Medical Network - Medical Expenses Direct Billing Service (Previously known as “Cashless Service”)

The pre-authorisation medical expenses direct billing service makes it easy for you to plan medical expenses and enjoy direct billing medical treatment at our medical network.

Medical Network - Medical Expenses Direct Billing Cancer Treatment Service in Hong Kong and Greater Bay Area

Service Features

Medical network has been extended to include Oncology specialty. Eligible customers could choose to receive cancer treatment at designated medical centre in Hong Kong or the Greater Bay Area to use the Medical Expenses Direct Billing Service.
Under the "Cancer Patients Shared Care" model^ which allows customers to receive support through face-to-face medical consultation or remote video consultation from designated medical centres (please check with our network medical specialist list) during their cancer treatment.

_{^ Operated by attending doctors and healthcare professionals from both regions, the "Cancer Patients Shared Care" model aims to provide coordinated and patient-centred healthcare services throughout the entire cancer treatment process. Medical centres in Hong Kong and GBA will collaborate in developing treatment plans for patients in need. Eligible Prudential customers can choose to receive cancer treatment services from designated medical centre in Hong Kong or GBA, to gain support from both oncology centres during their cancer treatment journey through face-to-face medical consultation or remote video consultation.}

Benefit Highlights

Diverse medical network

Medical network covers 17 private hospitals in Hong Kong and Mainland China, more than 400 network medical specialists and more than 30 diagnostic imaging centres. You can enjoy Medical Expenses Direct Billing Service for admission, day surgeries and diagnostic imaging test

One-stop network doctor booking Service

You simply need to call our medical network booking and pre-authorisation hotline, and our dedicated team will assist you in scheduling appointments with Prudential network medical specialist

Instant pre-authorisation in our medical network and waiver of credit card authorisation

If you receive medical treatment at medical network, our network medical specialist will help you submit the application for instant pre-authorisation for Medical Expenses Direct Billing Service and you will receive pre-authorisation result immediately, providing you even more convenience, and credit card authorisation for Medical Expenses Direct Billing Service is waived for all covered medical plans

Hassle-free on medical expense and claim procedure

Prudential will settle the pre-approved medical expenses to the medical network provider, so you don’t need to pay for the pre-approved medical expenses by yourself and worry about claim procedure

_{Remark: Medical Expenses Direct Billing Service is only applicable to Covered Plans. Medical Expenses Direct Billing Service is an administrative arrangement in respect of covered medical expenses incurred and is provided by third-party service providers. Prudential shall not accept any responsibility or liability for the services provided by the service providers.

Terms and conditions apply.}

Simple steps to the "Instant pre-authorisation" Medical Expenses Direct Billing Service in our medical network

Step 1

Make an appointment for network doctor and register a “H2P” number

Call medical network booking and pre-authorisation hotline at (852) 2281 1345^#. If you are in Mainland China, please contact us at 400 820 0125 or if you are in Macau, please contact us at 080 0406 for network doctor booking and “H2P” number registration; or
Contact your financial consultant for “H2P” number registration and make an appointment for network doctor

Step 2

Register for consultation

Present your medical eCard, identification document, “H2P” number registration SMS or doctor booking SMS upon visit to the network medical specialist
The network medical specialist will submit the application
Accept the terms & conditions via the link in SMS received
The pre-authorisation result will be provided immediately

Step 3

Arrange medical expenses direct billing service

We will settle the pre-approved bill directly after you completed your medical treatment or diagnostic imaging test

Network Doctor Booking Service

Prudential is dedicated to providing customers with a comprehensive network doctor booking service, ensuring a convenient and reassuring medical service experience. Life Assured with eligible medical policy only need to call our medical network booking and pre-authorisation hotline to easily make appointment with our network medical specialist.

Our extensive medical network has expanded to over 300 specialist doctors, more than 40 day surgery centers, and diagnostic imaging service centres.

As a Life Assured with an inforce medical policy, all you need to do is dial our medical network booking and pre-authorisation hotline at (852) 2281 1345, and our team will assist you in booking an appointment with our network doctor, ensuring a comprehensive, convenient, and reassuring medical service experience.

You can also search our network doctors via "Network Doctor Search".

