Best Prudential Health Insurance Plans Singapore 2020

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Post-Hospitalisation Benefit

365 days

Post-Hospitalisation Benefit
Best For Young Individuals & Covers COVID-19
Max. Annual Coverage Limit
Pre-Hospitalisation Benefit
180 days
Post-Hospitalisation Benefit
365 days
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Prudential PRUShield coverage

PRUShield is an integrated shield plan from Prudential. It has 3 different types of plans: Premier plan, Plus plan and Standard plan. It is a good option for young individuals who are of good health and looking for high ward coverage. The PRUShield provides extensive coverage for hospitalisation and surgery along with other benefits. It provides 180 days of pre and post hospitalisation cover and also has a relatively high annual coverage limit.

PRUShield plans available

Hospital wardAnnual coverage limit
Premier PlanPrivate hospital$1,200,000
Plus PlanClass A$600,000
Standard PlanClass B1$150,000

Why Prudential PRUShield?


PRUShield provides consumers with a selection of riders to choose from to boost their coverage. There are 3 different riders for their Premier plan and 1 rider for their Plus plan. This gives consumers the option to customise their private health insurance plan.

Letter of Guarantee

Prudential offers an electronic Letter of Guarantee of up to S$10,000. A Letter of Guarantee is an assurance of payment offered by the insurer to hospitals for part of the hospital bill covered by insurance. This will help to prevent high upfront costs and help to make your hospital admission process easier.

Prudential Integrated Shield Plan riders

Riders are available for the PRUShield Plus and Premier plan to help reduce your out-of-pocket cost. Prudential offers three riders for the Premier plan: PruExtra Premier Copay, Preferred CoPay and Lite Copay. As for the Plus plan, one rider called the PruExtra Plus CoPay is offered.

PruExtra Plus Copay

The PruExtra Plus Copay rider will take care of 50% of your co-insurance and 95% of your deductible. It also includes benefits such as $3,000 for alternative medicine benefit, $3,000 for special appliances/prosthesis benefit and ambulance fees of $150 per injury.

PruExtra Premier Copay

The PruExtra Premier Copay has the same benefits as the PruExtra Plus Copay, but it is for those with the Premier plan. So it will cover 50% of your co-insurance and also 95% of your deductible along with other benefits such as alternative medicine coverage, special appliances/prosthesis benefit and ambulance fee coverage of $150 per injury.

Premier Copay Lite

The Premier Copay Lite rider covers 50% of your deductible and 50% of your co-insurance. However, it does not offer benefits such as parental accommodation, alternative treatment or prosthesis benefits.

PruExtra Preferred CoPay

PruExtra Preferred CoPay is similar to the other riders available for the Premier plan and extends its medical expenses coverage to private hospitals. It covers 95% of your deductible and 50% of your co-insurance. If you visit one of Prudential’s panel providers, there is an annual limit of $3,000 on your out-of pocket costs.

Prudential health insurance Claim process

Step 1Complete the claim form

Head to the Prudential website to find pdf versions of the relevant claim forms for your claim. The claim submissions are divided into various sections such as for hospital treatments, emergency medical treatments, pre and post hospitalisation treatment. Within each of the sections, you can also find out what are the other documents necessary for you to submit your claim.

Step 2Submit the claim

Submit your completed claim forms along with supporting documents through your Financial consultant or via the Customer service center. Alternatively, you can mail the forms and documents. For hospitalisation claims, you can submit an electronic claim by completing the Claim Form for your Medisave Approved Integrated Plan at the hospital or clinic you visited.

Frequently asked questions

Is the Prudential PRUShield payable by medisave?

Yes, it is payable by MediSave. This is the same for all other integrated shield plans.

Does the premiums of the Prudential PRUShield increase with age?

Yes, the premiums will increase with age as premiums will be based on the age bracket you fall under. This applies for all the integrated shield plans.

Can I get multiple Prudential integrated shield plans to increase my coverage?

No, you are only allowed to have a maximum of one integrated shield plan regardless of which private insurer you are under.

Is the quoted premium an additional amount I have to pay besides my MediShield Life plan?

No, the premiums for your integrated shield plan is for both your MediShield Life and the private insurer coverage.