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Enjoy a prosperous life with our fascinating offers
Prudential presents you a premium refund of up to HK$250,000 or maximum of
a one month’s premium waiver
Prudential presents you premium offers on selected individual life insurance plans to provide comprehensive
protection to you and your loved ones.
From 27 February to 28 March 2015 (“Promotional Period”), customers can enjoy premium refund / waiver by
successfully enrolling in designated plans from Prudential.
Premium Refund for Designated Individual Life Insurance Plans1
First Year’s Total Annualised Premium2
3
Premium Refund
3
US$
HK$3
50,000 – 149,999
6,410 – 19,230
1,000
150,000 – 499,999
19,231 – 64,102
3,500
500,000 – 999,999
64,103 – 128,205
12,000
1,000,000 – 1,999,999
128,206 – 256,410
30,000
2,000,000 – 4,999,999
256,411 – 641,025
80,000
5,000,000 or above
641,026 or above
250,000
HK$
Premium Waiver for Selected Plans4
Selected Plans

1
4
PRUmyhealth crisis lifelong care
Applicable
Policy Currency
USD
Premium
Payment Term
Premium Waiver
5 – 9 years
First half month
10 years or above
First one month
Designated Individual Life Insurance Plan(s) refers to individual life basic plan(s), excluding PRUmyhealth crisis lifelong care
(USD).
2
First year’s total annualised premium of all Designated Individual Life Insurance Plan(s) applied for and issued in the name of the
same individual policyowner during the Promotional Period. If the plan is paid with a single premium, 10% of such single
premium will be taken as the first year’s total annualised premium.
3
The above HK dollar amounts are converted by the exchange rate of US$1 to HK$7.8.
4
Selected Plan(s) refers to PRUmyhealth crisis lifelong care (USD).
Act now to enjoy our great offers!
Contact your consultant or call our Customer Service Hotline: 2281 1333
The above offers are subject to all relevant terms and conditions overleaf.
Terms and Conditions:
1. This premium offer promotion (“Promotion”) covers the period from 27 February to 28 March 2015, both dates inclusive
(“Promotional Period”).
2. This Promotion is only applicable to the policies applied through ICICI Bank Limited.
3. In order to qualify for the Promotion offers, customers must successfully apply for and submit the completed application of the
4.
5.
6.
7.
8.
9.
10.
11.
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14.
Prudential’s (i) individual life basic plan(s) (“Designated Individual Life Basic Plan(s)”) with First Year’s Total Annualised
Premium at designated amount, excluding PRUmyhealth crisis lifelong care (USD) or (ii) “Selected Plans” to Prudential within
the Promotional Period and the policy(ies) of such specified plan(s) must have been issued on or before 31 May 2015 and the
relevant policy(ies) must remain in force and be kept at or above the first year total annualised premium level determined at the
time of policy application after the relevant cooling off period(s) (“Eligible Policy(ies)”).
The Promotion will not be offered to policy(ies) of the plan applied for before 27 February 2015, nor to existing individual life
insurance basic plan(s), nor to any policy conversion.
The Promotion is applicable to the Designated Individual Life Basic Plans and Selected Plans only. Any other basic plan(s) or
supplementary benefit(s) shall not, in any event, be eligible for the Promotion.
The Promotion is offered and counted on each Eligible Policy. If a customer has successfully applied for more than one
Designated Individual Life Basic Plan or Selected Plan during the Promotional Period, and fulfils all other conditions of this
Promotion, each eligible plan will be qualified for the premium refund or waiver.
To be eligible for the premium waiver under this Promotion, in case the cheque for initial premium payment is rejected by the
bank, the Promotion offer will be withdrawn.
Regarding the calculation of premium refund or waiver:
(a) For the premium refund, if the premium of all Designated Individual Life Insurance Plan(s) is paid on a non-annual basis, a
pro-rata approach will be adopted to calculate the first year’s total annualised premium. For example, if premium is payable
on a monthly basis, the first year’s total annualised premium shall be equal to 12 times of the monthly payment. If the Plan
is paid with a single premium, 10% of such single premium will be taken as the first year’s total annualised premium.
(b) For the premium waiver, if the premium of the policy(ies) is paid on a non-monthly basis, the premium waiver shall be
calculated on a pro-rata basis. For example, if the premium is payable on an annual mode, the waiver of one month’s
premium amount shall be 1/12 of the annual premium, while the waiver of half month’s premium amount shall be 1/24 of
the annual premium.
The premium refund will be credited to the Premium Deposit Account of the eligible policy bearing the earliest policy number on
or before 30 November 2015. All relevant policy(ies) must remain in force and in the name of same policyowner, and be kept at
or above the first year’s total annualised premium level determined at the time of policy application when the premium refund
becomes payable. Otherwise, the premium refund will be forfeited.
The Designated Individual Life Basic Plans and Selected Plans are underwritten by Prudential and are subject to all their
respective policy terms and conditions. For product information, please refer to the terms and conditions set out in the product
brochure(s) and specimen policy(ies) issued by Prudential.
Prudential reserves the right to change any terms and conditions of this Promotion without issuing further notices. In the event of
any disputes, Prudential shall have the absolute discretion to make the final decision.
Prudential reserves the right of the final decision to offer any plans and on any disputes that may arise from this Promotion.
Unless otherwise specified, offers cannot be enjoyed in conjunction with other prevailing promotion offers. In the event that the
eligible policies are also entitled to other prevailing promotion offers, only one or some of the offer(s) will be provided at the
discretion of Prudential and ICICI Bank.
If there is any inconsistency or conflict between the English and the Chinese versions of this Promotional Leaflet, the English
version shall prevail.
The product details and other relevant information listed above are for reference only. It does not constitute any contract or any part thereof between
Prudential and any persons or entities. Prudential will be happy to provide a specimen of the policy document upon your request.
This document is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or a solicitation to buy or a provision of any
insurance product outside Hong Kong. Prudential Hong Kong Limited does not offer or sell any insurance product in any jurisdictions outside Hong
Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.
This flyer is issued by Prudential Hong Kong Limited (A member of Prudential plc group).
Customer Service Hotline：2281 1333
www.prudential.com.hk
MKTX/PF0160E_ICICI(02/15)