Our Customer Service Centre at Marina One  will be closed at 12.00pm on Friday, 14 December 2018 for an internal event. Our Operation will resume on 17 December 2018. Our PruCustomer Line (1800 333 0 333) will remain open from 8.30am to 5.30pm. We thank you for your understanding.

How to Submit a Claim

Step 1:

Complete the claim form

 

Step 2:

Submit claim form together with supporting documents through your Financial Consultants or at the Customer Service Center. Alternatively, you may mail it to us at:
Prudential Assurance Company Singapore (Pte) Limited
Robinson Road P.O. Box 492 Singapore 900942

 

Type of Claim

1. Death Claim

1. Original or Certified True Copy of Death Certificate 
2. Claimant Statement Download
3. Clinical Abstract Application Form Download
4. Medical Attendant Report (refer to note II) Download
5. Newspaper Clippings (if any)
6. Police Report (if any)
7. Post-Mortem Report (refer to note II) 
8. Blood & Toxicology report (refer to note II)
9. Coroner’s Certificate
10. NRIC(s) of Claimant(s) under Section 61 of Insurance Act;
11. Proof of relationship – will, marriage certificate, birth certificate etc
12. Letter from Immigration & Checkpoints Authority (ICA) Singapore on the update of the life status to deceased for Singaporean/Singapore Permanent Resident (refer note III)
13. PRUSelect Vantage Premier - Notification of Death Form Download
14. All claimants must complete and submit a valid FATCA & CRS SELF-CERTIFICATION FORM FOR INDIVIDUAL ACCOUNT HOLDER. Please go to Note section for information on this requirement. Please complete page 6 to 8 of the Claimant Statement. Alternatively, you may download this form via Customer Form

 

Claimant Proof of Relationship Documents Required (Original or Certified True Copy)
Spouse Marriage Certificate
Children Birth Certificate of Claimant
Parent Birth Certificate of Deceased
Sibling Birth Certificates of Deceased and Claimant
  1. Original or Certified True Copy of death certificate and proof of relationship documents must be produced at the Customer Centre and will be returned immediately after verification. Death Certificate certified by your lawyer or any Notary Public is also acceptable.

    All non-English documents need to be translated into English by a certified translator. The translated documents must be authenticated by a Notary Public.

  2. Please submit all the relevant documents and we will assess the claim upon receipt of all the required documents and advise whether the medical reports are required.

  3. For Singaporeans and Permanent Residents (PR) who died overseas, ICA would issue this letter confirming receipt of Deceased’s identification documents (e.g. Singapore NRIC and Passport), overseas Death Certificate, and cancellation of Deceased’s Singapore NRIC and Passport.

  4. Death Claim - Section 61 of the Insurance Act This Act allows an insurance company to pay an advance payment up to a maximum of $150,000 of the proceeds after claims admission to a proper claimant named as follows:

    Proper Claimant means:
    • Widow/ widower
    • Parent or Child
    • Brother or Sister
    • Nephew or Niece

    The balance proceeds will only be paid after the company receives the Estate Duty Clearance* and Grant of Probate/ Letter of Administration.

    * For death on or after 15 Feb 2008, Estate Duty is removed following a change in Estate Duty law. Hence, the Estate Duty Clearance Certificate is not required for payment of the balance proceeds. However the Grant of Probate/ Letter of Administration is still required.

  5. Extraction of the medical reports is at the claimant's expense.

  6. FATCA AND CRS SELF-CERTIFICATION FORM FOR INDIVIDUAL ACCOUNT HOLDER / ENTITY ACCOUNT HOLDER

    Prudential Assurance Company Singapore (Pte) Limited (“Prudential”) is required to collect certain information about each person’s tax residency and tax classifications under applicable tax regulations, including the Singapore Income Tax Act (Chapter 134), the Foreign Account Tax Compliance Act (“FATCA”) and the OECD Common Reporting Standard for Common Exchange of Financial Account Information (“CRS”). We may be obliged to share information about the policy(ies) with the relevant tax authorities under certain circumstances. Claimant of policy proceeds is required to complete relevant FATCA AND CRS SELF-CERTIFICATION FORM. Claimant may download this form via Customer Form.
  1. How do we make an insurance claim?

    To make a claim, you may contact your Financial Consultant for the necessary requirements or print the claim forms online.

