The plan that gives you more ways

to look after your healthcare and

hospitalisation needs

PRUshield

Your relationships
are precious.
Protect them.
 Why do you need
medical insurance?

One cannot predict when sickness or injury happens. A loss of health can
mean a loss of earnings if you are unable to work, and it can also lead to
ongoing medical bills that may drain your financial resources.

Having medical insurance can make a huge difference when it comes to

medical care. It covers you and your family against unexpected medical
costs, and helps to ease the financial burden of your hospitalisation and
surgical needs, especially with the rising medical costs in Singapore.

Although MediShield Life, a national health insurance plan, can be used

to offset a part of the expenses, it only provides basic coverage. Private
health insurance is important for enhanced coverage. Not only do you enjoy
high annual claim limits with private insurance, you also enjoy benefits
covering pre- and post-hospitalisation needs, such as consultations,
diagnostic tests, follow-up treatments, and more.

2
How expensive
can medical bills get?
When the unexpected happens, there is no doubt that you should be
focusing on your recovery instead of worrying about your medical bills.
But with escalating healthcare costs, seeking treatment can cause a
financial strain.

In 2015, the gross medical inflation rate in Singapore was 15%, which is
about 7% higher than the global rate*. Furthermore, Singapore has an
average life expectancy that ranked third in the world at 83.1 years**.
A longer life span may mean additional strain to medical cost one may need
to bear.

How much your treatment will cost also depends on the type of medical
condition you have, whether you seek treatment at a public or private
hospital, the type of hospital ward you choose and the length of hospital
stay you require. Here are two examples of the total hospital inpatient bill
that one could incur for lung and breast cancer †.

Length of
Condition Hospital Type Total Cost ^
Hospital Stay
Public Hospital
11 Days S$12,747
Class A Ward
Lung Cancer
Private Hospital
13 Days S$44,558
A Ward
Public Hospital
7 Days S$28,608
Class A Ward
Breast Cancer
Private Hospital
7 Days S$64,539
A Ward

It is important to ensure that you are covered more comprehensively

against your medical bills with a private health insurance plan.

*Source: Aon Hewitt

**Source: TODAY online
†
Source: Based on Prudential’s claims
^
Rounded down to the nearest dollar.

3
 How you can stay on top
of rising healthcare costs
With rising healthcare costs, you can be better prepared for costly medical bills by enhancing your
coverage with an Integrated Shield Plan.

PRUshield, a Medisave-approved plan1, is a private health insurance plan that provides the additional
coverage you need to complement the existing benefits you already enjoy with MediShield Life.

It gives you more options to choose the coverage that suits your budget and healthcare needs. This
includes the flexibility of choosing between private and public hospitals, ward classes and doctors.

How PRUshield helps provide enhanced coverage

MediShield Life PRUshield Plan PRUshield Plan +
(National Health Insurance Plan) (Private Health Insurance Plan) Supplementary Plan for
Deductible & Co-insurance

ible & Co-ins

ill n uct y Integrate uranc
n of b ot cov d
De red b dS e
ortio ediShield L ered hie
P by M ife ve P
l
hield lan Pay
d

PRUshield Plan
o

s
tc

Pla

RU o
no

& Supplementary Plan

n
ut
P

+
MediShield
MediShield MediShield Life Payout
Life Payout Life Payout

Legend: Medical insurance payout Out-of-pocket expenses PRUshield Plan Payout

Deductible: The amount you need to pay first before any PRUshield benefits are paid out.
Co-insurance: A percentage of the claimable amount you need to co-pay or share after you pay the deductible.

4
What’s in it for me?

We’ve got you covered

High annual coverage of up to S$1.2 million for
medical treatment

We’ll give you more flexibility

Complement your main plan with a supplementary plan
100% to enjoy up to 100% coverage

We’ll make it yours for a lifetime

Guaranteed renewability of plan

We’ll take care of you, before and after

Pre-hospitalisation coverage for up to 180 days and
post-hospitalisation coverage for up to 365 days

We’ll keep it simple

No medical underwriting required to purchase a new
plan for significant life events

We’ll let you take your pick

Wide choice of private and public hospitals, ward classes
and doctors

Public Service Officers or staff of Selected

Companies enjoy 10% off 2 PRUshield
premiums3 for the first year

5
 Which plan is right
for me?
Flexibility of choice is important in getting the right medical coverage you need. The option of
supplementary plans in addition to your main PRUshield plan means more ways and options to help
you cope with rising medical costs, and adequately protect you and your loved ones.

