PRUshield extra

Enhance your plan for a better all-round protection against rising medical costs

PRUshield  extra is designed to complement your PRUshield plan which reimburses you for the Deductible and Co-insurance portions of your medical bills. With our PRUshield extra, you can continue to enjoy coverage from the first dollar and have better protection today.

Click here to find out more about PRUshield plan.


Other benefits* of PRUshield extra include:

  • Hospital Incentive for each day that you are warded when you stay in a ward class lower than your entitlement
  • Coverage for Post-Hospitalisation Follow-Up for Traditional Chinese Medicine (TCM) treatment of up to 180 days after Hospital Confinement or day surgery
  • Reimbursement for Emergency Outpatient Treatment
  • Purchase or rental of Special Appliances and Prosthesis within 180 days after Hospital Confinement

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

Enjoy continuous coverage

PRUshield extra A Premier or PRUshield extra A Plus are cash premium plans that are guaranteed renewable for life1 – so you are assured of continuous coverage.

Benefits At A Glance

Plan PRUshield extra A Premier PRUshield extra A Plus
Hospital / Ward Type Singapore Private Hospital Singapore Restructured Hospital (Class A Ward)
PRUshield's Deductible^ (per Policy Year)  
Restructured C Ward $1,500 $1,500
Restructured B2 Ward $2,000 $2,000
Restructured B1 Ward $2,500 $2,500
Restructured A Ward $3,500 $3,500
Private Hospital $3,500 $3,500
Day Surgery - Subsidised $1,500 $1,500
Day Surgery - Non-Subsidised $2,000 $2,000
Short Stay Ward - Subsidised $1,500 $1,500
Short Stay Ward - Non-Subsidised $2,000 $2,000
PRUshield's Co-insurance 10% 10%

^ Deductible will be increased by 50% depending on ward class when the life assured is above age 85.

Additional benefits with PRUshield extra

Plan PRUshield extra A Premier PRUshield extra A Plus
Hospital/ Ward Types Singapore Private Hospital Singapore Restructured Hospital
(Class A Ward)
Accident & Emergency Ambulance Fee2 $250 per injury or illness $150 per injury or illness
Immediate Family Member’s Accommodation with Child
(Immediate Family Member:
Father, Mother, Brother or Sister)
$60 per day3 $30 per day3
Daily Hospital Incentive4 $200 per day
(if admitted to a Restructured Hospital Ward B1/B2/C)
$125 per day
(if admitted to a Restructured Hospital Ward B1/B2/C)
$125 per day
(if admitted to a Restructured Hospital Ward A)
Post-Hospitalisation Follow-up Traditional Chinese Medicine (TCM) Treatment by a Registered TCM Practitioner in a Singapore Hospital, Community Hospital or approved TCM medical institutions5 incurred within 180 days after confinement or day surgery $6,000
per Policy Year
per Policy Year
Emergency Outpatient Treatment due to an Accident6 $3,000
per Policy Year
per Policy Year
Special Appliances and Prosthesis, purchased or rented within 180 days after confinement $3,000
per Policy Year
per Policy Year


Annual Premiums (inclusive of 7% GST) Click here

Monthly Premiums (inclusive of 7% GST) Click here

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

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

How it works

Example of how PRUshield extra A Premier can complete your medical coverage:


  • Life Assured (male, age 30) covered under the PRUshield A Premier with PRUshield extra A Premier plan
  • Hospitalised due to ischaemic heart disease and undergoes coronary artery bypass graft surgery
  • Stays a total of 9 days in a Class A Ward of a restructured hospital so his total hospital bill comes to $17,650
Breakdown of Hospital Bill Amount Payable
Room & Board (7 days) $5,200
Intensive Care Unit Charges (2 days) $1,450
Surgical Procedure $8,000
Surgical Implants/Approved Medical Consumables $3,000
Total $17,650
Less Deductible (Restructured A Ward) $3,500
> Balance After Deductible $14,150
Less Co-insurance (10% of $14,150) $1,415
> Balance After Co-insurance $12,735
PRUshield A Premier Pays $12,735
PRUshield extra A Premier Pays $4,915
Customer Pays $0


What’s more, the customer will also receive a payout under the Daily Hospital Incentive4 as he stayed in a lower ward class than his entitlement:

9 days x $125 = $1,125
Total Daily Hospital Incentive4 Customer Receives $1,125

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PRUshield extra can only be purchased by prospective and existing clients of PRUshield A Premier or PRUshield A Plus.

1 PRUshield extra is guaranteed yearly renewable for as long as you live, provided you pay premiums within the Grace Period and your PRUshield A Premier /A Plus has not been terminated or void.
2 We will reimburse the charges incurred for Medically Necessary Accident & Emergency ambulance services to the Hospital, provided that the life assured is admitted for Hospital Confinement, for treatment of an injury or illness. This will be subjected to the maximum limit as stipulated.
3 This benefit reimburses the actual amount charged per day or the daily limit, whichever is lower, up to 10 days for each hospitalisation.
4 The benefit is payable if the life assured is hospitalised for an injury or illness and stays in a ward class that is lower than his entitlement under the policy. We will not pay if the Hospital stay is in: a community Hospital; an overseas Hospital; a short stay ward; or an Accident and Emergency ward.
5 The list of approved TCM medical institutions can be found on our website We reserve the right to change the approved TCM medical institutions as required, from time to time.
6 For PRUshield extra A Plus, the bills from Private Hospitals will be pro-rated at 65%.
7 Please refer to the PRUshield Product Summary for the definition of an Eligible Valid Pass.


For Post-hospitalisation Follow-up Traditional Chinese Medicine Treatment under PruShield Extra, the following TCM medical institutions apply:

  • Bai Chuan TCM Clinic Pte Ltd
  • Bao Zhong Tang TCM Centre
  • Beijing Tong Ren Tang
  • Complementary Integrative Medicine Clinic - Tan Tock Seng Hospital
  • Eu Yan Sang TCM Clinic
  • ECON Chinese Medicine
  • Heritage TCM Clinic
  • IAG Healthsciences Pte Ltd
  • Ma Kuang Chinese Medicine & Research Centre Pte Ltd
  • Raffles Chinese Medicine - Raffles Hospital
  • Si En TCM Medical Clinic Pte Ltd
  • Singapore Chung Hwa Medical Institution
  • Singapore Thong Chai Medical Institution
  • Traditional Chinese Medicine Centre - Kwong Wai Shiu Hospital
  • Thomson Chinese Medicine
  • Thye Hua Kwan TCM Medical Centre - Ang Mo Kio Thye Hua Kwan Hospital
  • Yang Zheng Tang TCM Clinic

We reserve the right to review and change this list as required from time to time.

PRUshield extra premiums cannot be paid using Medisave.

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.

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 this insurance product 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 Mandarin versions of the e-Brochures, the English version shall prevail.

Information is correct as at 1 July 2016.