PRUshield

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 costs and have the flexibility to receive treatment from private or restructured hospitals. It also allows you to choose from a wider selection of wards so you can receive the medical care you require. 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 questions1 on hospitalisation and medical conditions.

PRUshield, a Medisave-approved medical insurance plan2, gives you peace of mind when it comes to medical care options, so you and your family can enjoy the protection you need.

Enjoy coverage from the first dollar and have better protection with our PRUshield extra.

Click here to view PRUshield video.

Click here to find out more about how MediShield Life and PRUshield can offer you better coverage.

PHA

PRUhealthcare assisthelp when you need it most

When diagnosed with a medical condition, especially one that requires surgery and/or hospitalisation, it is at best, a stressful and often bewildering and confusing time. One may also have many questions related to treatment, including:

“What are my options for medical treatment?”

“Who are the doctors available?”

“Which hospital should I choose?”

“During hospitalisation, which class of ward would suit my needs?”

“What am I entitled to under my healthcare plan?”

With PRUhealthcare assist, help is only a phone call away. When the need arises, you can simply call the helpline for information on medical and hospitalisation relating to your PRUshield policy. Manned by qualified and trained medical professionals, the team will help you navigate through the questions* you may have at a time when you need help the most.

The best part? PRUhealthcare assist is available to all PRUshield customers at no extra charge. With this helpline, you have a medical insurance plan that provides more than coverage.

With PRUshield, we don’t just cover you; we cover your questions* too.

Ask us. PRUhealthcare assist 1800 534 3333.


*Excludes medical advice.

PHA Page

 

Benefits

Get extensive coverage with PRUshield A Premier and PRUshield A Plus*:

  • Coverage for Planned Overseas Medical Treatment
  • Pre- and post-hospitalisation coverage of up to 180 days before or after Hospital Confinement or day surgery
  • Adjustment feature for policy year limit to offset the cost of inflation in medical costs
  • Buy a new plan without underwriting with Future Insurance Option3 upon significant events in life

Guaranteed renewable for life - annual premium can be paid through Medisave4 or cash.

Protects you from ever-increasing medical costs

  • For PRUshield A Premier and PRUshield A Plus, the policy year limit5 may increase every year along with the Consumer Price Index (Health Care Costs) to help offset rising medical expenses.
  • Does not impose lifetime limits for claimable hospitalisation and surgical expenses due to illnesses or accidents. This ensures that you have the financial means for the best possible treatment.

* Note: Please refer to the Benefits Schedule for more details.

Plans

Plan PRUshield A Premier PRUshield A Plus PRUshield Standard Plan
Benefits Singapore Private Hospital Singapore Restructured Hospital
(Class A Ward)
Singapore Restructured Hospital
(Class B1 Ward)
Inpatient and Day Surgery Benefits
Hospitalisation Benefits
Daily Room & Board As Charged As Charged $1,700
Daily Intensive Care Unit (ICU) $2,900
Miscellaneous Hospital Services Covered under Inpatient and
Day Surgery Benefits
Daily Inpatient Physician Visit Covered under Inpatient and
Day Surgery Benefits
Confinement in Community Hospital $650
Accidental Inpatient Dental Treatment Covered under Surgical Procedure
Inpatient Psychiatric Treatment benefit $4,000 per Policy Year $3,500 per Policy Year $500 (up to 35 days per Policy Year)
Surgical Benefits (including Day Surgery)
Surgical Procedure (per treatment)
Table 1
As Charged As Charged
$590
Table 2 $1,670
Table 3 $3,290
Table 4 $4,990
Table 5 $8,760
Table 6 $11,670
Table 7 $16,720
Organ Transplant Benefit6 Covered under Inpatient and Day
Surgery Benefits
Stem Cell Transplant Treatment7 Covered under Inpatient and Day
Surgery Benefits
Surgical Implants/Approved Medical Consumables (per admission) $9,800
Gamma Knife/Novalis Radiosurgery8 (per treatment) $9,600
Living Organ Donor Transplant Benefits
Life assured is the organ donor9 $60,000
per Policy Year
$40,000
per Policy Year
NA
Life assured is the organ recipient10
Overseas Medical Treatment
Emergency Medical Treatment outside Singapore 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)
NA
Planned Overseas Medical Treatment11
Pre- & Post-Hospitalisation Benefits
Pre-Hospitalisation Consultations and Diagnostic Laboratory Services incurred 180 days preceding confinement or day surgery As Charged As Charged NA
Post-Hospitalisation Follow-up Treatments and Diagnostic/ Laboratory Services incurred within 180 days after confinement or day surgery
Post-Hospitalisation Hyperbaric Oxygen Therapy incurred within 180 days after confinement or day surgery $10,000
per Policy Year
$5,000
per Policy Year
Outpatient Hospital Benefits12
Outpatient Cancer Treatment
• Radiotherapy
- External/Superficial

- Brachytherapy with/without external
As Charged
 
As Charged
 



$550 per treatment session
$1,100 per treatment session
 
• Stereotactic Radiotherapy $1,800 per treatment
• Chemotherapy $5,200 per calendar month
• Immunotherapy NA
Outpatient Renal Failure Treatment
• Renal Dialysis

• Erythropoietin


$2,750 per calendar month

$450 per calendar month
Approved Immunosuppressant Drugs for Organ Transplant $1,200 per calendar month
Other Benefits
Final Expense Provision13 $5,000 $3,000 NA
Pregnancy Complications benefit14 As Charged As Charged NA
Congenital Abnormalities15 NA
Short Stay Ward16 Covered under Daily Room and Board
Future Insurance Option3 at Life Events $100,000 sum assured per life $100,000 sum assured per life NA
Deductible per Policy Year 17 For ages 80 and below, as of age next birthday For ages 81 and above, as of age next birthday
Restructured / Community Hospital C Ward
 
