The plan that gives you more ways to look after your healthcare and hospitalisation needs.
As part of a national-wide initiative to make the cost of healthcare in Singapore more affordable in the long run, first-dollar cover for new Integrated Shield Plans (IPs) will be phased out. In March 2018, the Ministry of Health (MOH) announced that all integrated Shield Plan (IP) riders for new policyholders must incorporate co-payment features by 1 April 2019.
Covers 95% of your Deductible and half of your Co-insurance, with a S$3,000 annual limit on out-of-pocket expenses if you go to a panel provider++. Your renewal premium is subject to claims-based pricing.What is claims-based pricing?
With a PRUExtra Premier CoPay plan, you will start off at the Standard Level Premium, the lowest of your age band. You also enjoy the PRUwell Reward, a 20% savings on your Standard Level Premium when your policy is incepted with no exclusions. Each year, your premium level will be determined by any previous claims you made during the review period. As long as you stay healthy, with no claims made on your PRUExtra Premier CoPay plan, you will continue to enjoy the PRUwell Reward on your Standard Level Premium at your next policy renewal.
Enjoy more comprehensive coverage when you complement your PRUShield plans with PRUExtra plans.
|For Private Hospital Base Plan (PRUShield Premier)||For Restructured Hospital Base Plan (PRUShield Plus)|
|Plan||PRUExtra Premier CoPay||PRUExtra Premier Lite CoPay||PRUExtra Plus CoPay|
|Hospital / Ward Types||Singapore Private Hospital||Singapore Private Hospital||Singapore Restructured Hospital (Class A Ward)|
|PRUShield’s Deductible Amount (Per policy year)||95% of PRUShield Premier’s deductible amount
Customer will cover the remaining 5%
|50% of PRUShield Premier’s deductible amount
Customer will cover 50%, subject to a maximum of S$1,750 per policy year
|95% of PRUShield Plus’s deductible amount
Customer will cover the remaining 5%
|PRUShield’s Co-insurance: 10%*||Half of PRUShield Premier’s co-insurance amount
Customer will cover the remaining half
|Half of PRUShield Premier’s co-insurance amount
Customer will cover the remaining half
|Half of PRUShield Plus’s co-insurance amount
Customer will cover the remaining half
|Stop Loss (Per policy year)+||S$3,000 for Panel Providers++||S$3,000 for Panel Providers++||S$3,000 for Panel Providers++|
|Accident & Emergency Ambulance Fee^||S$250 per injury or illness||S$250 per injury or illness||S$150 per injury or illness|
|Immediate Family Member’s Accommodation with Child^||S$60 per day||N.A.||S$30 per day|
|Post-Hospitalisation Follow-up Traditional Chinese Medicine^||S$6,000 per policy year||N.A.||S$3,000 per policy year^^|
|Emergency Outpatient Treatment due to an Accident^||S$3,000 per policy year||N.A.||S$2,000 per policy year|
|Special Appliances and Prosthesis^||S$3,000 per policy year||N.A.||S$2,000 per policy year|
|Disability Waiver Benefit||Waives 36 months of future premiums# upon diagnosis of Total and Permanent Disability before age 70||N.A.||N.A.|
* Co-insurance is a percentage of the claimable amount that a policyowner needs to co-pay after the Deductible.
+ Stop-Loss refers to the total out-of-pocket 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++. However, any amount that you pay that is above any of the benefit’s maximum limit will not add towards the annual stop-loss amount. If your PRUShield Plus plan and/or PRUExtra Plus CoPay is subject to Pro-ration then the out-of-pocket expenses paid due to the pro-ration will not add towards the annual stop-loss amount.
++ Panel providers are all the Singapore Restructured Hospitals. We reserve the right to update the list of panel providers from time to time.
^ You need to co-pay 5% of the expenses incurred before we make any payment to you, subject to the benefit limit as listed in the Benefits Schedule. Any expenses above the benefit limit as listed in the Benefits Schedule should also be borne by you. If your PRUShield Plus plan is subject to Pro-ration then the 5% co-payment will be based on the amount after the Pro-ration has been applied.
^^ Post-Hospitalisation Follow-up Traditional Chinese Medicine (TCM) Treatment by a Registered TCM Practitioner in a Singapore Hospital, Community Hospital or approved TCM medical institution incurred within 365 days after confinement or day surgery.
# Only waives the premiums for PRUExtra Premier CoPay. The premiums for PRUShield Premier continue to be payable.
PRUShield is a yearly renewable plan. Prudential guarantees lifetime coverage for PRUShield and PRUExtra.
