Analyse your life needs in detail and plan ahead for a brighter tomorrow.
We understand you want greater assurance against rising medical costs
Enjoy greater peace of mind without worrying about high medical expenses for you and your family with our enhanced PRUshield. PRUshield is a Medisave-approved integrated medical insurance plan1 that offers you comprehensive medical coverage.
|*||Note: Please refer to the Benefits Schedule for more details.|
|1||If the life assured is a Singaporean or Permanent Resident (PR) of Singapore, PRUshield is available as a Medisave-approved integrated medical insurance plan. If the life assured is a foreigner with Eligible Valid Pass, PRUshield is NOT available as a Medisave-approved integrated medical insurance plan. Please refer to the PRUshield Benefit Illustration for the definition of an Eligible Valid Pass.|
|2||This benefit is only applicable to PRUshield purchased under standard terms. It allows the life assured to buy a new plan up to the stipulated sum assured upon significant events in life without underwriting. The events include Marriage, Divorce, Parenthood, Adoption of a child through legal means, Death of a spouse, Marriage of the children and children entering primary or secondary school.|
|3||Premiums paid through Medisave are subject to Medisave withdrawal limits. Please refer to the Ministry of Health's website at www.moh.gov.sg for details.|
|4||Policy year limit may be increased by Prudential to keep up with medical cost inflation. It does not apply to Post Hospitalisation Hyperbaric Oxygen Therapy, Living Organ Donor Transplant, Inpatient Psychiatric Treatment and Final Expense Provision.|
|5||Community hospitals covered by PRUshield include: Bright Vision Hospital, St Luke’s Hospital, St Andrew’s Community Hospital, Ang Mo Kio Community Hospital, Westpoint Family Hospital, Ren Ci Community Hospital & Kwong Wai Shiu Hospital.|
|6||This benefit pays for surgical fees incurred for major organ transplants that include: kidney(s), heart, liver, cornea(s), bone marrow, skin and musculoskeletal tissue.|
|7||This benefit pays when an insured requires stem cell transplant due to Leukaemia, Thalassemia Major and Lymphoma after not responding to other treatments such as chemotherapy, radiotherapy or surgery.|
|8||Gamma Knife/Novalis Radiosurgery can be performed as an inpatient or day surgery procedure. The applicable deductible and pro-ration factor for Gamma Knife/Novalis Radiosurgery procedure will depend on its classification as an inpatient or day surgery procedure.|
|9||This benefit pays for hospitalisation expenses when the life assured donates a kidney and/or liver.|
|10||This benefit pays for hospitalisation expenses incurred by the organ donor if the life assured receives a kidney and/or liver transplant.|
|11||This benefit pays for hospitalisation and surgical expenses (including day surgery) incurred in selected hospitals overseas referred by local healthcare providers (Health Management International or Parkway Holdings Pte Ltd).|
|12||Deductible does not apply to Outpatient Hospital Benefits.|
|13||This benefit waives the Deductibles and Co-insurance, under certain conditions, up to the stipulated limits.|
|14||This benefit pays when the following conditions are first diagnosed by an obstetrician after 10 months from the cover start date of the policy or the date of reinstatement (if any), whichever is later: ectopic pregnancy, pre-eclampsia & eclampsia, disseminated intravascular coagulation, miscarriage, fatty liver during pregnancy, amniotic fluid embolism, abruptio placentae or postpartum haemorrhage requiring hysterectomy.|
|15||This benefit pays for hospitalisation expenses incurred for Medically Necessary treatment relating to birth defects, including hereditary conditions and congenital sickness or abnormalities of the life assured who was first diagnosed by a Registered Medical Practitioner, or symptoms first appeared after 2 years from the cover start date of the policy or the date of reinstatement (if any), whichever is later.|
|16||This benefit pays for charges incurred in the short stay ward in the emergency departments even if it does not result in the hospitalisation of the life assured.|
|17||Deductibles will be increased by 50% depending on ward class when the life assured is above age 85.|
|18||Pro-ration factors are applied to reduce private hospital bills to A Ward equivalents of a Restructured Hospital in the claims computation.|
|19||Premium quoted is on an annual basis for Singaporean life assured age 30 on next birthday for a PRUshield A Premier plan.|
PRUshield is guaranteed yearly renewable for as long as you live, provided you pay premiums within the Grace period and your policy has not been terminated or void.
Premiums are not guaranteed and may be adjusted based on future claims experience. Prudential reserves the right to vary premiums at any time by giving 30 days’ written notice to the policyowner before doing so. Premium rates will be based on age next birthday (for 1st premium) on cover start date and each policy anniversary date (for renewable premium). You are recommended to seek advice from a qualified Prudential Financial Consultant for a financial analysis before purchasing a policy suitable to meet your needs.
Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be less than the total premiums paid.
The information on this website is for reference only and is not a contract of insurance. Please refer to the exact terms and conditions, specific details and exclusions applicable to these insurance products in the policy documents that can be obtained from your Prudential Financial Consultant. In case of discrepancy between the English and Chinese versions of this e-Brochure, the English version shall prevail.
Information is correct as of 1 July 2013.