    You may submit the claim form together with supporting documents through your Financial Consultant or at the Customer Service Center. Alternatively, you may mail it to us at:

    Prudential Assurance Company Singapore (Pte) Limited
    Robinson Road P.O. Box 492
    Singapore 900942

  2. What are the documents required for submission?

    Death occurred in Singapore Death occurred outside of Singapore
      Documents must be furnished with an English translation and authenticated by the Singapore High Commissioner of that country
    If death is due to natural causes (illness) If death is due to natural cause (illness)
    Death Claim Claimant’s Statement Death Claim Claimant’s Statement
    Death Certificate Death Certificate issued by a foreign authority must be certified by the Singapore Embassy or a public notary
    Claimant’s NRIC(s)/ Passport(s) Claimant’s NRIC(s) / Passport(s)
    Documentary proof of relationship between the claimant and the deceased Documentary proof of the relationship between the claimant and the deceased
    Last will of the deceased (if applicable) Last Will of the deceased (if applicable)
    FATCA & CRS Self-Certification Form for Individual Account Holder (for a claimant with a foreign address or foreign contact number) FATCA & CRS Self-Certification Form for Individual Account Holder (for a claimant with a foreign address or foreign contact number)
    Clinical Abstract Application form Clinical Abstract Application form


    2.1 Additional mandatory documents if death is due to accident or unnatural cause:

    Death occurred in Singapore   Death occurred outside of Singapore
      Documents must be furnished with an English translation and authenticated by the Singapore High Commissioner of that country
    Medical attendant report Medical attendant report
    Police report or newspaper clipping Burial cremation documents (if cremation or burial occurred overseas)
    Post mortem/toxicology report Repatriation report (if the body was repatriated back to Singapore for cremation/burial)
    Coroner’s Certificate Letter from Immigration and Checkpoint Authority (ICA)*
      Police report/Police investigation report
      Newspaper clipping
      Post Mortem and Toxicology Report
      Coroner’s Certificate

    * For Singaporeans and Permanent Residents (PR) who died overseas, ICA would issue this letter confirming receipt of Deceased’s identification documents (e.g. Singapore NRIC and Passport), overseas Death Certificate, and cancellation of Deceased’s Singapore NRIC and Passport.

  3. Who do we pay the claims proceeds to?

    No. Type of Policy To whom claims proceeds is payable
    1. Trust Trustee
    2. Normal Policy (without Will) Proper Claimant**(up to S$150,000 provided there are no contesting claimants)   Amount  in excess of S$150,000 will require Grant of Letters of Administration*
    3. Normal Policy (With Will) Executor upon submission of Grant of Probate*  
    4. Assignment Policy   Assignee
    5. Trust Nomination   Trustee
    6. Revocable Nomination   Nominee

    *Grant of Letters of Administration & Grant of Probate has to be obtained through a solicitor licensed to operate in Singapore.

    ** Proper Claimants are defined under Section 61 of the Insurance Act as the “widower, widow, parent, child, brother, sister, nephew or niece of the deceased”.

  4. How long does it take to settle a death claim?

    For claims occurring after the policy has been inforce for more than 2 calendar years, we will process the claim within 10 working days.  If the policy is inforce for less than 2 years or claim occurred outside of Singapore, we will review the claim within 5 working days and inform you of the status of the claim.

  5. What if the claimant does not have the death certificate but the Life Assured has been missing for some time?

    The claimant will have to get legal advice to apply for a court order that presumes the Life Assured‘s death.  The court order is to be submitted as part of the claims document.

  6. When does the claimant need to submit the Post Mortem / Toxicology Report?

    The claims officer will advise if the Post Mortem/ Toxicology are required after assessment of the claim.

    Local forensic authority usually perform post mortem for cases where death is sudden or unnatural.  Toxicology test is usually done to exclude or ascertain alcohol or drug content in deceased’s blood.

  7. When does the claimant need to submit the Coroner’s Certificate?

    The claims officer will advise if the Coroner’s Certificate is required after assessment of the claim.

    Generally, a coroner certificate is required for cases in which death is sudden or is suspected to be caused by unnatural means.

  8. What if the claimant is unable to provide the documents needed for proof of relationship?

    The claimant can approach the relevant local authorities for copies of the documents to be extracted at his/her expense.  If the claimant is unable to provide the relevant documents, we reserve the right to make payment to the legal representative of the deceased’s estate upon submission of Grant of Letters of Administration or Grant of Probate.

  9. Who are the Proper Claimants entitled to receive the claim proceeds?

    Proper Claimants are defined under Section 61 of the Insurance Act as the “widower, widow, parent, child, brother, sister, nephew or niece of the deceased.

