How to Submit a Claim

Step 1:

Complete the claim form

Step 2:

Submit claim form together with supporting documents through your Financial Consultants or at the Customer Service Center. Alternatively, you may mail it to us at: Prudential Assurance Company Singapore (Pte) Limited Robinson Road P.O. Box 492 Singapore 900942

Death Claim

1. Original or Certified True Copy of Death Certificate
2. Claimant Statement	Download
3. Clinical Abstract Application Form	Download
4. Medical Attendant Report (refer to note II)	Download
5. Newspaper Clippings (if any)
6. Police Report (if any)
7. Post-Mortem Report (refer to note II)
8. Blood & Toxicology report (refer to note II)
9. Coroner’s Certificate
10. NRIC(s) of Claimant(s) under Section 61 of Insurance Act;
11. Proof of relationship – will, marriage certificate, birth certificate etc
12. Letter from Immigration & Checkpoints Authority (ICA) Singapore on the update of the life status to deceased for Singaporean/Singapore Permanent Resident (refer note III)
13. PRUSelect Vantage Premier - Notification of Death Form	Download
14. All claimants must complete and submit a valid FATCA & CRS SELF-CERTIFICATION FORM FOR INDIVIDUAL ACCOUNT HOLDER. Please go to Note section for information on this requirement. Please complete page 6 to 8 of the Claimant Statement. Alternatively, you may download this form via Customer Form

Claimant	Proof of Relationship Documents Required (Original or Certified True Copy)
Spouse	Marriage Certificate
Children	Birth Certificate of Claimant
Parent	Birth Certificate of Deceased
Sibling	Birth Certificates of Deceased and Claimant

Note

Original or Certified True Copy of death certificate and proof of relationship documents must be produced at the Customer Centre and will be returned immediately after verification. Death Certificate certified by your lawyer or any Notary Public is also acceptable.

All non-English documents need to be translated into English by a certified translator. The translated documents must be authenticated by a Notary Public.
Please submit all the relevant documents and we will assess the claim upon receipt of all the required documents and advise whether the medical reports are required.
For Singaporeans and Permanent Residents (PR) who died overseas, ICA would issue this letter confirming receipt of Deceased’s identification documents (e.g. Singapore NRIC and Passport), overseas Death Certificate, and cancellation of Deceased’s Singapore NRIC and Passport.
Death Claim - Section 61 of the Insurance Act This Act allows an insurance company to pay an advance payment up to a maximum of $150,000 of the proceeds after claims admission to a proper claimant named as follows:

Proper Claimant means:
- Widow/ widower
- Parent or Child
- Brother or Sister
- Nephew or Niece
The balance proceeds will only be paid after the company receives the Estate Duty Clearance* and Grant of Probate/ Letter of Administration.

* For death on or after 15 Feb 2008, Estate Duty is removed following a change in Estate Duty law. Hence, the Estate Duty Clearance Certificate is not required for payment of the balance proceeds. However the Grant of Probate/ Letter of Administration is still required.
Extraction of the medical reports is at the claimant's expense.
FATCA AND CRS SELF-CERTIFICATION FORM FOR INDIVIDUAL ACCOUNT HOLDER / ENTITY ACCOUNT HOLDER

Prudential Assurance Company Singapore (Pte) Limited (“Prudential”) is required to collect certain information about each person’s tax residency and tax classifications under applicable tax regulations, including the Singapore Income Tax Act (Chapter 134), the Foreign Account Tax Compliance Act (“FATCA”) and the OECD Common Reporting Standard for Common Exchange of Financial Account Information (“CRS”). We may be obliged to share information about the policy(ies) with the relevant tax authorities under certain circumstances. Claimant of policy proceeds is required to complete relevant FATCA AND CRS SELF-CERTIFICATION FORM. Claimant may download this form via Customer Form.

Frequently Asked Questions

How do we make an insurance claim?

To make a claim, you may contact your Financial Consultant for the necessary requirements or print the claim forms online.

You may submit the claim form together with supporting documents through your Financial Consultant or at the Customer Service Center. Alternatively, you may mail it to us at:

Prudential Assurance Company Singapore (Pte) Limited
Robinson Road P.O. Box 492
Singapore 900942

What are the documents required for submission?

