Here, on your side

Supporting you as your trusted health partner,

so you can live your best life every step of
the way.

PRUShield. Better healthcare coverage, for better lives.

 Why do you need additional medical coverage?
When the unexpected happens, you should focus on recovering instead of worrying about your medical bills.
Seeking treatment can cause a financial strain if you are not prepared for unexpected medical expenses,
especially with rising healthcare costs.
With Singapore being one of the fastest ageing populations in the world and more are living to 1001, we are
committed to being your most trusted partner and protector by providing accessible and comprehensive
medical coverage for our customers.

How can PRUShield help?

Medical treatment costs vary depending on several factors including the medical condition and the type of
hospital you choose.
MediShield Life (MSHL), our national health insurance plan for Singaporeans and Permanent Residents (PRs),
provides basic medical coverage by offsetting part of your medical expenses.
Our suite of PRUShield2 and PRUExtra supplementary plans complement MediShield Life by providing you
with more comprehensive medical coverage that includes options to suit your budget and healthcare needs –
helping you focus on recovery by easing your financial burden.
With PRUShield, you can enjoy e-claims for pre- and post- hospitalisation with claims payout via PayNow.

PRUShield Plan + PRUExtra

MediShield Life PRUShield Plan Supplementary Plan for
(National Health Insurance Plan) (Private Health Insurance Plan) Deductible* & Co-insurance**
Deductible* &
Deductible* & Co-insurance** PRUExtra Co-insurance**
to be paid by you Supplementary Plan Payout to be paid by you

Remaining bill to be paid by you PRUShield Plan Payout PRUShield Plan Payout
Medical bill

Private Provider: PRUShield Premier Private Provider: PRUShield Premier

Restructured Provider: PRUShield Plus Restructured Provider: PRUShield Plus

MediShield Life Payout MediShield Life Payout MediShield Life Payout

(For Singaporeans and PRs only) (For Singaporeans and PRs only) (For Singaporeans and PRs only)

National health insurance payout Private health insurance plan(s) payout Out-of-pocket expenses

Diagram above is for illustrative purposes only. Please note that pro-ration will apply for Private Hospital Bill or Restructured
Hospital Class A/B1 Ward bill under MediShield Life.

* Deductible: The amount you need to pay before any PRUShield benefits are paid out.
** Co-insurance: A percentage of the claimable amount you need to co-pay or share after you have paid for
the Deductible.

1
Source: Prudential’s Ready for 100 White Paper.
2
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
Benefits of PRUShield
We’ve got you covered

High annual coverage of up to S$2 million1 for medical treatment

Minimise your out-of-pocket expenses

Refresh your annual coverage2

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

coverage for up to 365 days

We let you take your pick

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

Complement your main plan with a supplementary plan to limit your

out-of-pocket expenses to S$3,000 per policy year3

We go the extra mile

No medical underwriting4 for any new plan purchase at significant life events

Emergency medical treatment outside Singapore and planned overseas

medical treatments

Exclusive value-added services of preferential health screening and vaccination rates

and Chronic Care Management for all PRUShield customers

Public Service Officers or staff of Selected Companies enjoy 10% off 5

PRUShield Premier and PRUShield Plus premiums6 for the first year

1
For PRUShield Premier plan, the Policy Year Limit is S$2 million provided all claims within the same Policy Year are incurred at Panel Providers.
2
Applicable when Life Assured has exceeded the Policy Year Limit and is hospitalised for a different medical condition within the same Policy Year.
The Policy Year Limit will be refreshed only once in the same Policy Year.
3
Out-of-pocket expenses are capped at S$3,000 per policy year if you seek treatment from participating PRUPanel Connect specialists at
panel hospitals or day surgery centres, or Extended Panel Specialists with pre-authorisation approval.
4
This benefit allows customers who purchased PRUShield on Standard Terms and have yet to make a claim to purchase another policy
without evidence of good health at significant life events such as marriage and becoming a parent. Other terms & conditions apply.
Please check with your Prudential Financial Representative for the policy document for full details.
5
Please check with your Prudential Financial Representative for eligibility for this promotion.
6
Refers to Prudential’s portion of the Integrated Shield Plan (IP) premium. Not applicable on PRUExtra supplementary plan (if any).
3
Value-added services for all PRUShield customers
We are committed to support you in your journey towards wellness.

