Under PruShield health insurance plan, which rider should I get for Private Hospital?

Hi, just noted there is a page to discuss health insurance.

For sharing, that might be useful to you and other friends here.

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It is good to stick with prudential plan, if you purchased health inusrance prior 2018, still have chance to remain 100% claim. if not, also worth to stay with pru, as its fast and quality of service.

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*For the riders with Prudential:

1. If deposit is not a problem to you, go with lite rider. No calim bsed pricing, access all private and public hospitals.
2. If deposit is a consideration, you may want to consider Premier or prefer. Premier has all access to all private and public hospitals. prefer may worry about whether it can claim if got to know a senior doctor is non panel.

Hi,

I would not base on pricing only when come to choosing Shield plan & its rider. Apart from comparing the benefits, look at how the insurer takes care of their clients.

Per MOH's latest Service Indicator (_1 October to 31 December 2020 stats), _Prudential is the only insurer with 75 Percentile Claims Processing Duration = 0 day (same day). See MOH Comparison of Integrated Shield Plans.

Prudential also once again made it to #1 in Customer Satisfaction Ranking (Scores & Ranking Institute of Service Excellence Singapore Management University (SMU)) - for 3rd year running now.

So in short, check out the benefits provided by each insurers, and see their service track record.

FYI, the Claim Based Pricing is a fair system. If we stay healthy, we get 20% discount for the rider's premium, we call it PRUWell Reward. If we make a claim we pay more than the rest (for the rider's premium), BUT if the year after we don't make any more claim, the rider premium will go down. Most of PRUExtra customers are on PRUWell Reward. Do note Claimed Base Pricing does not affect the base plan (PRUShield)'s premium.

And to answer your question "Under PruShield health insurance plan, which rider should I get for Private Hospital?" - there are 3 options you can choose as at now (PRUExtra Prudential Singapore). I would suggest you to speak to your Prudential Financial Consultant to find out more. There is 20% disc promo running currently till end of June.

-Pau Cen, 97834915, Representing Prudential

Insta: @pcyrpruagent

LinkedIN: https://www.linkedin.com/in/tanpaucen

Disclaimer: Disclaimer for Financial Consultants (Affiliated with PACS) Prudential Singapore​​​