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 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.
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 web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
Information is correct as at 22 Aug 2019.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Accident & Emergency Ambulance Fee
We will reimburse, subject to the benefit limits, the charges incurred for Medically Necessary Accident & Emergency ambulance services to the Hospital, provided that the life assured is admitted for Hospital Confinement, for treatment of an Injury or illness. This will be subject to the maximum limit per illness or Injury as set out in the Benefits Schedule above.
Immediate Family Member’s Accommodation with Child
We will reimburse, subject to the benefit limits, the accommodation charges incurred by an immediate family member of a life assured (child under age 18), where the life assured is treated for an Injury or illness at a Hospital as an Inpatient.
Immediate family members are the life assured’s father, mother, guardian, brother or sister.
The benefit shall reimburse:
Post-Hospitalisation Follow-up Traditional Chinese Medicine
We pay for, subject to the benefit limits, the Post-hospitalisation expenses incurred for Traditional Chinese Medicine (“TCM”) Treatment, by a Registered TCM Practitioner1 in a Singapore Hospital, Community Hospital or approved TCM medical institutions, that is within 365 days following the life assured’s discharge from Hospital Confinement or day surgery for treatment of the same Injury or illness up to the limit as set out in the Benefits Schedule above.
The list of approved TCM medical institutions can be found on our website www.prudential.com.sg. We reserve the right to change the approved TCM medical institutions as required, from time to time.
1A Registered TCM Practitioner is someone who is an active registered practitioner practising in Singapore and holds a full registration with the Traditional Chinese Medicine Practitioners Board (“TCMPB”), is governed by the Traditional Chinese Medicine Practitioners Act (Cap. 333A) but excludes a Registered TCM practitioner who is the life assured/policyowner or the spouse, relative or employee of the life assured/policyowner.
The TCMPB is a statutory board under the charge of the Ministry of Health. It was first established on 7 February 2001 under the Traditional Chinese Medicine Practitioners Act 2000.
If the Inpatient hospitalisation or day surgery claim under your Main PRUShield plan for the same illness or Injury is subject to Pro-ration, then this benefit will also be subject to Pro-ration.
Emergency Outpatient Treatment due to an Accident
We will reimburse, subject to the benefit limits, the charges incurred by the life assured for emergency outpatient treatment in the Accident and Emergency (“A&E”) or outpatient department of a Hospital in Singapore, received within 24 hours of sustaining injuries from an Accident. We will reimburse the Reasonable and Customary Expenses incurred, subject to the limits for each Policy Year as set out in the Benefits Schedule above.
An Accident is an event caused by violent, external and visible means and caused solely and independently of any other means.
Outpatient treatment in a Registered Medical Practitioner’s clinic or Specialist clinics and follow-up treatment after the A&E outpatient visit (e.g. referral for physiotherapy) will not be covered.
If your plan is PRUExtra Plus, then the bills from Private Hospitals will be pro-rated at 65%. Pro-ration factors are applied to reduce Inpatient, day surgery hospital bills, Pre and Post-hospitalisation expenses and Emergency Outpatient Treatment charges due to an Accident, in higher-class wards or private Hospitals (as classified by the Ministry of Health) in the claims computation to suit the lower plan.
Special Appliances and Prosthesis
We will pay for, subject to the benefit limits, Post-hospitalisation expenses incurred for any prosthesis, braces (excluding dental braces), artificial limbs or medical appliances provided they are:
If the life assured becomes Totally and Permanently Disabled, we waive 36 months’ premiums of your PRUExtra Premier CoPay, from the next premium due date following the date of Disability and before the life assured turns 70 years old.
Premium payment will resume after the 36-month premium waiver period.
Definition of Totally and Permanently Disabled:
For a life assured between the ages of 28 days and 15 years old, we waive 36 months of future premiums when the life assured is totally and irrecoverably disabled as a result of which the life assured is confined to a home, Hospital or other institution requiring constant care and medical attention for at least 6 consecutive months.
For a life assured between the ages of 16 and 65 years old, we waive 36 months of future premiums when the life assured is totally and irrecoverably disabled as a result of which the life assured:
For a life assured between the age of 66 years and before the Policy Anniversary before the life assured turns 70 years old, we waive 36 months of future premiums when the life assured is totally and irrecoverably disabled as a result of which the life assured:
suffers total and irrecoverable loss of use of: both eyes;