PRUchoice Group Life Assurance
PRUchoice Group Life Assurance is an innovative life insurance product that provides core life coverage as well as optional coverage.
Optional coverage include :
- Top-up Life Benefit
- Accidental Death and Disablement Benefit
- Total and Permanent Disability Benefit (Any Occuptation)
- Crisis Protection Benefit
Note: The details listed above are for reference only and does not constitute any contract or any part thereof between Prudential General Insurance Hong Kong Limited and any other parties. Regarding other details and the terms and conditions of this insurance, please refer to the policy document. Prudential General Insurance Hong Kong Limited will be happy to provide a specimen of the policy document upon your request.
Features
- Four Optional Benefits
Optional benefits of "Top-up Life Benefit", "Accidental Death and Disablement Benefit", "Total and Permanent Disability Benefit' and "Crisis Protection Benefit" are available. - 39 Types of Critical Illness
39 critical illnesses are provided under "Crisis Protection Benefit". - Auto-renewal
PRUchoice Group Life Assurance will automatically renew every year without any additional administration procedure.
Benefits Description
Table of Benefits
Eligibility
- PRUchoice Group Life Assurance is designed for companies operating in Hong Kong with 5 to 50 employees.
- Employers can insure PRUchoice Group Life Assurance together with PRUchoice Group Medical Insurance for employees.
- Different levels of benefit and optional benefits are available in PRUchoice Group Life Assurance. Employers can provide benefits to different eligibility of employees according to their needs.
- PRUchoice Group Life Assurance offers benefit to the employees who are aged under 64. The maximum entry age of optional benefits is 53 years old whilst renewal age is up to 63 years old.
Remarks
Major Exclusions:
Core Life Benefit
No exclusion.
Top-up Life Benefit
Death caused directly or indirectly, wholly or partly by suicide or self-inflicted injuries while sane or insane during the first 12 months of the Member enrolling in PRUchoice Group Life Assurance.
Other Optional Benefits
- By war, invasion, act of foreign enemy, hostilities (whether war be declared or not), terrorism, civil war, rebellion, participation in illegal acts, revolution, insurrection, military or usurped power, riot or civil commotion.
- Self-inflicted injuries while sane or insane.
- Alcohol, narcotics or drugs unless taken as prescribed by a Registered Medical Practitioner.
- While engaging in underwater activities requiring breathing apparatus or racing other than on foot.
- While ascending into, descending from or travelling in any aircraft other than as a fare-paying passenger on a scheduled public air service.
For more details, please refer to the Policy.
