PROTECT We understand you want comprehensive coverage with more choices of hospitals, wards and doctors PRUshield
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 and have the flexibility to receive treatment from private or restructured hospitals. It also allows you to choose from a wider selection of wards so you can receive the medical care you require. PRUshield, a Medisave-approved medical insurance plan 1, gives you peace of mind when it comes to medical care options, so you and your family can enjoy the protection you need. Get extensive coverage with PRUshield A Premier and PRUshield A Plus*: 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 2 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 premiums that can be paid through Medisave 3 or cash. Also protects you from ever-increasing medical costs For PRUshield A Premier and PRUshield A Plus, the policy year limit 4 may increase every year along with the Consumer Price Index (Health Care Costs) to help offset rising medical expenses. What s more, all of our PRUshield plans do 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.
A choice to match your needs PRUshield gives you the option to choose between three plans that provide coverage suited to your needs. With PRUshield A Premier and PRUshield A Plus plans, you can get extensive coverage on hospitalisation and surgical expenses on an as charged basis. Alternatively, PRUshield Standard Plan allows Singaporeans and Permanent Residents of Singapore to receive adequate coverage in B1 wards of Restructured Hospitals. Plan PRUshield A Premier PRUshield A Plus PRUshield Standard Plan Benefits Singapore Private Hospital Singapore Restructured Hospital (Class A Ward) Singapore Restructured Hospital (Class B1 Ward) Inpatient and Day Surgery Benefits Hospitalisation Benefits Daily Room & Board $1,700 Daily Intensive Care Unit (ICU) $2,900 Covered under Inpatient and Miscellaneous Hospital Services Day Surgery Benefits Covered under Inpatient and Daily Inpatient Physician Visit Day Surgery Benefits Confinement in Community Hospital $650 Accidental Inpatient Dental Treatment Covered under Surgical Procedure Inpatient Psychiatric Treatment benefit $4,000 per Policy Year $3,500 per Policy Year $500 (up to 35 days per Policy Year) Surgical Benefits (including Day Surgery) Surgical Procedure (per treatment) Table 1 $590 Table 2 $1,670 Table 3 $3,290 Table 4 $4,990 Table 5 $8,760 Table 6 $11,670 Table 7 $16,720 Organ Transplant Benefit 5 Covered under Inpatient and Day Surgery Benefits Stem Cell Transplant Treatment 6 Covered under Inpatient and Day Surgery Benefits Surgical Implants/Approved Medical Consumables (per admission) $9,800 Gamma Knife/Novalis Radiosurgery 7 (per treatment) $9,600 Living Organ Donor Transplant Benefits Life assured is the organ donor 8 $60,000 per Policy Year $40,000 per Policy Year Life assured is the organ recipient 9 Overseas Medical Treatment Emergency Medical Treatment outside Singapore Planned Overseas Medical Treatment 10 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 Outpatient Hospital Benefits 11 Outpatient Cancer Treatment Radiotherapy - External/Superficial - Brachytherapy with/without external Stereotactic Radiotherapy Chemotherapy Immunotherapy Outpatient Renal Failure Treatment Renal Dialysis Erythropoietin Approved Immunosuppressant Drugs for Organ Transplant (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) $10,000 per Policy Year $5,000 per Policy Year $550 per treatment session $1,100 per treatment session $1,800 per treatment $5,200 per calendar month $2,750 per calendar month $450 per calendar month $1,200 per calendar month
Plan PRUshield A Premier PRUshield A Plus PRUshield Standard Plan Benefits Other Benefits Singapore Private Hospital Singapore Restructured Hospital (Class A Ward) Singapore Restructured Hospital (Class B1 Ward) Final Expense Provision 12 $5,000 $3,000 Congenital Abnormalities 14 Pregnancy Complications benefit 13 Short Stay Ward 15 Covered under Daily Room and Board Future Insurance Option 2 at Life Events $100,000 sum assured per life $100,000 sum assured per life Deductible per Policy Year 16 For ages 80 and below, as of age next birthday For ages 81 and above, as of age next birthday Restructured / Community Hospital C Ward $1,500 $1,500 $1,500 $2,000 Restructured / Community Hospital B2/B2+ Ward $2,000 $2,000 $2,000 $3,000 Restructured / Community Hospital B1 Ward $2,500 $2,500 $2,500 $3,000 Restructured / Community Hospital A Ward $3,500 $3,500 $2,500 $3,000 Private Hospital / Private Community Hospital $3,500 $3,500 $2,500 $3,000 Day Surgery Subsidised $1,500 $1,500 $1,500 $3,000 Day Surgery Non-Subsidised (Restructured) $2,000 $2,000 $2,000 $3,000 Day Surgery Private Hospital $2,000 $2,000 $2,000 $3,000 Short Stay Ward Subsidised $1,500 $1,500 $1,500 $3,000 Short Stay Ward Non-Subsidised (Restructured) $2,000 $2,000 $2,000 $3,000 Short Stay Ward Private Hospital $2,000 $2,000 $2,500 $3,000 Co-Insurance 10% 10% 10% 10% Pro-Ration 17 Singapore Citizens Permanent Residents Restructured / Community Hospital C Ward Restructured / Community Hospital B2/B2+ Ward Restructured / Community Hospital B1 Ward 90% Restructured / Community Hospital A Ward 80% 80% Private Hospital / Private Community Hospital 65% 50% 50% Day Surgery Subsidised (Restructured) Day Surgery Non-Subsidised (Restructured) Day Surgery Private Hospital 65% 65% 65% Short Stay Ward Subsidised (Restructured) Short Stay Ward Non-Subsidised (Restructured) Short Stay Ward Private 65% 50% 50% Outpatient Treatment Subsidised (Restructured) Outpatient Treatment Non-subsidised (Restructured Outpatient Treatment Private 65% 65% Limits of Cover Policy Year Limit $651,700 4 with adjustment feature $391,100 4 with adjustment feature $150,000 Lifetime Limit Unlimited Unlimited Unlimited Age Limits Singaporeans/PR Foreigners Singaporeans/PR Foreigners Maximum Entry Age 75 55 75 55 Maximum Renewal Age Lifetime Lifetime Lifetime Lifetime Lifetime