Death occurred in Singapore	Death occurred outside of Singapore
	Documents must be furnished with an English translation and authenticated by the Singapore High Commissioner of that country
If death is due to natural causes (illness)	If death is due to natural cause (illness)
Death Claim Claimant’s Statement	Death Claim Claimant’s Statement
Death Certificate	Death Certificate issued by a foreign authority must be certified by the Singapore Embassy or a public notary
Claimant’s NRIC(s)/ Passport(s)	Claimant’s NRIC(s) / Passport(s)
Documentary proof of relationship between the claimant and the deceased	Documentary proof of the relationship between the claimant and the deceased
Last will of the deceased (if applicable)	Last Will of the deceased (if applicable)
FATCA & CRS Self-Certification Form for Individual Account Holder (for a claimant with a foreign address or foreign contact number)	FATCA & CRS Self-Certification Form for Individual Account Holder (for a claimant with a foreign address or foreign contact number)
Clinical Abstract Application form	Clinical Abstract Application form

2.1 Additional mandatory documents if death is due to accident or unnatural cause:

Death occurred in Singapore	Death occurred outside of Singapore
	Documents must be furnished with an English translation and authenticated by the Singapore High Commissioner of that country
Medical attendant report	Medical attendant report
Police report or newspaper clipping	Burial cremation documents (if cremation or burial occurred overseas)
Post mortem/toxicology report	Repatriation report (if the body was repatriated back to Singapore for cremation/burial)
Coroner’s Certificate	Letter from Immigration and Checkpoint Authority (ICA)*
	Police report/Police investigation report
	Newspaper clipping
	Post Mortem and Toxicology Report
	Coroner’s Certificate

* For Singaporeans and Permanent Residents (PR) who died overseas, ICA would issue this letter confirming receipt of Deceased’s identification documents (e.g. Singapore NRIC and Passport), overseas Death Certificate, and cancellation of Deceased’s Singapore NRIC and Passport.

Who do we pay the claims proceeds to?

No.	Type of Policy	To whom claims proceeds is payable
1.	Trust	Trustee
2.	Normal Policy (without Will)	Proper Claimant*(up to S$150,000 provided there are no contesting claimants) Amount in excess of S$150,000 will require Grant of Letters of Administration and Schedule of Assets
3.	Normal Policy (With Will)	Executor upon submission of Grant of Probate* and Schedule of Assets
4.	Assignment Policy	Assignee
5.	Trust Nomination	Trustee
6.	Revocable Nomination	Nominee

*Grant of Letters of Administration & Grant of Probate and Schedule of Assets has to be obtained through a solicitor licensed to operate in Singapore.

** Proper Claimants are defined under Section 61 of the Insurance Act as the “widower, widow, parent, child, brother, sister, nephew or niece of the deceased”.

How long does it take to settle a death claim?

For claims occurring after the policy has been inforce for more than 2 calendar years, we will process the claim within 10 working days. If the policy is inforce for less than 2 years or claim occurred outside of Singapore, we will review the claim within 5 working days and inform you of the status of the claim.
What if the claimant does not have the death certificate but the Life Assured has been missing for some time?

The claimant will have to get legal advice to apply for a court order that presumes the Life Assured‘s death. The court order is to be submitted as part of the claims document.
When does the claimant need to submit the Post Mortem / Toxicology Report?

The claims officer will advise if the Post Mortem/ Toxicology are required after assessment of the claim.

Local forensic authority usually perform post mortem for cases where death is sudden or unnatural. Toxicology test is usually done to exclude or ascertain alcohol or drug content in deceased’s blood.
When does the claimant need to submit the Coroner’s Certificate?

The claims officer will advise if the Coroner’s Certificate is required after assessment of the claim.

Generally, a coroner certificate is required for cases in which death is sudden or is suspected to be caused by unnatural means.
What if the claimant is unable to provide the documents needed for proof of relationship?

The claimant can approach the relevant local authorities for copies of the documents to be extracted at his/her expense. If the claimant is unable to provide the relevant documents, we reserve the right to make payment to the legal representative of the deceased’s estate upon submission of Grant of Letters of Administration or Grant of Probate and Schedule of Assets.
Who are the Proper Claimants entitled to receive the claim proceeds?

Proper Claimants are defined under Section 61 of the Insurance Act as the “widower, widow, parent, child, brother, sister, nephew or niece of the deceased.

Section 61 of the Insurance Act provides that the Insurer may (i.e. at its sole discretion) pay up to S$150,000 to a proper claimant without production of the Grant of Probate or Grant of Letters of Administration and Schedule of Assets.

The remaining amount is payable only on production of the Grant of Letters of Administration and Grant of Probate and Schedule of Assets.
What is Grant of Probate/Letters of Administration and Schedule of Assets and how does the estate apply for it?

A Grant of Probate is issued by the Courts to confirm the appointment of the executor(s) named in the deceased’s will.

A Grant of Letters of Administration is issued by the Courts to name the legal representatives who are entitled to deal with the deceased’s estate.

