PRUShield
 

Important Notice for all PRUShield Customers


Changes in 2023

A. GST Adjustments

Premiums for Integrated Shield Plans (including PRUShield) are inclusive of prevailing GST charges. Please note that GST will be adjusted from 7% to 8% in 2023 and 9% in 2024. Your premium amount will be adjusted accordingly.

B. Cancer Drug List and Update of PRUShield Benefits (Effective from 1 April 2023)

The Ministry of Health (MOH) has released new guidelines on the cancer drugs that can be covered by insurance. As part of efforts to reduce the cost of cancer drugs and treatment available to the public, MOH has developed a Cancer Drug List (CDL). The CDL comprises of clinically proven and more cost-effective cancer drugs with specified clinical indications, dosage form & strength, for which the drugs can be administered.

From 1 September 2022, only cancer drugs that are listed on the CDL and administered as per the CDL will be claimable from Government subsidies, MediShield Life (MSHL) and MediSave (MSV). For Integrated Shield Plans (including PRUShield), the same change will take effect from 1 April 2023, or upon renewal, whichever is later.

If a cancer drug treatment is not listed or not administered exactly as described in the CDL, it will not be claimable. However, customers with a PRUExtra rider will still receive up to $50,000 coverage on selected cancer drug treatments not listed per the CDL, depending on their plan type.

The CDL is published on MOH’s website at https://www.moh.gov.sg/home/our-healthcare-system/medishield-life/what-is-medishield-life/what-medishield-life-benefits/cancer-drug-list and currently covers almost all cancer treatments approved by the Health Sciences Authority (HSA).

With the changes above, your policy’s Outpatient Chemotherapy benefit will be replaced with 2 new benefits, the Cancer Drug Treatment benefit and the Cancer Drug Services benefit, when you renew your policy.

  1. Cancer Drug Treatment benefit – Only cancer drug treatments administered as specified on the CDL will be claimable under your Policy, up to the treatment-specific claim limits. Please consult a doctor on whether a proposed treatment is on the CDL.
  2. Cancer Drug Services benefit – Services that are part of a cancer drug treatment (including treatments not on the CDL), such as consultations, scans, lab investigations, chemotherapy preparation and administration, supportive care drugs and blood transfusions, will be claimable under the Cancer Drug Services benefit, up to specified claims limits.

C. Enhanced Benefits for PRUShield Plus

  1. Waiver of Pro-Ration for Selected Outpatient Kidney Dialysis Treatment – As part of our ongoing efforts to improve our products, we are pleased to inform you that with immediate effect, there will be no pro-ration for outpatient kidney dialysis treatments performed at National Kidney Foundation (NKF) and Kidney Dialysis Foundation (KDF).

For more information on the changes to PRUShield Premier, PRUShield Plus, PRUExtra riders and PRUShield Standard Plan, you may refer to the Frequently Asked Questions.


Changes Effective April 2022

1. PRUShield Premier and Plus Changes

A. New Benefits (Effective 1 April 2022)

In keeping up to date with medical advancements and the latest approved medical treatments, Prudential is introducing the following benefits to our PRUShield Premier and Plus plans:

  • Refresh your Policy Year Limit for a different inpatient medical condition when the current policy has reached its Policy Year Limit.
  • Cover congenital conditions for the biological child of a female life assured from birth when congenital abnormalities are diagnosed within the first 24 months (claim limit applies).

B. Enhancement of Existing Benefits (Effective 1 April 2022)

Besides new benefits, we will be enhancing the following existing benefits:

  • Cover Pre-and Post-hospitalisation expenses for Short Stay Ward in a Singapore Restructured Hospital, with a minimum duration of 6 hours.
  • Cover Pre- and Post-hospitalisation expenses for Psychiatric Treatment, in addition to Inpatient Psychiatric Treatment (claim limit applies).
  • Increase in claim limits for Psychiatric Treatment.

C. Premium Adjustments (Renewal from 1 April 2022)

For renewal starting from 1 April 2022, there will be an upward revision in premiums for customers whose Age Next Birthday is 1 to 70.


2. PRUExtra Riders Changes

A. New Benefits (Effective 1 April 2022)

We are also introducing the following benefits to our PRUExtra Premier CoPay, PRUExtra Plus CoPay, PRUExtra Premier, and PRUExtra Plus plans:

  • Cover Postpartum Outpatient Psychiatric Treatment for up to 12 months from childbirth (claim limit applies).
  • Cover Autism Test for children below the age of 5 (claim limit applies).
  • Cover Recurrent Miscarriage investigation for insured customers who suffered three or more miscarriages (claim limit applies).

B. Enhancement of Existing Benefits (Effective 1 April 2022)

Besides new benefits, we will be enhancing the following existing benefits:

  • Increase in number of TCM clinics for Post-Hospitalisation Follow-up from 17 clinics to 31 clinics.
  • Increase in claim limits for Immediate Family Member’s Accommodation with Child benefit.

C. Premium Adjustments (Renewal from 1 April 2022)

For renewal starting from 1 April 2022, there will be an upward revision in premiums for PRUExtra Premier, PRUExtra Premier Lite and PRUExtra Plus for customers whose Age Next Birthday is 1 to 70.

There is no premium increase for CoPay Riders.


3. PRUShield Standard Plan Changes

A. New Benefits (Renewal from 1 April 2022)

In response to new requirements from the Ministry of Health (MOH), we will be introducing new benefits for your PRUShield Standard Plan. The new benefits will apply to all Standard Integrated Shield Plans in Singapore and include coverage such as:

  • General and Specialised Inpatient Palliative Care Service
  • Continuation of Autologous Bone Marrow Transplant Treatment for Multiple Myeloma

B. Enhancement of Existing Benefits (Effective 1 April 2022)

We will also be increasing policy year limits (claim limit applies) for selected benefits under Daily Ward and Treatment Charges, Surgical Procedures, Outpatient treatment, etc.

For more information on the changes to PRUShield Premier and Plus, PRUExtra riders and PRUShield Standard Plan, please check the Frequently Asked Questions.