IT’S TIME FOR SOME HEALTHY THINKING ABOUT INSURANCE

 

For PRUExtra Premier CoPay and PRUExtra Premier customers

 

A fairer pricing approach for PRUExtra Premier CoPay* policyholders to help you save on your premiums without compromising on medical care.


Rewarding you for staying healthy


PRUExtra Premier CoPay* Supplementary Plan

We know the benefits of a healthy lifestyle. Your efforts in healthy living will be rewarded, not just with good health, but also with savings on PRUExtra Premier CoPay* premiums through a claims-based pricing approach.

What is claims-based pricing?

With a PRUExtra Premier CoPay* plan, you will start off at the Standard Level Premium, the lowest of your age band. You also enjoy the PRUwell Reward, a 20% savings on your Standard Level Premium when your policy is incepted with no exclusions. Each year, your premium level will be determined by any previous claims you made during the review period. As long as you stay healthy, with no claims made on your PRUExtra Premier CoPay* plan, you will continue to enjoy the PRUwell Reward on your Standard Level Premium at your next policy renewal.

 

What is claims-based pricing?

 

How can your premiums change in the future?

Source of Claim Claim amount from PRUExtra Premier CoPay* during the Review Period Premium level
(at the next policy renewal)
Private Hospital Claim^ S$1,000 and below Remains on the same level
Above S$1,000 to S$5,000 ↑2 Levels (limit at Level 5)
Above S$5,000 ↑4 Levels (limit at Level 5)
Restructured Hospital Claim^ Any amount ↓1 Level (limit at Standard)
No claim^ Nil ↓1 Level (limit at Standard)

 

^Applicable for hospital and medical institutions.
Note: Should there be occurrences of both private and restructured hospital claims within the same review period, then the private hospital claim will be used to determined movement on premium level at renewal.

Find out more

Please refer to the customer portal PRUaccess for the revised premiums based on your age band.

For more information contact your Financial Consultant or call our PRUCustomer Line on 1800 333 0333 (Monday – Friday, 8.30am – 5.30pm).

*Applies to both PRUExtra Premier and PRUExtra Premier CoPay policyholders

Note: Terms and conditions apply. PRUExtra premiums cannot be paid using Medisave. 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 reserves the right to vary premiums at any time by giving 30 days’ written notice to the policyowner before doing so. 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 these insurance products 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 leaflets, the English version shall prevail.

Information is correct as at 1 April 2019.

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