PRUshield

Stay on top of rising healthcare costs with greater protection

Ensure you and your loved ones always enjoy comprehensive care for a thorough and speedy recovery. PRUshield can complement MediShield Life and provide you with extensive coverage for medical and hospitalisation bills without having to worry about rising medical cost. You will also have the flexibility to choose between private and public hospitals, ward classes and doctors for better peace of mind.

PRUshield is a Medisave-approved plan1, which means that you have the option to pay your premiums using your Medisave2.

If you are a foreigner, PRUshield ensures extensive medical coverage and protection no matter how far you are away from home. You and your loved ones will have affordable and extensive medical care as Singapore becomes your home.

Key Benefits*

  • High annual coverage of up to $1.2 million for medical treatment
  • Provides a wide choice of private and public hospitals, ward classes and doctors
  • Pre-Hospitalisation coverage for up to 180 days before confinement or day surgery, and Post-Hospitalisation coverage for up to 365 days after confinement or day surgery
  • Guaranteed renewability of plan for a lifetime coverage
  • No medical underwriting3 required to purchase a new plan for significant life events

 

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English Brochure

Chinese Brochure

 


Are you a Public Service Officer or
staff of Selected Companies?

Enjoy PRUshield with a 10%4 discount off yours and
your family’s premiums5 for the first year.


Highlights

PRUshield Annual Coverage - Health Insurance

Up to S$1.2 million for medical treatment

PRUshield Pre and Post Hospitalisation Coverage - Health Insurance

Pre-Hospitalisation coverage up to 180 days and Post-Hospitalisation coverage up to 365 days

PRUshield Guaranteed Renewability - Health Insurance

For a lifetime coverage

PRUshield No Medical Underwriting - Health Insurance

No medical underwriting required to purchase a new plan for significant life events3

Product Details

Product Type

Medical

Payment Term

Yearly Renewable

Policy Term

Whole of Life

Issuance Age

Policyowner: 19 to 99 Age Next Birthday

Life Assured: 1 Month to 75 Age Next Birthday

Life Assured (Foreigners): 1 Month to 55 Age Next Birthday

Limits

Not Applicable

Choice of plans to match your needs

Choose from three different plans for the coverage you require. PRUshield Premier and PRUshield Plus gives you extensive coverage on hospitalisation and surgical expenses on an ‘as charged’ basis. Alternatively, Singaporeans and Permanent Residents of Singapore can opt for PRUshield Standard Plan for basic coverage.

 

Benefits of PRUshield Plus and PRUshield Standard Plan

 

Benefits of PRUshield Premier

 

4  Deductible 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.
5  Co-insurance is a percentage of the claimable amount that a policyowner needs to co-pay on top of the Deductible.
6  We will pay for a planned hospitalisation or surgical (including day surgery) treatment incurred by the life assured/ patient at an overseas hospital subject to the life assured/patient having referrals from an approved Medisave-accredited institution/referral centre in Singapore. The overseas hospital must have an approved working arrangement with the Medisave-accredited institution/referral centre in Singapore.


Please note: To confirm the countries and respective hospitals where treatment would be allowed for, please contact an approved Medisave-accredited institution/referral centre in Singapore.

 

 

 

 

 

 

 

 

1  The table shows the breakdown of premiums for a standard life under the plan type. A standard life is a life assured who, at point of proposal, does not have any pre-existing conditions.
2  Singaporeans or Permanent Residents of Singapore can utilise their Medisave to pay for their dependants who are foreigners, equivalent to the sum of the MediShield Life premium and the Additional Withdrawal Limits.
3  The MediShield Life premiums may differ depending on the premium subsidies, premium rebates and whether the customer needs to pay for the Additional Premiums. The net MediShield Life premium payable after accounting for these is fully payable by Medisave.
4  This column is not applicable if the customer is paying the full premiums in cash.
5  Maximum entry age is 55 next birthday for the life assured who is a foreigner. Premiums shown are for renewal only.
6  Maximum entry age is 75 next birthday for the life assured who is a Singaporean or Permanent Resident of Singapore. Premiums shown are for renewal only.
7  If you are a foreigner whose plan does not have a MediShield Life portion, your payer may wish to utilise an equivalent amount of Medisave to pay your premiums.
8  For the life assured who is a foreigner, the monthly payment mode for PRUextra is only available if the main PRUshield is paid using the policyowners’ Medisave account.
9  If you are a foreigner whose plan does not have a MediShield Life portion and you have a Medisave account, you may wish to utilise an equivalent amount of Medisave to pay your premiums.

 

Footnotes:

  1. If 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 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.
  2. Premiums 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.
  3. This benefit is only applicable to PRUshield Premier and PRUshield Plus plans 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 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.

* Terms and conditions apply.

Note:

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 1st 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.

Information is correct as at 1 December 2017.

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