    Section 61 of the Insurance Act provides that the Insurer may (i.e. at its sole discretion) pay up to S$150,000 to a proper claimant without production of the Grant of Probate or Grant of Letters of Administration.

    The remaining amount is payable only on production of the Grant of Letters of Administration and Grant of Probate.

  10. What is Grant of Probate or Letters of Administration and how does the estate apply for it?

    A Grant of Probate is issued by the Courts to confirm the appointment of the executor(s) named in the deceased’s will.

    A Grant of Letters of Administration is issued by the Courts to name the legal representatives who are entitled to deal with the deceased’s estate.

    Both can be applied through a lawyer who will draw up and submit a petition to the High Court for approval.  It may take up to six months for the court to grant an approval, depending on the complexities of the deceased’s estate.

  11. Do we accept Probate or Letters of Administration issued by the authorities outside of Singapore?

    The Probate or Letters of Administration must be applied and issued by Singapore Court.

    If the country issuing the Probate or Letters of Administration is a member of the Commonwealth Country, the Probate or Letters of Administration must be resealed in Singapore. The claimant can engage a Singapore lawyer to assist them on the reseal process.

  12. Is interest payable on the death claim in view that the extraction of the Grant of Probate or Letters of Administration takes a few months?

    Under the Life Insurance Association Singapore (LIA) statement of life insurance practice, interest is payable when the payment of a claim is made more than two months from the date of receipt of written notification of the death. Such interest will be calculated using the LIA-claims interest rate from the said date of notification until the actual date of payment. Interest payable is calculated daily and compounded at the end of each calendar year.

  13. Who do we pay if deceased had made both a nomination and a Will?

    For Trust nomination, we will pay to the Trustee regardless of any Will.

    For Revocable nomination, we will pay to the nominee(s) if the revocable nomination is made after the Will.

    A valid Will executed after a Revocable Nomination has been made and made known to us will supersede the Revocable Nomination.  However, the Will must satisfy specific requirements under the Wills Act.  For example, the Will must provide for the disposition of all death benefits under the policy and it must specify the particulars of the relevant policy.

  14. What happens if a nominee dies before the Life Assured?

    For Trust nomination, the proceeds will be released to the deceased nominee’s estate.

    For Revocable nomination, the deceased nominee’s share will be proportionately distributed among the surviving nominees. If there are no other nominees, the nomination will be deemed as revoked and it will be paid to the legal representative of the deceased’s estate.

  15. What are the exact requirements necessary for a Will to be able to supersede an earlier Revocable Nomination made under Section 49M (2) of the Insurance Act?

    The Will must be made in accordance with the Wills Act (Cap.352) which provides for the disposition of all death benefits under the relevant policy; and specifies the particulars of that relevant policy referred to in regulation 5(3) of the Insurance (NOB) Regulations 2009. Regulation 5(3) of the Insurance (NOB) Regulations 2009 lists the following particulars:

    1. the name of the registered insurer that issued the relevant policy
    2. the policy number
    3. the name of each beneficiary to whom any portion (including the whole) of the death benefits under the relevant policy is bequeathed
    4. where a beneficiary referred to in sub-paragraph (c) is an individual, the following particulars of the beneficiary : NRIC/BC/Foreign passport number, address, date of birth
    5. where a beneficiary referred to in sub-paragraph (c) is not an individual, the following particulars of the beneficiary; the Singapore unique entity number of the beneficiary or, if the beneficiary does not have such a number, any other official registration number which identifies and is unique to the entity; and the address of the beneficiary;
    6. the portion of the death benefits under the relevant policy which is bequeathed to each beneficiary.

  16. Are the proceeds protected against claims from creditors in the event of bankruptcy?

    For policies with Trust nomination, it is protected against claims from creditors. However, this will not apply if it is proved that the relevant policy was effected with the intent to defraud creditors.

    For Revocable nomination, it is not protected against claims from creditors.

  17. If there is a nomination under the policy and the nominee is still a minor at the time of death of the Life Assured, who do we pay to?

    For Trust Nomination, we will pay the claim proceeds to the Trustee who will administer the monies for the benefit of the nominee(s).

    For Revocable Nomination, if the child is of at least 18 years of age, the death claim will be paid directly to the nominee. If the child is below 18 years of age, the death claim will be payable to the legal guardian for the benefit of the nominee.

