What is Extended Panel (EP)?

Extended Panel (EP) is an initiative by the Multilateral Healthcare Insurance Committee (MHIC), which is appointed by the Ministry of Health (MOH), to allow integrated Shield Plan (IP) insurers to recognise each other’s panel doctors mutually. Under the EP, you may enjoy selected panel benefits when seeking pre-authorised treatments from specialists that are not on our panel, as long as they are on other Integrated Shield Plan insurers panels, follow our fee schedule and meet our pre-authorisation terms and conditions. This provides policyholders a wider choice of specialists and supports better continuity of care for patients.

Refer to the Extended Panel FAQs

Who is Eligible for Extended Panel (EP)?

  • PRUExtra Premier Care New
  • PRUExtra Preferred Care New
  • PRUExtra Premier
  • PRUExtra Premier CoPay
  • PRUExtra Preferred CoPay
  • PRUExtra Premier Lite
  • PRUExtra Premier Lite CoPay
  • PRUExtra Plus Care New
  • PRUExtra Plus CoPay
  • PRUExtra Plus Lite
  • PRUExtra Plus Lite CoPay

Extended Panel Benefits

Choose your plan type and the Panel/Non-Panel Healthcare Institution (HI) from the dropdown

I have
  • PRUExtra Premier Care
  • PRUExtra Preferred Care
  • PRUExtra Plus Care
  • PRUExtra Premier CoPay
  • PRUExtra Preferred CoPay
  • PRUExtra Premier Lite CoPay
  • PRUExtra Plus CoPay
  • PRUExtra Plus Lite CoPay
  • PRUExtra Premier
  • PRUExtra Premier Lite
  • PRUExtra Plus Lite
and I plan to seek treatment from a
  • EP specialist (Panel HI)
  • EP specialist (Non-Panel HI)
  • EP specialist (No Access HI)
  • Non-EP Specialist
  • EP specialist (Panel HI) refers to an EP specialist where hospitalisation, surgery and/or treatments are carried out at our Panel HI.
  • EP specialist (Non-Panel HI) refers to an EP specialist where hospitalisation, surgery and/or treatments are carried out at our Non-Panel HI.
  • EP specialist (No Access HI) refers to an EP specialist where hospitalisation, surgery and/or treatments are carried out at our No Access HI.
  • Non-EP Specialist refers to a Non-Extended Panel specialist where hospitalisation, surgery and/or treatments are carried out at any HI.
List of Panel and Non-Panel Provider
Pre-Authorisation

Yes

Stop Loss

Yes – $6,000 (excl. deductible)

Claims Based Pricing Impact

Remains on the same level

Cashless

Yes

Deductible Covered

$3,500 and below - No / Above $3,500* - 95%

$2,000 out of pocket expense

NA

Appointment Booking

Yes

Transport Benefit

Yes

Pre-Authorisation

Yes

Stop Loss

Yes – $6,000 (excl. deductible)

Claims Based Pricing Impact

Yes, increase up to 2 levels

Cashless

No

Deductible Covered

$3,500 and below - No / Above $3,500* - 95%

$2,000 out of pocket expense

NA

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

No

Stop Loss

No

Claims Based Pricing Impact

Yes, increase up to 2 levels

Cashless

No

Deductible Covered

No

$2,000 out of pocket expense

NA

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

Yes

Stop Loss

Yes – $6,000 (excl. deductible)

Claims Based Pricing Impact

NA

Cashless

Yes

Deductible Covered

$3,500 and below - No / Above $3,500* - 95%

$2,000 out of pocket expense

NA

Appointment Booking

Yes

Transport Benefit

Yes

Pre-Authorisation

Yes

Stop Loss

Yes – $6,000 (excl. deductible)

Claims Based Pricing Impact

NA

Cashless

No

Deductible Covered

$3,500 and below - No / Above $3,500* - 95%

$2,000 out of pocket expense

NA

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

No

Stop Loss

NA

Claims Based Pricing Impact

NA - Claims will be not admissible

Cashless

No

Deductible Covered

No

$2,000 out of pocket expense

NA

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

No

Stop Loss

NA

Claims Based Pricing Impact

NA

Cashless

No

Deductible Covered

No

$2,000 out of pocket expense

NA

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

Yes

Stop Loss

Yes – $6,000 (excl. deductible)

Claims Based Pricing Impact

NA

Cashless

No

Deductible Covered

$3,500 and below - No / Above $3,500* - 95%

$2,000 out of pocket expense

NA

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

Yes

Stop Loss

Yes – $6,000 (excl. deductible)