Preferential Health Screening and Vaccination Rates

Lower the risk of serious health complications through vaccinations and regular health
screenings with our partners, inclusive of teleconsultations for post-health screening reviews
with certified GPs.

Enjoy fully subsidised home-based child and senior vaccinations1 for

Singapore citizens, and preferential rates on health screening packages.

Visit www.prudential.com.sg/ppc-screening for more information.

Chronic Care Management Programmes

Our Diabetes Care Programme and Hypertension Care Programme helps with early detection to
reduce your risk of associated complications.

Benefits
Undergo Blood Sugar, Blood Pressure, and Body Mass Index (BMI) tests
at no cost across Raffles Medical clinics.

Use MediSave to partially claim any treatment costs2.

Dedicated care team at Raffles Medical to track your progress.

Receive professional guidance on how to manage your chronic conditions.

Learn about easy, healthy changes you can make to improve your lifestyle.

Provision of standard medications during the course of your care programme.

Visit www.prudential.com.sg/ppc-ccmp for more information and make an appointment on our

website or via our customer portal (PRUaccess).

1
Children between 2 and 18 months will be eligible for full subsidies if they are the Life Assured of the PRUShield policy.
Senior vaccinations are available for individuals aged 65 and above.
2
MediSave benefits are applicable only for Singapore citizens and Permanent Residents, subject to their annual limits.
4
A little extra goes a long way
You can also enjoy the flexibility of adding a supplementary plan for more coverage.

Plan PRUShield Premier PRUShield Plus 8

PRUExtra PRUExtra PRUExtra PRUExtra Plus PRUExtra Plus Lite
Supplementary Plan
Premier CoPay Preferred CoPay Premier Lite CoPay CoPay CoPay
All Singapore Private
All Singapore Private and Restructured All Singapore Private
Hospital / All Singapore Restructured Hospitals
and Restructured Hospitals under Panel and Restructured
Ward Types (up to Class A Ward)
Hospitals and Non-panel Hospitals
providers1
Patients receiving
treatment for one
primary cancer
Up to 20 times of MediShield Life limit for one primary cancer per month (with PRUShield and PRUExtra)
- Cancer Drug Treatment
listed on the Cancer
Drug List (CDL)2
- Cancer Drug Treatment
S$150,000 per year with PRUExtra
not listed on CDL
- Cancer Drug Services3 Up to 20 times of MediShield Life limit for one primary cancer per policy year (with PRUShield and PRUExtra)
Covers 50% of
Covers 50% of
deductible amount
deductible amount
PRUShield’s Covers 95% of (subject to a
Covers 95% of deductible amount, (subject to a maximum
Deductible4 Amount deductible amount, you maximum of
you pay the remaining 5% of S$1,750 per policy
(Per Policy Year) pay the remaining 5% S$1,750 per policy
year), you pay the
year), you pay the
remaining 50%
remaining 50%
PRUShield’s
Covers 50% of co-insurance amount, you pay the remaining 50%
Co-insurance5: 10%
Stop-Loss6
S$3,000 for Panel providers1, Extended Panel (EP) specialists7, and in emergency cases
(Per Policy Year)
Subject To Claims-Based
Yes No
Premium Pricing (CBP)
PRUPanel Connect
Exclusive Value-Added Yes No
Services
Premiums of
Supplementary Plan S$659.209 S$482.409 S$334.00 S$264.00 S$158.00
(Rider) for aged 30
Premiums Compared to
PRUExtra Premier CoPay – 27% 49% 60% 76%
for aged 30
Eligibility Singapore Citizen, Singapore PR, Foreigner10
1
Our Panel Providers consist of participating specialists on the PRUPanel Connect programme who provide inpatient or day surgery treatment
at Panel Healthcare Institutions (HI). Panel Healthcare Institutions (Panel HI) refer to:
• all restructured Hospitals and treatment centres;
• participating private Hospitals; and
• participating private treatment centres
that appear on our PRUPanel Connect website.
Non-panel providers refer to:
• specialists in Non-panel Healthcare Institutions (Non-panel HI), which are private Hospitals and private treatment centres listed under
Non-panel on our website; and
• non-participating private specialists who provide inpatient or day surgery treatment in private Hospitals and private treatment centres
listed under Panel HI on our website.
We may change this Panel or Non-panel list from time to time.
2
Refer to the Cancer Drug List (CDL) on MOH’s website for the MediShield Life claim limits for Cancer Drug Treatment (on the CDL).
3
Refer to the MediShield Life Benefits on MOH’s website for the MediShield Life claim limits for Cancer Drug Services.
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 after deductible.
6
Stop-loss refers to the total out-of-pocket expenses you need to make under the Deductible, Co-insurance and Co-payment features, which
will not exceed the sum of S$3,000 per policy year if your hospital confinement is with one of the Panel providers1, EP specialists7, and for
emergency cases. However, any amount that you pay that is above any of the benefit’s maximum limit will not add towards the annual
stop-loss amount.
7
Learn more about the Extended Panel.
8
Pro-ration applies if you go to a private hospital.
9
Premiums shown are with 20% PRUWell Reward.
10
Foreigner with eligible valid passes such as Personalised Employment Pass, Employment Pass, S Pass, Student Pass, Entre Pass, Overseas
Networks & Expertise Pass, Long-Term Visit Pass and Dependant’s Pass.
5
PRUPanel Connect
At Prudential, it is our goal to continually enhance our services to serve you better. With PRUPanel Connect,
you can gain seamless access to quality healthcare and value-added services.
PRUPanel Connect is a Healthcare Institution-led panel programme that offers greater convenience to
policyholders with PRUExtra Premier CoPay or PRUExtra Preferred CoPay supplementary plan. Eligible1
policyholders can enjoy a suite of value-added services.

