Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. All health insurance products featured on this page will involve an independent financial advisory firm called PromiseLand. This third-party company will be reaching out to you directly regarding your enquiries. The details you see on our site may be different from others. Some content may be compensated through third-party advertisers. However, the results of our comparison tools which are not marked as sponsored are based on objective analysis. All financial products and services are presented without warranty.
Prudential Singapore offers 12 categories of insurance policies for individuals, businesses, and expats, spanning health and an Integrated Shield Plan (IP), personal accident, critical illness, disability, life, home, retirement, education, savings and investment, group insurance plans for businesses, and international health insurance plans for expats.
Prudential PRUShield is an Integrated Shield Plan (IP) offered by Prudential Singapore. There are 3 different plan types, namely the Premier for access to private and public hospitals, Plus for access to class A wards and below in public restructured hospitals, and Standard for class B1 wards and below in public restructured hospitals. PRUShield is an affordable option for young individuals who are of good health and looking for competitive coverage.
|Prudential PRUShield Plans||Hospital Wards||Annual Coverage Limit|
|Prudential PRUShield Premier||Singapore Private Hospitals||S$1,200,000|
|Prudential PRUShield Plus||Singapore Restructured Hospital (Class A Ward)||S$600,000|
|Prudential PRUShield Standard||Singapore Restructured Hospital (Class B1 Ward)||S$150,000|
Riders are available for the PRUShield Premier and Plus plans to help reduce your out-of-pocket co-insurance costs. Prudential offers 3 riders for PRUShield Premier policyholders, namely the PRUExtra Premier CoPay, PRUExtra Preferred CoPay, and PRUExtra Lite CoPay. For PRUShield Plus policyholders, there's 1 rider available – the PRUExtra Plus CoPay. There are no riders available for the PRUShield Standard policyholders.
|Prudential PRUShield Benefits||Exclusions|
|Confinement in Community Hospital||While your PRUShield insurance plan may offer you full "As Charged" coverage for community hospital stays, do note that your stay will only be claimable upon referral to the community hospital from your main inpatient hospital stay's doctor. You will also have to be directly transferred from your inpatient hospitalisation stay to the community hospital.|
|Stem Cell Transplant Treatment||While your PRUShield plan may indicate "As Charged" coverage for stem cell transplant treatments, do note the your treatment will only claimable if you are undergoing stem cell transplant treatment because of Leukaemia, Thalassemia Major and Lymphoma after not responding to other treatments such as chemotherapy, radiotherapy or surgery.|
|Overseas Medical Treatment||As with all Integrated Shield Plans (IPs) available on the market right now, the overseas medical treatment benefit is only claimable if you were caught in an emergency life-or-death medical situation abroad. You will have to seek treatment at a pre-authorised hospital or medical provider wherever you are worldwide. This benefit does not include emergency medical evacuation or repatriation. If claimable, you will only receive the local hospitals' equivalent of the hospitalisation and treatments' prices.|
|Post-Hospitalisation Treatments||Post-hospitalisation treatments' coverage excludes all alternative medicine modalities, such as Traditional Chinese Medicine, Chiropractic, and Osteopathic treatments.|
|Outpatient Cancer Treatments||Outpatient cancer treatment benefits excludes newer modalities such as Cell, Tissue, and Gene Therapy, and Proton Beam Therapy.|
|Short Stay Ward||You have to stay in the hospitalisation ward for a minimum of 8 hours in order to have your short hospitalisation claimable.|
|Organ Transplant||The living organ transplant or organ donation benefit only covers the kidney and/ or liver.|
|Pre-Existing Conditions||All PRUShield plans do not cover any pre-existing medical conditions you have been diagnosed with prior to your policy start date unless declared, stated, and specifically accepted by Prudential.|
|COVID-19||All PRUShield plans do not cover any form of medical expenses related to COVID-19, or any travellers who have travelled out of Singapore and may be at risk of COVID-19 after 27 March 2020.|
PRUShield is Prudential's flagship health and hospitalisation insurance plan, and is an Integrated Shield Plan (IP) meant to supplement Singaporeans and Permanent Residents' (PRs) MediShield Life health insurance plan provided by Singapore's Ministry of Health. PRUShield increases your annual coverage limit up to S$1.2 million for hospitalisation and medical treatment expenses such as surgeries, organ transplant, outpatient chemotherapy, radiotherapy, immunotherapy, kidney dialysis treatments. Other benefits include 180 days pre-hospitalisation coverage, 365 post-hospitalisation coverage, pregnancy complications (for female individuals), coverage for short stay wards, day surgeries, and community hospital stays. It has one of the most affordable annual premiums for private hospital plans with competitive benefits.