PRUshield

Any Singaporean or Singapore Permanent Resident and their dependants can apply. Foreigners with Eligible Valid Passes can also apply.

Eligible Valid Passes are passes recognised by the Immigration & Checkpoints Authority (ICA) and the Ministry of Manpower (MOM). The list of valid passes, acceptable by Prudential, are Personalised Employment Pass (PEP), Employment Pass (EP), S Pass, Student Pass, EntrePass, Long Term Visit Pass (LTVP)¹ and Dependant's Pass (DP)².

¹ We will only accept a Long Term Visit Pass that is valid as well as linked to a current Singapore Citizen, Singapore Permanent Resident, Personalised Employment Pass (PEP) holder, Employment Pass (EP) holder or EntrePass holder.

² We will only accept a Dependant’s Pass that is valid as well as linked to a current Personalised Employment Pass (PEP) holder, Employment Pass (EP) holder, S Pass holder or EntrePass holder.

Yes. Renewal is done automatically every policy year, unless any of the following occurs:

• Renewal premium is not paid
• You have decided not to be insured and informed Prudential in writing
• You have decided to switch to another insurer
• You have informed Prudential that you are no longer a Singapore citizen or Permanent Resident
• Death of Life Assured
• Applicable to foreigners only: You are without an Eligible Valid Pass for more than 60 days after the Pass expired/ terminated.
• Applicable to foreigners only: You stop paying your premiums via GIRO or credit card.

Prudential will send you the renewal certificate to inform you that we will be renewing your cover and the premium that will be deducted from your Medisave account.

For those cases where the premium is above S$800, we will send a renewal notice to request for the balance premium payment by cash/cheque. The policy will not be renewed until premiums are received in full.

Hyperbaric Oxygen Therapy involves placing the patient in a special chamber in which oxygen is dispensed under great pressure than normal. This helps your blood carry more oxygen, and bring this oxygen to organs and tissues in your body. It can help wounds, especially infected wounds, heal more quickly. Some of the conditions for which hyperbaric therapy can be helpful include:

• Gas gangrene
• Decompression sickness (for example, a diving injury)
• Air or gas embolism
• Carbon monoxide poisoning
• Wound healing (for example, a foot ulcer in someone with diabetes or very bad circulation)
• Necrotizing soft tissue infections
• Osteomyelitis (bone infection)
• Radiation injuries (for example, damage to skin, other soft tissue, or bones from radiation therapy for cancer).
• Skin grafts and flaps
• Burns

This benefit covers post-hospitalisation treatment expenses incurred for hyperbaric oxygen therapy within 90 days following the discharge from hospital for the same covered disability. This outpatient benefit will be assessed with the hospitalisation claims and shall be subject to limits of $10,000 per Policy Year under PRUshield A premier and $5,000 per Policy Year under PRUshield A plus.

The Policy Year limit is an amount stated in the benefit schedule, which is the maximum claimable amount a life assured can claim in a Policy Year. The Adjustment Feature allows PACS to adjust policy year limits yearly in order to keep up with the increase in medical inflation.

The current policy year limit (as at 1 July 2011) is as follows:

The increase will be based on the Consumer Price Index for Healthcare costs published by the Department of Statistics, Singapore. We will not reduce the limits when there is a deflation. This benefit does not apply to benefit sub-limits e.g. annual limit for Hyperbaric Oxygen Treatment and Final Expense Benefit.

The annual adjustment will be done in July. It will be communicated via www.prudential.com.sg. You can also contact your Financial Consultant/ Financial Service Consultant or call our PruCustomer Line at 1800 333 0333.

For Singaporeans or Singapore Permanent Residents, all medical bills and receipts will be submitted electronically by the hospital via the MediClaim system (previously known as CCPS/ Central Claims Processing System) of the CPF Board. For Foreigners with Eligible Valid Passes, E-filing is not allowed. You must settle the total Hospitalisation/ Day Surgery bill with the medical institution, then submit your claims directly to Claims department.

Claims will be processed for the hospital bills. You are eligible to claim Pre- and Post-Hospitalisation expenses only upon a successful claim on the hospital bills.

You will need to file your claims manually if hospital bills are already paid in full by cash. Foreigners with Eligible Valid Passes must also file your claims manually.

You must submit the following requirements for Prudential to consider your claim:

• Completed PRUshield claim form
• Original final Hospital bills and original official receipts from hospital as proof of payment
• Medical report from the hospital and attending doctor(s) providing details on cause of hospitalisation and treatment procedures. All of these reports must be provided at your own expense

Claim hospitalisation expenses if eligible should be submitted to us within 30 days following discharge from the hospital.

Requirements for filling Pre- and Post-Hospitalisation expense claims are:

• PRUshield claim form
• the original medical payment receipts for the same Injury or illness
• PRUshield Medical Report completed by the doctor
• Laboratory reports
• other medical information as required by Prudential

Claim for Pre- and Post-Hospitalisation expenses claims if eligible should be submitted to us within 90 days following discharge from hospital stay.

The claims amount is payable directly to the hospital in all cases transmitted through the MediClaim system. For a claim without any need for an investigation, the turnaround time is within 2 days from date of notification. For claim requiring an investigation, the turnaround time will depend on the investigation outcome and your cooperation in providing Prudential with the required information.

