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PRUShield and PRUExtra

50% off premiums in the first year. T&Cs apply.

With the rising cost of healthcare in Singapore, medical treatment can cause financial strain if you are underprepared. In a time of difficulty, you should be able to focus on your recovery, instead of being burdened by medical bills.

PRUShield and PRUExtra are medical insurance plans designed to provide you with more comprehensive coverage on your existing national health insurance MediShield Life, ensuring you are well-protected against unforeseen medical expenses.

Limited-time offer

Enjoy 50% off premiums* in the first year of your PRUShield and PRUExtra purchase if you are turning 25 or below on your next birthday.

Promotion ends 31 December 2019.

Eligible Insurance Plan Maximum Age Next Birthday for Life Assured First-year premium discount
PRUShield Premier 25 50%
PRUShield Plus
PRUShield Standard Plan
PRUExtra Premier CoPay
PRUExtra Premier Lite CoPay
PRUExtra Plus CoPay

I’m Interested. Contact me

For more information, speak to your Prudential Financial Consultant. Call us at 1800 333 0333 today.

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

Terms and Conditions of PRUShield & PRUExtra Premium Discount Promotion (“Promotion”)

A. Promotion Details

  1. Definitions:
    1. “Prudential” means Prudential Assurance Company Singapore (Pte) Limited.
    2. “Promotion Period” means the period between 1 September 2019 and 31 December 2019 (both dates inclusive).
    3. “Eligible Customer” means policyholders whose proposal for any Eligible Insurance Plan is for Life Assured who are Singaporean or Permanent Residents of Singapore aged next birthday 25 & below and submitted to and accepted by Prudential during the Promotion Period by satisfying the eligibility criteria below.
    4. “Eligible Insurance Plan” means any of the products meeting the criteria as stated in the Promotion Table below.
    5. “Life Assured” means Singaporeans and Permanent Residents of Singapore aged next birthday 25 and below.
    6. “Discount” means 50% off first-year premium.
    7. “Promotion Table” means the table below.

      Promotion Table:

      Eligible Insurance Plan Maximum Age Next Birthday for Life Assured First-year premium discount
      PRUShield Premier 25 50%
      PRUShield Plus
      PRUShield Standard Plan
      PRUExtra Premier CoPay
      PRUExtra Premier Lite CoPay
      PRUExtra Plus CoPay


  2. Eligibility
    In order to be eligible for the Promotion, the Eligible Customer has to satisfy the following during the Promotion Period in order to receive the Discount (as defined in the Promotion Table), provided always that the Eligible Customer satisfies the criteria below:
    1. If the Eligible Customer’s proposal for any Eligible Insurance Plan is for Life Assured who are Singaporeans/ Permanent Residents of Singapore aged next birthday 25 and below and submitted to Prudential and accepted by Prudential during the Promotion Period.
    2. This Promotion is valid for all premium payment modes (monthly, quarterly, bi-annual and annual).

  3. Discount
    1. An Eligible Customer is entitled to receive a Discount on the first-year premium in accordance to the terms and conditions of this Promotion.
    2. For PRUShield Premier, PRUShield Plus and PRUShield Standard Plan that are available as an Integrated Shield Plan (“IP”) made up of MediShield Life provided by the Central Provident Fund Board and additional private insurance provided by Prudential, the Discount is applicable to Prudential’s portion of the IP premium only.
    3. The Discount in this promotion shall be on a ‘per-policy’ basis (subject to the terms and conditions of this Promotion), there shall be no restrictions on the number of Discount transactions an Eligible Customer can enjoy.

  4. Promotion Mechanism
    The Discount will be applied automatically upon policy submission.


B. General Terms and Conditions

  1. By participating in the Promotion, each Eligible Customer is deemed to have accepted and agreed to be bound by these terms and conditions contained herein and any other instructions, terms and conditions that Prudential may issue from time to time.

  2. Prudential assumes no responsibility for incomplete, lost, late, damaged, illegible or misdirected forms or email communication, for technical hardware or software failures of any kind, lost or unavailable network connections, or failed incomplete, garbled or delayed electronic transmission which may limit an Eligible Customer’s ability to participate in the Promotion.

  3. Prudential has the sole and absolute discretion to exclude any Eligible Customer from participating in the Promotion without any obligation to furnish notice and/or reason.

  4. Prudential reserves the right to disqualify or disregard any Eligible Customer who does not comply with the terms and conditions contained herein.

  5. Prudential may at its discretion forfeit the Discount, or, if already awarded, reclaim the Discount at the expense of the Eligible Customer without payment, compensation, or having to give any reason whatsoever in the event Prudential subsequently discovers that the Eligible Customer is not eligible to participate in the Promotion and/or to receive the Discount.

  6. Prudential reserves the right to replace any Discount with items of similar value at any time without prior notice.

  7. Prudential shall not be liable for any loss of, damage to, defects, delay, mis-delivery or non-delivery of the Discount.

