PRUshield

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.

Benefits

  • Get extensive coverage with PRUshield's features*:
    • Living Organ Donor Transplant Benefit if life assured is the organ donor or recipient
    • Inpatient Psychiatric Treatment costs are covered
    • Coverage for Planned Overseas Medical Treatment
    • Pre- and post-hospitalisation coverage of up to 180 days before or after Hospital Confinement
    • Buy a new plan without underwriting with Future Insurance Option2 upon significant events in life
    • Adjustment feature for policy year limit to offset medical cost inflation
       
  • PRUshield is a guaranteed renewable annual premium plan that can cover you for life. You can pay the annual premium through your Medisave3 account or cash.
     
  • PRUshield's policy year limit4 may increase every year along with the Consumer Price Index (Health Care Costs) to help offset rising medical expenses. What’s more, PRUshield does not impose lifetime limits for claimable hospitalisation and surgical expenses due to illnesses or accidents. This helps ensure that you have the financial means for the best possible treatment.

Plans

Plan PRUshield A Premier PRUshield A Plus
Hospital/Ward Type
Singapore Private Hospital
Singapore Restructured Hospital
(Class A Ward)
Hospitalisation Benefits
Daily Room & Board
Daily Intensive Care
Miscellaneous Hospital Services
Daily Inpatient Physician Visit
Confinement in Community Hospital5 Accidental Inpatient Dental Treatment
As Charged
As Charged
Surgical Benefits (including Day Surgery)
Surgical Procedure
Organ Transplant Benefit6
Stem Cell Transplant Treatment7
Surgical Implants/Approved Medical Consumables
Gamma Knife/Novalis Radiosurgery8
As Charged
As Charged
Living Organ Donor Transplant Benefits
Life assured is the organ donor9
Life assured is the organ recipient10
$60,000
per Policy Year
$40,000
per Policy Year
Overseas Medical Treatment
Emergency Medical Treatment outside Singapore
Planned Overseas Medical Treatment11
As Charged
(paying the lower of the overseas charges or in
accordance with Singapore Private Hospital’s charges)
As Charged
(paying the lower
of the overseas charges or in accordance with Singapore Restructured Hospital’s charges)
Pre- & Post-Hospitalisation Benefits
Pre-Hospitalisation Consultations and
Diagnostic Laboratory Services incurred 180 days preceding confinement

Post-Hospitalisation Follow-up Treatments and Diagnostic/Laboratory Services
incurred within 180 days after confinement

Post-Hospitalisation Hyperbaric Oxygen Therapy incurred within 180 days after confinement

As Charged


 


As Charged


 
$10,000
per Policy Year

As Charged


 


As Charged


 
$5,000
per Policy Year

Outpatient Hospital Benefits12
Outpatient Cancer Treatment
(Radiotherapy, Stereotactic Radiotherapy, Chemotherapy, Immunotherapy)

Outpatient Renal Failure Treatment
(Renal Dialysis, Erythropoietin)

Approved Immunosuppressant
Drugs for Organ Transplant

As Charged
 
As Charged
 
Other Benefits
Final Expense Provision13
Pregnancy Complications benefit14
Congenital Abnormalities15
Inpatient Psychiatric Treatment benefit
Short Stay Ward16
Future Insurance Option2 at Life Events

$5,000
As Charged
As Charged
$4,000 Per Policy Year
As Charged
$100,000 sum
assured per life

$3,000
As Charged
As Charged
$3,500 Per Policy Year
As Charged
$100,000 sum
assured per life
Deductible per Policy Year 17
Restructured C Ward
Restructured B2 Ward
Restructured B1 Ward
Restructured A Ward
Private Hospital
Day Surgery – Subsidised
Day Surgery – Non-Subsidised
Short Stay Ward – Subsidised
Short Stay Ward – Non-Subsidised

$1,500
$2,000
$2,500
$3,500
$3,500
$1,500
$2,000
$1,500
$2,000

$1,500
$2,000
$2,500
$3,500
$3,500
$1,500
$2,000
$1,500
$2,000
Co-Insurance
10%
10%
Pro-Ration18
Private Hospital
N.A.
65%
Limits of Cover
Policy Year Limit with adjustment feature4
Lifetime Limit