Benefits of PRUPanel Connect

Appointment Booking
Book an appointment to visit a PRUPanel Connect specialist through our website
www.prudential.com.sg/ppc or our hotline at 1800 333 0333.

Enhanced Letter of Guarantee (LOG)

Enjoy a cashless2 experience and a higher LOG amount of S$30,000 and S$15,000 for participating
specialists at PRUPanel Connect Private Hospitals and Private Day Surgery Centres respectively.

Pre-Authorisation Letter
If you are not eligible for LOG at our PRUPanel Connect Private Partner Healthcare Institutions,
you may still apply for Pre-Authorisation. Simply inform the Business Office/Centre to submit your
request and allow three working days for processing.

Lower Claims-Based Premium Pricing & Stop-Loss Benefit3

Premium level will remain unchanged for PRUExtra Preferred CoPay and limited to a one level increase
for PRUExtra Premier CoPay upon the next policy renewal should all claims within the same policy
year be made under panel providers. You can also enjoy a stop-loss benefit which caps out-of-pocket
expenses at S$3,000 per policy year.

Concierge Service
Visit our concierge desk at PRUPanel Connect Private Partner Hospitals for assistance on any
PRUShield related enquiries. Customers admitted for in-patient or day surgery can also get a
complimentary hospital parking coupon here or a GrabGift voucher4 via email.

Extended Panel For all PRUExtra customers

Get access to a wider choice of doctors and better continuity of care. Enjoy selected panel benefits
when seeing doctors from other insurers’ panels through Pre-Authorisation.

1
Please refer to www.prudential.com.sg/ppc-validate for eligibility.
2
Terms & conditions apply. Please refer to https://www.prudential.com.sg/ppc-tnc.
3 To be eligible for panel benefits, the treatment must be inpatient or a day surgery provided by a participating specialist empanelled at the
PRUPanel Connect Healthcare Institution as indicated on www.prudential.com.sg/ppc-specialists.
4
For in-patient and day surgery cases only. GrabGifts are one-stop vouchers that can be used on Transport, Food, Mart, or Express on Grab mobile app.
6
Rewarding you for staying healthy
Claims-based premium pricing for PRUExtra Premier CoPay or PRUExtra Preferred CoPay
Supplementary Plan

With claims-based premium pricing, you will start off at the Standard Level Premium, the lowest for your age
band. You will enjoy the PRUWell Reward, a 20% savings on your Standard Level Premium when your policy is
accepted by us with no exclusions.

Your premium level will be determined by any previous claims you made during the review period. As long
as no claims are made on your supplementary plan, you will continue to enjoy the PRUWell Reward on your
Standard Level Premium at your next policy renewal.

In the face of an ageing population, increasing longevity and healthcare costs, our claims-based premium
pricing approach ensures premiums remain affordable in the long run. For customers aged 55* and above,
the increase in premiums is capped at 1.5x.

