PROTECT

We understand
you want a comprehensive plan that
covers more than just rising medical costs

PRUshield
With PRUshield, you can now be covered against rising
medical costs and have your medical questions1 answered
too. PRUhealthcare assist is a first-to-market medical
helpline service, exclusively to our PRUshield customers. It is
designed to help answer your questions1 on hospitalisation
and medical conditions. Now, you will truly have a medical
insurance plan that gives you coverage and assists in
providing answers to your medical-related questions1, so you
can concentrate on the treatment that is available. PRUshield
is a Medisave-approved integrated medical insurance plan2.

Get extensive coverage with PRUshield’s features*:

• Living Organ Donor Transplant Benefit if life assured

is the organ donor or recipient
• Inpatient Psychiatric Treatment costs are covered
• Coverage for Planned Overseas Medical Treatment
• Pre- and post-hospitalisation coverage of up to
180 days before or after Hospital Confinement or
day surgery
• Buy a new plan without underwriting with Future
Insurance Option3 upon significant events in life
• Adjustment feature for policy year limit to offset
medical cost inflation
*Note: Please refer to the Benefit Schedule for more details.

Guaranteed renewable for life

PRUshield is a guaranteed renewable annual premium
plan that can cover you for life. You can pay the annual
premium through Medisave4 or cash.
Also protects you from ever-increasing medical costs
PRUshield’s policy year limit5 may increase every year
along with the Consumer Price Index (Health Care Costs)
to help offset rising medical expenses.
What’s more, PRUshield does not impose lifetime limits
for claimable hospitalisation and surgical expenses due to
illnesses or accidents. This helps ensure that you have the
financial means for the best possible treatment.
We cover your questions1 too
PRUhealthcare assist is a first-to-market medical helpline
service exclusive to all our PRUshield customers. With this
service, you can call the helpline at 1800 534 3333 for any
medical-related question1 you may have.
A choice to match your needs
Select from two specially-designed PRUshield plans that
cover hospitalisation and surgical expenses on an ‘as
charged’ basis.
Plan PRUshield A Premier PRUshield A Plus
Singapore
Singapore Private Restructured
Hospital/Ward Type
Hospital Hospital
(Class A Ward)

Hospitalisation Benefits
Daily Room & Board
Daily Intensive Care
Miscellaneous Hospital Services As Charged As Charged
Daily Inpatient Physician Visit
Confinement in Community Hospital 6
Accidental Inpatient Dental Treatment

Surgical Benefits (including Day Surgery)

Surgical Procedure
Organ Transplant Benefit 7
Stem Cell Transplant Treatment 8 As Charged As Charged
Surgical Implants/Approved
Medical Consumables
Gamma Knife/Novalis Radiosurgery 9

Living Organ Donor Transplant Benefits

$60,000 $40,000
Life assured is the organ donor 10 per Policy Year per Policy Year
Life assured is the organ recipient11

Overseas Medical Treatment As Charged

As Charged
(paying the lower
Emergency Medical Treatment (paying the lower of
of the overseas
outside Singapore the overseas
charges or in
charges or in
Planned Overseas Medical Treatment12 accordance with
accordance with
Singapore
Singapore Private
Restructured
Hospital’s charges)
Hospital’s charges)

Pre- & Post-Hospitalisation Benefits

Pre-Hospitalisation Consultations and As Charged As Charged
Diagnostic Laboratory Services incurred 180
days preceding confinement or day surgery
Post-Hospitalisation Follow-up Treatments As Charged As Charged
and Diagnostic/Laboratory Services
incurred within 180 days after confinement
or day surgery
Post-Hospitalisation Hyperbaric Oxygen $10,000 $5,000
Therapy incurred within 180 days after per Policy Year per Policy Year
confinement or day surgery

Outpatient Hospital Benefits13

Outpatient Cancer Treatment
(Radiotherapy, Stereotactic Radiotherapy,
Chemotherapy, Immunotherapy)
As Charged As Charged
Outpatient Renal Failure Treatment
(Renal Dialysis, Erythropoietin)
Approved Immunosuppressant
Drugs for Organ Transplant

Other Benefits
Final Expense Provision14 $5,000 $3,000
Pregnancy Complications benefit15 As Charged As Charged
Congenital Abnormalities16 As Charged As Charged
Inpatient Psychiatric Treatment benefit $4,000 per Policy Year $3,500 per Policy Year
Short Stay Ward17 As Charged As Charged
Future Insurance Option3 at Life Events $100,000 sum $100,000 sum
assured per life assured per life
Plan PRUshield A Premier PRUshield A Plus
Singapore
Singapore Private Restructured
Hospital/Ward Type
Hospital Hospital
(Class A Ward)

