What is PRUShield health insurance in Singapore?

PRUShield is Prudential's Integrated Shield Plan that builds on MediShield Life to provide higher ward classes, greater coverage limits (up to S$1.2 million annually), and access to private hospitals. It covers Singapore Citizens, PRs, and eligible foreigners up to age 75.

How much does PRUShield cost in Singapore?

Premiums depend on your age at entry, health status, plan tier (Standard/Plus/Premier), smoker status, and optional riders. Younger, healthier applicants pay lower premiums. Use MediSave to pay premiums up to CPF-allowed limits. For personalised quotes, consult a MoneySmart financial advisor .

What is the difference between PRUShield Standard, Plus, and Premier?

Standard: Public hospital B1 wards and below, S$150,000 annual limit Plus: Public hospital A wards, S$600,000 annual limit Premier: Private hospital standard rooms, S$1,200,000 annual limit Plus and Premier plans cover most treatments "As Charged" (full bill up to annual limits).

Can I pay for PRUShield using MediSave?

Yes, PRUShield premiums can be paid using MediSave up to CPF-allowed limits. This reduces your cash outlay while maintaining coverage.

How do I file a cashless claim with PRUShield?

To file a cashless claim with PRUShield, you’ll need to: Book your appointment via PRUPanel Connect. Your provider submits pre-authorisation to Prudential and you receive an electronic Letter of Guarantee (eLOG). At discharge, Prudential pays the hospital directly You sign settlement forms without upfront payment (PRUExtra rider required). If you don’t have a PRUExtra rider, you can still claim by paying bills upfront first before filing for reimbursement. Ensure all necessary documents are submitted (e.g. doctor’s memo, discharge summary, original bill) and banks will payout within 2–4 weeks.

What are the main exclusions under PRUShield?

Main PRUShield exclusions include: Pre-existing conditions (unless declared and accepted), Cosmetic or elective procedures, Self-inflicted injuries, Experimental treatments not approved by Singapore medical authorities, and General GP visits unrelated to covered admissions are excluded. Always review full exclusions in your policy documents.

Can I renew my PRUShield policy after age 75?

Most PRUShield plans are renewable up to age 75. Renewal beyond 75 depends on specific plan terms, so check your policy documents or consult your financial advisor for age limit details.

Does making a claim increase my PRUShield premium?

Yes, PRUShield uses claims-based pricing. Premiums may increase at renewal if you've made claims. If you don't claim, premiums rise only due to age-band changes.

Can I upgrade or downgrade my PRUShield plan?

You can apply to upgrade (Standard → Plus → Premier) or downgrade at policy anniversaries, subject to underwriting. Upgrades may exclude new pre-existing conditions diagnosed since original application. Downgrades are generally easier but you lose higher-tier benefits.

Why Choose Prudential Health Insurance in Singapore

Protect your family's health and financial security with Prudential's PRUShield Integrated Shield Plans. These plans offer flexible coverage from public B1 wards to private hospital rooms, backed by MAS regulation and decades of trusted service. With PRUExtra riders, your co-insurance is slashed to just 5%, and comprehensive benefits cover everything from cancer treatments to overseas emergencies, giving you peace of mind that scales with your needs.

Get your personalised health insurance plan here →

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What is Prudential Health Insurance in Singapore?

Prudential's PRUShield Integrated Shield Plans are designed to bridge the gap between Singapore's basic MediShield Life coverage and the actual costs of quality healthcare. While MediShield Life covers only Class B2/C wards in public hospitals with significant co-payment, PRUShield steps in with three tiers:

PRUShield Standard (public B1 and below),
PRUShieldPlus (public Class A), and
PRUShield Premier (private hospitals).

Each offers progressively higher coverage limits, "As Charged" benefits, and access to better ward classes.

Integrated shield plans (IP) vs Private Health Insurance: Key Differences

Feature	Integrated Shield Plan (e.g. PRUShield)	Private health insurance
FeaturePremiums	Integrated Shield Plan (e.g. PRUShield)Moderate; can use MediSave (up to limits)	Private health insuranceHigher; typically no MediSave payment
FeatureCoverage scope	Integrated Shield Plan (e.g. PRUShield)Builds on MediShield Life; covers public + private hospitals	Private health insuranceStandalone; usually private hospitals only
FeatureMAS regulation	Integrated Shield Plan (e.g. PRUShield)Strictly regulated by MAS; standardised benefits	Private health insuranceLess regulated; benefits vary widely
FeaturePortability	Integrated Shield Plan (e.g. PRUShield)Can switch to other IPs during annual review	Private health insuranceLock-in periods; switching harder
FeatureCo-payment	Integrated Shield Plan (e.g. PRUShield)Deductible + co-insurance (5-10%); riders reduce to 5%	Private health insuranceVaries; often higher out-of-pocket
FeatureBest for	Integrated Shield Plan (e.g. PRUShield)Singaporeans, PRs, and eligible foreigners seeking comprehensive, flexible coverage	Private health insuranceExpats, high-net-worth individuals seeking premium services