Age 1 to 54*:

Standard Level 1 Level 2 Level 3 Level 4 Level 5

Level
Premium 1.4x 1.6x 1.8x 2x 3x

20% Savings
Higher Premiums

Age 55* and above:

Standard Level 1 Level 2 Level 3 Level 4 Level 5

Level
Premium 1.1x 1.2x 1.3x 1.4x 1.5x

20% Savings
Higher Premiums

* Based on age next birthday, at policy renewal.

7
How claims-based premium pricing works for PRUExtra Premier CoPay
Claim amount during
Source of claim Movement on premium levels (at the next policy renewal)
the review period

Panel Providers1 (except S$1,000 and below Remains on the same level
Restructured hospitals or
treatment centres)
EP specialists (Panel HI)2 Above S$1,000 1 level (limit at level 5)

S$1,000 and below Remains on the same level

Not under Panel Providers1
(excluding EP specialists
(Panel HI)) Above S$1,000 to S$5,000 2 levels (limit at level 5)
EP specialists
(Non-panel HI)2
Above S$5,000 4 levels (limit at level 5)

Only Restructured hospitals

Any amount 1 level (limit at standard)
or treatment centres1

No claim Nil 1 level (limit at standard)

1
Our Panel Providers consist of participating specialists on the PRUPanel Connect programme who provide inpatient or day surgery treatment
at Panel Healthcare Institutions (HI). Panel Healthcare Institutions (Panel HI) refer to:
• all restructured Hospitals and treatment centres;
• participating private Hospitals; and
• participating private treatment centres that appear on our PRUPanel Connect website.
Non-panel providers refer to:
• specialists in Non-panel Healthcare Institutions (Non-panel HI), which are private Hospitals and private treatment centres listed under
Non-panel on our website; and
• non-participating private specialists who provide inpatient or day surgery treatment in private Hospitals and private treatment centres
listed under Panel HI on our website.
We may change this Panel or Non-panel list from time to time.
2
An Extended Panel (EP) specialist is a Registered Medical Practitioner who meets all of the following conditions: is on another Integrated
Shield Plan Insurer’s approved panel list; has obtained pre-authorisation approval from us; follows our fees schedule; and meets
pre-authorisation terms and conditions.
Learn more about the Extended Panel.

Note:
Should there be occurrences of Private Hospitals and Restructured Hospital claims within the same review period, only the claims under Private
Hospitals will be added together to calculate the premium level. If there is a claim from a Private Hospital or private medical institution that is
not under our Panel Providers or is under EP specialists (not at our Panel HI), and it is made within the same review period as a Panel Provider
or an EP specialist (Panel HI), the premium level will be based on the Private Hospital or private medical institution that is not under our Panel
Providers’ or is under EP specialists’ (not at our Panel HI) premium level to determine the movement on premium level at policy renewal.

8
How claims-based premium pricing works for PRUExtra Preferred CoPay
Claim amount during
Source of claim Movement on premium levels (at the next policy renewal)
the review period

Panel Providers1 (except

Restructured hospitals or Any amount Remains on the same level
treatment centres)

S$1,000 and below Remains on the same level

EP specialists (Panel HI)
2

Above S$1,000 1 level (limit at level 5)

S$1,000 and below Remains on the same level

Non-panel Providers1
(excluding EP specialists2
(Panel HI)) Above S$1,000 to S$5,000 2 levels (limit at level 5)
EP specialists
2

(Non-panel HI)
Above S$5,000 4 levels (limit at level 5)

Only Restructured hospitals

Any amount 1 level (limit at standard)
or treatment centres1

No claim Nil 1 level (limit at standard)

No Access HI3 Not applicable as expenses will not be reimbursed

1
Our Panel Providers consist of participating specialists on the PRUPanel Connect programme who provide inpatient or day surgery treatment
at Panel Healthcare Institutions (HI). Panel Healthcare Institutions (Panel HI) refer to:
• all restructured Hospitals and treatment centres;
• participating private Hospitals; and
• participating private treatment centres that appear on our PRUPanel Connect website.
Non-panel providers refer to:
• specialists in Non-panel Healthcare Institutions (Non-panel HI), which are private Hospitals and private treatment centres listed under
Non-panel on our website; and
• non-participating private specialists who provide inpatient or day surgery treatment in private Hospitals and private treatment centres
listed under Panel HI on our website.
We may change this Panel or Non-panel list from time to time.
2
An Extended Panel (EP) specialist is a Registered Medical Practitioner who meets all of the following conditions: is on another Integrated
Shield Plan Insurer’s approved panel list; has obtained pre-authorisation approval from us; follows our fees schedule; and meets
pre-authorisation terms and conditions. Learn more about the Extended Panel.
3
All private Hospitals or private medical institutions not under our Panel or Non-panel list will be considered as No Access HI.

