Prudential PRUshield Health Insurance Reviews and Comparison - Seedly
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Prudential PRUshield Health Insurance

  • Overview
  • Reviews (9)
  • Questions (0)
  • More Details

Plans (3)

Slide 1 of 3
  • PRUShield Premier

    $1,200,000
    LIMIT PER POLICY YEAR
    180 / 365 days
    PRE & POST HOSPITAL
    As Charged
    OUTPATIENT BENEFITS
    Private Hospital
    WARD ENTITLEMENT
  • PRUShield Plus

    $600,000
    LIMIT PER POLICY YEAR
    180 / 365 days
    PRE & POST HOSPITAL
    As Charged
    OUTPATIENT BENEFITS
    A Class and below
    WARD ENTITLEMENT
  • PRUSHield Standard

    $150,000
    LIMIT PER POLICY YEAR
    N/A
    PRE & POST HOSPITAL
    Subject to Treatment
    OUTPATIENT BENEFITS
    B Class and below
    WARD ENTITLEMENT

    PRUShield Premier

    $1,200,000
    LIMIT PER POLICY YEAR
    180 / 365 days
    PRE & POST HOSPITAL
    As Charged
    OUTPATIENT BENEFITS
    Private Hospital
    WARD ENTITLEMENT

Details

Prudential Health Insurance PRUshield Review 2020

PRUShield is a crowd favourite as it offers the lowest premiums for Class A ward Integrated Shield Plans. Here are PRUShield's highlights:

  • Integrated Shield Plan with 3 tiers: PRUShield Standard, PRUShield Plus, PRUShield Premier.
  • Lifetime Coverage
  • Policy Yearly Limit ranging from S$600,000 to S$1.2 million for Plus and Premier respectively
  • Pre- and post-hospitalisation coverage of up to 180 days and 365 days respectively, for both PRUShield Plus and Premier.
  • 3 plan add-ons to help reduce your eventual out-of-pocket expenses by up to 95%, these are: PRUExtra Premier Copay, PRUExtra Preferred Copay, PRUExtra Premier Lite Copay
  • Overseas medical treatment available
  • Annual coverage of S$1.2 million not as high as some insurers offering S$1.5 million
Read More about Prudential PRUshield Health Insurance
Reviews (9)

4.8

9 Reviews

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    7
  • 4
    2
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Most HelpfulMost RecentLow to HighHigh to Low
  • Updated 3w ago

    Purchased

    PRUShield Plus

    [Customer Service] Agent was able to come down to my house to provide detailed information during the purchase process and during this period of time, he was quick to inform that Prudential covers Covid-19 which is good as we were quite worried about the coverage.
    0 comments
    0
  • [Claims Process] The claim process was fast and convenient. I reach out to my agent, send the documents to him via whatsapp and he will process it for me. It takes not more than 3 working days to settle. [Purchase Process] The purchase process was easy. My agent is able to come to my house at my own preference and explained the policy to me. A week later, he came again and gives me the policy documents. So convenient for me.
    0 comments
    0
  • [Customer Service] The customer service was friendly and polite. They were able to answer my queries and even assign an agent to me. No pressure at all. [Hidden Terms] There were no hidden terms as it was explained thoroughly by the agent, no complex words or sophisticated terms use here. All is simple and easy to understand.
    0 comments
    0
  • [Customer Service] Customer service is not about calling them about product terms or any other information. The agents are your customer service provider . Customer and agent bond trust is important. I am insured :)
    0 comments
    0
  • Updated on 26 Mar 2020
    easy to claim and highly recommended...rare gem in the market with low excess. No hidden terms and shady stuff!
    0 comments
    0
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Prudential Health Insurance PRUshield at a Glance

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

Types of Prudential PRUshield Plans

1. 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.

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 provided

3. PRUShield Standard

  • Ward Entitlement: 100% coverage on Restructured hospitals (Up to B1 class ward)
  • Benefits identical to other Standard IP

What does Prudential PRUShield Health Insurance Cover?

Benefits / Coverage

PRUShield Premier

PRUShield Plus

In patient treSurgical benefits (including Day Surgery)

  • Surgical Procedure
  • Organ Transplant benefit
  • Stem Cell Transplant Treatment
  • Surgical Implants / Approved Medical Consumables
  • Gamma Knife / Novalis Radiosurgery

as charged

as charged

Pre-Hospitalisation benefit

as charged up to 180 days before

as charged up to 180 days before

Post-Hospitalisation benefit

as charged up to 365 days after

as charged up to 365 days after

Outpatient Hospital benefits
(Chemotherapy, Renal Dialysis, etc)

as charged

as charged

Living Organ Donor Transplant Benefit

$60,000 per Policy Year

$40,000 per Policy Year

Overseas Medical Treatment

As charged (paying the lower of: the overseas charges; or in accordance with a Singapore Private Hospital’s charges)

As charged (paying the lower of: the overseas charges; or in accordance with a Singapore Private Hospital’s charges)

Add-on Riders and Payment Schemes for PRUShield

These additional supplementary plans are meant to help limit your out-of-pocket expenses to S$3,000 per policy year.