  18. If the policyowner had predeceased the Life Assured, who do we pay the claim proceeds to in the event of death of the Life Assured?

    Upon the death of the policyowner, the policy is vested under the Estate of the policyowner. The Grant of Probate (if there is a Will) or Grant of Letters of Administration (if there is no Will) of the policyowner will be required for the claim to be paid to the Executor or Administrator to administer the claim monies for the benefit of the deceased policyowner’s estate.

2. Terminal Illness Claim

1. Terminal Illness Claim Form Download
2. Laboratory Report
3. Clinical Abstract Application Form Download
4. Original Policy Document

3. Disability Claims

1. Disability Claim Form

Download

2. Laboratory Report
3. Clinical Abstract Application Form Download
4. Original Policy Document

4. Crisis Cover Claim

1. Claim Form for different illnesses

1

Major Cancers

- Carcinoma in situ of specified organs
- Early Prostate Cancer
- Early Thyroid Cancer
- Early Bladder Cancer
- Early Chronic Lymphocytic     Leukaemia
- Early Melanoma
- Gastro-intestinal Stromal Tumor (GIST)

Carcinoma in situ of specified organs treated with Radical Surgery

Download

2

Heart Attack

Cardiac pacemaker insertion or Pericardectomy

Cardiac defibrillator insertion or Early Cardiomyopathy

Download

3

Coronary Artery By-pass Surgery

Keyhole coronary bypass surgery or Coronary Artery Arthrectomy or Transmyocardial Laser Revascularisation or Enhanced External Counterpulsation Device Insertion

-

 4

Major Organ (Heart) Transplantation

-

-

5

Other Serious Coronary Artery Disease

Early Stage Other Serious Coronary Artery Disease

Intermediate Stage Other Serious Coronary Artery Disease

6

Angioplasty and other Invasive Treatment for Coronary Artery

-

-

7

Stroke

Brain aneurysm surgery or Cerebral shunt insertion

Carotid artery surgery

Download

8

Kidney Failure

Surgical removal of one kidney or Chronic Kidney Disease

-

Download

 9

Major Organ (Kidney) Transplantation

-

-

10

Benign Brain Tumour

Surgical removal of pituitary tumour or Surgery for subdural haematoma

-

Download

11

Alzheimer’s Disease / Severe Dementia

Moderately severe Alzheimer’s Disease or Dementia

 

Download

12

Apallic Syndrome

-

-

13

Aplastic Anaemia

Reversible Aplastic Anaemia

Myelodysplastic syndrome or Myelofibrosis

14

Bacterial Meningitis

Bacterial Meningitis with full recovery

-

15

Blindness (Loss of Sight)

Loss of sight in one eye

Optic Nerve Atrophy with low vision

16

Coma

Coma for 48 hours

Severe Epilepsy or Coma for 72 hours

17

Deafness (Loss of Hearing)

Partial loss of hearing or Cavernous sinus thrombosis surgery

Cochlear implant surgery

18

End Stage Liver Failure

Liver surgery

Liver Cirrhosis

19

End Stage Lung Disease

Severe Asthma or Insertion of a Veno-cava filter

Surgical removal of one lung

20

Fulminant Hepatitis

Hepatitis with Cirrhosis or Biliary Tract reconstruction surgery

Chronic Primary Sclerosing Cholangitis

21

Heart Valve Surgery

Percutaneous Valve Surgery

-

22

HIV Due to Blood Transfusion and Occupationally Acquired HIV

HIV due to Assault, Organ Transplant or Occupationally Acquired HIV

-

23

Loss of Speech

Loss of Speech due to neurological disease or neurological injury or Permanent or Temporary Tracheostomy

-

24

Major Burns

Moderately severe burns

-

25

Major Head Trauma

Facial reconstructive surgery or Spinal cord injury

Intermediate stage Major Head Trauma

26

Major Organ / Bone Marrow Transplantation

Small bowel transplant; or Corneal transplant

-

27

Motor Neurone Disease

Early Motor Neurone Disease or Peripheral Neuropathy

-

28

Multiple Sclerosis

Early Multiple Sclerosis

Mild Multiple Sclerosis

29

Muscular Dystrophy

Moderately severe Muscular Dystrophy or Spinal Cord Disease or Injury resulting in Bowel and Bladder Dysfunction

-

30

Paralysis (Loss of Use of Limbs)