For information on all PRUshield and PRUextra premiums for Singaporeans, Permanent Residents
of Singapore and Foreigners, please visit www.prudential.com.sg/prushield

Main Plans Supplementary Plans

• PRUextra Premier
Covers 100% of your deductible and co-insurance, with
Comprehensive Coverage

future premiums determined by past claims experience.

• PRUextra Premier Lite ^

PRUshield Premier Covers 50% of your deductible (up to S$1,750) and
Provides coverage for medical and surgical 100% of co-insurance.
expenses at private hospitals.
• PRUextra Premier Saver
Covers 100% for public hospitals. Covers a portion
of your deductible and co-insurance, with a S$5,000
annual cap on out-of-pocket expenses for private
hospitals.

• PRUextra Plus
that complements MediShield Life

PRUshield Plus Covers 100% of your deductible and co-insurance.

Provides coverage for medical and
Additional Coverage

surgical expenses at public hospitals • PRUextra Plus Lite^

(up to Class A ward). Covers 50% of your deductible (up to S$1,750) and
100% of co-insurance.

PRUshield Standard Plan^

Provides coverage for medical and
surgical expenses at public hospitals
(up to Class B1 ward).
Basic Coverage

MediShield Life^
National health insurance scheme for all
Singaporeans and Permanent Residents of
Singapore. Covers Class B2/C wards at
public hospitals.

^
For Singaporeans and Permanent Residents of Singapore only.

6
Make your health
a priority
We all know the benefits of keeping a healthy lifestyle. Your efforts in healthy living will be rewarded,
not just with good health, but also with savings on PRUextra Premier premiums through a fairer
pricing approach.

How the fairer pricing approach works

With a PRUextra Premier plan, you will start off at the Standard Level Premium, the lowest of your
age band. You will also enjoy the PRUwell Reward, a 20% savings on your Standard Level Premium
when your policy is incepted with no exclusions. Each year, your premium level will be determined
by any previous claims you made at private and public hospitals during the review period. As long
as you stay healthy, with no claims made, you will continue to enjoy the PRUwell Reward on your
Standard Level Premium at your next policy renewal.

20% Savings Higher Premiums

How your premiums can change in the future

Movement on premium levels

Claims payments made on PRUextra Premier
Hospital (subject to minimum Standard Level
during the review period
Premium and maximum o  f Level 5)

Private Hospital S$1,000 and below Stay at the same level

Private Hospital Above S$1,000 to S$5,000 Move up two levels 2 Levels

Private Hospital Above S$5,000 Move up four levels 4 Levels

Any claims amount and no claims made at a

Public Hospital Move down one level 1 Level
private hospital

Private Hospital or
No claims Move down one level 1 Level
Public Hospital

7
 Here’s an example of how
PRUshield protects you
Mr Tan is a 30-year-old Singaporean who was having trouble with his gallbladder.
After a visit to the doctor and a number of follow-up tests and scans, including an
abdominal ultrasound, Mr Tan was diagnosed with gallstones.
Following his doctor’s recommendation, Mr Tan underwent gallbladder removal
surgery and was hospitalised for 5 days.
Take a look at how the various PRUshield plans made a difference in the amount
Mr Tan had to pay.

Public hospital coverage in Class A ward with PRUshield Plus

Mr Tan’s initial medical bill amounted to S$10,698. His out-of-pocket expense was reduced to
S$0 with PRUextra Plus.
with MediShield Life with PRUshield Plus at a with PRUextra Plus at a premium
premium of S$0.19/day of S$0.68/day
PRUextra Plus covers S$4,220
[deductible (S$3,500) + co-insurance
MediShield Life covers S$1,570 (S$720)]
Public hospital MediShield Life covers Mr Tan pays S$0
PRUshield Plus (additional private
Class A Ward S$1,570
insurance) covers S$4,908 with PRUextra Plus Lite at a premium
of S$0.41/day
Total Bill Mr Tan pays a balance
S$10,698 Mr Tan pays S$4,220 PRUextra Plus Lite covers S$2,470
of S$9,128
[deductible (S$3,500) + [deductible (S$3,500 x 50%) +
co-insurance (S$720)] co-insurance (S$720)]
Mr Tan pays S$1,750