Both can be applied through a lawyer who will draw up and submit a petition to the High Court for approval. It may take up to six months for the court to grant an approval, depending on the complexities of the deceased’s estate.

Please note that the Grant of Probate/ Letters of Administration will have to be applied in Singapore.

The Schedule of Assets will also be included as part of the Grant of Letters of Administration and Grant of Probate.
Do we accept Probate or Letters of Administration issued by the authorities outside of Singapore?

The Probate or Letters of Administration must be applied and issued by Singapore Court.

If the country issuing the Probate or Letters of Administration is a member of the Commonwealth Country, the Probate or Letters of Administration must be resealed in Singapore. The claimant can engage a Singapore lawyer to assist them on the reseal process.
Is interest payable on the death claim in view that the extraction of the Grant of Probate or Letters of Administration takes a few months?

Under the Life Insurance Association Singapore (LIA) statement of life insurance practice, interest is payable when the payment of a claim is made more than two months from the date of receipt of written notification of the death. Such interest will be calculated using the LIA-claims interest rate from the said date of notification until the actual date of payment. Interest payable is calculated daily and compounded at the end of each calendar year.
Who do we pay if deceased had made both a nomination and a Will?

For Trust nomination, we will pay to the Trustee regardless of any Will.

For Revocable nomination, we will pay to the nominee(s) if the revocable nomination is made after the Will.

A valid Will executed after a Revocable Nomination has been made and made known to us will supersede the Revocable Nomination. However, the Will must satisfy specific requirements under the Wills Act. For example, the Will must provide for the disposition of all death benefits under the policy and it must specify the particulars of the relevant policy.
What happens if a nominee dies before the Life Assured?

For Trust nomination, the proceeds will be released to the deceased nominee’s estate.

For Revocable nomination, the deceased nominee’s share will be proportionately distributed among the surviving nominees. If there are no other nominees, the nomination will be deemed as revoked and it will be paid to the legal representative of the deceased’s estate.
What are the exact requirements necessary for a Will to be able to supersede an earlier Revocable Nomination made under Section 49M (2) of the Insurance Act?

The Will must be made in accordance with the Wills Act (Cap.352) which provides for the disposition of all death benefits under the relevant policy; and specifies the particulars of that relevant policy referred to in regulation 5(3) of the Insurance (NOB) Regulations 2009. Regulation 5(3) of the Insurance (NOB) Regulations 2009 lists the following particulars:
1. the name of the registered insurer that issued the relevant policy
2. the policy number
3. the name of each beneficiary to whom any portion (including the whole) of the death benefits under the relevant policy is bequeathed
4. where a beneficiary referred to in sub-paragraph (c) is an individual, the following particulars of the beneficiary : NRIC/BC/Foreign passport number, address, date of birth
5. where a beneficiary referred to in sub-paragraph (c) is not an individual, the following particulars of the beneficiary; the Singapore unique entity number of the beneficiary or, if the beneficiary does not have such a number, any other official registration number which identifies and is unique to the entity; and the address of the beneficiary;
6. the portion of the death benefits under the relevant policy which is bequeathed to each beneficiary.
Are the proceeds protected against claims from creditors in the event of bankruptcy?

For policies with Trust nomination, it is protected against claims from creditors. However, this will not apply if it is proved that the relevant policy was effected with the intent to defraud creditors.

For Revocable nomination, it is not protected against claims from creditors.
If there is a nomination under the policy and the nominee is still a minor at the time of death of the Life Assured, who do we pay to?

For Trust Nomination, we will pay the claim proceeds to the Trustee who will administer the monies for the benefit of the nominee(s).

For Revocable Nomination, if the child is of at least 18 years of age, the death claim will be paid directly to the nominee. If the child is below 18 years of age, the death claim will be payable to the legal guardian for the benefit of the nominee.
If the policyowner had predeceased the Life Assured, who do we pay the claim proceeds to in the event of death of the Life Assured?

Upon the death of the policyowner, the policy is vested under the Estate of the policyowner. The Grant of Probate (if there is a Will) or Grant of Letters of Administration (if there is no Will) and Schedule of Assets of the policyowner will be required for the claim to be paid to the Executor or Administrator to administer the claim monies for the benefit of the deceased policyowner’s estate.