$1,500
$1,500 $1,500
$2,000
Restructured / Community Hospital B2/B2+ Ward $2,000 $2,000 $2,000 $3,000
Restructured / Community Hospital B1 Ward $2,500 $2,500 $2,500 $3,000
Restructured / Community Hospital A Ward $3,500 $3,500 $2,500 $3,000
Private Hospital / Private Community Hospital $3,500 $3,500 $2,500 $3,000
Day Surgery – Subsidised $1,500 $1,500 $1,500 $3,000
Day Surgery – Non-Subsidised (Restructured) $2,000 $2,000 $2,000 $3,000
Day Surgery – Private Hospital $2,000 $2,000 $2,000 $3,000
Short Stay Ward – Subsidised $1,500 $1,500 $1,500 $3,000
Short Stay Ward – Non-Subsidised (Restructured) $2,000 $2,000 $2,000 $3,000
Short Stay Ward – Private Hospital $2,000 $2,000 $2,500 $3,000
Co-Insurance 10% 10% 10% 10%
Pro-Ration18 Singapore Citizens Permanent Residents
Restructured / Community Hospital C Ward NA NA NA NA
Restructured / Community Hospital B2/B2+ Ward NA NA NA
Restructured / Community Hospital B1 Ward NA NA 90%
Restructured / Community Hospital A Ward NA 80% 80%
Private Hospital / Private Community Hospital 65% 50% 50%
Day Surgery – Subsidised (Restructured) NA NA NA
Day Surgery – Non-Subsidised (Restructured) NA NA NA
Day Surgery – Private Hospital 65% 65% 65%
Short Stay Ward – Subsidised (Restructured) NA NA NA
Short Stay Ward – Non-Subsidised (Restructured) NA NA NA
Short Stay Ward – Private 65% 50% 50%
Outpatient Treatment – Subsidised (Restructured) NA NA NA
Outpatient Treatment – Non-subsidised (Restructured NA NA NA
Outpatient Treatment – Private NA 65% 65%
Limits of Cover
Policy Year Limit $632,7005
with adjustment feature
$379,7005
with adjustment feature
$150,000
Lifetime Limit Unlimited Unlimited Unlimited
Age Limits Singaporeans/PR Foreigners Singaporeans/PR Foreigners  
Maximum Entry Age 75 55 75 55 NA
Maximum Renewal Age Lifetime Lifetime Lifetime Lifetime Lifetime

Premiums

Annual Premiums (inclusive of 7% GST) Click here

Annual Premiums (inclusive of 7% GST) - Foreigners Click here

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
(Includes MediShield Life payout)
$13,860
Customer Pays $5,040

Assuming that the policy year limit has been adjusted to $632,700 as a result of medical cost inflation, his remaining policy year limit will be $618,840 following the above claim.

  

Exclusive

PRUshield for Public Service Officers21 or staff of Selected Companies21

Enjoy a 10% discount on your PRUshield first year premium22 if you are a Public Service Officer21 or a staff of Selected Companies21. This premium discount is extended to your Immediate Family Members23 as well.

Annual Premiums24 (inclusive of 7% GST)
For Public Service Officers21, staff of Selected Companies21,
or their Immediate Family Members23 who are Singaporeans or
Permanent Residents of Singapore
Age Next
Birthday
Exclusive First Year Premium22, 24 Renewal Premiums24
PRUshield
A premier
PRUshield
A plus
PRUshield
A premier
PRUshield
A plus
1 - 20 $217.80 $179.10 $242 $199
21 - 30 $288.00 $239.40 $320 $266
31 - 40 $433.80 $380.70 $482 $423
41 - 50 $698.40 $588.60 $776 $654
51 - 55 $1,116.00 $883.80 $1,240 $982
56 - 60 $1,135.80 $898.20 $1,262 $998
61 - 65 $1,521.00 $1,224.00 $1,690 $1,360
66 - 70 $2,118.60 $1,606.50 $2,354 $1,785
71 - 73 $2,770.20 $2,050.20 $3,078 $2,278
74 - 75 $3,187.80 $2,367.00 $3,542 $2,630
76 - 78^ - - $4,674 $3,453
79 - 80^ - - $4,748 $3,531
81 - 83^ - - $5,733 $3,852
84 - 85^ - - $6,521 $4,450
86 - 88^ - - $7,214 $4,740
89 - 90^ - - $7,214 $4,740
91 - 93^ - - $7,276 $4,879
94 - 95^ - - $7,859 $5,284
96 - 98^ - - $8,089 $5,481
99 - 100^ - - $8,509 $5,924
^ Only policy renewals are allowed.

Download Brochure

Footnotes:
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 A Premier and PRUshield A Plus plans 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 For PRUshield A Premier and PRUshield A Plus plans, the 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 For PRUshield A Premier and PRUshield A Plus, 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 For PRUshield A Premier and PRUshield A Plus, 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, abruption 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 For PRUshield A Premier and PRUshield A Plus, Deductibles will be increased by 50% depending on ward class when the life assured is above age 85. For PRUshield Standard Plan, deductibles are fully shown in the table.
18 Pro-ration factors are applied to reduce the medical bills in a higher ward class, private sector outpatient clinics or private hospitals to the level of the targeted ward under the plan.
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.

Note:

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 and PRUshield Standard Plan.

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.

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.

The information contained on this website is intended to be valid in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore. In case of discrepancy between the English and Chinese versions of the e-Brochure, the English version shall prevail.

Information is correct as at 13 April 2016.