1. PRUExtra Plus CoPay

  • All Singapore Restructured Hospitals (Class A Ward)
  • 95% of Deductible covered 
  • 50% of Co-insurance covered
  • For PRUShield Plus Only
  • PRUPanel Connect additional benefits available

2. PRUExtra Premier Copay

  • All Singapore Private Hospitals
  • 95% of Deductible covered 
  • 50% of Co-insurance covered 
  • 20% Reward of staying healthy
  • For PRUShield Premier Only
  • PRUPanel Connect additional benefits available

3. PRUExtra Preferred Copay

  • Private Hospitals under Panel and Non-panel providers 
  • 95% of Deductible covered 
  • 50% of Co-insurance covered 
  • 20% Reward of staying healthy
  • For PRUShield Premier Only

4. PRUExtra Premier Lite CoPay

  • All Singapore Private Hospitals
  • 50% of Deductible covered  (up to $1,750 per policy year)
  • 50% of Co-insurance covered
  • For PRUShield Premier Only

Supplementary Plan

PRUExtra Premier CoPay

PRUExtra Preferred CoPay

PRUExtra Premier Lite CoPay

PRUExtra Plus CoPay

Eligibility

for premier plan

for premier plan

for premier plan

for plus plan

Hospital & Ward Entitlement

All Singapore Private Hospitals

Singapore Private Hospitals under our Panel or Non-panel providers

All Singapore Private Hospitals

All Singapore Restructured Hospitals (Class A Ward)

PRUShield Deductible

Covers 95% of Deductible Amount.

Covers 95% of Deductible Amount.

Covers 50% of Deductible Amount. You will cover remaining 50%, subject to a maximum of $1,750 per policy year.

Covers 95% of Deductible Amount

PRUShield Co-insurance

Covers half of Co-insurance.

Covers half of Co-insurance.

Covers half of Co-insurance.

Covers half of Co-insurance.

Stop-loss

S$3,000 for Panel providers

S$3,000 for Panel providers

S$3,000 for Panel providers

S$3,000 for Panel providers

Subject to Claims-Based Pricing (CBP)

Yes

Yes

No

No

PRUPanel Connect

Available

Available

Not Available

Not Available

Cost of Premiums for aged 30

S$515

S$361

S$249

S$225

Deductible = a fixed amount to be paid by a policyowner before the MediShield Life and PRUShield benefits are payable.

Co-insurance = a percentage of the claimable amount that a policyowner needs to co-pay after deductible

What is PRUPanel Connect?

PRUPanel connect is a host of additional benefits applicable for those who opt for either PRUExtra Premier CoPay or PRUExtra Preferred CoPay. These 2 plans are private hospital plans. Policyholders with any of these 2 plans will automatically qualify for PRUPanel Connect for free.

Benefits of PRUPanel Connect:

  1. Appointment Booking - for Prudential's Panel of healthcare providers
  2. Concierge Service - to offer help for any PRUShield related enquiries
  3. Enhanced Letter of Guarantee - get a higher LOG amount
  4. Pre-Authorisation Letter - if not eligible for LOG, you may still apply for a pre-authorisation letter
  5. Transport - receive complimentary taxi voucher or hospital parking coupon from PRUPanel Connect
  6. Others - discounts for selected products and services from PRUPanel Connect Private Hospitals

How much does PRUShield cost?

Here, we breakdown the approximate premiums for Prudential PRUShield into 3 age groups

Premiums for PRUShield Premier:

for Singapore Citizens & Permanent Residents

Age Next Birthday

21 - 25 years old

26 - 30 years old

31 - 40 years old

41 - 50 years old

Annual Premium for PRUShield Premier

$209

$245

$327

$654

Premiums for PRUShield Plus

for Singapore Citizens & Permanent Residents:

Age next birthday

21 - 30 years old

21 - 35 years old

36 - 40 years old

41 - 45 years old

Annual Premium for PRUShield Plus

$56

$82

$107

$140

Is Prudential PRUShield the Best Health Insurance Shield Plan for You?

Prudential's PRUShield Plus has the lowest premiums for Class A ward Integrated Shield Plans. This crowd favourite is great for people who are looking for more comfort in a public hospital.

Eligibility: Who can apply for PRUShield?

  • Citizenship Status: Singaporeans and Permanent Residents
  • Age: up to 75 years of Age, Foreigners up to 55 years of age

Prudential Health Insurance PRUshield Quote

  • Visit Prudential Health Insurance website for more details on the coverage, exclusions, and quote

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.