Loss of Use of One Limb

Loss of Use of One Limb requiring Prosthesis

31

Parkinson’s Disease

Moderately severe Parkinson’s Disease

-

32

Poliomyelitis

-

-

33

Primary Pulmonary Hypertension/ Pulmonary Arterial Hypertension

Early Pulmonary Hypertension

Secondary Pulmonary Hypertension

34

Progressive Scleroderma

Early Progressive Scleroderma

Progressive Scleroderma with CREST syndrome

35

Surgery to the Aorta

Minimally invasive surgery to Aorta or Large asymptomatic aortic aneurysm

-

36

Systemic Lupus Erythematosus with Lupus Nephritis

Mild Systemic Lupus Erythematosus

-

37

Viral Encephalitis

Viral Encephalitis with full recovery

Moderate Viral Encephalitis with full recovery

2. Laboratory Report
3. Clinical Abstract Application Form Download
4. Original Policy Document

 

Note:

  1. If Angioplasty and other Invasive Treatment for Coronary Artery, Cancer, Coronary Artery Disease Requring Surgery, Diabetic Complications or Heart Attack, at all severity levels, occurs 90 days from the date of issue of benefit or at the date of reinstatement, Crisis Cover Benefit will not be payable.
  2. For Crisis Cover Extra, Crisis Cover Provider, PRUmultiple crisis cover and Early Stage Crisis Cover claim, Life Assured must survive 7 days from the date of diagnosis for benefit to be payable.

 

1. Claim Form for different Special Medical Conditions and Juvenile Medical Conditions
1 Diabetic Complications Download
2 Osteoporosis with Fractures
3 Severe Rheumatoid Arthritis
4 Glomerulonephritis with Nephrotic Syndrome
5 Insulin Dependent Diabetes Mellitus
6 Osteogenesis Imperfecta
7 Still’s Disease
8 Hemophilia A and Hemophilia B
9 Kawasaki Disease with heart complications
10 Rheumatic Fever with valvular impairment
11 Wilson’s Disease
2. Laboratory Report
3. Clinical Abstract Application Form Download
4. Original Policy Document

5. Crisis Cover Kids Claim

1. Claim Form for different illnesses
1 Bone Marrow Transplant Download
2 Brain Surgery Download
3 Glomerulonephritis with Nephrotic Syndrome Download
4 Insulin Dependent Diabetes Mellitus Download
5 Kawasaki with Heart Complication Download
6 Leukaemia Download
7 Loss of Limbs Download
8 Major Head Trauma Download
9 Rheumatic Fever with Valvular Impairment Download
10 Severe Asthma Download
11 Severe Epilepsy Download
12 Severe Juvenile Rheumatoid Arthritis Download
2. Laboratory Report
3. Clinical Abstract Application Form Download

 

Note:

  1. For Crisis Cover Kids, life assured must survive 30 days from the date of diagnosis for benefits to be payable.

6. Female Benefit Claim

1. Claim Form for different illnesses / medical procedures
1  Female Illnesses/ Medical Procedures/ Reconstructive Surgery or Skin Grafting/ Support benefit
 
  • Systemic Lupus Erythematosus (SLE) with Lupus Nephritis
  • Rheumatoid Arthritis
  • Chronic Auto-immune Hepatitis
  • Osteoporosis requiring surgery or repair
  • Urinary incontinence requiring surgical repair
  • Uterine Prolapse
  • Pelvic relaxation requiring surgical repair
  • Thyroid disorders causing thyroid storm
  • Polycystic Ovarian Syndrome
Download
 
  • Complicated repair of a vaginal fistula
 
  • Facial reconstructive surgery due to an Accident
  • Skin grafting due to major burns
 
  • Hormone Replacement Therapy (due to other than Cancer)
  • Outpatient Psychiatric benefit
 
  • Malignant Cancer/ Choriocarcinoma
  • Carcinoma in situ of breast/ cervix uteri
Download
 
  • Radical vulvectomy required due to a malignant condition
  • Wertheim’s operation required due to a malignant condition
  • Total pelvic exenteration required due to a malignant condition
  • Hysterectomy required due to a malignant condition
  • Mastectomy required due to malignant condition
  • Bilateral/ unilateral breast Lumpectomy due to a malignant condition or carcinoma in situ
 
  • Breast reconstructive surgery following a Mastectomy
  • Skin grafting due to skin cancer
 
  • Oocyte Cryopreservation due to covered female cancers
  • Molecular Gene Expression Profiling Test for treatment Guidance
  • Hormone Replacement Therapy due to Cancer
  • Outpatient Psychiatric benefit
 2 Pregnancy Complication benefit
 
