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Prudential PRUShield Integrated Shield Plan

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  • Reviews (16)
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Health Insurance/Prudential PRUShield Integrated Shield Plan
Health Insurance/Prudential PRUShield Integrated Shield Plan
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Plans (3)

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  • PRUShield Integrated Shield Plan Premier

    $1,200,000

    LIMIT PER POLICY YEAR

    180 / 365 days

    PRE & POST HOSPITAL

    As Charged

    OUTPATIENT BENEFITS

    Private Hospital

    WARD ENTITLEMENT

  • PRUShield Integrated Shield Plan Plus

    $600,000

    LIMIT PER POLICY YEAR

    180 / 365 days

    PRE & POST HOSPITAL

    As Charged

    OUTPATIENT BENEFITS

    A Class and below

    WARD ENTITLEMENT

  • PRUShield Integrated Shield Plan Standard

    $150,000

    LIMIT PER POLICY YEAR

    N/A

    PRE & POST HOSPITAL

    Subject to Treatment

    OUTPATIENT BENEFITS

    B Class and below

    WARD ENTITLEMENT

PRUShield Integrated Shield Plan Premier

$1,200,000

LIMIT PER POLICY YEAR

180 / 365 days

PRE & POST HOSPITAL

As Charged

OUTPATIENT BENEFITS

Private Hospital

WARD ENTITLEMENT

Details

Prudential PRUshield Integrated Shield Plan Review 2021

The PRUShield Integrated Shield Plan health insurance 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 Integrated Shield Plan
Reviews (16)

4.7

16 Reviews

  • 5
    12
  • 4
    3
  • 3
    1
  • 2
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  • 1
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    Most HelpfulMost RecentLow to HighHigh to Low
      02 Jul 2021

      Purchased

      PRUShield Integrated Shield Plan Premier

      my trustable agent recommend this policy to me which i think that the coverage is enough for myself and easy to claim through prudential website

      0

      Reply

      28 Dec 2020

      Purchased

      PRUShield Integrated Shield Plan Premier

      [Customer Service] [Agent Responsiveness] Bought it mainly for emergency in case of critical illness and for hospitals and endowment fund. Agent was very responsive in follow up and throughout the whole process.

      0

      Reply

      17 Aug 2020

      Purchased

      PRUShield Integrated Shield Plan Standard

      [Agent Responsiveness] My agent is very responsive! He recommend good advice and options. We make a good relationship from continuous engagement yearly. [Insurance Coverage] Coverage is well tailor to my needs.

      0

      Reply

      22 Jul 2020

      Purchased

      PRUShield Integrated Shield Plan Premier

      Hi bought the pru shield for more than 8 yrs ... & had more than 4 agents. The claims process is fast ... but no repeated follow up from Agent unless you contact them .. then u realized either they left or another new agent took over. [Agent Responsiveness]

      0

      Reply

      16 Jul 2020

      Purchased

      PRUShield Integrated Shield Plan Standard

      [Insurance Coverage] Covers a relatively broad range of health conditions [Claims Process] Yet to claim. But accident coverage claim was fuss free for me. [Agent Responsiveness] Thankful for my agent who is very responsive, genuine and over time became well acquainted with.

      0

      Reply

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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.

      Contact us at [email protected] should you require any assistance or spot any inaccuracies