Meet our financial advisors

You don’t need to do this alone. Our advisors are here to help you plan it right.

Our advisors aren’t here to push plans. They’re here to understand your life, answer your questions, and help you protect what matters most.
Meet our MDRT-qualified specialist and his team.

Edwin Ooi

Senior Financial Advisory Manager, MDRT-qualified specialist

‘My focus is to always provide advice through a “needs-based” approach, and help clients integrate their insurance plans with their overall financial planning.’

Estelle Lim

Financial Advisory Specialist

‘I’m all about making money matters feel less scary and way more doable. I love getting to know people, keeping things real, and making sure you feel totally supported (and never overwhelmed) when it comes to planning for your future.’

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What you should know about Prudential

Prudential iPay is Prudential's own online payment portal for policyholders to pay for their premiums safely and conveniently via DBS or POSB GIRO, credit card, or eNETS payments. If you intend to purchase a prudential policy, do note that you are not allowed to hand or transfer cash to your insurance agent.

PRUaccess is a website for Prudential policy owners to:

View their policy or personal Information
View or print their annual premium summary
Update their contact details
Perform eligible online transactions
Generate revised benefit illustration
View and download e-Documents

Prudential Health Insurance Plans

PruShield Health Insurance Plans: Comparison

Prudential's PRUShield and PRUExtra offerings cater to a variety of needs—whether you're focused on affordability, enhanced public hospital comfort, or private hospital access. The tables below break down the core PRUShield plans and available PRUExtra riders, highlighting main benefits and ideal profiles to make your decision clear.

Feature	PRUShield Standard	PRUShield Plus	PRUShield Premier
Hospital type / Ward	Public (B1 and below)	Public (A and below)	Private (Standard room and below)
Inpatient daily ward charges	S$1,700 per day	As charged	As charged
ICU charges	S$2,900 per day	As charged	As charged
Surgical procedures	Up to S$590–S$16,720	As Charged	As Charged
Pre- / Post-hospitalisation	N/A	180 days pre-, 365 days post-, as charged	180 days pre-, 365 days post-, as charged
Community Hospital	S$650 per day	As charged	As charged
Outpatient treatment (Cancer / Kidney)	Chemotherapy: S$5,200 per month Dialysis: S$2,750 per month	As charged	As charged
Annual coverage limit	Up to S$150,000	Up to S$600,000	Up to S$1.2 million
Unique features	Basic, MediShield Life aligned	Enhanced public hospital coverage	Full private hospital & top-tier coverage
Persona fit	Cost-conscious, simple needs	Families, working adults	Maximum comfort, retiree, international coverage

Disclaimer: All plan types support claims-based pricing; premiums may rise only if you claim. Panel and cashless services are available with riders across all PRUShield tiers.

Note: PRUShield does not cover the following:

Pre-existing conditions (unless declared and accepted at application),
Cosmetic or elective procedures,
Self-inflicted injuries,
Experimental treatments not approved by Singapore medical authorities, or
General GP visits unrelated to covered admissions.

Full exclusions are listed in your policy documents.

PRUExtra Premier CoPay

Includes up to 20% premium discount for no-claim policy years

PRUExtra Preferred CoPay

Alternative option for Premier policyholders

PRUExtra Plus CoPay

Designed for enhanced public hospital coverage

Prudential PRUShield Integrated Shield Plan Riders

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 are 2 riders available – the PRUExtra Plus CoPay and PRUExtra Plus Lite CoPay.

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 S$3,000 for alternative medicine benefit, S$3,000 for special appliances or prosthesis benefit, and ambulance benefit of S$150 per injury.

PRUExtra Premier CoPay

The PRUExtra Premier CoPay covers your medical expenses at all Singapore private and restructured hospitals. It also covers 95% of your deductibles and 50% of your co-insurance, with a S$3,000 annual limit on out-of-pocket expenses if you go to a Panel Provider. It can only be added to PRUShield Premier only and it comes with access to PRUPanel Connect.