Terminal Illness Claim

1. Terminal Illness Claim Form	Download
2. Laboratory Report
3. Clinical Abstract Application Form	Download
4. Original Policy Document

Disability claims

Disability Claims

1. Disability Claim Form	Download
2. Laboratory Report
3. Clinical Abstract Application Form	Download
4. Original Policy Document

Crisis Cover Claim

Crisis Care Accelerator Claim

1. Claim Form
1	Crisis Care Accelerator	Download
2	Laboratory Report

Crisis Cover Claim

1. Claim Form for different illnesses
1	Major Cancers	- Carcinoma in situ of specified organs - Early Prostate Cancer - Early Thyroid Cancer - Early Bladder Cancer - Early Chronic Lymphocytic Leukaemia - Early Melanoma - Gastro-intestinal Stromal Tumor (GIST)	Carcinoma in situ of specified organs treated with Radical Surgery	Download
2	Heart Attack	Cardiac pacemaker insertion or Pericardectomy	Cardiac defibrillator insertion or Early Cardiomyopathy	Download
3	Coronary Artery By-pass Surgery	Keyhole coronary bypass surgery or Coronary Artery Arthrectomy or Transmyocardial Laser Revascularisation or Enhanced External Counterpulsation Device Insertion	-
4	Major Organ (Heart) Transplantation	-	-
5	Other Serious Coronary Artery Disease	Early Stage Other Serious Coronary Artery Disease	Intermediate Stage Other Serious Coronary Artery Disease
6	Angioplasty and other Invasive Treatment for Coronary Artery	-	-
7	Stroke	Brain aneurysm surgery or Cerebral shunt insertion	Carotid artery surgery	Download
8	Kidney Failure	Surgical removal of one kidney or Chronic Kidney Disease	-	Download
9	Major Organ (Kidney) Transplantation	-	-	Download
10	Benign Brain Tumour	Surgical removal of pituitary tumour or Surgery for subdural haematoma	-	Download
11	Alzheimer’s Disease / Severe Dementia	Moderately severe Alzheimer’s Disease or Dementia		Download
12	Apallic Syndrome	-	-
13	Aplastic Anaemia	Reversible Aplastic Anaemia	Myelodysplastic syndrome or Myelofibrosis
14	Bacterial Meningitis	Bacterial Meningitis with full recovery	-
15	Blindness (Loss of Sight)	Loss of sight in one eye	Optic Nerve Atrophy with low vision
16	Coma	Coma for 48 hours	Severe Epilepsy or Coma for 72 hours
17	Deafness (Loss of Hearing)	Partial loss of hearing or Cavernous sinus thrombosis surgery	Cochlear implant surgery
18	End Stage Liver Failure	Liver surgery	Liver Cirrhosis
19	End Stage Lung Disease	Severe Asthma or Insertion of a Veno-cava filter	Surgical removal of one lung
20	Fulminant Hepatitis	Hepatitis with Cirrhosis or Biliary Tract reconstruction surgery	Chronic Primary Sclerosing Cholangitis
21	Heart Valve Surgery	Percutaneous Valve Surgery	-
22	HIV Due to Blood Transfusion and Occupationally Acquired HIV	HIV due to Assault, Organ Transplant or Occupationally Acquired HIV	-
23	Loss of Speech	Loss of Speech due to neurological disease or neurological injury or Permanent or Temporary Tracheostomy	-
24	Major Burns	Moderately severe burns	-
25	Major Head Trauma	Facial reconstructive surgery or Spinal cord injury	Intermediate stage Major Head Trauma
26	Major Organ / Bone Marrow Transplantation	Small bowel transplant; or Corneal transplant	-
27	Motor Neurone Disease	Early Motor Neurone Disease or Peripheral Neuropathy	-
28	Multiple Sclerosis	Early Multiple Sclerosis	Mild Multiple Sclerosis
29	Muscular Dystrophy	Moderately severe Muscular Dystrophy or Spinal Cord Disease or Injury resulting in Bowel and Bladder Dysfunction	-
30	Paralysis (Loss of Use of Limbs)	Loss of Use of One Limb	Loss of Use of One Limb requiring Prosthesis
31	Parkinson’s Disease	Moderately severe Parkinson’s Disease	-
32	Poliomyelitis	-	-
33	Primary Pulmonary Hypertension/ Pulmonary Arterial Hypertension	Early Pulmonary Hypertension	Secondary Pulmonary Hypertension
34	Progressive Scleroderma	Early Progressive Scleroderma	Progressive Scleroderma with CREST syndrome
35	Surgery to the Aorta	Minimally invasive surgery to Aorta or Large asymptomatic aortic aneurysm	-
36	Systemic Lupus Erythematosus with Lupus Nephritis	Mild Systemic Lupus Erythematosus	-
37	Viral Encephalitis	Viral Encephalitis with full recovery	Moderate Viral Encephalitis with full recovery
2. Claim Form for additional critical illnesses
		- Acute Necrohaemorrhagic pancreatitis - Adrenalectomy for adrenal adenoma - Creutzfeld-Jacob disease - Chronic auto-immune hepatitis - Ebola - Elephantiasis - Idiopathic pulmonary fibrosis - Infective endocarditis - Medullary cystic disease - Meningeal tuberculosis - Multiple root avulsions of brachial plexus - Necrotising fasciitis - Pheochromocytoma - Progressive supranuclear palsy - Severe Crohn’s disease - Severe Eisenmenger’s syndrome - Surgery for idiopathic scoliosis - Severe myasthenia gravis - Severe ulcerative colitis		Download
		-Severe cardiomyopathy		Download
3. Laboratory Report
4. Clinical Abstract Application Form				Download
5. Original Policy Document