  • Disseminated Intravascular Coagulation       
  • Death of the foetus of the life assured after 195 days of pregnancy
  • Death of the child of the life assured within 28 days after birth        
  • Death of the life assured during delivery       
  • Hydatidiform Mole
  • Pre-Eclampsia or Eclampsia 
  • Fatty Liver of Pregnancy       
  • Postpartum Haemorrhage requiring a hysterectomy
  • Miscarriage due to an Accident
  • Antepartum Haemorrhage
  • Placenta Increta / Percreta
  • Uterine rupture
  • HELLP syndrome
  • Amniotic Fluid Embolism          
  • Abruptio Placentae       
Download
 3 Congenital Illnesses benefit
 
  • Down’s Syndrome
  • Spina Bifida
  • Tetralogy of Fallot
  • Transposition of the Great Vessels
  • Atrial Septal Defect
  • Absence of two limbs
  • Anal Atresia
  • Infantile Hydrocephalus
  • Cerebral Palsy
  • Ventricular Septal Defect
  • Club Foot
  • Congenital Dislocation of Hip
  • Congenital Blindness
  • Congenital Deafness
  • Trancheo-Esophageal Fistula or Esophageal Atresia
  • Patent Ductus Arteriosus
  • Cleft Palate / Cleft Lip and Palate
  • Congenital hypertrophic pyloric stenosis
  • Congenital Diaphragmatic Hernia
  • Retinopathy of Prematurity
  • Truncus Arteriosis
Download
4 Hospital Care benefit  
 
  • Incubation of newborn child for more than 3 consecutive days immediately following birth
  • Premature birth requiring neonatal ICU
  • Hospitalisation of child due to Hand, Foot, Mouth Disease
  • Hospitalisation of life assured’s child due to Zika
  • Hospitalisation of life assured (mother) due to Zika
Download
2. Laboratory Report
3. Clinical Abstract Application Form Download

7. Male Benefit Claim

1. Claim Form for different illnesses / medical procedures

1

 Male Illnesses

 

  • Malignant Cancer of the prostate/ testicle/ scrotum
  • Carcinoma in situ of the colon/ testicle/ penis

Download

 

  • Muscular Dystrophy

Download

 

  • Cardiomyopathy

Download

2

Medical Procedure

 

  • Heart Valve Surgery
  • Surgery of the Aorta
  • Percutaneous Valve Surgery

Download

 

  • Heart Transplant
  • Coronary Artery By-pass Surgery
  • Coronary Artery Atherectomy or Transmyocardial Laser Revascularisation or Enhanced External Counterpulsation  Device Insertion
  • Cardiac Pacemaker Insertion or Cardiac Defibrillator Insertion
  • Pericardectomy
  • Angioplasty and Other Invasive Treatment for Coronary Artery

Download

 

  • Surgical septal myomectomy to relieve left ventricular outflow tract (LVOT) obstruction in Hypertrophic Obstructive Cardiomyopathy
  • Renal angioplasty
  • Severe Benign Prostatic Hyperplasia and Early Prostate Cancer requiring Suprapubic Catheterisation
  • Testicular torsion requiring surgery; Acquired Peyronie’s disease requiring surgery; Orchiectomy for causes other than cancer
  • Severe gout

Download

 

  • Carotid Artery Surgery

Download

3

Reconstructive Surgery or Skin Grafting

 

  • Facial reconstructive surgery due to an Accident;
  • Skin grafting due to major burns;
  • Skin grafting due to skin cancer;
  • Open surgery for the removal of kidney stones

Download

4

Support Benefit

 

Physiotherapy due to an Accident

Download

2. Laboratory Report
3. Clinical Abstract Application Form Download

8. Personal Accident Benefit

1. Accidental Death Claim (see section on Death Claim)
2. Accidental Dismemberment 
 

a) Total disability (see section on Disability Claim)

 

b) Partial Disability

  i) Personal Accident Claim Form Download
  ii) Clinical Abstract Application Form Download
  iii) Police Report  
3. Weekly Income
 

a) Personal Accident Claim Form

Download
 

b) Medical Certificates for the absence of work (minimum 7 days)

  c) Clinical Abstract Application Form Download
  d) Police report
4. Medical Reimbursement
 

a) Personal Accident Claim Form

Download
 

b) Medical Bills

  c) Clinical Abstract Application Form Download
  d) Police report

9. Weekly Hospital Benefit/ Hospital Cash/ Medical Cash Benefit/ PRUMedical Cash

1. Hospitalisation Claim Form Download
2. Clinical Abstract Application Form Download
3. Hospitalisation Bills

 

Note:

  1. For Weekly Hospital Benefit, we do not pay if the confinement is within 6 weeks of the cover start date of this benefit or of the date of any reinstatement.
  2. For Hospital Cash Benefit, we do not pay for any illness which occurs within 30 days of the cover start date of this benefit or of the date of any reinstatement or which occurs while the life assured is age 2 and below.

