Analyse your life needs in detail and plan ahead for a brighter tomorrow.
We understand you want comprehensive coverage with more choices of hospitals, wards and doctors
When it comes to medical care, we understand you would like to have choices without worrying about the cost.
With PRUshield, you and your family can enjoy coverage against rising medical cost. Have the flexibility to choose, whether it is private or restructured hospital and from a wider selection of wards, so you can receive the medical care you require without worrying about costs. In addition, you can also take advantage of PRUhealthcare assist - a first-to-market medical helpline service, exclusive to our PRUshield customers, designed to help answer your question1 on hospitalisation and medical conditions.
PRUshield, a Medisave-approved medical insurance plan 2, gives you peace of mind when it comes to medical care options, so you and your family can enjoy truly comprehensive protection.
Enjoy coverage from the first dollar and have better protection with our PRUshield extra.
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Click here to find out more about how MediShield Life and Prushield can offer you better coverage.
|•||PRUhealthcare assist is a first-to-market medical helpline service exclusive to all our PRUshield customers. With this service, you can call the helpline at 1800 534 3333 for any medical-related question1 you may have.|
|1||Questions relating to your PRUshield policy but excludes medical advice.|
|2||If the life assured is a Singaporean or Permanent Resident (PR) of Singapore, PRUshield is available as an Integrated Shield Plan made up of MediShield Life provided by Central Provident Fund Board (CPFB) and an additional private insurance provided by Prudential. If the life assured is a foreigner with Eligible Valid Pass, PRUshield is NOT available as Integrated Shield Plan. Please refer to the PRUshield Product Summary for the definition of an Eligible Valid Pass.|
|3||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.|
|4||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.|
|5||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.|
|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 the approved healthcare providers. The approved healthcare providers can be found on our website www.prudential.com.sg. We reserve the right to review and change the healthcare providers as required, from time to time.|
|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||For Integrated Shield Plans, this premium is inclusive of MediShield Life premium.|
|21||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.|
|22||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.|
|23||Immediate Family Member refers to the spouse, child, parent or sibling of a Public Service Officer or a staff of Selected Companies.|
|24||This premium is inclusive of MediShield Life premium.|
For Planned Overseas Medical Treatment under PruShield, referrals must be obtained from any of the following healthcare providers:
- Health Management International (HMI); or
- Parkway Holdings Pte Ltd
The list is subject to any change made on the covered healthcare providers for approved overseas hospitalisation by Medisave and we reserve the right to review and change such list as required from time to time.
PRUshield is a yearly renewable plan. Prudential guarantees lifetime coverage for PRUshield A Premier and PRUshield A Plus.
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 brochure, the English version shall prevail. Information is correct as at 12 November 2015.