Affordable premiums pay through Medisave 3 With PRUshield, you can use Medisave 3 to pay for your premiums. For as little as $0.88 18 a day, you ll be protected against unexpected and escalating medical expenses. PRUshield A Premier and PRUshield A Plus even covers pre-hospitalisation, post-hospitalisation and selected chronic outpatient treatments such as chemotherapy and kidney dialysis on an as charged basis. Age Next Birthday Annual Premiums 19 (inclusive of 7% GST) 1 20 21 30 31 40 41 50 51 55 56 60* 61 65* 66 70* 71 73* 74 75* 76 78*^ 79 80*^ 81 83*^ 84 85*^ 86 88*^ 89 90*^ 91 93*^ 94 95*^ 96 98*^ 99 100*^ >100*^ PRUshield A Premier PRUshield A Plus For Singaporeans, Permanent Residents of Singapore and Foreigners who are dependants of Singaporeans or of Permanent Residents of Singapore $242 $320 $482 $776 $1,240 $1,262 $1,690 $2,354 $3,078 $3,542 $4,674 $4,748 $5,733 $6,521 $7,214 $7,214 $7,276 $7,859 $8,089 $8,509 $8,509 $199 $266 $423 $654 $982 $998 $1,360 $1,785 $2,278 $2,630 $3,453 $3,531 $3,852 $4,450 $4,740 $4,740 $4,879 $5,284 $5,481 $5,924 $5,924 PRUshield Standard Plan For Singaporeans and Permanent Residents of Singapore only $171 $243 $373 $543 $771 $809 $1,005 $1,211 $1,495 $1,721 $2,072 $2,189 $2,407 $2,633 $2,916 $3,091 $3,276 $3,473 $3,681 $3,902 $3,902 * Policy renewals for PRUshield A Premier and PRUshield A Plus are applicable to Foreigners who are dependents of Singaporeans or of Permanent Residents for these ages. ^ Policy renewals for PRUshield A Premier and PRUshield A Plus are applicable to Singaporeans and Permanent Residents of Singapore for these ages.
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 Daily Room & Board (7 days) Daily ICU Charges (2 days) Surgical Procedure Surgical Implants /Approved Medical Consumables Costs Incurred $5,870 $1,630 $9,000 $2,400 Amount Payable $5,870 $1,630 $9,000 $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 PRUshield A Premier Pays (Includes MediShield Life payout) $3,500 $15,400 $1,540 $13,860 $13,860 Customer Pays $5,040 Assuming that the policy year limit has been adjusted to $651,700 as a result of medical cost inflation, his remaining policy year limit will be $637,840 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 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. 2 This benefit is only applicable to PRUshield A Premier and PRUshield A Plus plans 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. 3 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. 4 For PRUshield A Premier and PRUshield A Plus plans, the 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. 5 For PRUshield A Premier and PRUshield A Plus plans, 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. 6 For PRUshield A Premier and PRUshield A Plus plans, 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. 7 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. 8 This benefit pays for hospitalisation expenses when the life assured donates a kidney and/or liver. 9 This benefit pays for hospitalisation expenses incurred by the organ donor if the life assured receives a kidney and/or liver transplant. 10 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 www.prudential.com.sg. We reserve the right to review and change the healthcare providers as required, from time to time. 11 Deductible does not apply to Outpatient Hospital Benefits.
12 This benefit waives the Deductibles and Co-insurance, under certain conditions, up to the stipulated limits. 13 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, abruption placentae or postpartum haemorrhage requiring hysterectomy. 14 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. 15 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. 16 For PRUshield A Premier and PRUshield A Plus, Deductibles will be increased by 50% depending on ward class when the life assured is above age 85. For PRUshield Standard Plan, deductibles are fully shown in the table. 17 Pro-ration factors are applied to reduce the medical bills in a higher ward class, private sector outpatient clinics or private hospitals to the level of the targeted ward under the plan. 18 Premium quoted is on an annual basis for Singaporean life assured age 30 on next birthday for a PRUshield A Premier plan. 19 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 and PRUshield Standard Plan. 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. 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 Chinese versions of this brochure, the English version shall prevail. Information is correct as at 1 July 2016.
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