Private hospital coverage with PRUshield Premier

Mr Tan’s initial medical bill amounted to S$25,008. His out-of-pocket expense was reduced with
PRUextra.
with MediShield Life with PRUshield Premier at a with PRUextra Premier at a premium of
premium of S$0.56/day S$1.34/day (with PRUwell Reward)
PRUextra Premier covers S$5,650
[deductible (S$3,500) + co-insurance
(S$2,150)]
Mr Tan pays S$0
with PRUextra Premier Lite at a
MediShield Life covers S$6,079 premium of S$0.76/day
Private hospital
MediShield Life covers PRUshield Premier PRUextra Premier Lite covers S$3,900
Single-bedded
S$6,079 (additional private insurance) [deductible (S$3,500 x 50%) +
Ward
covers S$13,279 co-insurance (S$2,150)]
Mr Tan pays a balance
Total Bill Mr Tan pays S$1,750
of S$18,929 Mr Tan pays S$5,650
S$25,008
[deductible (S$3,500) + with PRUextra Premier Saver at a
co-insurance (S$2,150)] premium of S$1.08/day
PRUextra Premier Saver covers S$3,575
[deductible (S$2,500) + co-insurance
(S$1,075)]
Mr Tan pays S$2,075

8 The above illustration is based on an estimated calculation of MediShield Life payout. The figures are for illustrative purposes only.
PRUshield
protects foreigners, too
As a foreigner, it can be even more challenging for you to enjoy comprehensive
coverage in your home away from home. With the added burden of relocating
overseas, and having no MediShield Life or adequate healthcare insurance
from your employers in Singapore, medical costs can be significant for you
and your family.
PRUshield ensures that you are well-protected, no matter what. Take Mr Smith
for example. The 30-year-old Australian has been staying in Singapore for
two years. Only recently, he had some trouble with his gallbladder. A visit to
the doctor and some tests confirmed he needed gallbladder removal surgery
and hospitalisation for 5 days.
Here is how the various PRUshield plans made a difference in the amount
Mr Smith had to pay.

Public hospital coverage in Class A ward with PRUshield Plus

Mr Smith’s initial medical bill amounted to S$10,698. His out-of-pocket expense was reduced to
S$0 with PRUextra Plus.
with PRUshield Plus at a premium of S$0.77/day with PRUextra Plus at a premium of S$0.72/day

Public hospital PRUshield Plus (additional private insurance)

Class A Ward covers S$6,478 PRUextra Plus covers S$4,220

Total Bill Mr Smith pays S$4,220 Mr Smith pays S$0

S$10,698 [deductible (S$3,500) + co-insurance (S$720)]

Private hospital coverage with PRUshield Premier

Mr Smith’s initial medical bill amounted to S$25,008. His out-of-pocket expense was reduced
with PRUextra.
with PRUshield Premier at a premium with PRUextra Premier at a premium of
of S$1.15/day S$1.41/day (with PRUwell Reward)

PRUextra Premier covers S$5,650

Mr Smith pays S$0

Private hospital
PRUshield Premier (additional private insurance) with PRUextra Premier Saver at a premium of
Single-bedded
covers S$19,358 S$1.14/day
Ward
Mr Smith pays S$5,650 PRUextra Premier Saver covers S$3,575
Total Bill
[deductible (S$3,500) + co-insurance (S$2,150)] [deductible (S$2,500) + co-insurance (S$1,075)]
S$25,008

Mr Smith pays S$2,075

[deductible (S$1,000) + co-insurance (S$1,075)]

The figures are for illustrative purposes only.

9
How you can keep your
premiums affordable
Rising medical costs and claims have resulted in the increase of Integrated Shield Plan premiums in
recent years. But you can manage the cost of your premiums by considering the option of filing your
medical claims under your company’s group insurance employee benefit plan first, or under other
individual plans you may have.

By using your PRUshield policy only as the last option, you reduce the claims made against it and
leave your policy benefit limit unaffected. This way, your personal premiums can be kept more
affordable in the long term.
Benefits Schedule
for Public Hospitals
 Benefits of PRUshield Plus and PRUshield Standard Plan
Plan PRUshield Plus PRUshield Standard Plan
Singapore Public Hospital Singapore Public Hospital
Benefits
(Class A Ward) (Class B1 Ward)
Inpatient and Day Surgery Benefits
Hospitalisation Benefits
Daily Room & Board As Charged S$1,700
Daily Intensive Care Unit (ICU) As Charged S$2,900

