We hope that your recent claims with PRUShield were processed swiftly and you are recovering well. If there is anything we could have done to improve your experience, please kindly let us know.
Meanwhile, you may like to consider leveraging the benefits of your employer’s Group Insurance plan if eligible for your recent PRUShield claims.
Customers who do so successfully will receive a token of appreciation - SGD150* for a successful recovery claim of SGD1,500 or more, or SGD80* for a successful recovery claim of less than SGD1,500.
Claiming reimbursement from your employer’s Group Insurance is easy. All you have to do is submit PRUShield’s settlement letter along with other required documents to your Human Resource (HR) department and they will liaise with your employer’s group insurer for the appropriate reimbursements.If you have further queries about making claims under your employer’s Group Insurance, you can refer to the FAQs below or contact your Prudential Financial Consultant.
Thank you and we wish you a speedy recovery.
Why should I do this?
Integrated Shield plans are meant to be the last payors for medical treatment. As reported in the press, rising medical costs have resulted in rising premiums. This has impacted consumers like yourself. You can do your part to keep premiums affordable through this process. This is part of a wider approach Prudential is undertaking to ensure premiums remain affordable and customers do not have to compromise on gaining access to quality health care.
How do I claim for reimbursement from my employer’s group insurance?
Firstly, it is best when you are initially seeking specialist and/or hospital treatment, to claim from your employer’s group insurance cover. Most companies require a referral from a general practitioner when seeking specialist’s or hospital treatment. To do so, you need to notify your HR, where you will receive a letter of guarantee (LOG) and subsequently, you will need to collate the various receipts and bills for submission to your HR department.
If you have claimed from PRUShield initially, you can seek reimbursement from your employer’s group insurer. The documents you need are as follows:
- Group insurance claim form provided by your HR department. This can also be downloaded from most group insurers’ websites
- Hospital (or Inpatient) Discharge Summary
- Referral letter from general practitioner to specialist/hospital
- Pre- and post-hospitalisation bills
- Original and final hospital bill and receipt
- Medical report – pending the claim amount, your employer’s group insurer may waive this if the claim amount is below a certain threshold. You can validate with your HR department on the requirement for this.
- PRUShield’s settlement letter to your employer’s group Insurer for their claim assessment. This letter is sent by Prudential to customers for every approved claim, with details on claims payment made.
These will be submitted to your HR department who will liaise with your employer’s group insurer for appropriate reimbursements. Once you have made the submissions, you can notify us via our PRUCustomer Line at 1800 333 0333(Mondays to Fridays, 8:30am to 5:30pm. If you are dialing from overseas or via a payphone, please call +65 63330333.) or contact your Financial Consultant. We will do the necessary follow-up with your employer’s group insurer.
When will I receive my token of appreciation?
Once you have submitted the appropriate documents to your HR, you can notify us via your Financial Consultant. The follow-up process can take several months. Once we receive the reimbursement from your employer’s group insurer, you will receive a cheque for the token of appreciation by mail within 2 weeks.
Do note that the token of appreciation is only applicable to successfully recovered amounts from your employer’s group insurer of more than $250.
Can I be entitled to multiple token of appreciation payments for multiple claims?
If a customer is treated for a few conditions at the same time during the same hospitalisation, that is defined as one event, and as such, the cheque for token of appreciation payable will be determined by the successful recovery claim amount from the employer’s group insurer.
If a customer is treated for a condition in January, and developed a new, unrelated condition and is treated in June, it will be considered as two separate events. In this instance, two corresponding cheques for the tokens of appreciation will be payable, pending the successful recovery claim amount from the employer’s group insurer.
Each customer is eligible for a maximum of SGD1,500 in appreciation payments per calendar year.
Am I entitled to multiple token of appreciation payments if there is a follow-up treatment for my condition?
This is defined as one event; one cheque for the token of appreciation will be payable in this instance.
*Terms & Conditions
Token of Appreciation payments do not apply to claims made under PRUExtra or PRUExtra Lite policies which are not Medisave-approved Integrated Shield plans. The token of appreciation will be made via cheque except for CoPay plans, the token of appreciation will be in the form of vouchers. Prudential reserves the right, in its sole and absolute discretion, to suspend, cancel, terminate and/or vary the terms and conditions of this program at any time without any notice and without assigning any reason whatsoever. All decisions made by Prudential in connection with this program shall be final and binding. The Token of Appreciation is only applicable to recovered amounts of more than $250. All decisions made by Prudential in connection with this programme shall be final and binding.