Claims Based Pricing Impact

NA

Cashless

No

Deductible Covered

$3,500 and below - No / Above $3,500* - 95%

$2,000 out of pocket expense

NA

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

No

Stop Loss

NA

Claims Based Pricing Impact

NA

Cashless

No

Deductible Covered

No

$2,000 out of pocket expense

NA

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

Yes

Stop Loss

Yes - $3,000

Claims Based Pricing Impact

Remains on the same level

Cashless

Yes

Deductible Covered

95%

$2,000 out of pocket expense

No

Appointment Booking

Yes

Transport Benefit

Yes

Pre-Authorisation

Yes

Stop Loss

Yes - $3,000

Claims Based Pricing Impact

Yes, increase up to 4 levels

Cashless

No

Deductible Covered

95%

$2,000 out of pocket expense

No

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

No

Stop Loss

No

Claims Based Pricing Impact

Yes, increase up to 4 levels

Cashless

No

Deductible Covered

95% above $2000

$2,000 out of pocket expense

Yes

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

Yes

Stop Loss

Yes - $3,000

Claims Based Pricing Impact

Remains on the same level

Cashless

Yes

Deductible Covered

95%

$2,000 out of pocket expense

No

Appointment Booking

Yes

Transport Benefit

Yes

Pre-Authorisation

Yes

Stop Loss

Yes - $3,000

Claims Based Pricing Impact

Yes, increase up to 4 levels

Cashless

No

Deductible Covered

95%

$2,000 out of pocket expense

No

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

No

Stop Loss

No

Claims Based Pricing Impact

NA - Claims will be not admissible

Cashless

No

Deductible Covered

No

$2,000 out of pocket expense

No

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

No

Stop Loss

No

Claims Based Pricing Impact

Yes, increase up to 4 levels

Cashless

No

Deductible Covered

95% above $2000

$2,000 out of pocket expense

Yes

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

Yes

Stop Loss

Yes - $3,000

Claims Based Pricing Impact

NA

Cashless

No

Deductible Covered

50%, capped at $1750

$2,000 out of pocket expense

No

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

Yes

Stop Loss

Yes - $3,000

Claims Based Pricing Impact

NA

Cashless

No

Deductible Covered

50%, capped at $1750

$2,000 out of pocket expense

No

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

No

Stop Loss

No

Claims Based Pricing Impact

NA

Cashless

No

Deductible Covered

No

$2,000 out of pocket expense

Yes - up to $5250

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

Yes

Stop Loss

Yes - $3,000

Claims Based Pricing Impact

NA

Cashless

No

Deductible Covered

95%

$2,000 out of pocket expense

No

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

Yes

Stop Loss

Yes - $3,000

Claims Based Pricing Impact

NA

Cashless

No

Deductible Covered

95%

$2,000 out of pocket expense

No

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

No

Stop Loss

No

Claims Based Pricing Impact

NA

Cashless

No

Deductible Covered

95%

$2,000 out of pocket expense

No

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

Yes

Stop Loss

Yes - $3,000

Claims Based Pricing Impact

NA

Cashless

No

Deductible Covered

50%, capped at $1750

$2,000 out of pocket expense

No

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

Yes

Stop Loss

Yes - $3,000

Claims Based Pricing Impact

NA

Cashless

No

Deductible Covered

50%, capped at $1750

$2,000 out of pocket expense

No

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

No

Stop Loss

No

Claims Based Pricing Impact

NA

Cashless

No

Deductible Covered

No

$2,000 out of pocket expense

Yes - up to $5250

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

Yes

Stop Loss

NA

Claims Based Pricing Impact

Remains on the same level

Cashless

Yes

Deductible Covered

100%

$2,000 out of pocket expense

No

Appointment Booking

Yes

Transport Benefit

Yes

Pre-Authorisation

Yes

Stop Loss

NA

Claims Based Pricing Impact

Yes, increase up to 4 levels

Cashless

No

Deductible Covered

100%

$2,000 out of pocket expense

No

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

No

Stop Loss

NA

Claims Based Pricing Impact

Yes, increase up to 4 levels

Cashless

No

Deductible Covered

100% above $2000

$2,000 out of pocket expense

Yes

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

Yes

Stop Loss

NA

Claims Based Pricing Impact

NA

Cashless

No

Deductible Covered

50%, capped at $1750

$2,000 out of pocket expense

No

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

Yes

Stop Loss

NA

Claims Based Pricing Impact

NA

Cashless

No

Deductible Covered

50%, capped at $1750

$2,000 out of pocket expense

No