Miscellaneous Hospital Services Covered under Inpatient and

As Charged
Day Surgery Benefits

Daily Inpatient Physician Visit Covered under Inpatient and

As Charged
Day Surgery Benefits
Confinement in Community Hospital As Charged S$650
Covered under Surgical
Accidental Inpatient Dental Treatment As Charged
Procedure
S$500 (up to 35 days per Policy
Inpatient Psychiatric Treatment benefit S$3,500 per Policy Year
Year)
Surgical Benefits (including Day Surgery)
Surgical Procedure (per treatment)
• Table 1 (less complex procedures) Under MediShield Life, As Charged S$590
• Table 2 benefits are classified As Charged S$1,670
• Table 3 according to their level As Charged S$3,290
• Table 4 of complexity, which As Charged S$4,990
• Table 5 increases from Table 1 As Charged S$8,760
• Table 6 to Table 7. As Charged S$11,670
• Table 7 (more complex procedures) As Charged S$16,720

Organ Transplant Benefit Covered under Inpatient and

As Charged
Day Surgery Benefits
Covered under Inpatient and
Stem Cell Transplant Treatment As Charged
Day Surgery Benefits
Surgical Implants/Approved Medical As Charged S$9,800
Consumables (per admission)
Gamma Knife/Novalis Radiosurgery (per treatment) As Charged S$9,600
Living Organ Donor Transplant Benefits
Life assured is the organ donor S$40,000 per Policy Year NA
Life assured is the organ recipient S$40,000 per Policy Year NA
Overseas Medical Treatment
As Charged (paying the lower
Emergency Medical Treatment outside Singapore of the overseas charges or in
NA
Planned Overseas Medical Treatment6 accordance with Singapore Public
Hospital’s charges)
Pre- & Post-Hospitalisation Benefits

Pre-Hospitalisation Consultations and Diagnostic Laboratory

Services incurred 180 days preceding confinement As Charged NA
or day surgery

Post-Hospitalisation Follow-up Treatments and Diagnostic /

Laboratory Services incurred within 365 days after confinement As Charged NA
or day surgery

Post-Hospitalisation Hyperbaric Oxygen Therapy incurred

S$5,000 per Policy Year NA
within 365 days after confinement or day surgery

12
Benefits of PRUshield Plus and PRUshield Standard Plan (cont’d)
Plan PRUshield Plus PRUshield Standard Plan
Benefits Singapore Public Hospital (Class A Ward) Singapore Public Hospital (Class B1 Ward)
Outpatient Hospital Benefits
Outpatient Cancer Treatment
• Radiotherapy
- External/Superficial As Charged S$550 per treatment session
- Brachytherapy with/without external As Charged S$1,100 per treatment session
• Stereotactic Radiotherapy As Charged S$1,800 per treatment
• Chemotherapy As Charged S$5,200 per calendar month
• Immunotherapy As Charged NA
Outpatient Renal Failure Treatment
• Renal Dialysis As Charged S$2,750 per calendar month
• Erythropoietin As Charged S$450 per calendar month
Approved Immunosuppressant Drugs
As Charged S$1,200 per calendar month
for Organ Transplant
Other Benefits
Final Expense Provision S$3,000 NA
Pregnancy Complications Benefit As Charged NA
Congenital Abnormalities As Charged NA
Short Stay Ward As Charged Covered under Daily Room and Board
Future Insurance Option at Life Events S$100,000 sum assured per life NA
For ages 80 and For ages 81 and
Deductible4 per Policy Year below, as of age above, as of age
next birthday next birthday
Public / Community Hospital C Ward S$1,500 S$1,500 S$2,000
Public / Community Hospital B2/B2+ Ward S$2,000 S$2,000 S$3,000
Public / Community Hospital B1 Ward S$2,500 S$2,500 S$3,000
Public / Community Hospital A Ward S$3,500 S$2,500 S$3,000
Private Hospital / Private Community Hospital S$3,500 S$2,500 S$3,000
Day Surgery – Subsidised (Public) S$1,500 S$1,500 S$3,000
Day Surgery – Non-Subsidised (Public) S$2,000 S$2,000 S$3,000
Day Surgery – Private Hospital S$2,000 S$2,000 S$3,000
Short Stay Ward – Subsidised (Public) S$1,500 S$1,500 S$3,000
Short Stay Ward – Non-Subsidised (Public) S$2,000 S$2,000 S$3,000
Short Stay Ward – Private Hospital S$2,000 S$2,500 S$3,000
Co-Insurance5 10% 10% 10%
Permanent
Pro-Ration Singaporeans Residents of
Singapore
Public / Community Hospital C Ward NA NA NA
Public / Community Hospital B2/B2+ Ward NA NA NA
Public / Community Hospital B1 Ward NA NA 90%
Public / Community Hospital A Ward NA 80% 80%
Private Hospital / Private Community Hospital 65% 50% 50%
Day Surgery – Subsidised (Public) NA NA NA
Day Surgery – Non-Subsidised (Public) NA NA NA
Day Surgery – Private Hospital 65% 65% 65%
Short Stay Ward – Subsidised (Public) NA NA NA
Short Stay Ward – Non-Subsidised (Public) NA NA NA
Short Stay Ward – Private Hospital 65% 50% 50%
Outpatient Treatment – Subsidised (Public) NA NA NA
Outpatient Treatment – Non-subsidised (Public) NA NA NA
Outpatient Treatment – Private 65% 65% 65%
Limits of Cover
Policy Year Limit S$600,000 S$150,000
Lifetime Limit Unlimited Unlimited
Age Limits Singaporeans/PR Foreigners
Maximum Entry Age 75 55 NA
Maximum Renewal Age Lifetime Lifetime Lifetime

