Prudential PRUShield Integrated Shield Plan
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This product has not been claimed by the company yet.
Summary
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
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This product has not been claimed by the company yet.
Summary
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
Plans (3)
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
4.2
19 Reviews
Most Helpful
Posted 05 Feb 2023
Purchased
PRUShield Integrated Shield Plan Premier
mehhhhhhhh cannot cannot cannot insure anything to do with breast just because I did screening before and found that I had non cancerous calcifications back in 2014. Recently done another mammogram also no issues with the calcifications.0
What are your thoughts?Posted 29 Sep 2022
Purchased
PRUShield Integrated Shield Plan Premier
I deeply regretted buying Prudential's integrated shield plan. I went to the panel doctor, managed to get my gastroscopy procedure completed asap. However the claims process was a nightmare! The only good that prudential did was to pay the hospital promptly. Compared to AIA, prudential's website was so damn outdated. My hospitalization records did not show up on prudential's website hence I was unable to submit my outpatient claims at all. Then prudential website kept showing my claims as "Settled declined" and my 1st 70 years old financial consultant, was unresponsive and even told me that $1000+ was considered cheap. I called the customer service who told me that CPF had rejected my claim. I was so angry that I nearly wanted to terminate my plan at first! Then 2 months later, I decided to change agent who was 3 years in the business but gave me good advice to check with the hospital directly. Prudential had managed to pay my hospitalization way back in June 2022! But their website still showed that my claims were rejected. This time I called and emailed the customer service. The customer service who called me, apparently did not have access to emails! But on the other hand, the customer service who replied my email, stated that they had forwarded to the relevant department which I presumed was rubbish bin. I visited the physical customer service office at Marina One and the customer service agent told me that he needed to check with the relevant department too! Update: I finally managed to have my outpatient claims approved after escalating to Firdec. Tip for those unlucky ones who are stuck in the same situation as me, state in your email header to prudential as "Complaint about claims process". Firdec accepts complaints but you must give the insurer a 1 month's grace which is reasonable.0
What are your thoughts?Posted 15 Jun 2022
Purchased
PRUShield Integrated Shield Plan Plus
Tricia Leexy run from this woman. She is liar, untrustworthy and unprofessional. Do not trust her. She can do everything for money.0
What are your thoughts?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 website0
What are your thoughts?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
What are your thoughts?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
What are your thoughts?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
What are your thoughts?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
What are your thoughts?15 Jul 2020
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. [Customer Service] [Insurance Coverage] [Agent Responsiveness]0
What are your thoughts?15 Jul 2020
Purchased
PRUShield Integrated Shield Plan Plus
[Insurance Coverage] Pretty much everything except only can choose public / government hospitals. I also pay rider to max to avoid paying full fee with extra cash . Better have it just for emergency.0
What are your thoughts?
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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)
| 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 | 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%Â of Deductible coveredÂ
- 50%Â of Co-insurance covered
- For PRUShield Plus Only
- PRUPanel Connect additional benefits available
2. PRUExtra Premier Copay
- All Singapore Private Hospitals
- 95%Â of Deductible coveredÂ
- 50%Â of Co-insurance coveredÂ
- 20%Â Reward of staying healthy
- For PRUShield Premier Only
- PRUPanel Connect additional benefits available
3. PRUExtra Preferred Copay
- Private Hospitals under Panel and Non-panel providersÂ
- 95%Â of Deductible coveredÂ
- 50%Â of Co-insurance coveredÂ
- 20%Â 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%Â 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:
- Appointment Booking - for Prudential's Panel of healthcare providers
- Concierge Service - to offer help for any PRUShield related enquiries
- Enhanced Letter of Guarantee - get a higher LOG amount
- Pre-Authorisation Letter - if not eligible for LOG, you may still apply for a pre-authorisation letter
- Transport - receive complimentary taxi voucher or hospital parking coupon from PRUPanel Connect
- 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
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