Special Benefit Claim

1. Claim Form for different Special Medical Conditions and Juvenile Medical Conditions
1	Diabetic Complications	Download
2	Osteoporosis with Fractures
3	Severe Rheumatoid Arthritis
4	Benign Tumor requiring surgical excision
5	Glomerulonephritis with Nephrotic Syndrome
6	Insulin Dependent Diabetes Mellitus
7	Osteogenesis Imperfecta
8	Still’s Disease
9	Hemophilia A and Hemophilia B
10	Kawasaki Disease with heart complications
11	Rheumatic Fever with valvular impairment
12	Wilson’s Disease
13	Autism Spectrum Disorder (ASD)
14	Dyslexia
15	Attention-Deficit-Hyperactivity Disorder (ADHD)
16	Hand Foot Mouth Disease with serious complications
2. Laboratory Report
3. Clinical Abstract Application Form		Download
4. Original Policy Document

Severe Infections Protect Claim

1. Claim Form for Severe Infections Protect benefit
1	Severe Infectious Diseases	Download
2	Laboratory Report

Crisis Cover Kids Claim

1. Claim Form for different illnesses
1	Bone Marrow Transplant	Download
2	Brain Surgery
3	Glomerulonephritis with Nephrotic Syndrome
4	Insulin Dependent Diabetes Mellitus
5	Kawasaki with Heart Complication
6	Leukaemia
7	Loss of Limbs
8	Major Head Trauma
9	Rheumatic Fever with Valvular Impairment
10	Severe Asthma
11	Severe Epilepsy
12	Severe Juvenile Rheumatoid Arthritis
2. Laboratory Report
3. Clinical Abstract Application Form		Download

Female Benefit Claim

PRUSmart Lady/ PRULady/ PRUMum2Be

1. Claim Form for different illnesses / medical procedures
1	Female Illnesses/ Medical Procedures/ Reconstructive Surgery or Skin Grafting/ Support benefit
	Systemic Lupus Erythematosus (SLE) with Lupus Nephritis Rheumatoid Arthritis Chronic Auto-immune Hepatitis Osteoporosis requiring surgery or repair Urinary incontinence requiring surgical repair Uterine Prolapse Pelvic relaxation requiring surgical repair Thyroid disorders causing thyroid storm Polycystic Ovarian Syndrome	Download
	Complicated repair of a vaginal fistula
	Facial reconstructive surgery due to an Accident Skin grafting due to major burns
	Hormone Replacement Therapy (due to other than Cancer) Outpatient Psychiatric benefit
	Malignant Cancer/ Choriocarcinoma Carcinoma in situ of breast/ cervix uteri	Download
	Radical vulvectomy required due to a malignant condition Wertheim’s operation required due to a malignant condition Total pelvic exenteration required due to a malignant condition Hysterectomy required due to a malignant condition Mastectomy required due to malignant condition Bilateral/ unilateral breast Lumpectomy due to a malignant condition or carcinoma in situ
	Breast reconstructive surgery following a Mastectomy Skin grafting due to skin cancer
	Oocyte Cryopreservation due to covered female cancers Molecular Gene Expression Profiling Test for treatment Guidance Hormone Replacement Therapy due to Cancer Outpatient Psychiatric benefit
2	Pregnancy Complication benefit
	Disseminated Intravascular Coagulation Death of the foetus of the life assured after 195 days of pregnancy Death of the child of the life assured within 28 days after birth Death of the life assured during delivery Hydatidiform Mole Pre-Eclampsia or Eclampsia Fatty Liver of Pregnancy Postpartum Haemorrhage requiring a hysterectomy Miscarriage due to an Accident Antepartum Haemorrhage Placenta Increta / Percreta Uterine rupture HELLP syndrome Amniotic Fluid Embolism Abruptio Placentae Post-partum depression Gestational Diabetes Mellitus Still Birth Psychiatrist/ Psychologist consultation Ectopic pregnancy Vasa Previa Termination of Pregnancy due to Life Threatening Condition Antepartum and Intrapartum Haemorrhage Incompetent Cervix leading to Preterm birth	Download
3	Congenital Illnesses benefit
	Down’s Syndrome Spina Bifida Tetralogy of Fallot Transposition of the Great Vessels Atrial Septal Defect Absence of two limbs Anal Atresia Infantile Hydrocephalus Cerebral Palsy Ventricular Septal Defect Club Foot Congenital Dislocation of Hip Congenital Blindness Congenital Deafness Trancheo-Esophageal Fistula or Esophageal Atresia Patent Ductus Arteriosus Cleft Palate / Cleft Lip and Palate Congenital hypertrophic pyloric stenosis Congenital Diaphragmatic Hernia Retinopathy of Prematurity Truncus Arteriosis Biliary Atresia Developmental Dysplasia of Hip Coarctation of the aorta Congenital cataract	Download
4	Hospital Care benefit
	For Child Incubation of newborn child for more than 3 consecutive days immediately following birth Premature birth requiring neonatal ICU Bronchitis Dengue hemorrhagic fever Phototherapy for severe neonatal jaundice Pneumonia Severe measles Severe Hand, Foot and Mouth Disease (HFMD) Chikungunya fever Typhoid fever Rabies Zika MERS-CoV Ebola SARS Influenza A – Avian Influenza (H7N9 and A(H5N1) Nipah virus encephalitis Japanese encephalitis Creutzfeldt-Jakob disease Malaria Hospital Care Accelerator For Mother Zika Inpatient Psychiatric Treatment Post-natal anaemia Puerperal Pyrexia Pulmonary Embolism Repair of 4th degree perineal tear Septic pelvic thrombophlebitis Surgical Site infection following caesarian section Uterine infection or transfusion due to retained placenta following childbirth Complications of Lactational Mastitis Hospital Care Accelerator	Download
	For Mother Hospitalisation due to pregnancy complications	Refer to claim form on pregnancy complications
2. Laboratory Report
3. Clinical Abstract Application Form		Download

