IMPORTANT NOTICE: Our Prudential Customer Service Centre on the 1st Floor of Marina One, East Tower will be opened by appointment only, from 2 June 2020. To ensure your safety, we have put safe management measures in place. For more information on COVID-19 relief measures please click here.

IMPORTANT NOTICE: Prudential announced the roll out of PRUCare Package to provide cash benefits for those quarantined or hospitalised due to the COVID-19, as well as aid for SMEs whose businesses are affected by the disease. Find out more

COVID-19 (CORONAVIRUS DISEASE 2019) Update: Our PRUPanel Connect Concierge services in Raffles Hospital and Mount Alvernia Hospital have also been temporarily suspended until further notice.

PRUACCESS: In accordance with PDPC's Advisory Guidelines on the PDPA for NRIC and other National Identification numbers, we will no longer be using NRIC/passport numbers/FIN for login purposes from 1 Aug 2019. If you have yet to create a user ID, please click here.

LIA Critical Illnesses (CI) Framework 2019 : In accordance to LIA Critical Illness (CI) Framework 2019, Prudential Singapore’s policies purchased from 20 August 2020 will adhere to the updated list of critical illnesses definitions. For more information, speak to your Prudential Financial Consultant today.

 

It's about time we make healthcare simple

 

Healthcare can get really complicated: Do we have sufficient coverage? Will we be able to get the right treatments? Where do we even start?

At Prudential, we believe that healthcare should be simple. Our solution? PRUShield

We prepare for the unexpected so you don’t have to. We keep the process fuss-free so you can focus on recovery. We take care of the complicated so staying healthy can be easy for you.

We believe taking care of your health should be simple. PRUShield is designed to keep it that way.

 

 

 

Find out what PRUShield plans suit you

Prudential’s suite of PRUShield^ and supplementary plans complement MediShield Life by providing you with a more comprehensive medical coverage with options that suit your budget and healthcare needs. Most importantly, helping you to focus on your recovery by easing your financial burden.


Find out what you need with this 1-minute guide.

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 Do you prefer to pay more now so that you pay lesser later?

 

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 Do you prefer to pay more now so that you pay lesser later?

 
 

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

We Do Simple Promotion (Ended)

From now until 30 June 2020, get rewarded for getting coverage for you and your loved one.

Purchase any PRUShield or PRUExtra plan and enjoy 25% off on your first-year premium* during this limited period.

Plus, ensure that you have sufficient protection coverage for you and your family and stand to receive vouchers worth up to 25% of your first-year premium*. You can choose between NTUC FairPrice e-gift card, Dairy Farm e-vouchers, or Al-Futtaim Retail Asia gift vouchers.

 

Eligible Insurance Medical Plans

Discount on First-Year Premium
PRUShield Premier
PRUShield Plus
PRUShield Standard Plan
PRUExtra Premier CoPay
PRUExtra Preferred CoPay *New*
PRUExtra Premier Lite CoPay
PRUExtra Plus CoPay

25%

 

 

Eligible Insurance Protection Plans

Minimum Sum Assured1

 Vouchers (expressed as a % of first-year premium2)

All Customers 

Exclusively for Ascend and Opus
by Prudential Customers Paying
Annual Premiums3

PRUActive Life4 
PRULife Multiplier Flex 

S$250,000

5%

15%

S$500,000

10%

20%
 PRUTriple Protect 

S$150,000

5% 

15%
S$250,000   10%  20%

PRUMortgage
PRUMortgage Refund 

S$600,000

10%

20%

S$1,200,000

15%

25%

 

Download Brochure    


Get In Touch

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Are you a EU resident individual?
By submitting this form, I confirm that I have read, understood and given my consent

Or give us a call: 1800 333 0333

Footnotes

^PRUShield is a both a private health insurance plan and a MediSave-approved Integrated Shield Plan. All Singaporeans or Permanent Residents (PR) of Singaporeans are eligible for MediShield Life provided by the Central Provident Fund Board (CPFB). For Singaporean and PR customers, PRUShield is available as an Integrated Shield Plan made up of MediShield Life and an additional private insurance provided by Prudential. Customers have the option to pay for their premiums using MediSave. Premiums paid through MediSave are subject to MediSave withdrawal limits. Please refer to the Ministry of Health's website at www.moh.gov.sg for details. For foreigners with an Eligible Valid Pass, PRUShield is NOT available as Integrated Shield Plan. Please refer to the PRUShield Product Summary for the definition of an Eligible Valid Pass.

