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Prudential PRUshield

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appendicitis surgery

surgery months

months claim

claim process

process hassle

hassle free

free offered

offered token

token appreciation

appreciation recover

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  • I had appendicitis surgery few months back and the claim process is hassle free. They offered me some token of appreciation if I help them to recover some cost from my company insurance.
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Insurance

Healthcare

Health Insurance

Prudential PRUshield

AXA Shield

Policies

Yes, there may be exclusions on a new application. You can get your advisor to apply for a preliminary underwriting, but it would almost always be best to keep to what you currently have. Insurers take a lot less risk on medical policy and would more often than not, be trigger happy with exclusions.

About Prudential

For over 85 years, Prudential have served the financial and protection needs of Singaporeans and has built its reputation today as one of the market leaders in Protection, Savings and Investment-linked plans. Awarded by Standard & Poor's, Prudential has an AA- Financial Strength Rating. Prudential was also awarded People Developer Award by SPRING Singapore in their efforts to groom and develop employees.

About Prudential PRUshield

Predential PRUshield allows you to enhance your coverage that helps to complement your MediShield Life, which is a compulsory health insurance that everyone needs to have, with high annual coverage of up to S$1.2 million for medical treatment

Note: Public Service Officers or staff at Selected Companies enjoy 10% off PRUShield premiums for the first year - Only applicable for PRUShield Premier and PRUShield Plus.

Eligibility: Singaporeans and Permanent Residents up to 75 years of Age, Foreigners up to 55 years of age

Coverage: Lifetime

Overall benefits include:

  • Inpatient and Day Surgery Benefits
    - Hospitalisation Benefits
    - Surgical Benefits (including Day Surgery)
    - Living Organ Donor Transplant Benefits
    - Overseas Medical Treatment
  • Pre-Hospitalisation (Up to 180 days) and Post-Hospitalisation (Up to 365 days) Benefits
  • Outpatient Hospital Benefits
    - Outpatient Cancer Treatment
    - Outpatient Renal Failure Treatment
    - Approved Immunosuppressant drugs for organ transplant
  • Others

About Prudential PRUshield Plans

1. PRUShield Standard

Ward Entitlement: 100% coverage on Restructured hospitals (Up to B1 class ward)

2. PRUShield Plus

Ward Entitlement: 100% coverage on Restructured hospitals (Up to A class ward)

Supplementary Plans to Add On:

PRUExtra Plus CoPay

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 provide

3. PRUShield Premier

Ward Entitlement: 100% coverage on Restructured and Private hospitals

Supplementary Plans to Add On:

PRUExtra Premier CoPay

- 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.

PRUExtra Premier Lite CoPay

Covers 50% of your Deductible (up to S$1,750 per policy year) 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.