PRUExtra Premier Lite CoPay

The PRUExtra 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 nor prosthesis benefits.

PRUExtra Plus Lite CoPay

The PRUExtra Plus Lite CoPay covers 50% of your deductibles (up to S$1,750 per policy year) and half of your co-insurance. However, it does not offer benefits such as parental accommodation, alternative treatment nor prosthesis benefits.

PRUExtra Preferred CoPay

PRUExtra Preferred CoPay is similar to the other riders available for PRUShield Premier plans 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 S$3,000 on your out-of pocket costs.

Young families

PRUShield Plus + PRUExtra Plus CoPay

Why this plan?

Class A wards balance quality pediatric care with affordability (½ of private hospital costs)
Coverage grows with family where you can add newborns without re-application
Cashless claims eliminate upfront payment stress while juggling childcare logistics

SME & business owners

PRUShield Premier + PRUExtra Premier CoPay

Why this plan?

Private hospital speed gets you back to work in days, not weeks
Critical illness riders replace lost income if you’re unable to work for months
S$1.2 million limit means health crisis won’t force business asset liquidation or partner buyouts

Pre-retirees & seniors (Age 50+)

PRUShield Standard or Plus + PRUExtra Preferred CoPay

Why this plan?

To lock in cheaper premiums before age 65 and insurability declines
Rider's 5% co-insurance cap is critical as chronic conditions emerge in the 60s/70s
Renewable to age 75 locks coverage through statistically highest-need decades when switching becomes impossible

Budget-conscious individuals

PRUShield Standard (rider optional)

Why this plan?

S$150,000 limit adequate to cover 90% of common hospitalisations, and other concerns like appendectomies, fractures, and childbirth
Skip rider initially to minimise costs, and add later when income stabilises

Prudential Mental Wellness Support

All PRUShield policyholders can access Prudential's Mental Wellness Programme at no charge. Simply complete a confidential PHQ-9 mental health assessment online through PRUServices and results will be emailed immediately.

If further support is recommended, book a GP consultation at a Raffles Medical clinic (from $24, excluding GST) or see a specialist if referred (from $250, excluding GST). Your mental health records remain confidential between you and Raffles Medical.

Meet our financial advisors

You don’t need to do this alone. Our advisors are here to help you plan it right.

Our advisors aren’t here to push plans. They’re here to understand your life, answer your questions, and help you protect what matters most.
Meet our MDRT-qualified specialist and his team.

Edwin Ooi

Senior Financial Advisory Manager, MDRT-qualified specialist

‘My focus is to always provide advice through a “needs-based” approach, and help clients integrate their insurance plans with their overall financial planning.’

Estelle Lim

Financial Advisory Specialist

Speak to our Financial Advisors

What our customers say

4.4 rating of 2099 reviews

Edwin Ooi, from MoneySmart, is the most helpful, patient, knowledgeable and trustworthy adviser I have worked with. He went above and beyond to answer all my questions and his patience truly was extraordinary. I highly recommend Edwin if you need reliable assistance with health insurance.

Edwin Ooi helped me with a health insurance policy subscription, 100% recommend.

It was very pleasant experience working with money smart advisor related to health insurance product. Edwin who was the advisor was very responsive and was very resourceful. Thanks and keep up the good work

Step 1

Get a quote from MoneySmart advisors

The best way to find the right PRUShield plan is to start with a conversation with our licensed MoneySmart financial advisors.

Whether it’s PRUShield Standard for cost-conscious coverage to Premier for full private hospital access, they’ll assess and walk you through your health needs, family situation, budget, and long-term goals to recommend the most suitable plan.

Step 2

Review eligibility & prepare documents

Before submitting your application, confirm you meet Prudential's basic eligibility criteria:

Singapore Citizen, PR, or eligible foreigner
Up to 75 years old; plan limits apply

Gather these documents too:

NRIC or passport
Income proof (payslips, tax returns)
Medical records for pre-existing conditions (if applicable)

Step 3

Submit application

Your advisor will guide you through the application form, ensuring all health declarations are accurate and complete.

Honest disclosure is critical, since undisclosed conditions may lead to claim rejections later.

Step 4

Complete medical checks

Depending on your age, health history, and selected coverage amount, Prudential may require:

Blood tests or urine samples
Medical examination by an approved panel doctor
Specialist reports for specific conditions

Your advisor will coordinate scheduling and explain what's needed.