*Terms and Conditions apply. 

1Sum Assured is defined as the sum assured of the basic plan only, except for PRUActive Life and PRULife Multiplier Flex where it includes the multiplied coverage. Please refer to PRUActive Life and PRULife Multiplier Flex website for more information. 

2Voucher value is based on the first-year premium that includes the premium for the basic policy and supplementary benefit(s). First-year premium is the total premium due from a policy in its maiden year. The shopping vouchers value is fixed as a % of first-year premium. For example, if a customer meets the minimum sum assured criteria, qualifying for a 10% reward and paying a premium of $3,000, he/she will receive $300 shopping vouchers.

3The Ascend and Opus by Prudential customers discount includes the additional 10% vouchers on top of the 'All Customer' discount, based on the first-year premiums. It is applicable only if premiums are paid on an annual basis.

4Applicable for purchase of PRUActive Life bundled under PRUFirst Promise

For more information, speak to your Prudential Financial Consultant or visit the respective product webpages on www.prudential.com.sg.

Terms and Conditions of We Do Simple Promotion (“Promotion”)

A.  Promotion Details 

1.  Definitions:

(a) “Prudential” means Prudential Assurance Company Singapore (Pte) Limited.

(b) “Promotion Period” means the period between 1 April 2020 and 30 June 2020 (both dates inclusive).

(c) “Eligible Customer” means policyholders whose proposal for any Eligible Insurance Medical Plan and/or Eligible Insurance Protection Plan is submitted to and incepted by Prudential during the Promotion Period.

(d) “Eligible Insurance Medical Plan” means any of the products as stated in the Promotion Table above.

(e) “Eligible Insurance Protection Plan” means any of the products meeting the criteria as stated in the Promotion Table above.

(f) “Discount” means 25% off first-year premium.

(g) “Reward” means gift vouchers with amounts expressed as the percentage of first-year premium as stated in the Promotion Table above redeemable from participating merchants such as NTUC FairPrice e-gift card, Dairy Farm e-voucher and Al-Futtaim Retail Asia Gift Voucher. Please note that these merchants are subject to change.

(h) “Promotion Table”means the table above.

2.  Eligibility 

In order to be eligible for the Promotion, the Eligible Customer has to satisfy the following requirements during the Promotion Period in order to receive the Discount and/or Reward (as defined in the Promotion Table);

(a) If the Eligible Customer’s proposal for any Eligible Insurance Medical Plan and/or Eligible Insurance Protection Plan is submitted to Prudential and incepted by Prudential during the Promotion Period.

(b) This Promotion is valid for all premium payment modes (monthly, quarterly, bi-annual and annual).

(c) Ascend by Prudential and Opus by Prudential customers enjoy an additional 10% of reward value expressed as a percentage of first-year premium for any Eligible Insurance Protection Plan submitted and incepted by Prudential during the Promotion Period. To enjoy the additional reward, first-year premium of the Eligible Insurance Protection Plan must be paid on an annual basis.

(d) This Promotion is valid for purchases made through a Prudential Financial Consultant only.

3.  Discount

(a) If the Eligible Customer is a Singaporean or Permanent Resident of Singapore, PRUShield Premier, PRUShield Plus and PRUShield Standard Plan are available as an Integrated Shield Plan (“IP”) made up of MediShield Life provided by the Central Provident Fund Board and additional private insurance provided by Prudential. The Discount is applicable to Prudential’s portion of the IP premium only.

(b) Foreigners who purchased any of the Eligible Insurance Medical Plan through Prudential Corporate Website between 1 April 2020 and 15 April 2020 (both dates inclusive) will enjoy the Discount on a refund basis. The discounted premium amount will be refunded by cheque or credit card.

(c) The Discount in this promotion shall be on a ‘per-policy’ basis (subject to the terms and conditions of this Promotion), there shall be no restrictions on the number of Discount transactions an Eligible Customer can enjoy.

(d) This Promotion is not applicable to Mid-Term Adjustments (MTA) cases for foreigners, i.e. foreigners who already has a PRUShield Base Plan and would like to add on a PRUExtra Supplementary Plan.

