PRUshield extra

Complete your cover with a little extra

Having complete financial assurance is important to you and your loved ones. With PRUshield extra, you can complement your basic PRUshield plan so you can focus on your recovery rather than the financial concerns that may arise. It gives you and your family coverage from the first dollar and is guaranteed renewable1 so you enjoy complete cover and maximum protection for your entire life with a little extra.
 

PRUshield extra – For Foreigners

You’re far from home, but close to greater protection

As Singapore becomes your home away from home, it’s important that you and your family are healthy. PRUshield can protect you from the unexpected in an affordable way.

You’ll have a choice of wards in both private or restructured hospitals, along with top doctors attending to you or your family’s needs.

That’s why PRUshield is simply the best way to combat escalating healthcare costs.

You can also add PRUshield extra to complement your PRUshield plan.

PRUshield extra provides you coverage from the first dollar by reimbursing the Deductible and Co-insurance portion of your medical bills. It provides you and your family complete coverage while giving you peace of mind.


Click here to find out more about PRUshield plan.

Benefits

  • Covers 100% of the Deductible and Co-insurance portion of your medical bills.
  • Hospital Incentive for each day that you are admitted in a ward class lower than your entitlement.
  • 365 days coverage for Post-Hospitalisation Follow-Up Traditional Chinese Medicine (TCM) treatment after hospital confinement or day surgery.
  • Reimbursement for Emergency Outpatient Treatment.
  • Covers purchase or rental of Special Appliances and Prosthesis for up to 365 days after Hospital Confinement or day surgery.

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)
Deductible (per Policy Year) 100% of PRUshield's Deductible amount 100% of PRUshield's Deductible amount
PRUshield's Co-Insurance 10% 10%
Accident & Emergency Ambulance Fee2 $250 per injury or illness $150 per injury or illness
Immediate Family Member's Accomodation 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 365 days after confinement or day surgery

$6,000
per Policy Year
$3,000
per Policy Year
Emergency Outpatient Treatment due to an Accident6 $3,000
per Policy Year
$2,000
per Policy Year
Special Appliances and Prosthesis purchased or rented within 365 days after confinement or day surgery $3,000
per Policy Year
$2,000
per Policy Year

 

Premiums

PRUshield extra Annual & Monthly Premiums (S$) >>

PRUshield extra Annual & Monthly Premiums (S$) - Foreigners >>

a Maximum entry age is 55 age next birthday for the life assured who is a foreigner. Premiums shown are for renewal only.
b Maximum entry age is 75 age next birthday for the life assured who is a Singapore Citizen or Permanent Resident. Premiums shown are for renewal only.
c For life assureds who are foreigners, the monthly payment mode for PRUshield extra is only available if the main PRUshield As Charged plan is paid using the policyowners’ Medisave account.
d Maximum entry age is 55 age next birthday for the life assured who is a foreigner. Premiums shown are for renewal only.

How It Works

Enjoy 100% Medical Coverage with PRUshield extra

The above illustration is based on an estimated calculation of MediShield Life payout. The figures are for illustrative purpose only.
 

Enjoy 100% Medical Coverage with PRUshield extra - Foreigners

The figures are for illustrative purpose only.

Download Brochure

Footnotes:

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 www.prudential.com.sg. 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.

Note:

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 December 2016.