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

No

Stop Loss

NA

Claims Based Pricing Impact

NA

Cashless

No

Deductible Covered

No

$2,000 out of pocket expense

Yes - up to $5250

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

Yes

Stop Loss

NA

Claims Based Pricing Impact

NA

Cashless

No

Deductible Covered

50%, capped at $1750

$2,000 out of pocket expense

No

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

Yes

Stop Loss

NA

Claims Based Pricing Impact

NA

Cashless

No

Deductible Covered

50%, capped at $1750

$2,000 out of pocket expense

No

Appointment Booking

No

Transport Benefit

No

Pre-Authorisation

No

Stop Loss

NA

Claims Based Pricing Impact

NA

Cashless

No

Deductible Covered

No

$2,000 out of pocket expense

No

Appointment Booking

No

Transport Benefit

No

* Deductible is a fixed amount that the policyholder is liable for before any PRUShield benefits are payable. Deductible will increase by 50% and exceed $3,500 depending on ward class when the Life Assured is above age 85.

Did you know?

Pre-Authorisation is mandatory for all Extended Panel Claims and all PRUShield policyholders can submit a Pre-Authorisation request. For all enquiries, please email to pre.auth@prudential.com.sg

Request for Pre-Authorisation

Frequently Asked Questions

Extended Panel (EP) is an initiative by the Multilateral Healthcare Insurance Committee (MHIC), which is appointed by the Ministry of Health (MOH), to allow integrated Shield Plan (IP) insurers to recognise each other’s panel doctors mutually. Under the EP, you may enjoy selected panel benefits when seeking pre-authorised treatments from specialists that are not on our panel, as long as they are on other Integrated Shield Plan insurers’ panels, follow our fee schedule, and meets our pre-authorisation terms and conditions. This provides policyholders a wider choice of doctors and supports better continuity of care for patients.

Extended Panel (EP) is launched to customers with a PRUExtra plan on 7 June 2022.

Extended Panel (EP) is currently available for customers who have the following PRUExtra Supplementary plans:

  • PRUExtra Premier Care
  • PRUExtra Preferred Care
  • PRUExtra Premier
  • PRUExtra Premier CoPay
  • PRUExtra Preferred CoPay
  • PRUExtra Premier Lite
  • PRUExtra Premier Lite CoPay
  • PRUExtra Plus Care
  • PRUExtra Plus CoPay
  • PRUExtra Plus Lite
  • PRUExtra Plus Lite CoPay

A specialist qualifies as an Extended Panel (EP) specialist if he or she meets all of the following conditions:

  • is on the main panel of another IP insurer
  • has obtained pre-authorisation approval from us,
  • follows our fee schedule, and
  • meets pre-authorisation terms and conditions

 

The Extended Panel (EP) initiative gives Prudential’s customers even more options to seek treatment from specialists they prefer, even if the chosen specialists are not on Prudential’s panel, as long as the chosen specialists are on the main panel of another Integrated Shield Plan (IP) insurer.

When you choose to seek a pre-authorised treatment with an EP specialist, you can continue to enjoy selected panel benefits that comes with your plan. The benefits will differ based on the plan you have and whether the EP specialist provides the treatment at our Partner Healthcare Institution (Hospital or treatment centre) or not.

Benefits for PRUExtra Premier Care and PRUExtra Preferred Care Customers when using an EP

Here is a comparison of the benefits you enjoy when your EP specialist provides treatment at our PRUPanel Connect (PPC) Partner Healthcare Institution vs non-PRUPanel Connect (PPC) Partner Healthcare Institution.

For a list of PRUPanel Connect (PPC) Partner Healthcare Institution, visit https://www.prudential.com.sg/ppc

 

BenefitsTreatment at PRUPanel Connect (PPC) Partner Healthcare InstitutionTreatment at non- PRUPanel Connect (PPC) Healthcare Institution
Pre-Authorisation of Claim✔✔
$6,000 (excluding PRUShield's deductible) stop-loss per Policy Year✔✔
Remains on the same level under the Claims-based pricing approach*✔✘
Cashless medical treatment with a higher Letter of Guarantee amount✔✘
Value added services (i.e. concierge, transport, appointment booking)✔✘

 

* Claims-based pricing approach is not applicable for PRUExtra Preferred Care

 

Important Note: If you choose to seek treatment from a specialist who is not on Prudential’s Panel and also not an EP specialist, or if the specialist has not obtained the pre-authorisation before an admission/day surgery, you will not be able to enjoy the benefits listed above. For PRUExtra Preferred Care, the above benefits are not applicable for Private Hospitals and medical institutions under “No Access”.

