PROTECT. We understand you want comprehensive coverage with more choices of hospitals, wards and doctors. PRUshield

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1 PROTECT We understand you want comprehensive coverage with more choices of hospitals, wards and doctors PRUshield

2 When it comes to medical care, we understand you would like to have choices without worrying about the cost. With PRUshield, you and your family can enjoy coverage against rising medical costs. Have the flexibility to choose, whether it is private or restructured hospital and from a wider selection of wards, so you can receive the medical care you require without worrying about costs. In addition, you can also take advantage of PRUhealthcare assist - a first-to-market medical helpline service, exclusive to our PRUshield customers, designed to help answer your questions 1 on hospitalisation and medical conditions. PRUshield, a Medisave-approved medical insurance plan 2, gives you peace of mind when it comes to medical care options, so you and your family can enjoy truly comprehensive protection. Get extensive coverage with PRUshield*: 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 Adjustment feature for policy year limit to offset the cost of inflation in medical costs Buy a new plan without underwriting with Future Insurance Option 3 upon significant events in life *Note: Please refer to the Benefits Schedule for more details. Guaranteed renewable for life Get coverage for life with PRUshield a guaranteed renewable plan with annual premium that can be paid through Medisave 4 or cash. Also protects you from ever-increasing medical costs PRUshield s policy year limit 5 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 ensures that you have the financial means for the best possible treatment. We cover your questions 1 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 for any medical-related question 1 you may have.

3 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 Hospital/Ward Type Hospitalisation Benefits Daily Room & Board Daily Intensive Care Miscellaneous Hospital Services Daily Inpatient Physician Visit Confinement in Community Hospital Accidental Inpatient Dental Treatment Singapore Private Hospital Singapore Restructured Hospital (Class A Ward) Surgical Benefits (including Day Surgery) Surgical Procedure Organ Transplant Benefit 6 Stem Cell Transplant Treatment 7 Surgical Implants/Approved Medical Consumables Gamma Knife/Novalis Radiosurgery 8 Living Organ Donor Transplant Benefits Life assured is the organ donor 9 Life assured is the organ recipient 10 $60,000 per Policy Year $40,000 per Policy Year Overseas Medical Treatment Emergency Medical Treatment outside Singapore Planned Overseas Medical Treatment 11 (paying the lower of the overseas charges or in accordance with Singapore Private Hospital s charges) (paying the lower of the overseas charges or in accordance with Singapore Restructured Hospital s charges) Pre- & Post-Hospitalisation Benefits Pre-Hospitalisation Consultations and Diagnostic Laboratory Services incurred 180 days preceding confinement or day surgery Post-Hospitalisation Follow-up Treatments and Diagnostic/Laboratory Services incurred within 180 days after confinement or day surgery Post-Hospitalisation Hyperbaric Oxygen Therapy incurred within 180 days after confinement or day surgery $10,000 per Policy Year $5,000 per Policy Year Outpatient Hospital Benefits 12 Outpatient Cancer Treatment (Radiotherapy, Stereotactic Radiotherapy, Chemotherapy, Immunotherapy) Outpatient Renal Failure Treatment (Renal Dialysis, Erythropoietin) Approved Immunosuppressant Drugs for Organ Transplant Other Benefits Final Expense Provision 13 Pregnancy Complications benefit 14 Congenital Abnormalities 15 Inpatient Psychiatric Treatment benefit Short Stay Ward 16 Future Insurance Option 3 at Life Events $5,000 $4,000 per Policy Year $100,000 sum assured per life $3,000 per Policy Year $100,000 sum assured per life

4 Plan PRUshield A Premier PRUshield A Plus Hospital/Ward Type Singapore Private Hospital Singapore Restructured Hospital (Class A Ward) Deductible per Policy Year 17 Restructured C Ward Restructured B2 Ward Restructured B1 Ward Restructured A Ward Private Hospital Day Surgery Subsidised Day Surgery Non-Subsidised Short Stay Ward Subsidised Short Stay Ward Non-Subsidised $2,500 $2,500 Co-Insurance 10% 10% Pro-Ration 18 Private Hospital N.A. 65% Limits of Cover Policy Year Limit with adjustment feature 5 Lifetime Limit Age Limits Maximum Entry Age (Singaporeans/PR) Maximum Entry Age (Foreigners) Maximum Renewal Age $632,700 Unlimited Lifetime $379,700 Unlimited Lifetime Affordable premiums pay through Medisave 4 With PRUshield, you can use Medisave 4 to pay for your premiums. For as little as $ 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 20 (inclusive of 7% GST) For Singaporeans, Permanent Residents of Singapore and Foreigners who are dependants of Singaporeans or of Permanent Residents of Singapore Annual Premiums 20 Age Next Birthday PRUshield A Premier PRUshield A Plus 1 20 $242 $ $320 $ $482 $ $776 $ $1,240 $ * $1,262 $ * $1,690 $1, * $2,354 $1, * $3,078 $2, * $3,542 $2, *^ $4,674 $3, *^ $4,748 $3,531

5 Annual Premiums 20 (inclusive of 7% GST) For Singaporeans, Permanent Residents of Singapore and Foreigners who are dependants of Singaporeans or of Permanent Residents of Singapore Age Next Birthday PRUshield A Premier Annual Premiums 20 PRUshield A Plus 81 83*^ $5,733 $3, *^ $6,521 $4, *^ $7,214 $4, *^ $7,214 $4, *^ $8,466 $6, *^ $9,049 $6, *^ $9,279 $6, *^ $9,699 $7,114 * For Foreigners who are dependants of Singaporeans or of Permanent Residents of Singapore, only policy renewals are allowed. ^ 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 Costs 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 Medical Consumables $2,400 $2,400 Total $18,900 $18,900 Less Deductible (Private Hospital) > Balance After Deductible Less Co-insurance (10% of $15,400) > Balance After Co-insurance $15,400 $1,540 $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 today, or visit

6 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 an Integrated Shield plan made up of MediShield Life provided by Central Provident Fund Board (CPFB) and an additional private insurance provided by Prudential. If the life assured is a foreigner with Eligible Valid Pass, PRUshield is NOT available as an Integrated Shield plan. Please refer to the PRUshield Product Summary 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 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 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. 7 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. 8 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. 9 This benefit pays for hospitalisation expenses when the life assured donates a kidney and/or liver. 10 This benefit pays for hospitalisation expenses incurred by the organ donor if the life assured receives a kidney and/or liver transplant. 11 This benefit pays for hospitalisation and surgical expenses (including day surgery) incurred in selected hospitals overseas referred by the approved healthcare providers. The approved healthcare providers can be found on our website We reserve the right to review and change the healthcare providers as required, from time to time. 12 Deductible does not apply to Outpatient Hospital Benefits. 13 This benefit waives the Deductibles and Co-insurance, under certain conditions, up to the stipulated limits. 14 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.

7 15 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. 16 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. 17 Deductibles will be increased by 50% depending on ward class when the life assured is above age Pro-ration factors are applied to reduce private hospital bills to A Ward equivalents of a Restructured Hospital in the claims computation. 19 Premium quoted is on an annual basis for Singaporean life assured age 30 on next birthday for a PRUshield A Premier plan. 20 For Integrated Shield plans, this premium is inclusive of MediShield Life premium. 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 October 2015.

8 PROTECT Prudential Assurance Company Singapore (Pte) Limited. (Reg. No Z) 30 Cecil Street #30-01 Prudential Tower Singapore Tel: Fax: Part of Prudential plc