(e) This Promotion is not applicable should the Eligible Insurance Medical Plan be cancelled within the fourteen (14) day free-look period. The premium amount refunded will be based on the premium amount paid by the Eligible Customer.

4.  Reward

(a) An Eligible Customer is entitled to receive a Reward in accordance with the Promotion table above.

(b) Each Eligible Customer will be entitled to a maximum of one (1) Reward per life assured per Eligible Insurance Protection Plan.

5.  Reward Redemption

Prudential will issue a SMS, Email or Mail (“Redemption Notification”) to each Eligible Customer three (3) months after the policy is incepted provided that the Eligible Customer’s Eligible Insurance Protection Plans purchased during the Promotion Period are in force as at the date of the Redemption Notification. Eligible Customers shall be solely responsible for ensuring that they provide Prudential with a valid phone number or email address for the purpose of redemption. The Eligible Customer agrees and accepts that Prudential will not be responsible for any consequences arising from his/her failure to provide Prudential with a true, complete and accurate phone number or email address and/or notify Prudential of any change(s) to his/her phone number and email address. Reward must be redeemed within two (2) months from the date of Redemption Notification. If an Eligible Customer fails to claim his/her Reward within the stipulated redemption period in the Redemption Notification, his/her Reward will be forfeited, and the Eligible Customer shall not have any claim against Prudential for such forfeiture. Further details of the redemption procedures will be set out in the Redemption Notification.


B.  General Terms and Conditions

1. By participating in the Promotion, each Eligible Customer is deemed to have accepted and agreed to be bound by these terms and conditions contained herein and any other instructions, terms and conditions that Prudential may issue from time to time.

2. Prudential assumes no responsibility for incomplete, lost, late, damaged, illegible or misdirected forms or email communication, for technical hardware or software failures of any kind, lost or unavailable network connections, or failed incomplete, garbled or delayed electronic transmission which may limit an Eligible Customer’s ability to participate in the Promotion.

3. Prudential has the sole and absolute discretion to exclude any Eligible Customer from participating in the Promotion without any obligation to furnish notice and/or reason.

4. Prudential reserves the right to disqualify or disregard any Eligible Customer who does not comply with the terms and conditions contained herein.

5. Prudential may at its discretion forfeit the Discount/Reward, or, if already awarded, reclaim the Discount/Reward at the expense of the Eligible Customer without payment, compensation, or having to give any reason whatsoever in the event Prudential subsequently discovers that the Eligible Customer is not eligible to participate in the Promotion and/or to receive the Discount/Reward.

6. Rewards are subject to availability while stocks last. Prudential reserves the right to replace any Discounts/Rewards with items of similar value at any time without prior notice.

7. Prudential shall not be liable for any loss of, damage to, defects, delay, mis-delivery or non-delivery of the Discount/Reward.

8. Prudential reserves the right to deal with any unclaimed Discount/Reward in any manner it deems fit. Prudential reserves the right to request for the Eligible Customers’ proof of eligibility, identity and/or otherwise for the purposes of verifying the Eligible Customer’s claim to the Discount/Reward at the time of Discount/Reward collection. Prudential is under no obligation whatsoever to disclose the identity of the Eligible Customers or to publish the same for any reason at any point of time.

9. The Discount/Reward is not exchangeable for cash, credit or any other items of equivalent value. The validity period of the Discount/Reward is non-extendable. Prudential will be under no obligation to replace or pay to Eligible Customers the value of any Discounts/Rewards that are not utilised by the Eligible Customers before the end of the validity period of Discount/Reward as may be stipulated by Prudential and/or relevant merchants.

10. The Promotion is not valid in conjunction with other promotions carried out by Prudential.

11. By participating in this Promotion, each Eligible Customer agrees and consents under the Personal Data Protection Act (Cap 26 of 2012) to the collection, use and disclosure of any and all personal data of the Eligible Customer by/to Prudential, advertising and promotional agencies of the Promotion and such other third party, in Prudential’s absolute discretion, consider appropriate or necessary in connection with the Promotion and redemption of Discounts/Rewards.

12. If an Eligible Customer provides Prudential with personal data of any third party, that Eligible Customer hereby:

a) Agrees on behalf of that third party to be bound by the terms and conditions contained herein; and

b) Consents on behalf of that third party, to Prudential’s collection, use, disclosure and processing of his/her personal data in accordance with the terms and conditions contained herein.