$592,400
Unlimited

$355,500
Unlimited
Age Limits
Maximum Entry Age (Singaporeans/PR)
Maximum Entry Age (Foreigners)
Maximum Renewal Age

75
55
Lifetime

75
55
Lifetime

 

Premiums

Annual Premiums (inclusive of 7% GST)

Annual Premiums (inclusive of 7% GST) - Foreigners

 

How it works

Assumptions:

• Policyholder (male, age 52) is covered under PRUshield A Premier plan
• Hospitalised due to ischaemic heart disease and undergoes coronary artery bypass graft surgery
• Stays a total of 9 days in a double-bedded ward of a private hospital – so his total hospital bill comes to $18,900


See how much of this bill is covered under PRUshield  A Premier:

Breakdown of Hospital Bill Hospital Bill Incurred Amount Payable
Daily Room & Board (7 days) $5,870 $5,870
Daily Intensive Care Unit (2 days) $1,630 $1,630
Surgical Procedure $9,000 $9,000
Surgical Implants/Approved Medical Consumables $2,400 $2,400
Total $18,900 $18,900
Less Deductible (Private Hospital) $3,500
> Balance After Deductible $15,400
Less Co-insurance (10% of $15,400) $1,540
> Balance After Co-insurance $13,860
PRUshield A Premier Pays $13,860
Customer Pays $5,040

Assuming that the policy year limit has been adjusted to $610,000 as a result of medical cost inflation, his remaining policy year limit will be $596,140 following the above claim.

  

Exclusive Offer

PRUshield for Public Service Officers20 or staff of Selected Companies20

Enjoy 10% discount on your PRUshield first year premium21 if you are a Public Service Officer20 or a staff of Selected Companies20. This premium discount is extended to your Immediate Family Members22 as well.

Annual Premiums (inclusive of 7% GST)
For Public Service Officers20, staff of Selected Companies20,
or their Immediate Family Members22 who are Singaporeans
or Permanent Residents of Singapore
Age Next
Birthday
Exclusive First Year Premium21 Renewal Premiums
PRUshield
A Premier

PRUshield
A Plus

PRUshield
A Premier
PRUshield
A Plus
1 - 20 $145.80 $107.10 $162 $119
21 - 30 $171.90  $123.30 $191 $137 
31 - 40 $249.30  $196.20 $277  $218
41 - 50 $504.90  $395.10 $561  $439
51 - 55 $859.50 $627.30 $955  $697
56 - 60 $879.30  $641.70 $977  $713
61 - 65 $1,251.00  $954.00 $1,390  $1,060
66 - 70 $1,871.10  $1,359.00 $2,079 $1,510 
71 - 73 $2,477.70   $1,757.70 $2,753 $1,953 
74 - 75 $2,891.70   $2,070.90 $3,213  $2,301

 

PRUshield e-Brochure English for Public Service Officers/Staff of Selected Companies

PRUshield e-Brochure Chinese for Public Service Officers/Staff of Selected Companies

Download Brochure

* 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.
20 Public Service Officer refers to a person employed under Public Service Division. Selected Companies are companies nominated by Prudential Assurance Company Singapore (Pte) Limited (“Prudential”) to participate in this exclusive first year premium discount. Prudential reserves the right to nominate a Selected Company, in its sole and absolute discretion.
21 Discount is applicable to the first year premium of PRUshield A Premier and PRUshield A Plus, provided all conditions are met. It does not apply to subsequent renewal premiums of the plan and does not apply to any supplementary benefit attachable to PRUshield. Prudential reserves the right in its sole and absolute discretion to terminate, cancel or suspend this discount at any time without notice and without assigning any reason whatsoever.
22 Immediate Family Member refers to the spouse, child, parent or sibling of a Public Service Officer or a staff of Selected Companies.

 

Note:

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 the e-Brochure, the English version shall prevail.

Information is correct as of 20 March 2014.