 

Benefits for PRUExtra Plus Care Customers when using an EP

Here is a comparison of the benefits you enjoy when your EP specialist provides treatment at our PRUPanel Connect (PPC) Partner Healthcare Institution vs non-PRUPanel Connect (PPC) Partner Healthcare Institution.

For a list of PRUPanel Connect (PPC) Partner Healthcare Institution, visit https://www.prudential.com.sg/ppc

 

BenefitsTreatment at PRUPanel Connect (PPC) Partner Healthcare InstitutionTreatment at non- PRUPanel Connect (PPC) Healthcare Institution
Pre-Authorisation of Claim✔✔
$6,000 (excluding PRUShield's deductible) stop-loss per Policy Year✔✔

 

Important Note: If you choose to seek treatment from a specialist who is not on Prudential’s Panel and also not an EP specialist, or if the specialist has not obtained the pre-authorisation before an admission/day surgery, you will not be able to enjoy the benefits listed above.

 

Benefits for PRUExtra Premier, PRUExtra Premier CoPay and PRUExtra Preferred CoPay Customers when using an EP

Here is a comparison of the benefits you enjoy when your EP specialist provides treatment at our PRUPanel Connect (PPC) Partner Healthcare Institution vs non-PRUPanel Connect (PPC) Partner Healthcare Institution.

For a list of PRUPanel Connect (PPC) Partner Healthcare Institution, visit https://www.prudential.com.sg/ppc

 

BenefitsTreatment at PRUPanel Connect (PPC) Partner Healthcare InstitutionTreatment at non- PRUPanel Connect (PPC) Healthcare Institution
Pre-Authorisation of Claim✔✔
$3,000 stop-loss per Policy Year for CoPay riders✔✔
No additional out-of-pocket expense^✔✔
Remains on the same level under the Claims-based pricing approach*✔✘
Cashless medical treatment with a higher Letter of Guarantee amount✔✘
Value added services (i.e. concierge, transport, appointment booking)✔✘

 

^The benefit payout of PRUExtra plans varies based on the source of claims. Claims made through providers outside our panel will result in higher out-of-pocket expenses for policyholders. For instance, PRUExtra Premier CoPay and PRUExtra Preferred CoPay will only cover 95% of the deductible amount exceeding $2,000 for claims made through providers outside our panel. For more details, please refer to the brochure.

 

Important Note: If you choose to seek treatment from a specialist who is not on Prudential’s Panel and also not an EP specialist, or if the specialist has not obtained the pre-authorisation before an admission/day surgery, you will not be able to enjoy the benefits listed above. For PRUExtra Preferred CoPay, the above benefits are not applicable for Private Hospitals and medical institutions under “No Access”.

 

Benefits for PRUExtra Plus CoPay, PRUExtra Premier Lite CoPay and PRUExtra Plus Lite CoPay Customers when using an EP

Here is a comparison of the benefits you enjoy when your EP specialist provides treatment at our PRUPanel Connect (PPC) Partner Healthcare Institution vs non-PRUPanel Connect (PPC) Partner Healthcare Institution.

For a list of PRUPanel Connect (PPC) Partner Healthcare Institution, visit https://www.prudential.com.sg/ppc

 

BenefitsTreatment at PRUPanel Connect (PPC) Partner Healthcare InstitutionTreatment at non- PRUPanel Connect (PPC) Healthcare Institution
Pre-Authorisation of Claim✔✔
$3,000 stop-loss per Policy Year for CoPay riders✔✔
No additional out-of-pocket expense^✔✔

 

^The benefit payout of PRUExtra plans varies based on the source of claims. Claims made through providers outside our panel will result in higher out-of-pocket expenses for policyholders. For instance, PRUExtra Premier CoPay and PRUExtra Preferred CoPay will only cover 95% of the deductible amount exceeding $2,000 for claims made through providers outside our panel. For more details, please refer to the brochure.

 

Important Note: If you choose to seek treatment from a specialist who is not on Prudential’s Panel and also not an EP specialist, or if the specialist has not obtained the pre-authorisation before an admission/day surgery, you will not be able to enjoy the benefits listed above.

 

Benefits for PRUExtra Premier Lite and PRUExtra Plus Lite Customers when using an EP

Here is a comparison of the benefits you enjoy when your EP specialist provides treatment at our PRUPanel Connect (PPC) Partner Healthcare Institution vs non-PRUPanel Connect (PPC) Partner Healthcare Institution.

