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IMPORTANT NOTICE: Prudential announced the roll out of PRUCare Package to provide cash benefits for those quarantined or hospitalised due to the COVID-19, as well as aid for SMEs whose businesses are affected by the disease. Find out more

LIA Critical Illnesses (CI) Framework 2019 : In accordance to LIA Critical Illness (CI) Framework 2019, Prudential Singapore’s policies purchased from 26 August 2020 will adhere to the updated list of critical illnesses definitions. For more information, speak to your Prudential Financial Consultant today.

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PRUShield

Your options to comprehensive private health insurance coverage without compromising medical care.

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What is PRUShield?


With the rise in healthcare costs, seeking medical treatment can cause a financial strain especially if you don’t have enough health insurance coverage.

Prudential’s suite of base (PRUShield*) and supplementary (PRUExtra) plans offer you various options with comprehensive coverage that suit your budget and healthcare needs. With the added PRUExtra plans, you will be able to further cover your Deductibles6 and Co-insurance7 of up to 95% of your medical bill and gain access to PRUPanel Connect 8

Need help to understand which health insurance plan matches your needs? Try our 1-min quiz to learn more.

*For Singaporeans and Permanent Residents, PRUShield is a MediSave-approved Integrated Shield Plan1 which complements your MediShield Life with the option to pay your premiums with MediSave2. PRUShield is also available for foreigners, as a private health insurance plan. Learn more about our product premiums.

We’ve got you covered for medical expenses related to COVID-19 too. Find out more

Get a quote now

How PRUShield can help with healthcare costs in times of need


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Key Benefits


Choose the plan that meets your needs

PRUShield has different base plan types to give you the flexibility to choose from private or public hospitals, ward classes, and doctors.

Plus, add on a PRUExtra supplementary plan to further reduce your Deductibles6 and Co-insurance7, among other benefits.

Find out what you need with this 1-minute guide Or check out a quick comparison of PRUShield base plans and PRUExtra supplementary plans.

Simplifying Your Healthcare Journey

We believe planning your healthcare should be simple.
Choosing what you need should not take more than 4 clicks.

Your health services preference First, let's understand your needs.
What level of health services are you looking for?

Your comfort level What is your preference level for privacy?

Your share of medical bill Do you prefer to pay more now so that you pay lesser later?

Our value adds What best describes your preference
for health services?

Private hospital access What level of private hospital access
would you like to enjoy?

Your share of medical bill Do you prefer to pay more now so that you pay lesser later?

Based on your needs,
the recommended product is:.......

PRUShield Standard

Covers B1 ward in public hospitals and below.

PRUShield Premier

Covers standard rooms in private hospitals
and all public hospitals.

PRUShield Plus

Covers A ward in public hospitals and below.

PRUExtra Plus CoPay

Further lowers your out-of-pocket expenses* at public hospitals

PRUShield Plus

Covers A ward in public hospitals and below.

PRUShield Premier

Covers standard rooms in private
hospitals and all public hospitals.

PRUExtra Premier Lite CoPay

  • Basic, no-frills private hospital option to further lower part of your out-of-pocket expenses* at all private and public hospitals in Singapore
  • Very competitive premiums

PRUShield Premier

Covers standard rooms in private and all public hospitals.

PRUExtra Premier CoPay

  • ”Best of the best" option to further lower your out-of-pocket expenses* at all private and public hospitals in Singapore
  • Value-added services including cashless hospitalisation and concierge services
  • The highest premium solution for your protection needs

PRUShield Premier

Covers standard rooms in private and all public hospitals.

PRUExtra Preferred CoPay

  • ”Value-for-money" option to further lower your out-of-pocket expenses* at selected private hospitals and all public hospitals in Singapore, at a more affordable rate
  • Value-added services including cashless hospitalisation and concierge services

Additional benefits for PRUExtra Premier CoPay and PRUExtra Preferred Copay customers

PRUPanel Connect

Enjoy a cashless8 and hassle-free experience at a selected panel of private and restructured hospitals, with a dedicated concierge service.

Learn more

PRUWell Reward

Enjoy lower premiums by staying healthy and not making any claims.

Check how it works

Customer Reviews

Customer Reviews

Customer Reviews

Here are some reviews written by our insurance customers after having experienced our services.

I submitted my claim request directly via my hospital and the process was efficient. I did not have to worry about having to fork out a large sum of cash to pay for my hospital bill.

Claims Decision
June 18, 2020

This was my first experience with submitting a claim online and the process was much simpler than I anticipated!