Step 5

Underwriting, review, & first payment

Prudential will assess your application, medical information, and the whole underwriting review will take between 2–4 weeks.

Upon approval (standard, with exclusions / loadings, or rare decline), make your first payment via credit / debit card, GIRO, MediSave (up to CPF limits), or online banking.

Step 6

Policy delivery, access, & free-look period

Receive policy documents digitally or by mail. Access PRUServices online to view coverage, submit claims, and manage your policy. You have 14 days to review all terms and cancel for a full refund if the plan doesn't meet your needs.

Why Prudential PRUShield?

PRUShield provides consumers with a selection of riders to choose from to boost their coverage. There are 3 different riders for policyholders on the PRUShield Premier plan, and 2 riders for policyholders on the PRUShield Plus plan. This gives consumers the option to lower the 10% co-insurance cash payment to 5%, and to customise their private health insurance plan according to any additional health needs.

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.

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Not sure if you have enough hospitalisation coverage? Reach out to our professional financial advisors and compare health insurance plans across Singapore's top insurers—free, and no pressure to buy.

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Other Factors Affecting Costs of Health Insurance Premiums

Setting realistic expectations about what you'll pay for PRUShield coverage (and what influences those costs) helps you budget confidently and choose the right plan for your long-term needs.

Age at entry

Premiums are lowest when you’re young and increase with age. Lock in coverage early to lower lifetime costs of premiums.

Health & medical history

Prudential assesses your current health and pre-existing medical conditions during underwriting. Outcomes include:

Standard premiums,
Premiums loading for chronic conditions (e.g. diabetes, hypertension),
Exclusions for specific conditions, or
Rare decline

Smoker status

Smokers pay higher premiums. Quitting may qualify you for reduced rates after 12 months smoke-free.

Claims-based pricing

If you make claims, your premium may increase at your next renewal. No claims? Your premium rises only due to age-band changes.

How to File Prudential Health Insurance Claims

Avoid these mistakes for a seamless policy claim:

Missing pre-authorisation forms (private hospitals)
Incomplete documentation
Undisclosed pre-existing conditions
Using non-panel providers (may face claim caps or higher out-of-pocket costs)

Cashless claims (Panel hospitals + PRUExtra rider)

Book appointment via PRUPanel Connect
Provider submits pre-authorisation to Prudential
Receive electronic Letter of Guarantee (eLOG)
At discharge, sign settlement forms and Prudential will pay hospital directly

Reimbursement claims (Non-panel or without rider)

Pay hospital bill at discharge
Collect original bills, discharge summary, doctor’s memo
Submit via PRUServices app, MoneySmart financial advisor, or Prudential office
Track claim status online
Receive bank payout within 2–4 weeks

How to Renew Your Prudential Health Insurance

To update your Prudential health insurance, you can do so via PRUServices App or financial advisor:

Add / remove beneficiaries
Update contact information
Change payment methods (credit card, GIRO)
Request plan upgrades / downgrades (subject to underwriting)
Add riders at policy anniversaries (requires underwriting)

Remember, you have a 30-day grace period after the premium due date before policy lapses.

But if you’re looking to renew your Prudential health insurance policy, there are two methods to consider:

Method #1: Annual renewal process

PRUShield renews automatically each year up to age 75
Premium recalculates based on age band and claims experience
Renewal notice sent 30-60 days before anniversary
30-day grace period for premium payment

Method #2: Premium changes at renewal

Age increases → premium rises (age-band pricing)
Claims filed → premium may increase (claims-based pricing)
No claims → premium rises only due to age

Get your personalised health insurance plan here →

Get Quote

FAQs About Prudential Health Insurance in Singapore

What is PRUShield health insurance in Singapore?: PRUShield is Prudential's Integrated Shield Plan that builds on MediShield Life to provide higher ward classes, greater coverage limits (up to S$1.2 million annually), and access to private hospitals. It covers Singapore Citizens, PRs, and eligible foreigners up to age 75.
How much does PRUShield cost in Singapore?: Premiums depend on your age at entry, health status, plan tier (Standard/Plus/Premier), smoker status, and optional riders. Younger, healthier applicants pay lower premiums. Use MediSave to pay premiums up to CPF-allowed limits.

