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PRUshield extra
All-round protection against rising medical costs
Designed to complement your PRUshield plan, PRUshield extra reimburses you for the Deductible and Co-insurance portions of your main PRUshield plan. This means you enjoy coverage from the first dollar.
Benefits
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
| PRUshield extra A premier | PRUshield extra A plus | |
| PRUshield's Deductible (per Policy Year) Restructured C Ward Restructured B2 Ward Restructured B1 Ward Restructured A Ward Private Hospital Day Surgery - Subsidised Day Surgery - Non-Subsidised |
$1,000 $1,500 $2,000 $3,000 $3,000 $1,500 $2,000 |
$1,000 $1,500 $2,000 $3,000 $3,000 $1,500 $2,000 |
| PRUshield's Co-insurance | 10% | 10% |
Additional Benefits
| Plan | PRUshield extra A premier | PRUshield extra A plus |
| Hospital/ Ward Types | Single Bedded Ward (Singapore Private Hospital) |
Class A Ward (Singapore Restructured Hospital) |
| Accident & Emergency Ambulance Fee | $250 per injury or illness | $150 per injury or illness |
| Parent/ Guardian Accommodation with Child | $60 per day2 | $30 per day2 |
| Daily Hospital Incentive | $200 per day (if admitted to a Restructured Hospital Ward B1/B2/C) $125 per day (if admitted to a Restructured Hospital Ward A) |
$125 per day (if admitted to a Restructured Hospital Ward B1/B2/C) |
| Post-Hospitalisation Follow-up Traditional Chinese Medicine (TCM) Treatment by a Registered Traditional Chinese Medicine (TCM) Practitioner in a Singapore Hospital, Community Hospital3 or listed medical institution4 incurred within 90 days after discharge from confinement | $6,000 per Policy Year | $3,000 per Policy Year |
| Emergency Outpatient Treatment due to an Accident | $3,000 per Policy Year | $2,000 per Policy Year |
| Special Appliances and Prosthesis | $3,000 per Policy Year | $2,000 per Policy Year |
| 1 | PRUshield extra is guaranteed renewable for life on the basis that PRUshield A premier/A plus obtains an "in-force" status and is valid. |
| 2 | This benefit reimburses charges incurred up to a maximum of 10 days per hospitalisation. |
| 3 | Community hospitals covered by PRUshield extra include: AMK Community Hospital, Bright Vision Hospital, St Andrew's Community Hospital, St Luke's Hospital and Westpoint Family Hospital. |
| 4 | Medical institution includes only Singapore Chung Hwa Medical Institution and Singapore Thong Chai Medical Institution. |
Premiums
How it works
Example of how PRUshield extra A premier can complete your medical coverage:
Assumptions:
- Policyholder (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
| For Singaporeans or Permanent Residents of Singapore and Foreigners | |
| Breakdown of Hospital Bill | Amount Payable |
| Room & Board (7 days) | $5,200 |
| ICU Charges (2 days) | $1,450 |
| Surgical Procedure | $8,000 |
| Surgical Implants/Approved Medical Consumables | $3,000 |
| Total | $17,650 |
| Less Deductible (Restructured A Ward) | $3,000 |
| > Balance After Deductible | $14,650 |
| Less Co-insurance (10% of $14,650) | $1,465 |
| > Balance After Co-insurance | $13,185 |
| PRUshield A premier Pays | $13,185 |
| PRUshield extra Pays | $4,465 |
| Customer Pays | $0 |
What's more, the customer will also receive a payout under the Daily Hospital Incentive:
| 9 days x $125 = | $1,125 |
| Total Daily Hospital Incentive Customer Receives | $1,125 |
FAQs
Eligibility & Coverage
Q1 How does PRUshield extra complement PRUshield plans?
Q5 Who is eligible to buy PRUshield extra plans?
Q6 Can I pay the PRUshield extra premium using Medisave?
Q7 Will PRUshield extra be automatically renewed each year just like PRUshield?
Claims
Q1 How can I claim for PRUshield extra?
Q2 If a claim filed on the main PRUshield plan is declined, will PRUshield extra pay?
Premiums
Q1 Are the premium rates guaranteed?
Q2 Will I have to pay higher premiums if I have a medical condition?
Q3 Does the premium change as I get older?
Policy Servicing
Q1 What happens when I terminate my PRUshield (As Charged) policy?
Download Brochure
Terms and conditions apply
PRUshield extra can only be purchased by prospective and existing clients of PRUshield A premier or 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' notice to the policy-owner 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).
Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. 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.
The information in this website is for reference only and not a contract of insurance. Please refer to the Policy Document for the exact terms and conditions and specific details applicable to this insurance.
The information contained in this website is not required to be reviewed or endorsed by the Monetary Authority of Singapore.
PRUshield extra premiums cannot be paid using Medisave.
Information correct as at 24 April 2012.