Claims Submission
June 19, 2020

He was patient and took the time to understand the status of my current financial status in order to better advise me. He demonstrated respect and understanding during our conversations and did not make me feel pressured to purchase any policy from him.

Agency Sales
June 5, 2020

We’ve got you covered for COVID-19

1. Hospitalisation Cover

On 27 March 2020, MOH made an announcement that travellers travelling overseas against existing advisories will not be eligible for hospitalisation claims should they get hospitalised for COVID-19 after returning to Singapore. As of 20 October 2020, this exclusion will be lifted.

All Singaporeans, Permanent Residents and Long-term Pass Holders, who travelled out of Singapore and are hospitalised for symptoms for COVID-19 within 14 days of their return, will receive cover on their PRUShield Plan, for COVID-19 treatment received on and after 20 Oct 2020 onwards.

For more information, please refer to point no, 22 on the announcement from MOH and the FAQ

For businesses, our Group Medical Plan covers medical costs related to the Coronavirus Disease 2019 (COVID-19), subject to the terms and conditions of your plan.

2. Daily Hospital Cash Benefit

As part of an industry wide effort to ensure our policyholders receive additional support, policies that provide Daily Hospital Cash Benefit, will now be extended to an insured member who is diagnosed with COVID-19 and was admitted to a Community Care Facility (CCF) or Community Recovery Facility (CRF) for up to 14 days* after being transferred from a hospital.

For more information please refer to the announcement from the Life Insurance Association Singapore.

All claims will be assessed and subjected to the policy terms and conditions.

*The 14 days limit does not apply to PRUCare Daily Cash Benefit for those Hospitalised which pays out a cash benefit for up to 3 months of hospitalization. Terms and conditions apply.

3. Coverage for Telemedicine 

PRUShield Policyholders who are eligible for pre- and post-hospitalisation coverage can claim for telemedicine costs, for treatments relating to their hospitalisation (subject to policy terms and conditions). All claims will be assessed and subjected to the policy terms and conditions.  

For more information please refer to the announcement from the Life Insurance Association Singapore.

If you have questions on your plan, please refer to our FAQ or speak to your Financial Consultant or call our PRUCustomer Line at 1800 333 0 333 for assistance.

List of Panel Provider & Non-Panel Providers

Panel Providers include:

  1. All Private Registered Medical Practitioners/Specialists, Private Hospitals and Private Treatment Centres listed on the PRUPanel Connect website
  2. All Restructured Hospitals and Treatment Centres

Note: PRUPanel Connect value-added services are applicable for all under (1) and a selected number of Restructured Hospitals and Medical Practitioners/Specialists under (2), all of which are listed on the PRUPanel Connect website.

Non-Panel Providers are:

  1. Non-participating specialists under Raffles Hospital
  2. Non-participating specialists under Mount Alvernia Hospital
  3. Parkway East Hospital
  4. Thomson Medical Centre
  5. Medical Institutions categorised as Day Surgery Centres under the List of MediShield Institutions Participating in MediShield Life Scheme. Please refer to CPFB website: https://www.cpf.gov.sg/Assets/members/Documents/MSH_MedicalInstitutions.pdf

‘No Access’ can be described as:

Under the PRUExtra Preferred CoPay plan, if a private hospital or private medical institution is not listed under either Panel or Non-Panel, the claim will not be admissible.

Please refer to the policy document for more information.

We reserve the right to change this Panel or Non-Panel list from time to time.

Footnotes

1If 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 the 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.

2Premiums 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.

3This benefit is only applicable to PRUShield Premier and PRUShield Plus 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 significant 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.

4Only applicable for PRUShield Premier and PRUShield Plus.

5Refers to Prudential’s portion of the Integrated Shield Plan (IP) premium.

6Deductible is a fixed amount to be paid by a policyowner before the MediShield Life and PRUShield benefits are payable. Deductible will increase by 50% depending on ward class when the life assured is above age 85.

7Co-insurance is a percentage of the claimable amount that a policyowner needs to co-pay after deductible.

8Terms & conditions apply. Please refer to www.prudential.com.sg/ppc.

^Only applicable to PRUExtra Premier CoPay, PRUExtra Preferred CoPay & PRUExtra Plus CoPay

Additional Notes

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.

You are recommended to read the product summary and 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.

Premiums are not guaranteed and may be adjusted based on future claims experience. Prudential serves 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 first premium) on cover start date and each policy anniversary date (for renewable premium).

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.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Information is correct as at 1 April 2020

This advertisement has not been reviewed by the Monetary Authority of Singapore.

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