Frequently asked questions

Network Doctor Booking Service applicable to all Life Assured with an inforce medical policy

For PRUmyhealth prestige medical plan, please contact (852) 2281 1180.
For other medical plan, please contact (852) 2281 1345.
We have dedicated personnel to assist customers in scheduling appointments with network doctors.

The service time of Network Doctor Booking Service are Monday to Friday from 9 am to 6pm, Saturday from 9 am to 2 pm. (Closed on Sunday and public holiday)

Get in touch

Our Medical Network Medical Expenses Direct Billing Service covers the following areas of treatment:

Day Surgeries and Hospitalisation
Diagnostic Imaging Test

Day surgeries and Hospitalisation

Below medical insurance plans can enjoy this value-added service.

Medical insurance plans applicable for Day Surgery Medical Expenses Direct Billing Service includes:

Medical insurance plans applicable for Hospitalisation Medical Expenses Direct Billing Service includes:

Covered day surgeries include:

Oesophago-Gastro Duodenoscopy (OGD) / Colonoscopy
Ophthalmology
Dermatology & Venereology

Otorhinolaryngology
Urology
Obstetrics & Gynaecology

Our network doctor would apply the medical expenses direct billing service for you. Terms and conditions apply.

The approved amount is subject to the benefit limit of individual plan. Please refer to the benefit schedule of related plan for details.

Diagnostic imaging Test

Medical expenses direct billing service for diagnostic imaging test is applicable to PRUmed lifelong care plan, PRUHealth CoreChoice Medical Plan, PRUHealth FlexiChoice Medical Plan, PRUHealth VHIS EasyChoice Plan and PRUHealth VHIS VIP Plan. Covered tests include:

Magnetic Resonance Imaging
(MRI)

Computed Tomography
(CT)

Positron Emission Tomography
(PET)

Our network centre would apply the medical expenses direct billing service for you. Terms and conditions apply.

The approved amount is subject to the benefit limit of individual plan, please refer to the benefit schedule of related plan for details.

Useful Information

Customer Guide

Network medical centres

Medical Expenses Direct Billing Service at non-network hospitals

Applicable to PRUmyhealth prestige medical plan, PRUhealth medical plus and PRUHealth VHIS VIP Plan

If you are covered by the below plans and are going to receive medical services from a doctor who is not in the Medical Network, you can enjoy our medical expenses direct billing service too. With our pre-authorisation, we will pay your eligible medical costs directly to private hospitals. You will also know in advance how we cover you before your visit and we will tell you any costs we don’t cover.

Plan name	PRUmyhealth prestige medical plan	PRUHealth VHIS VIP Plan – worldwide except USA PRUhealth medical plus^*	PRUHealth VHIS VIP Plan – Asia / worldwide except USA PRUhealth medical plus
Incident location	Worldwide	Outside Asia (including Australia and New Zealand)	Asia (including Australia and New Zealand)
Feature	Available in most private hospitals of major cities around the world, including all of the private hospitals in Hong Kong and Macau.		Available in most private hospitals of major cities around Asia as well as Australia and New Zealand, and all of the private hospitals in Hong Kong and Macau.
Pre-authorisation hotline	(852) 2281 1180^# (24-hour service) (Hong Kong) 400 820 0192(Mainland China) 080 0292 (Macau)		(852) 2281 1345^# (Hong Kong) 400 820 0125 (Mainland China) 080 0406 (Macau)
Email Address	pre-auth.ppm.claims.hkg@prudential.com.hk		pre-auth_claims@prudential.com.hk

How to use medical expenses direct billing service at non-network hospitals:

Please download and fill in the pre-authorisation form part I by yourself.
If your attending doctor recommends hospitalization treatment, please ask your doctor to fill in the form part II.
Please email the form to us for approval at least 3 working days before admission. The pre-authorisation result will be provided in 3 working days.

Terms and conditions apply.

_{* Applicable to new policies effective from 1 October 2023; or existing policies renewed on or after 1 October 2023. For details, please refer to benefit schedule.}

_{# You will be required to pay the IDD/international roaming service fee to the telecommunications service provider if you call from outside Hong Kong (including Macau).}