13
 Complete your cover
with a little extra
Enjoy more comprehensive coverage at public hospitals when you complement your PRUshield Plus
plan with PRUextra Plus or PRUextra Plus Lite.

Plan PRUextra Plus7 PRUextra Plus Lite7

Singapore Public Hospital Singapore Public Hospital

Hospital/Ward Types
(Class A Ward) (Class A Ward)

50% of PRUshield’s deductible

100% of PRUshield’s
Deductible (per Policy Year) amount subject to a maximum
deductible amount
of S$1,750 per Policy Year

PRUshield’s Co-Insurance 10% 10%

Accident & Emergency S$150 per injury or illness

S$150 per injury or illness
Ambulance Fee

Immediate Family Member’s Accommodation

with Child (Immediate Family Member: Father, S$30 per day NA
Mother, Brother or Sister)

S$125 per day S$125 per day

Daily Hospital Incentive (if admitted to a Public Hospital (if admitted to a Public Hospital
Ward B1/B2/C) Ward B1/B2/C)

Post-Hospitalisation Follow-up Traditional

Chinese Medicine (TCM) Treatment by a
Registered TCM Practitioner in a Singapore S$3,000
Hospital, Community Hospital or approved per Policy Year NA
TCM medical institution incurred within
365 days after confinement
or day surgery

Emergency Outpatient Treatment due to an S$2,000

per Policy Year NA
Accident

Special Appliances and Prosthesis purchased S$2,000

or rented within 365 days after confinement or per Policy Year NA
day surgery

14
Benefits Schedule
for Private Hospitals
 Benefits of PRUshield Premier
Plan PRUshield Premier
Benefits Singapore Private Hospital
Inpatient and Day Surgery Benefits
Hospitalisation Benefits
Daily Room & Board As Charged
Daily Intensive Care Unit (ICU) As Charged
Miscellaneous Hospital Services As Charged
Daily Inpatient Physician Visit As Charged
Confinement in Community Hospital As Charged
Accidental Inpatient Dental Treatment As Charged
Inpatient Psychiatric Treatment benefit S$4,000 per Policy Year
Surgical Benefits (including Day Surgery)
Surgical Procedure (per treatment)
• Table 1 (less complex procedures) As Charged
• Table 2 Under MediShield Life, As Charged
• Table 3 benefits are classified As Charged
• Table 4 according to their level of As Charged
• Table 5 complexity, which increases As Charged
• Table 6 from Table 1 to Table 7. As Charged
• Table 7 (more complex procedures) As Charged
Organ Transplant Benefit As Charged
Stem Cell Transplant Treatment As Charged
Surgical Implants/Approved Medical Consumables (per admission) As Charged
Gamma Knife/Novalis Radiosurgery (per treatment) As Charged
Living Organ Donor Transplant Benefits
Life assured is the organ donor S$60,000 per Policy Year
Life assured is the organ recipient S$60,000 per Policy Year
Overseas Medical Treatment
As Charged (paying the lower of the
Emergency Medical Treatment outside Singapore overseas charges or in accordance with
Planned Overseas Medical Treatment6 Singapore Private Hospital’s charges)
Pre- & Post-Hospitalisation Benefits
Pre-Hospitalisation Consultations and Diagnostic Laboratory
Services incurred 180 days preceding confinement As Charged
or day surgery