If you have other medical insurance, which allows you to claim for the reimbursement of your medical expenses, you must first seek reimbursement from these policies before making any claim under PRUshield. This is in compliance with the reimbursement protocol as stipulated under the Medisave Approved Integrated Plan.

Under the protocol, any party who is under a contractual obligation to pay for you medical expenses must first be activated to pay the hospital bills. The balance hospital bill will then be paid in the order of PRUshield, Medisave and Cash. The total paid amount for a given hospital bill must not exceed the actual expenses incurred.

The hospitalisation expense will still be paid on an 'As Charged' basis if pro-ration does not apply. The deductible applicable to the claim will be based on the highest ward class you stayed in during the period of hospitalisation.

If pro-ration applies, Prudential will deduct the necessary amount from the hospital bills before applying the applicable deductible and co-insurance factor.

We do not pay in any of the following circumstances:

• All expenses incurred by a life assured for the period of Hospital Confinement if admission into a Hospital is before the Cover Start Date of the policy.
• Treatment or diagnosis of any Serious Illness for which the life assured received medical treatment (including follow-up and consultations) during the period of twelve months prior to the Cover Start Date of the policy.
• Any pre-existing illnesses, diseases or impairments from which the life assured is suffering from prior to the Cover Start Date of the policy, unless they were declared in the proposal and specifically accepted by us. A pre-existing condition is the existence of any signs or symptoms for which treatment, medication, consultation, advice or diagnosis has been sought or received by the life assured or would have caused an ordinary prudent person to seek treatment, diagnosis or cure, prior to the Cover Start Date of this benefit or the date of any reinstatement, whichever is later.
• Treatment relating to birth defects, including hereditary conditions and congenital sickness or abnormalities that were first diagnosed or symptoms first appeared within 2 years from the Cover Start Date of the policy or the date of any reinstatement, whichever is later.
• Overseas medical treatment (except in the event that a life assured requires inpatient Hospital treatment as a result of an Emergency while overseas.
• Mental illness and personality disorders.
• Pregnancy and childbirth except complications covered under "Pregnancy Complications benefit".
• Elective abortion; miscarriage occurring within 21 weeks of pregnancy; birth control*, sterilisation*, infertility*, sub-fertility*, impotence treatment, assisted conception or any contraceptive treatment. (* for males and females).
• Treatment of sexually transmitted diseases.
• Acquired Immunodeficiency Syndrome (AIDS), AIDS related complex or infection by Human Immunodeficiency Virus (HIV) except HIV Due to Blood Transfusion and Occupationally Acquired HIV.
• Treatment of self-inflicted injuries, or injuries resulting from attempted suicide.
• Treatment directly or indirectly arising from drug or alcohol misuse.
• Cosmetic or plastic surgery except when such surgery is necessary for the repair of damage caused solely by an accident
• All dental treatment except those covered under "Accidental Inpatient Dental Treatment"
• Ambulance fee.
• Sex change operations.
• Purchase of kidney dialysis machine, replacement organ, iron-lung, prosthesis and other special appliances including the location, transport and associated administration costs of such special appliances.
• Optional items which are outside the scope of treatment.
• Private nursing charges and nursing home services.
• Vaccination.
• Treatment of Injuries arising from direct participation in civil commotion, riots or strikes.
• Treatment of Injuries arising directly or indirectly from nuclear fallout, terrorism, war and related risks.
• Hospitalisation primarily for diagnosis, X-ray examinations, and general physical or medical check-up.
• Treatment of illness or Injury resulting from the life assured engaging in any hazardous activities or sports in a professional capacity; or where the life assured would or could earn or earns income or remuneration in these hazardous activities or sports.
• Treatment of illness or Injury caused by any hazardous activities or sports unless carried out legally under the supervision of licensed organisations.

For members who were previously insured under Basic MediShield with exclusions, CPFB will provide exclusion information of new applicants provided consent are given by the applicants for CPFB to release the information to Prudential.

Prudential will deduct premiums annually from your Medisave account up to the maximum withdrawal limit per life assured per policy year as stipulated by the CPF Board. The current maximum limit is S$800 per life assured per policy year. For Foreigners, you will need to pay the annual premiums via GIRO or credit card.

If the premium is higher than S$800 or there are insufficient funds in the MediSave account to pay the premium due, the balance premium due can be paid for in cash or cheque (but not both) within the Grace Period. Payment by credit card is allowed but not GIRO.

Yes. The premium will increase as you get older.

Premium rates are not guaranteed and Prudential reserves the right to vary the premiums at any time by giving 30 days’ written notice to you before doing so.

If you wish to terminate your PRUshield plan, you can submit your termination request by completing and returning the PRUshield termination form to Prudential.

For Singaporeans and Singapore Permanent Residents, only the PRUshield Policy will be terminated while the Basic MediShield coverage will continue. Prudential will inform you of the termination of PRUshield Policy only. Please refer any enquiries in relation to Basic MediShield to CPF Board. Prudential will refund pro-rated premiums (if any) to you.

For Foreigners, the PRUshield Policy will be terminated. Prudential will refund pro-rated premiums (if any) to you.

No, PRUshield is guaranteed to be renewable every year.