For a list of PRUPanel Connect (PPC) Partner Healthcare Institution, visit https://www.prudential.com.sg/ppc

 

BenefitsTreatment at PRUPanel Connect (PPC) Partner Healthcare InstitutionTreatment at non- PRUPanel Connect (PPC) Healthcare Institution
Pre-Authorisation of Claim✔✔
No additional out-of-pocket expense^✔✔

 

^The benefit payout of PRUExtra plans varies based on the source of claims. Claims made through providers outside our panel will result in higher out-of-pocket expenses for policyholders. For instance, PRUExtra Premier CoPay and PRUExtra Preferred CoPay will only cover 95% of the deductible amount exceeding $2,000 for claims made through providers outside our panel. For more details, please refer to the brochure.

 

Important Note: If you choose to seek treatment from a specialist who is not on Prudential’s Panel and also not an EP specialist, or if the specialist has not obtained the pre-authorisation before an admission/day surgery, you will not be able to enjoy the benefits listed above.

 

No, it is not compulsory. However, you will not be able to enjoy the benefits of being treated by an EP specialist if you choose to seek treatment from a specialist who is not on Prudential's Panel and also not an EP specialist.

 

Prudential does not require specialists to submit an application to be a part of our Extended Panel. As long as the specialist meets all the conditions of an EP specialist, he or she is deemed as an EP specialist.

 

EP Specialists may treat Prudential policyholders at any PPC or non-PPC Healthcare Institution. However, do note that benefits when using an Extended Panel may vary for PPC and non-PPC Healthcare Institutions. Please refer to the benefits of being treated by an EP specialist for a comparison.

 

Once you have selected your specialist, you are required to submit a Pre-authorisation request online to your attending specialist via PRUServices. Selected extended panel benefits are only available if the EP specialist has obtained pre-authorisation approval from Prudential and all terms and conditions of Pre-authorisation are met.

 

To be eligible for panel benefits under the EP, it is mandatory to seek treatment from a specialist that meets our terms and conditions.

Step 1: Specialist to book a date with the Healthcare Institution for the treatment.

Step 2: Submit a pre-authorisation request to Prudential via Pre-authorisation portal (upon the pre-authorisation request that has been initiated by policyholder via PRUServices).

Step 3: Prudential processes the pre-authorisation request. The EP Specialist must meet our terms and conditions, including any specialist’s fees upon Prudential approval.

Step 4: E-File claim directly through Healthcare Institution as per terms on the basis of which the pre-authorisation certificate was granted.

If all the above criteria are met and the claim is approved, the claim would be granted panel benefits when using an Extended Panel.

 

Depending on the complexity, we will require between 1 - 3 working days from the date we receive the Pre-authorisation request from your treating doctor / Healthcare Institution. In case further clarification is required, we may take longer to review the request.

 

We will issue a Certificate of Pre-authorisation upon approval. Please note that any changes or discrepancy to the information provided during the pre-authorisation process without our knowledge and prior approval to the changes would render your Pre-authorisation request invalid.

 

Generally, we decline pre-authorisation requests due to policy exclusions, outstanding premiums or inadequate medical information necessary for assessing the pre-authorisation request.

 

The hospital has absolute discretion in determining whether a deposit is still required, even with the approved certificate of pre-authorisation.

 

If you are switching from a non-EP specialist to an EP specialist (within the same Policy Year) and have claimed from PRUShield prior to the switch to an EP specialist, you will be eligible for the stop-loss benefit but not eligible for remain same level under the Claims-based pricing approach.

Within the same Policy YearTreatment at PPC Healthcare InstitutionTreatment at a non-PPC Healthcare Institution
First Claim:
Non-EP specialist
(Before, on or after 7 Jun 2022)		No Stop-Loss
Subject to Claims-based pricing
Second Claim:
EP specialist
(On or after 7 Jun 2022)		Stop-Loss applies
Subject to Claims-based pricing

 

Yes, all admissions will have to be at a PRUPanel Connect Partner Healthcare Institution in order for you to enjoy the 1 level limit increase due to claims-based pricing.

 

EP benefits are applicable only for inpatient hospitalisation, day surgery claims, and pre- and post-hospitalisation claims where the main inpatient or day surgery claim has been approved as an EP case. All EP benefits except for $3000 stop-loss do not apply to outpatient treatments.

 

No, EP panel benefits will only be granted when your treatment at an EP is pre-authorised, follow our fee schedules and meet pre-authorisation terms and conditions at the point of claim. Please note that a specialist may opt not to activate EP, depending on the case.