Prudential PRUShield Integrated Shield Plan

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?

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

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

Premiums for PRUShield Plus

for Singapore Citizens & Permanent Residents:

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