PRUShield
Enjoy an easier, faster sign up
From now until 30 June 2023, eligible customers can sign up for PRUShield with simplified underwriting questions instead of a full health questionnaire. To be eligible, customers must have an existing non-Prudential Shield plan with no pre-existing conditions and must apply and submit applications electronically.
T&Cs apply.
From now until 30 June 2023, eligible customers can sign up for PRUShield with simplified underwriting questions instead of a full health questionnaire. To be eligible, customers must have an existing non-Prudential Shield plan with no pre-existing conditions and must apply and submit applications electronically.
What is PRUShield?
PRUShield is a MediSave-approved Integrated Shield Plan that goes beyond providing access to affordable and quality healthcare. It's about ensuring peace of mind for you and your loved ones.
Designed to complement your MediShield Life (for Singaporeans and Permanent Residents), PRUShield offers the option to pay your premiums with your Medisave (up to the Additional Withdrawal Limits). PRUShield is also available for foreigners, as a private health insurance plan.
Learn more about the recent PRUShield benefit changes and premium adjustments.
Key Benefits of Integrated Shield Plan
Better Insurance Coverage
Better Savings
Better Healthcare Experience
Complement PRUShield with PRUExtra
Additional benefits for PRUExtra Premier CoPay and PRUExtra Preferred CoPay customers
PRUPanel Connect
Enjoy a cashless1 and hassle-free experience at a selected panel of private and restructured hospitals, with a dedicated concierge service.
Regular health screenings and early intervention help reduce the risk of serious health complications. Select from our list of comprehensive health screening packages curated for you through PRUPanel Connect value added services. You can opt to visit a clinic near you or a home-based health screening provided by our health care partners.
PRUWell Reward
Claims-based pricing rewards you for staying healthy. Enjoy 20% off your renewal premium if there’s no claim during the review period on your PRUExtra Premier CoPay and PRUExtra Preferred CoPay.
Useful Tools and Information
Check out these quick links
Simplifying Your Healthcare Journey
We believe planning your healthcare should be simple.
Choosing what you need should not take more than 4 clicks.
Your health services preference
First, let's understand your needs.
What level of health services are you looking for?
Your comfort level What is your preference level for privacy?
Your share of medical bill Would you like to pay for additional coverage on your deductibles and co-insurance
Our value adds
What best describes your preference
for health services?
Private hospital access
What level of private hospital access
would you like to enjoy?
Your share of medical bill Would you like to pay for additional coverage on your deductibles and co-insurance
Your share of medical bill Do you prefer wider coverage on deductible amount?
Your share of medical bill Would you like to pay for additional coverage on your deductibles and co-insurance
Based on your needs,
the recommended product is:.......
PRUShield Standard
Covers B1 ward in public hospitals and below.
PRUShield Premier
Covers standard rooms in private hospitals
and all public hospitals.
PRUShield Plus
Covers A ward in public hospitals and below.
PRUExtra Plus CoPay
Further lowers your out-of-pocket expenses* at public hospitals
PRUShield Plus
Covers A ward in public hospitals and below.
PRUShield Premier
Covers standard rooms in private
hospitals and all public hospitals.
PRUExtra Premier Lite CoPay
- Basic, no-frills private hospital option to further lower part of your out-of-pocket expenses* at all private and public hospitals in Singapore
- Very competitive premiums
PRUShield Premier
Covers standard rooms in private and all public hospitals.
PRUExtra Premier CoPay
- ”Best of the best" option to further lower your out-of-pocket expenses* at all private and public hospitals in Singapore
- Value-added services including cashless hospitalisation and concierge services
- The highest premium solution for your protection needs
PRUShield Premier
Covers standard rooms in private and all public hospitals.
PRUExtra Preferred CoPay
- ”Value-for-money" option to further lower your out-of-pocket expenses* at selected private hospitals and all public hospitals in Singapore, at a more affordable rate
- Value-added services including cashless hospitalisation and concierge services
PRUShield Plus
Covers A ward in public hospitals and below.
PRUExtra Plus Lite CoPay
Further lowers your out-of-pocket expenses* at public hospitals
PRUShield Premier
Covers standard rooms in private and all public hospitals
PRUExtra Premier Lite CoPay
Further lowers your out-of-pocket expenses* at all private and public hospitals in Singapore
Important information
We’ve got you covered for COVID-19
- PRUShield Coverage for Unvaccinated COVID-19 Patients
If you are unvaccinated against COVID-19 and are hospitalised for COVID-19 related illnesses, you will receive cover on your PRUShield Plan, subject to the standard Terms & Conditions of the PRUShield policy.
- Hospitalisation Cover for COVID-19 Patients
All Singaporeans, Permanent Residents and Long-term Pass Holders, who travelled out of Singapore, including countries with Vaccinated Travel Lanes (VTLs), and are hospitalised for symptoms for COVID-19 within 14 days of their return, will receive cover on their PRUShield Plan for COVID-19 treatment received on and after 20 October 2020 onwards.