Deductible per Policy Year18

Restructured C Ward $1,500 $1,500
Restructured B2 Ward $2,000 $2,000
Restructured B1 Ward $2,500 $2,500
Restructured A Ward $3,500 $3,500
Private Hospital $3,500 $3,500
Day Surgery – Subsidised $1,500 $1,500
Day Surgery – Non-Subsidised $2,000 $2,000
Short Stay Ward – Subsidised $1,500 $1,500
Short Stay Ward – Non-Subsidised $2,000 $2,000

Co-Insurance 10% 10%

Pro-Ration19
Private Hospital N.A. 65%

Limits of Cover
Policy Year Limit with adjustment feature 5 $632,700 $379,700
Lifetime Limit Unlimited Unlimited

Age Limits
Maximum Entry Age (Singaporeans/PR) 75 75
Maximum Entry Age (Foreigners) 55 55
Maximum Renewal Age Lifetime Lifetime

Affordable premiums — pay through Medisave4

With PRUshield, you can use Medisave4 to pay for your
premiums – there’s no need to dip into your savings! For as
little as $0.5220 a day, you’ll be protected against unexpected
and escalating medical expenses. PRUshield even covers
pre-hospitalisation, post-hospitalisation and selected chronic
outpatient treatments such as chemotherapy and kidney
dialysis on an ‘as charged’ basis.

Annual Premiums (inclusive of 7% GST)

For Singaporeans, Permanent Residents of Singapore
and Foreigners who are dependants of Singaporeans
or of Permanent Residents of Singapore
Annual Premium
Age Next Birthday
PRUshield A Premier PRUshield A Plus
1 – 20 $162 $119
21 – 30 $191 $137
31 – 40 $277 $218
41 – 50 $561 $439
51 – 55 $955 $697
56 – 60* $977 $713
61 – 65* $1,390 $1,060
66 – 70* $2,079 $1,510
71 – 73* $2,753 $1,953
74 – 75* $3,213 $2,301
76 – 78*s $4,319 $3,098
 For Singaporeans, Permanent Residents of Singapore
and Foreigners who are dependants of Singaporeans
or of Permanent Residents of Singapore
Annual Premium
Age Next Birthday
PRUshield A Premier PRUshield A Plus
79 – 80*s $4,438 $3,221
81 – 83*s $5,606 $3,725
84 – 85*s $6,241 $4,170
86 – 88*s $6,904 $4,430
89 – 90*s $6,904 $4,430
91 – 93*s $6,936 $4,539
94 – 95*s $7,519 $4,944
96 – 98*s $7,749 $5,141
99 – 100*s $8,169 $5,584

* For Foreigners who are dependants of Singaporeans or of Permanent Residents of Singapore, only policy
renewals are allowed.
s
For Singaporeans or Permanent Residents of Singapore, only policy renewals are allowed.

How PRUshield A Premier works

Assumptions:
• Policyholder (male, age 52) is covered under PRUshield
A Premier plan
• Hospitalised due to ischaemic heart disease and undergoes
coronary artery bypass graft surgery
• Stays a total of 9 days in a double-bedded ward of a
private hospital, so his total hospital bill comes to $18,900

See how much of this bill is covered under PRUshield A Premier:

Breakdown of Hospital Bill Hospital Bill Incurred Amount Payable
Daily Room & Board (7 days) $5,870 $5,870
Daily ICU Charges (2 days) $1,630 $1,630
Surgical Procedure $9,000 $9,000
Surgical Implants/Approved
$2,400 $2,400
Medical Consumables
Total $18,900 $18,900
Less Deductible (Private Hospital) $3,500
> Balance After Deductible $15,400

Less Co-insurance (10% of $15,400) $1,540

> Balance After Co-insurance $13,860

PRUshield A Premier Pays $13,860

Customer Pays $5,040

Assuming that the policy year limit has been adjusted

to $632,700 as a result of medical cost inflation, his
remaining policy year limit will be $618,840 following the
above claim.