Male Benefit Claim

PRUMan

1. Claim Form for different illnesses / medical procedures
1	Male Illnesses
	Malignant Cancer of the prostate/ testicle/ scrotum Carcinoma in situ of the colon/ testicle/ penis	Download
	Muscular Dystrophy	Download
	Cardiomyopathy	Download
2	Medical Procedure
	Heart Valve Surgery Surgery of the Aorta Percutaneous Valve Surgery	Download
	Heart Transplant Coronary Artery By-pass Surgery Coronary Artery Atherectomy or Transmyocardial Laser Revascularisation or Enhanced External Counterpulsation Device Insertion Cardiac Pacemaker Insertion or Cardiac Defibrillator Insertion Pericardectomy Angioplasty and Other Invasive Treatment for Coronary Artery	Download
	Surgical septal myomectomy to relieve left ventricular outflow tract (LVOT) obstruction in Hypertrophic Obstructive Cardiomyopathy Renal angioplasty Severe Benign Prostatic Hyperplasia and Early Prostate Cancer requiring Suprapubic Catheterisation Testicular torsion requiring surgery; Acquired Peyronie’s disease requiring surgery; Orchiectomy for causes other than cancer Severe gout	Download
	Carotid Artery Surgery	Download
3	Reconstructive Surgery or Skin Grafting
	Facial reconstructive surgery due to an Accident; Skin grafting due to major burns; Skin grafting due to skin cancer; Open surgery for the removal of kidney stones	Download
4	Support Benefit
	Physiotherapy due to an Accident	Download
2. Laboratory Report
3. Clinical Abstract Application Form		Download

Personal Accident Benefit

1.	Accidental Death Claim (see section on Death Claim)
2.	Accidental Dismemberment
	a) Total disability (see section on Disability Claim)
	b) Partial Disability
	i) Personal Accident Claim Form	Download
	ii) Clinical Abstract Application Form	Download
	iii) Police Report
3.	Weekly Income
	a) Personal Accident Claim Form	Download
	b) Medical Certificates for the absence of work (minimum 7 days)
	c) Clinical Abstract Application Form	Download
	d) Police report
4.	Medical Reimbursement
	a) Personal Accident Claim Form	Download
	b) Medical Bills
	c) Clinical Abstract Application Form	Download
	d) Police report