Post-Hospitalisation Follow-up Treatments and Diagnostic /

Laboratory Services incurred within 365 days after confinement As Charged
or day surgery

Post-Hospitalisation Hyperbaric Oxygen Therapy incurred

S$10,000 per Policy Year
within 365 days after confinement or day surgery
Outpatient Hospital Benefits
Outpatient Cancer Treatment
• Radiotherapy
- External / Superficial As Charged
- Brachytherapy with/without external As Charged
• Stereotactic Radiotherapy As Charged
• Chemotherapy As Charged
• Immunotherapy As Charged
Outpatient Renal Failure Treatment
• Renal Dialysis As Charged
• Erythropoietin As Charged
Approved Immunosuppressant Drugs
As Charged
for Organ Transplant

16
Benefits of PRUshield Premier (cont’d)
Plan PRUshield Premier
Benefits Singapore Private Hospital
Other Benefits
Final Expense Provision S$5,000
Pregnancy Complications Benefit As Charged
Congenital Abnormalities As Charged
Short Stay Ward As Charged
Future Insurance Option at Life Events S$100,000 sum assured per life
Deductible per Policy Year
4

Public / Community Hospital C Ward S$1,500

Public / Community Hospital B2/B2+ Ward S$2,000
Public / Community Hospital B1 Ward S$2,500
Public / Community Hospital A Ward S$3,500
Private Hospital / Private Community Hospital S$3,500
Day Surgery – Subsidised (Public) S$1,500
Day Surgery – Non-Subsidised (Public) S$2,000
Day Surgery – Private Hospital S$2,000
Short Stay Ward – Subsidised (Public) S$1,500
Short Stay Ward – Non-Subsidised (Public) S$2,000
Short Stay Ward – Private Hospital S$2,000
Co-Insurance 5
10%
Pro-Ration
Public / Community Hospital C Ward NA
Public / Community Hospital B2/B2+ Ward NA
Public / Community Hospital B1 Ward NA
Public / Community Hospital A Ward NA
Private Hospital / Private Community Hospital NA
Day Surgery – Subsidised (Public) NA
Day Surgery – Non-Subsidised (Public) NA
Day Surgery – Private Hospital NA
Short Stay Ward – Subsidised (Public) NA
Short Stay Ward – Non-Subsidised (Public) NA
Short Stay Ward – Private Hospital NA
Outpatient Treatment – Subsidised (Public) NA
Outpatient Treatment – Non-subsidised (Public) NA
Outpatient Treatment – Private NA
Limits of Cover
Policy Year Limit S$1,200,000
Lifetime Limit Unlimited
Age Limits Singaporeans/PR Foreigners
Maximum Entry Age 75 55
Maximum Renewal Age Lifetime Lifetime

17
 A little extra on top
goes a long way
Enjoy more comprehensive coverage at private hospitals when you complement your PRUshield Premier
plan with PRUextra Premier, PRUextra Premier Lite, or PRUextra Premier Saver.
Plan
Hospital / Ward Types
Deductible (per policy year)
PRUshield’s Co-Insurance
Maximum co-payment
Accident & Emergency
Ambulance Fee
Get Well Benefit
Immediate Family Member’s
Accommodation with Child
Daily Hospital Incentive
Post-Hospitalisation
Follow-up TCM
Emergency Outpatient
Treatment due to an Accident
Special Appliances and
Prosthesis
Disability Waiver Benefit
*Only waives the premiums for PRUextra Premier. The premiums for PRUshield Premier continue to be payable
18
PRUextra Premier 7
Singapore Private Hospital
100% of PRUshield’s
deductible amount
10%
NA
S$250 per injury or illness
NA
S$60 per day
S$200 per day
(if admitted to a Public
Hospital Ward B1/B2/C)
S$125 per day
(if admitted to a Public
Hospital Ward A)
S$6,000 per policy year
S$3,000 per policy year
S$3,000 per policy year
Waives 36 months of future
premiums* if the life assured
is diagnosed to be Totally and
Permanently Disabled before
age 70
PRUextra Premier Lite 7
(the fairer pricing approach
does not apply)
Singapore Private Hospital
50% of PRUshield’s
deductible amount
subject to a maximum of
S$1,750 per policy year
10%
S$1,750 per policy year
S$250 per injury or illness
NA
NA
S$200 per day
(if admitted to a Public
Hospital Ward B1/B2/C)
S$125 per day
(if admitted to a Public
Hospital Ward A)
NA
NA
NA
NA
PRUextra Premier Saver 7
(the fairer pricing approach
does not apply)
Singapore Private Hospital
For Private Hospital:
Policyholder pays the first
S$1,000 per policy year
(for life assured above age
85, the first S$1,000 will be
increased to S$1,500)
For Public Hospital:
Prudential covers 100%
of PRUshield’s deductible
amount
For Private Hospital: 5%
For Public Hospital: 10%
S$5,000 per policy year
(for life assured above the
age 85, the maximum cap will
be S$7,500 per policy year)
S$250 per injury or illness
S$500 per hospitalisation
(for hospitalisation of at least
8 days)
S$60 per day
S$200 per day
(if admitted to a Public
Hospital)
S$6,000 per policy year
S$3,000 per policy year
S$3,000 per policy year
NA
For more information, speak to your Prudential Financial Consultant.
Call us at 1800 333 0 333 today.