  8. Prudential reserves the right to request for the Eligible Customers’ proof of eligibility, identity and/or otherwise for the purposes of verifying the Eligible Customer’s claim to the Discount at the time of prize collection.  Prudential is under no obligation whatsoever to disclose the identity of the Eligible Customers or to publish the same for any reason at any point of time.

  9. The Discount is not exchangeable for cash, credit or any other items of equivalent value.  The validity period of the Discount is non-extendable.  Prudential will be under no obligation to replace or pay to Eligible Customers the value of any Discount that are not utilised by the Eligible Customers before the end of the validity period of the Discount as may be stipulated by Prudential and/or relevant merchants.

  10. The Promotion is not valid in conjunction with other promotions carried out by Prudential.

  11. By participating in this Promotion, each Eligible Customer agrees and consents under the Personal Data Protection Act (Cap 26 of 2012) to the collection, use and disclosure of any and all personal data of the Eligible Customer by/to Prudential, advertising and promotional agencies of the Promotion and such other third party, in Prudential’s absolute discretion, consider appropriate or necessary in connection with the Promotion and redemption of Discount.

  12. If an Eligible Customer provides Prudential with personal data of any third party, that Eligible Customer hereby:
    1. Agrees on behalf of that third party to be bound by the terms and conditions contained herein; and
    2. Consents on behalf of that third party, to Prudential’s collection, use, disclosure and processing of his/her personal data in accordance with the terms and conditions contained herein.

    The Eligible Customer warrants that he/she has obtained the said third party’s prior consent to such collection, use, disclosure and processing of his/her personal data by Prudential and that the personal data that the Eligible Customer provides to Prudential is true, accurate and complete.

  13. Prudential shall not be liable for any third party’s misuse of the Eligible Customer’s submitted information and photograph as a result of the Eligible Customer taking part in the Promotion.

  14. Unless prohibited by law, participation in the Promotion constitutes permission for Prudential, its advertising and promotional agencies to use any of the Eligible Customer’s names, and/or likeness for advertising and promotional purposes.  Each Eligible Customer further agrees and acknowledges that the copyright and all other intellectual property rights in and to all photographs or audio-video or other recordings of the Eligible Customer taken or made in connection with the Promotion shall vest solely and absolutely in Prudential without any compensation to the Eligible Customer.

  15. Prudential may at any time at its absolute discretion, without prior notice or assigning any reason thereof or being liable to any person, (i) suspend, cancel or terminate the Promotion, or (ii) delete, vary, supplement, amend, modify any one or more of the terms and conditions of the Promotion.  Prudential’s determination of all matters in connection with the Promotion and the Discount shall be final, binding and conclusive.  Prudential is not obliged to give any reason or prior notice on any matter concerning the Promotion or the Discount.  No appeal, correspondence or claims will be entertained.  Prudential has the right and discretion to determine whether a party has met the requirements of the Promotion and/or to receive the Discount.  Eligible Customers shall not be entitled to any damages or compensation whatsoever or howsoever arising as a result of such amendment, suspension or termination.

  16. By participating in the Promotion, all Eligible Customers agree and undertake to, at all times, indemnify, keep indemnified, and hold Prudential, its employees and agents harmless against all losses (including direct, indirect, incidental and/or consequential losses), damages (including general, special, and/or punitive damages), demands, injuries (other than personal injury caused by Prudential’s negligence), claims, costs, penalties, interest and fees (including all legal fees as between solicitor and client or otherwise on a full indemnity basis whether or not incurred in respect  of any real, anticipated, or threatened legal proceedings), howsoever caused by, arising or resulting from, whether directly or indirectly, their participation in the Promotion, acceptance or usage of any Discount, and/or any breach or purported breach of these terms and conditions and/or any applicable law.

  17. In the event of any inconsistency or discrepancy between the terms and conditions contained herein and the contents of any brochure, marketing and/or promotional materials relating to the Promotion, the terms and conditions contained herein shall prevail.

  18. Any trademarks, graphic symbols, logos or intellectual property contained in any materials used in connection with this Promotion, in particular the Discount, are the property of their respective owners.  Prudential is not affiliated with, or endorsed or sponsored by, such owners and their relevant affiliates.

  19. Failure by Prudential to exercise any of its right or remedy under the terms and conditions contained herein does not constitute a waiver of that right or remedy.

  20. The terms and conditions contained herein shall be governed by Singapore law and the Eligible Customers agree to submit to the exclusive jurisdiction of the courts of Singapore.

  21. A person who is not a party to any agreement governed by these terms and conditions shall have no right under the Contracts (Right of Third Parties) Act (Cap 53B) to enforce any of these terms and conditions.
Important Notes

PRUShield is a yearly renewable plan. Prudential guarantees lifetime coverage for PRUShield and PRUExtra.

PRUExtra premiums cannot be paid by Medisave.

We reserve the right to vary the policy benefits, features, conditions, and/or name at any time by giving 30 days’ written notice to the policyowner before doing so.

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 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.

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.

These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policies 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 31 October 2019.

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