Weekly Hospital Benefit/ Hospital Cash/ Medical Cash Benefit/ PRUMedical Cash

1.	Hospitalisation Claim Form	Download
2.	Clinical Abstract Application Form	Download
3.	Hospitalisation Bills

Surgical & Nursing Loan Benefit

1.	Surgical & Nursing Loan Form	Download
2.	Medical Bills or Receipts
3.	Clinical Abstract Application Form	Download

PRUParent Benefit Claims

1.	Death
	a) Please follow the requirements under Death Claim
2.	Hospital Room and Board
	a) PRUParent Benefit Claim Form	Download
	b) Clinical Abstract Application Form	Download
	c) Original Hospital Bills
	d) Accidental/ HB/ Surgical Procedure Medical Report (if necessary)	Download
3.	Surgical Procedure
	a) PRUParent Benefit Claim Form	Download
	b) Clinical Abstract Application Form	Download
	c) Original Hospital Bills
	d) Accidental/ HB/ Surgical Procedure Medical Report (if necessary)	Download
4.	Long Term Care
	a) PRUParent Benefit Claim Form	Download
	b) Clinical Abstract Application Form	Download
	c) Long Term Care Benefit Assessment Report	Download

Unemployment Cover/ Retrenchment Benefit

Unemployment Cover Claims

1.	Unemployment Cover/ Retrenchment Benefit Claim Form	Download
2.	Original Retrenchment letter from the employer
3.	Original Employment letter from the employer

PRUHospital Income Claim Form

1.	PRUHospital Income Claim Form	Download
2.	Clinical Abstract Application Form	Download
3.	Original Hospital Bills
4.	Medical Certificates
5.	Accidental/ HB/ Surgical Procedure Medical Report	Download

PRUShield & PRUExtra/Extra Lite Claim

a) Inpatient/ Day Surgery/ Outpatient Hospital Treatment in Singapore for Singaporean and Singapore Permanent Resident

All claims on Inpatient, Day Surgery and Outpatient Hospital Benefits (e.g Outpatient Cancer Treatment, Outpatient Renal Failure Treatment, Approved Immunosuppressant Drugs) have to be submitted through electronic submission by completing the Claim Form for Medisave-Approved Integrated Plan at the hospitals or clinics.

Please click here for the list of Medical Institutions participating in MediShield Life Scheme for electronic submission.

b) Inpatient/ Day Surgery/ Outpatient Hospital Treatment in Singapore for foreigner

As the PRUShield Foreigner plan is not integrated with the reformed Basic MediShield, submission of the claim has to be via manual submission, not electronic submission as hospitals would not have any records of the foreigner Life Assured.

To see the list of the medical institutions participating in MediShield Life Scheme, click here.

1.	PRUShield Claim Form (Manual Submission) and Specialist Doctor Report	Download
2.	Original final hospital bill, tax invoice and receipt
3.	Clinical Abstract Application Form	Download
4.	Copy of passport showing the life assured's personal particulars
5.	Copy of eligible valid pass of the life assured

c) Emergency Medical Treatment outside Singapore

1.	PRUShield Claim Form (Manual Submission) and Specialist Doctor Report	Download
2.	Original final hospital bill, tax invoice and receipt
3.	Clinical Abstract Application Form	Download
4.	Copy of passport showing the life assured’s personal particulars (only for foreigner)
5.	Copy of eligible valid pass of the life assured (only for foreigner)

d) Planned Overseas Medical Treatment

We pay for the hospitalisation or day surgery expenses incurred by the life assured for a planned medical treatment overseas in a Standard Room that is deemed to be Reasonable and Customary Expenses.

The life assured /policyholder must obtain a referral from a healthcare institution in Singapore and be referred to an overseas Medisave-accredited healthcare institution(s) for approved overseas hospitalisation under this benefit. More information can be found here: CPFB | Can I use my MediSave for overseas treatment/hospitalisation?.

The list of overseas Medisave-accredited healthcare institution is subject to changes as determined by CPF Board.

1.	PRUShield Claim Form (Manual Submission) and Specialist Doctor Report	Download
2.	Original final hospital bill, tax invoice and receipt
3.	Referral memo from referral centre at HMI Balestier Clinic or Parkway East Hospital
4.	Clinical Abstract Application Form	Download
5.	Copy of passport showing the life assured’s personal particulars (only for foreigner)
6.	Copy of eligible valid pass of the life assured (only for foreigner)

e) Pre and Post-Hospitalisation Treatment

Pre-hospitalisation Consultation and Services has to be incurred within 180 days* before the Life Assured is confined to hospital.

Post-hospitalisation Follow-up Treatment and Services has to be incurred within 365 days* following discharge from hospital.