www.prudential.com.sg

*Terms & conditions apply. Please refer to www.prudential.com.sg/prushield for more details.

Footnotes:
1 If the life assured is a Singaporean or Permanent Resident of Singapore, PRUshield is available as an Integrated Shield Plan made up of
MediShield Life provided by the Central Provident Fund Board, and additional private insurance provided by Prudential.
2 Only applicable for PRUshield Premier and PRUshield Plus.
3 Refers to Prudential’s portion of the Integrated Shield Plan (IP) premium.
4 Deductible is a fixed amount to be paid by a policyowner before the MediShield Life and PRUshield benefits are payable.
Deductible will increase by 50% depending on ward class when the life assured is above age 85.
5 Co-insurance is a percentage of the claimable amount that a policyowner needs to co-pay on top of the Deductible.
6 We will pay for a planned hospitalisation or surgical (including day surgery) treatment incurred by the life assured/patient at
an overseas hospital subject to the life assured/patient having referrals from an approved Medisave-accredited institution/referral
centre in Singapore. The overseas hospital must have an approved working arrangement with the Medisave-accredited institution/
referral centre in Singapore.
Please note: To confirm the countries and respective hospitals where treatment would be allowed for, please contact an approved
Medisave-accredited institution/referral centre in Singapore.
7 Please note that there are conditions attached to the purchase of any of the below riders between 8 March 2018 and 31 March 2019.
• PRUextra Premier
• PRUextra Premier Saver
• PRUextra Premier Lite
• PRUextra Plus
• PRUextra Plus Lite
From 1 April 2021, customers must transition to an alternative rider with features that meet the new guidelines set by the Ministry
of Health. According to guidelines from the Ministry of Health, from 1 April 2019, all new IP riders will need to include a minimum
of 5 per cent co-payment on bills relating to hospitalisation, outpatient treatments or day surgery. In addition, to protect customers
against large bills, the new riders will incorporate a co-payment cap of at least S$3,000 in each policy year for treatments at the
insurer’s panel providers ^. 
Details of the new rider plans will be sent to customers approximately two months before the change is implemented on their first
policy renewal starting from 1 April 2021.
Should you have questions about your plan, please do not hesitate to speak to your Prudential Financial Consultant.  You can also
call our PruCustomer Line at 1800 333 0 333 (Monday – Friday, 8.30am to 5.30pm), email us at Prushield@prudential.com.sg or
visit our website at www.prudential.com.sg
^ For Prudential, panel providers are all Singapore Public Hospitals. We reserve the right to update the list of panel providers from
time to time.

Note:
PRUshield is a yearly renewable plan. Prudential guarantees lifetime coverage for PRUshield and PRUextra.
PRUextra premiums cannot be paid by Medisave.
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 read the product summary and 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.
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 this insurance product in the policy documents that can be obtained from your Prudential Financial Consultant.
This brochure is for distribution in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of
any insurance product outside Singapore. In case of discrepancy between the English and Mandarin versions of this brochure, the
English version shall prevail.
Information is correct as at 7 March 2018.

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Prudential Assurance Company Singapore (Pte) Limited (Reg. No. 199002477Z)
7 Straits View #06-01 Marina One East Tower Singapore 018936
Tel: 1800 333 0 333 Fax: 6734 6953
Part of Prudential plc