Call your Prudential Financial Consultant or our

PruCustomer Line at 1800 333 0 333 today, or visit
www.prudential.com.sg
Footnotes:
1 Questions relating to your PRUshield policy but excludes
medical advice.
2 If the life assured is a Singaporean or Permanent Resident (PR)
of Singapore, PRUshield is available as a Medisave-approved
integrated medical insurance plan. If the life assured is a
foreigner with Eligible Valid Pass, PRUshield is NOT available
as a Medisave-approved integrated medical insurance plan.
Please refer to the PRUshield Benefit Illustration for the
definition of an Eligible Valid Pass.
3 This benefit is only applicable to PRUshield purchased under
standard terms. It allows the life assured to buy a new plan
up to the stipulated sum assured upon significant events in life
without underwriting. The events include Marriage, Divorce,
Parenthood, Adoption of a child through legal means, Death
of a spouse, Marriage of the children and children entering
primary or secondary school.
4 Premiums paid through Medisave are subject to Medisave
withdrawal limits. Please refer to Ministry of Health’s website
at www.moh.gov.sg for details.
5 Policy year limit may be increased by Prudential to keep up with
medical cost inflation. It does not apply to Post Hospitalisation
Hyperbaric Oxygen Therapy, Living Organ Donor Transplant,
Inpatient Psychiatric Treatment and Final Expense Provision.
6 Community hospitals covered by PRUshield include: Bright
Vision Hospital, St Luke’s Hospital, St Andrew’s Community
Hospital, Ang Mo Kio Community Hospital, Westpoint Family
Hospital, Ren Ci Community Hospital & Kwong Wai Shiu Hospital.
7 This benefit pays for surgical fees incurred for major organ
transplants that include: kidney(s), heart, liver, cornea(s), bone
marrow, skin and musculoskeletal tissue.
8 This benefit pays when an insured requires stem cell transplant
due to Leukaemia, Thalassemia Major and Lymphoma after
not responding to other treatments such as chemotherapy,
radiotherapy or surgery.
9 Gamma Knife/Novalis Radiosurgery can be performed as an
inpatient or day surgery procedure. The applicable deductible
and pro-ration factor for Gamma Knife/Novalis Radiosurgery
procedure will depend on its classification as an inpatient or
day surgery procedure.
10 This benefit pays for hospitalisation expenses when the life
assured donates a kidney and/or liver.
11 This benefit pays for hospitalisation expenses incurred by
the organ donor if the life assured receives a kidney and/or
liver transplant.
12 This benefit pays for hospitalisation and surgical expenses
(including day surgery) incurred in selected hospitals overseas
referred by local healthcare providers (Health Management
International or Parkway Holdings Pte Ltd).
13 Deductible does not apply to Outpatient Hospital Benefits.
14 This benefit waives the Deductibles and Co-insurance, under
certain conditions, up to the stipulated limits.
15 This benefit pays when the following conditions are first
diagnosed by an obstetrician after 10 months from the cover
start date of the policy or the date of reinstatement (if any),
whichever is later: ectopic pregnancy, pre-eclampsia & eclampsia,
disseminated intravascular coagulation, miscarriage, fatty liver
during pregnancy, amniotic fluid embolism, abruptio placentae or
postpartum haemorrhage requiring hysterectomy.
16 This benefit pays for hospitalisation expenses incurred for
Medically Necessary treatment relating to birth defects, including
hereditary conditions and congenital sickness or abnormalities of
the life assured who was first diagnosed by a Registered Medical
Practitioner, or symptoms first appeared after 2 years from the
cover start date of the policy or the date of reinstatement (if any),
whichever is later.
17 This benefit pays for charges incurred in the short stay ward
in the emergency departments even if it does not result in the
hospitalisation of the life assured.
18 Deductibles will be increased by 50% depending on ward class
when the life assured is above age 85.
19 Pro-ration factors are applied to reduce private hospital bills
to A Ward equivalents of a Restructured Hospital in the
claims computation.
20 Premium quoted is on an annual basis for Singaporean life assured
age 30 on next birthday for a PRUshield A Premier plan.

Note:
PRUshield is a yearly renewable plan. Prudential guarantees lifetime
coverage for PRUshield A Premier and PRUshield A Plus.
Premiums are not guaranteed and may be adjusted based on future
claims experience. Prudential reserves the right to vary premiums
at any time by giving 30 days’ written notice to the policyowner
before doing so. Premium rates will be based on age next birthday
(for 1st premium) on cover start date and each policy anniversary date
(for renewable premium). You are recommended to seek advice from
a qualified Prudential Financial Consultant for a financial analysis
before purchasing a policy suitable to meet your needs.
Buying health insurance products that are not suitable for you may
impact your ability to finance your future healthcare needs. Buying a
life insurance policy is a long-term commitment. An early termination
of the policy usually involves high costs and the surrender value
payable (if any) may be less than the total premiums paid.
This brochure is for reference only and is not a contract of insurance.
Please refer to the exact terms and conditions, specific details and
exclusions applicable to these insurance products in the policy documents
that can be obtained from your Prudential Financial Consultant.
In case of discrepancy between the English and Chinese versions of
this brochure, the English version shall prevail.
Information is correct as at 1 July 2015.
PROTECT

Prudential Assurance Company Singapore (Pte) Limited.

(Reg. No. 199002477Z)
30 Cecil Street #30-01 Prudential Tower
Singapore 049712
Tel: 1800-333 0 333 Fax: 6734-6953
Part of Prudential plc