For more information, please refer to point no, 22 on the announcement from MOH and the FAQ.
If you travelled out of Singapore from 20 October 2020 and are hospitalised overseas due to COVID-19 infection, you will receive PRUShield coverage under Emergency Medical Treatment outside Singapore benefit. This is subject to the standard Terms & Conditions of the PRUShield policy. Day surgery and outpatient treatment are not covered.
For businesses, our Group Medical Plan covers medical costs related to the Coronavirus Disease 2019 (COVID-19), subject to the terms and conditions of your plan.
- Hospitalisation Cover for Adverse Effects of COVID-19 Vaccination
Effective 13 January 2021, PRUShield plans will provide coverage for policyholders who are hospitalised due to adverse effects from COVID-19 vaccinations, provided it is authorised by the Singapore Health Sciences Authority and administered on the recommendation of a registered medical practitioner duly licensed by Singapore Medical Council.
From 17 June 2021, PRUShield plans will also cover adverse effects from COVID-19 vaccines administered under the Special Access Route (SAR). Coverage will be provided for COVID-19 vaccinations under the Special Access Route (SAR) until 31 December 2022.
This supports the national COVID-19 vaccination strategy, including the recommendation to vaccinate all medically eligible persons residing in Singapore, although vaccination should remain voluntary.
For Daily Hospital Cash Benefit, Coverage for Telemedicine and more information, please refer to our FAQ or speak to your Financial Consultant or call our PRUCustomer Line at 1800 333 0 333 for assistance.
Coverage of Cancer Drug Treatment and Cancer Drug Service
The Ministry of Health (MOH) has released new guidelines on the cancer drug treatments that can be covered by Integrated Shield Plans. As part of efforts to reduce the cost of cancer drug treatment and keep premiums sustainable in the long-term, MOH has developed a Cancer Drug List (CDL). The CDL comprises clinically proven and more cost-effective cancer drug treatments (i.e., drugs paired with specified clinical indications, dosage form & strength, for which the drugs can be administered).
From 1 September 2022, only cancer drug treatment that are listed on the CDL and administered as per the CDL will be claimable from MediShield Life (MSHL) and MediSave (MSV). For Integrated Shield Plans (including PRUShield), the same change will take effect for policies renewed or purchased on or after 1 April 2023.
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 S$150,000 coverage on selected cancer drug treatments not listed per the CDL.
The CDL is published on MOH’s website at https://go.gov.sg/moh-cancerdruglist and currently covers most cancer drug treatments approved by the Health Sciences Authority (HSA). MOH will update it every few months to keep up with medical advancements and the latest clinical evidence.
With these changes, your policy’s Outpatient Cancer Treatment benefit will be replaced with 2 new benefits; Cancer Drug Treatment benefit and Cancer Drug Services benefit; for policies renewed or purchased on or after 1 April 2023.
- 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. Selected outpatient cancer drug treatments beyond the CDL will be claimable under riders. If you are currently undergoing cancer treatment, please consult your doctor early on whether your treatment is on the CDL.
- 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, treatment preparation and administration, supportive care drugs and blood transfusions, will be claimable under the Cancer Drug Services benefit, up to specified claims limits.
Changes will apply to PRUShield Premier, PRUShield Plus, PRUShield Standard Plans and PRUExtra riders. For details on:
- Revised Claims Limit
- Multiple Cancer Drug Claims Limits and
- Support Available for Patients Undergoing Cancer Treatment
Please refer to our https://www.prudential.com.sg/prushield-changes
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.
List of kidney dialysis centre eligible for waiver of pro-ration
PRUShield Plus: There will be no pro-ration for outpatient kidney dialysis treatments performed at National Kidney Foundation (NKF) and Kidney Dialysis Foundation (KDF).
Footnotes
Additional Notes
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. PRUExtra premiums cannot be paid by MediSave. Prudential guarantees lifetime coverage for PRUShield and PRUExtra inforce policies.
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 first premium) on cover start date and each policy anniversary date (for renewable premium).
This is a non-participating plan and the nature of PRUShield and PRUExtra is different from life or endowment products as it has no surrender value.
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 product brochures, the English version shall prevail.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy 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 web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
In the event that the policy is not suitable, the client may cancel the policy by making a written request to Prudential within the 21-day free look period. Prudential will refund any premiums paid, less medical fees, other expenses incurred and any outstanding amounts owed in connection with the policy.
Information is correct as at 1 April 2023.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
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How to buy health insurance online?
PRUShield is available for purchase online. Simply get an instant quote and complete the purchase in a fuss-free manner.
PRUShield Simplified Issuance Offer T&Cs
Eligible customers get to enjoy an easier and faster sign-up for PRUShield with simplified underwriting questions instead of filling out a full health questionnaire.
Eligible customers include Singaporeans and Permanent Residents with an Integrated Shield Plan or foreigners with a non-Integrated Shield Plan from non-Prudential insurers when they apply and submit their plans electronically from now till 30 June 2023.