For personalised quotes, consult a MoneySmart financial advisor.
What is the difference between PRUShield Standard, Plus, and Premier?: Standard: Public hospital B1 wards and below, S$150,000 annual limit

Plus: Public hospital A wards, S$600,000 annual limit

Premier: Private hospital standard rooms, S$1,200,000 annual limit

Plus and Premier plans cover most treatments "As Charged" (full bill up to annual limits).
Can I pay for PRUShield using MediSave?: Yes, PRUShield premiums can be paid using MediSave up to CPF-allowed limits. This reduces your cash outlay while maintaining coverage.
How do I file a cashless claim with PRUShield?: To file a cashless claim with PRUShield, you’ll need to:

Book your appointment via PRUPanel Connect.

Your provider submits pre-authorisation to Prudential and you receive an electronic Letter of Guarantee (eLOG).

At discharge, Prudential pays the hospital directly

You sign settlement forms without upfront payment (PRUExtra rider required).

If you don’t have a PRUExtra rider, you can still claim by paying bills upfront first before filing for reimbursement. Ensure all necessary documents are submitted (e.g. doctor’s memo, discharge summary, original bill) and banks will payout within 2–4 weeks.
What are the main exclusions under PRUShield?: Main PRUShield exclusions include:

Pre-existing conditions (unless declared and accepted),

Cosmetic or elective procedures,

Self-inflicted injuries,

Experimental treatments not approved by Singapore medical authorities, and

General GP visits unrelated to covered admissions are excluded.

Always review full exclusions in your policy documents.
Can I renew my PRUShield policy after age 75?: Most PRUShield plans are renewable up to age 75. Renewal beyond 75 depends on specific plan terms, so check your policy documents or consult your financial advisor for age limit details.
Does making a claim increase my PRUShield premium?: Yes, PRUShield uses claims-based pricing. Premiums may increase at renewal if you've made claims. If you don't claim, premiums rise only due to age-band changes.
Can I upgrade or downgrade my PRUShield plan?: You can apply to upgrade (Standard → Plus → Premier) or downgrade at policy anniversaries, subject to underwriting. Upgrades may exclude new pre-existing conditions diagnosed since original application. Downgrades are generally easier but you lose higher-tier benefits.

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Why Choose Prudential Health Insurance in Singapore

Get your personalised health insurance plan here →

What is Prudential Health Insurance in Singapore?

Integrated shield plans (IP) vs Private Health Insurance: Key Differences

Meet our financial advisors

What you should know about Prudential

Prudential iPay

Prudential Customer Portal – PRUaccess

Prudential Health Insurance Plans

PruShield Health Insurance Plans: Comparison

PRUShield rider options

PRUExtra Premier CoPay

PRUExtra Preferred CoPay

PRUExtra Plus CoPay

Prudential PRUShield Integrated Shield Plan Riders

PRUExtra Plus CoPay

PRUExtra Premier CoPay

PRUExtra Premier Lite CoPay

PRUExtra Plus Lite CoPay

PRUExtra Preferred CoPay

Who Should Consider Prudential Health Insurance?

PRUShield Plus + PRUExtra Plus CoPay

PRUShield Premier + PRUExtra Premier CoPay

PRUShield Standard or Plus + PRUExtra Preferred CoPay

PRUShield Standard (rider optional)

Prudential Mental Wellness Support

Meet our financial advisors

How to Choose & Apply For Prudential Health Insurance

Get a quote from MoneySmart advisors

Review eligibility & prepare documents

Submit application

Complete medical checks

Underwriting, review, & first payment

Policy delivery, access, & free-look period

Why Prudential PRUShield?

Customisable

Letter of Guarantee

Are You Sufficiently Covered? 🏥now

Other Factors Affecting Costs of Health Insurance Premiums

Age at entry

Health & medical history

Smoker status

Claims-based pricing

How to File Prudential Health Insurance Claims

Cashless claims (Panel hospitals + PRUExtra rider)

Reimbursement claims (Non-panel or without rider)

How to Renew Your Prudential Health Insurance

Method #1: Annual renewal process

Method #2: Premium changes at renewal

Get your personalised health insurance plan here →

FAQs About Prudential Health Insurance in Singapore

What is PRUShield health insurance in Singapore?

How much does PRUShield cost in Singapore?

What is the difference between PRUShield Standard, Plus, and Premier?

Can I pay for PRUShield using MediSave?

How do I file a cashless claim with PRUShield?

What are the main exclusions under PRUShield?

Can I renew my PRUShield policy after age 75?

Does making a claim increase my PRUShield premium?

Can I upgrade or downgrade my PRUShield plan?

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