1.	PRUShield Pre and Post-hospitalisation Benefit Claim Form	Download
2.	Original final hospital bill, tax invoice and receipt
3.	Clinical Abstract Application Form	Download
4.	Referral memo from last General Practitioner who referred the life assured to a Specialist.
5.	A copy of “Medisave Deduction Details Statement” for the hospital bill (This is a statement which shows the deduction from the MediSave Account for the medical expenses incurred) if your bill is paid by medisave. To obtain your copy of “Medisave Deduction Details Statement” for the hospital bill , you may login to mycpf online services with your Singpass at http://www.cpf.gov.sg and proceed to My Statement >> Section B >> Medisave/MediShield Life/Integrated Shield Plan Claims and Reimbursements.

^*Please refer to your policy booklet for entitlement of Pre and Post-Hospitalisation benefit.

f) Final Expense Provision Benefit

1.	Death Claim Claimant's Statement	Download
2.	Original final hospital bill, tax invoice and receipt
3.	Death certificate issued by the relevant authority
4.	Copy of the identification documents of the claimant
5.	Evidence that the person is entitled to receive the payment. (e.g birth certificate, marriage certificate, the deceased’s last will, Letter of Administration or Probate, Trust Deed etc.)

g) PRUExtra/ PRUExtra Lite

PRUExtra or Extra Lite is a plan which complements the coverage offered by Main PRUShield policy. You only need to file claim for deductible/co-insurance if they are not processed together with your main PRUShield claim.

1.	PRUExtra/ PRUExtra Lite Claim Form	Download
2.	Original final hospital bill, tax invoice and receipt
3.	Clinical Abstract Application Form	Download

For Special appliances & Prosthesis benefit under PRUExtra plan, please substantiate the claim with doctor’s memo stating the reason of such purchase.This benefit is not available for PRUExtra Lite plan.

For Post-Hospitalisation Follow-up TCM treatment under PRUExtra plan, the following is the approved TCM medical institutions valid as of 01 Apr 2022. This benefit is not available for PRUExtra Preferred CoPay, PRUExtra Lite CoPay and PRUExtra Lite plans.

Bai Chuan TCM Clinic Pte Ltd
Bao Zhong Tang TCM Centre
Beijing Tong Ren Tang
Complementary Integrative Medicine Clinic - Tan Tock Seng Hospital
Eu Yan Sang TCM Clinic
ECON Chinese Medicine
Heritage TCM Clinic
Healthsciences International Pte Ltd
Ma Kuang Chinese Medicine & Research Centre Pte Ltd
Raffles Chinese Medicine - Raffles Hospital
Si En TCM Medical Clinic Pte Ltd
Singapore Chung Hwa Medical Institution
Singapore Thong Chai Medical Institution
Traditional Chinese Medicine Centre - Kwong Wai Shiu Hospital
Thomson Chinese Medicine
Thye Hua Kwan TCM Medical Centre - Ang Mo Kio Thye Hua Kwan Hospital
Yang Zheng Tang TCM Clinic
Chinese Medical Centre Pte Ltd
Yu Guo Chinese Physician Pte Ltd
Kin Teck Tong
Chien Chi Tow
Realm of Tranquility
Chia Chay Puay Clinic
Yong Kang TCM Clinic
Ever Spring Medical Group Pte Ltd
Ling Lan Chinese Physician & Acupuncturist
Blessed Health TCM Clinic
Tang Shan Chinese Medical
Annie Tiang TCM
Zhang AiPing TCM Clinic
Acu Point Pte Ltd

We reserve the right to review and change the above list as required from time to time. We advise that you check the list before consulting the clinic.

h) Living Organ Donor who does not have his or her own insurance coverage

You can only file this claim if your organ transplant benefit claim has been approved by Prudential.

1.	PRUShield Claim Form (Manual Submission) and Specialist Doctor Report	Download
2.	Copy of identification documents of living organ donor
3.	Original final hospital bill, tax invoice and receipt of living organ donor

PRUFracture Care Claim

1.	PRUFracture Care Claim Form	Download
2.	Clinical Abstract Application Form	Download
3.	Laboratory Report (e.g. x-ray report, MRI/ CT scan report, Operation report)
	For a claim on Mobility Aid benefit
4.	Original medical bills and receipts (if claim is on Mobility Aid benefit)
5.	Written prescription from the life assured's medical practitioner for the purchase of the mobility aid (if the claim is on Mobility Aid benefit)
	For a claim on House Fitting benefit
6.	Copy of medical certificate indicating the period of disability
7.	Original tax invoice for the House Fitting Expenses
8.	Written certification from the life assured's medical practitioner from rehabilitative services or such similar professional recommending that House Fitting is reasonably necessary
	For a claim on Recovery benefit
9.	Copy of the hospital confinement bill

Note:

X-ray report is a mandatory requirement for a claim on fracture benefit.

PRUAffinity PA Claim Form

1. PRUAffinity PA Claim Form

Download

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