The Eligible Customer warrants that he/she has obtained the said third party’s prior consent to such collection, use, disclosure and processing of his/her personal data by Prudential and that the personal data that the Eligible Customer provides to Prudential is true, accurate and complete.

13. Prudential shall not be liable for any third party’s misuse of the Eligible Customer’s submitted information and photograph as a result of the Eligible Customer taking part in the Promotion.

14. Unless prohibited by law, participation in the Promotion constitutes permission for Prudential, its advertising and promotional agencies to use any of the Eligible Customer’s names, and/or likeness for advertising and promotional purposes. Each Eligible Customer further agrees and acknowledges that the copyright and all other intellectual property rights in and to all photographs or audio-video or other recordings of the Eligible Customer taken or made in connection with the Promotion shall vest solely and absolutely in Prudential without any compensation to the Eligible Customer.

15. Prudential may at any time at its absolute discretion, without prior notice or assigning any reason thereof or being liable to any person, (i) suspend, cancel or terminate the Promotion, or (ii) delete, vary, supplement, amend, modify any one or more of the terms and conditions of the Promotion. Prudential’s determination of all matters in connection with the Promotion and the Discount/Reward shall be final, binding and conclusive. Prudential is not obliged to give any reason or prior notice on any matter concerning the Promotion or the Discount/Reward. No appeal, correspondence or claims will be entertained. Prudential has the right and discretion to determine whether a party has met the requirements of the Promotion and/or to receive the Discount/Reward. Eligible Customers and/or shall not be entitled to any damages or compensation whatsoever or howsoever arising as a result of such amendment, suspension or termination.

16. By participating in the Promotion, all Eligible Customers agree and undertake to, at all times, indemnify, keep indemnified, and hold Prudential, its employees and agents harmless against all losses (including direct, indirect, incidental and/or consequential losses), damages (including general, special, and/or punitive damages), demands, injuries (other than personal injury caused by Prudential’s negligence), claims, costs, penalties, interest and fees (including all legal fees as between solicitor and client or otherwise on a full indemnity basis whether or not incurred in respect of any real, anticipated, or threatened legal proceedings), howsoever caused by, arising or resulting from, whether directly or indirectly, their participation in the Promotion, acceptance or usage of any Discount/Reward, and/or any breach or purported breach of these terms and conditions and/or any applicable law.

17. Prudential makes no warranty or representation as to the quality, merchantability or fitness for purpose of the merchants’ goods and services in respect of the Discount/Reward. Any dispute about the same must be resolved directly with the merchant. Merchant terms and conditions apply.

18. In the event of any inconsistency or discrepancy between the terms and conditions contained herein and the contents of any brochure, marketing and/or promotional materials relating to the Promotion, the terms and conditions contained herein shall prevail.

19. Any trademarks, graphic symbols, logos or intellectual property contained in any materials used in connection with this Promotion, in particular the Discounts/Rewards, are the property of their respective owners. Prudential is not affiliated with, or endorsed or sponsored by, such owners and their relevant affiliates.

20. Failure by Prudential to exercise any of its right or remedy under the terms and conditions contained herein does not constitute a waiver of that right or remedy.

21. The terms and conditions contained herein shall be governed by Singapore law and the Eligible Customers agree to submit to the exclusive jurisdiction of the courts of Singapore.

22. A person who is not a party to any agreement governed by these terms and conditions shall have no right under the Contracts (Right of Third Parties) Act (Cap 53B) to enforce any of these terms and conditions. 

Important Notes

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 policyowner 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 policyowner 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. As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid.

As some of the products have no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely.

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Premiums for some of the products are not guaranteed and may be adjusted based on future claims experience. Before replacing an existing accident and health policy with a new one, you should consider whether the switch is detrimental, as there may be potential disadvantages with switching and the new policy may cost more or have fewer benefits at the same cost.

There are certain conditions such as pre-existing conditions, whereby no benefits will be payable. These are stated as exclusions in the contract. Please refer to the relevant policy contract for details.

Waiting period and survival period are applicable before the critical illness benefits will be payable. Please refer to the relevant policy contract for details.

A deferment period applies to total and permanent disability for which no benefits will be payable. Please refer to the relevant policy contract for details.

The information contained 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.

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 10 June 2020.

This advertisement has not been reviewed by the Monetary Authority of Singapore.