10. Surgical & Nursing Loan Benefit

This benefit is an interest free loan to pay for medical expenses incurred as a result of a surgical operation performed on the life assured.

1. Surgical & Nursing Loan Form Download
2. Medical Bills or Receipts
3. Clinical Abstract Application Form Download

 

Note:

  1. Exclusion: dental treatment, pregnancy related illness, cosmetic purpose or Aids related

11. PRUParent Benefit Claims

1. Death
 

a) Please follow the requirements under Death Claim

2. Hospital Room and Board
  a) PRUParent Benefit Claim Form Download
  b) Clinical Abstract Application Form Download
  c) Original Hospital Bills
  d) Accidental/ HB/ Surgical Procedure Medical Report (if necessary) Download
3. Surgical Procedure
  a) PRUParent Benefit Claim Form Download
  b) Clinical Abstract Application Form Download
  c) Original Hospital Bills
  d) Accidental/ HB/ Surgical Procedure Medical Report (if necessary) Download
4. Long Term Care
  a) PRUParent Benefit Claim Form Download
  b) Clinical Abstract Application Form Download
  c) Long Term Care Benefit Assessment Report Download

12. Unemployment Cover Claims

1. Unemployment Cover Claim Form Download
2. Original Retrenchment letter from the employer 
3. Original Employment letter from the employer

13. PRUHospital Income Claim Form

1. PRUHospital Income Claim Form Download
2. Clinical Abstract Application Form Download
3. Original Hospital Bills
4. Medical Certificates
5. Accidental/ HB/ Surgical Procedure Medical Report Download

14. PRUShield & PRUextra/extra Lite Claim

All claims on Inpatient, Day Surgery and Outpatient Hospital Benefits (e.g Outpatient Cancer Treatment, Outpatient Renal Failure Treatment, Approved Immunosuppressant Drugs) have to be submitted through electronic submission by completing the Claim Form for Medisave-Approved Integrated Plan at the hospitals or clinics.

Please click here for the list of Medical Institutions participating in MediShield Life Scheme for electronic submission.

As the PRUShield Foreigner plan is not integrated with the reformed Basic MediShield, submission of the claim has to be via manual submission, not electronic submission as hospitals would not have any records of the foreigner Life Assured.

To see the list of the medical institutions participating in MediShield Life Scheme, click here.

 

1. PRUShield Claim Form (Manual Submission) and Specialist Doctor Report Download
2. Original final hospital bill, tax invoice and receipt
3. Clinical Abstract Application Form Download
4. Copy of passport showing the life assured's personal particulars
5. Copy of eligible valid pass of the life assured

This benefit will only be considered for Life Assured who requires Inpatient Hospital treatment as a result of Emergency Medical Treatment while overseas.

 

1. PRUShield Claim Form (Manual Submission) and Specialist Doctor Report Download
2. Original final hospital bill, tax invoice and receipt
3. Clinical Abstract Application Form Download
4. Copy of passport showing the life assured’s personal particulars (only for foreigner)
5. Copy of eligible valid pass of the life assured (only for foreigner)

We pay for inpatient hospitalisation or day surgery expenses incurred by the life assured in selected Hospitals in Malaysia.

The life assured must obtain referral from either of these two healthcare providers for approved overseas hospitalisation as covered by Medisave: (1) Health Management International (HMI) or (2) Parkway Holdings Pte Ltd.

 

1. PRUShield Claim Form (Manual Submission) and Specialist Doctor Report Download
2. Original final hospital bill, tax invoice and receipt
3. Referral memo from referral centre at HMI Balestier Clinic or Parkway East Hospital
4. Clinical Abstract Application Form Download
5. Copy of passport showing the life assured’s personal particulars (only for foreigner)
6. Copy of eligible valid pass of the life assured (only for foreigner)

 

Below is the list of Partnering Hospitals with the respective healthcare providers.

