PRUExtra
A supplementary plan that gives you that little added extra. Complement your PRUShield plan to enjoy even greater coverage.
What is PRUExtra?
Gives you peace of mind with up to 95%1 coverage by complementing your main health insurance PRUShield plan, so you can focus on recovery. Check out our affordable premiums with one of the lowest out-of-pocket3 expenses.
Selected plans offer a fairer pricing approach with claims-based pricing, which rewards and encourages healthy living.
Learn more about the recent PRUExtra benefit changes and premium adjustments.
Visit PRUPanel Connect website to find out more on the launch of the Extended panel and the eligible PRUExtra Riders.
Key Benefits
Extensive coverage
Greater flexibility
Choose coverage that suits your needs and budget.
PRUWell Reward
20% PRUWell Reward2 on the PRUExtra Supplementary plan if there’s no claim during review period.
PRUExtra Supplementary Plans
PRUExtra Premier CoPay
Covers 95% of your Deductibles+ and 50% of your Co-insurance++ at all Singapore private hospitals, with a S$3,000 annual limit on out-of-pocket3 expenses if you go to a Panel Provider*. Your renewal premium is subject to claims-based pricing. The supplementary plan comes with access to PRUPanel Connect and can be added to PRUShield Premier only.
PRUExtra Preferred CoPay
Covers 95% of your Deductibles+ and 50% of your Co-insurance++ at Singapore private and Restructured hospitals under Prudential's listings#, with a S$3,000 annual limit on out-of-pocket3 expenses if you go to a Panel Provider*. Your renewal premium is subject to claims-based pricing. The supplementary plan comes with access to PRUPanel Connect and can be added to PRUShield Premier only.
PRUExtra Premier Lite CoPay
Covers 50% of your Deductibles+ (up to S$1,750 per policy year) and 50% of your Co-insurance++ at all Singapore Private and Restructured Hospitals, with a S$3,000 annual limit on out-of-pocket3 expenses if you go to a Panel Provider*. Can be added to PRUShield Premier only.
PRUExtra Plus CoPay
Covers 95% of your Deductibles+ and 50% of your Co-insurance++ at all Singapore Restructured Hospitals (up to Class A ward), with a S$3,000 annual limit on out-of-pocket3 expenses if you go to a Panel Provider*. Can be added to PRUShield Plus only.
PRUExtra Plus Lite CoPay
Covers 50% of your Deductibles+ (subject to S$1,750 per policy year) and 50% of your Co-insurance++ at all Singapore Restructured Hospitals (up to Class A ward), with a S$3,000 annual limit on out-of-pocket3 expenses if you go to a Panel Provider*. Can be added to PRUShield Plus only.
Useful Tools and Information
Important Information
Footnotes
1Only applicable for PRUExtra Premier CoPay, PRUExtra Preferred CoPay and PRUExtra Plus CoPay.
2Enjoy PRUWell Reward, a 20% savings on standard premium when the policy is incepted with no exclusions. If the premium level is at standard at the last policy renewal date and no claims were made during the review period, a PRUWell reward of 20% savings will apply at the next policy renewal date. PRUWell Reward is only applicable for PRUExtra Premier CoPay and PRUExtra Preferred CoPay.
3Out-of-pocket are expenses you need to make under the Deductible, Co-insurance and Co-payment features, which will not exceed the sum of S$3,000 per policy year if your hospital confinement is with one of the Panel providers*.
#Prudential listings including Panel* and Non-panel providers.
+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.++Co-insurance is a percentage of the claimable amount that a policyowner needs to co-pay after deductible.
*List of Panel and Non-Panel Providers
Panel Providers include:
- All Private Registered Medical Practitioners/Specialists, Private Hospitals and Private Treatment Centres listed on the PRUPanel Connect website.
- All Restructured Hospitals and Treatment Centres.
Note: PRUPanel Connect value-added services are applicable for all under (1) and a selected number of Restructured Hospitals and Medical Practitioners/Specialists under (2), all of which are listed on the PRUPanel Connect website.
Non-Panel Providers are:
- Non-participating specialists under Raffles Hospital
- Non-participating specialists under Mount Alvernia Hospital
- Non-participating specialists under Private Treatment Centres listed on PRUPanel Connect Website.
- Parkway East Hospital
- Thomson Medical Centre
- Medical Institutions categorized as Day Surgery Centres, Dialysis Centres and Oncology Clinics under the list of MediShield Institutions Participating in MediShield Life Scheme. Please refer to CPFB Website here.
‘No Access’ can be described as:
Under the PRUExtra Preferred CoPay plan, if a private hospital or private medical institution is not listed under either Panel or Non-Panel, the claim will not be admissible.
Please refer to the policy document for more information.
We reserve the right to change this Panel or Non-Panel list from time to time.
Additional Notes
PRUShield is a yearly renewable plan. Prudential guarantees lifetime coverage for PRUShield and PRUExtra inforce policies.
PRUExtra premiums cannot be paid by Medisave.
We reserve the right to vary the policy benefits, features, conditions, and/or name at any time by giving 30 days’ written notice to the policy owner before doing so.
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 policy owner 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).
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.
This is a non-participating plan and the nature of PRUShield and PRUExtra are different from life or endowment products as it has no surrender value.
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 product brochures, the English version shall prevail.
These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policies is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
Information is correct as at 1 January 2023.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