 

  Health Management International (HMI) Parkway Holdings Pte Ltd
Referral Centre

Balestier Clinic

Tel: +65 6334 7283

Parkway East Hospital

Tel: +65 6340 8694

List of Partnering Hospitals in Malaysia
  1. Regency Specialist Hospital (Johor)
  2. Makhota Medical Centre (Malacca)
  1. Pantai Hospital KL
  2. Pantai Hospital Cheras (KL)
  3. Pantai Hospital Ampang (KL)
  4. Pantai Hospital Klang (Selangor)
  5. Pantai Hospital Ipoh
  6. Pantai Hospital Ayer Keroh
  7. Pantai Hospital Penang
  8. Pantai Hospital Batu Pahat (Johor)
  9. Pantai Hospital Sungai Petani (Kedah)
  10. Gleneagles Intan Medical Centres (KL)
  11. Gleneagles Hospital, KL
  12. Gleneagles Medical Centre (Penang)

 

The list of approved healthcare providers is subject to any change made on the covered healthcare providers for approved oversesas hospitalisation by Medisave. We reserve the right to review and change the list as required from time to time.

Pre-hospitalisation Consultation and Services has to be incurred within 180 days* before the Life Assured is confined to hospital.

Post-hospitalisation Follow-up Treatment and Services has to be incurred within 365 days* following discharge from hospital.

 

1. PRUShield Pre and Post-hospitalisation Benefit Claim Form Download
2. Original final hospital bill, tax invoice and receipt
3. Clinical Abstract Application Form Download
4. Referral memo from last General Practitioner who referred the life assured to a Specialist.

 

* Please refer to your policy booklet for entitlement of Pre and Post-Hospitalisation benefit.

If the death of the life assured occurred within 30 days following discharge from the hospital as a result of same cause of hospitalisation, we will waive the deductible and co-insurance amount up to maximum limit as set out in the Benefits Schedule.

If the portion of the deductible and co-insurance has been fully paid under the PRUextra claim, the Final Expense Benefit claim will not be eligible as the life assured’s family cannot be indemnified for more than what has been incurred for the hospitalisation.

 

1. Death Claim Claimant's Statement Download
2. Original final hospital bill, tax invoice and receipt
3. Death certificate issued by the relevant authority
4. Copy of the identification documents of the claimant
5. Evidence that the person is entitled to receive the payment. (e.g birth certificate, marriage certificate, the deceased’s last will, Letter of Administration or Probate, Trust Deed etc.)

PRUextra or extra Lite is a plan which complements the coverage offered by Main PRUShield policy. You only need to file claim for deductible/co-insurance if they are not processed together with your main PRUShield claim.

 

1. PRUextra/ PRUextra Lite Claim Form Download
2. Original final hospital bill, tax invoice and receipt
3. Clinical Abstract Application Form Download

 

For Special appliances & Prosthesis benefit under PRUextra plan, please substantiate the claim with doctor’s memo stating the reason of such purchase.This benefit is not available for PRUextra Lite plan.

For Post-Hospitalisation Follow-up TCM treatment under PRUextra plan, the following is the approved TCM medical institutions valid as of 01 May 17. This benefit is not available for PRUextra Lite plan.

  • 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 the above list as required from time to time. We advise that you check the list before consulting the clinic.

You can only file this claim if your organ transplant benefit claim has been approved by Prudential.

 

1. PRUShield Claim Form (Manual Submission) and Specialist Doctor Report Download
2. Copy of identification documents of living organ donor
3. Original final hospital bill, tax invoice and receipt of living organ donor

15. PRUFracture Care Claim

1. PRUFracture Care Claim Form Download
2. Clinical Abstract Application Form Download
3. Laboratory Report (e.g. x-ray report, MRI/ CT scan report, Operation report)
  For a claim on Mobility Aid benefit
4. Original medical bills and receipts (if claim is on Mobility Aid benefit)
5. Written prescription from the life assured's medical practitioner for the purchase of the mobility aid (if the claim is on Mobility Aid benefit)
  For a claim on House Fitting benefit
6. Copy of medical certificate indicating the period of disability
7. Original tax invoice for the House Fitting Expenses
8. Written certification from the life assured's medical practitioner from rehabilitative services or such similar professional recommending that House Fitting is reasonably necessary
  For a claim on Recovery benefit
9. Copy of the hospital confinement bill

 

Note:

X-ray report is a mandatory requirement for a claim on fracture benefit.