Note:
Should there be occurrences of Private Hospitals and Restructured Hospital claims within the same review period, only the claims under Private
Hospitals will be added together to calculate the premium level. If there is a claim from a Private Hospital or private medical institution that
is under our Non-panel Providers or an EP specialist (Non-panel HI), and it is made within the same review period as a Panel Provider or an
EP specialist (Panel HI), the premium level will be based on the Private Hospital or private medical institution that is under our Non-panel
Providers’ or EP specialist’s (Non-panel HI) premium level to determine the movement on premium level at policy renewal.

9
Here’s an example of how PRUShield protects you

John is a 30-year-old Singaporean who underwent a surgery and was

hospitalised for 10 days.

With PRUShield and PRUExtra, John only had to pay a portion of the total
bill, depending on which plans he had.

PRUShield Plus and PRUExtra Supplementary Plans:

Coverage for restructured hospital

Restructured Hospital Class A Ward Total Bill S$20,000

If he had PRUShield Plus at a premium of S$0.86/day (including MediShield Life premium)

PRUShield Plus (including MediShield Life) covers S$14,850

John pays S$5,150
[Deductible (S$3,500) + Co-insurance (S$1,650)]

He can choose a supplementary plan to add on to save on

his out-of-pocket expenses
If he had PRUExtra Plus CoPay at a premium of S$0.72/day

PRUShield Plus (including MediShield Life) covers S$14,850

PRUExtra Plus CoPay covers S$4,150
(95% of Deductible and 50% of Co-insurance)
= [Deductible (S$3,325) + Co-insurance (S$825)]
John pays S$1,000
This amount will be added towards the annual limit on out-of-pocket expenses.

If he had PRUExtra Plus Lite CoPay at a premium of S$0.43/day

PRUShield Plus (including MediShield Life) covers S$14,850

PRUExtra Plus Lite CoPay covers S$2,575
(50% of Deductible and 50% of Co-insurance)
= [Deductible (S$1,750) + Co-insurance (S$825)]
John pays S$2,575
This amount will be added towards the annual limit on out-of-pocket expenses.

The figures are for illustrative purposes only.

10
 PRUShield Premier and PRUExtra Supplementary Plans:
Coverage for private hospital under Prudential’s Panel1
Panel provider

Private Hospital Single-bedded Ward Total Bill S$80,000

If he had PRUShield Premier at a premium of S$1.41/day (including MediShield Life premium)

PRUShield Premier (including MediShield Life) covers S$68,850

John pays S$11,150
[Deductible (S$3,500) + Co-insurance (S$7,650)]

He can choose a supplementary plan to add on to save on

his out-of-pocket expenses
If he had PRUExtra Premier CoPay at a premium of S$1.81/day (with PRUWell Reward)

PRUExtra Premier CoPay helps to cover S$8,150

(95% of Deductible and 50% of Co-insurance and Excess due to stop-loss)
= [Deductible (S$3,325) + Co-insurance (S$3,825) + Excess due to stop-loss (S$1,000)]
His premium level will move up by 1 level at the next policy renewal.

Standard Level Level 1 Level 2 Level 3 Level 4 Level 5

Premium

With stop-loss for Panel Providers, John only needs to pay S$3,000 for the policy year.
John has reached the annual limit of out-of-pocket expenses for the policy year.

If he had PRUExtra Preferred CoPay at a premium of S$1.32/day (with PRUWell Reward)

PRUExtra Preferred CoPay helps to cover S$8,150

(95% of Deductible and 50% of Co-insurance and Excess due to stop-loss)
= [Deductible (S$3,325) + Co-insurance (S$3,825) + Excess due to stop-loss (S$1,000)]
His premium amount will remain the same.

Standard Level Level 1 Level 2 Level 3 Level 4 Level 5

Premium

With stop-loss for Panel Providers, John only needs to pay S$3,000 for the policy year.
John has reached the annual limit of out-of-pocket expenses for the policy year.

If he had PRUExtra Premier Lite CoPay at a premium of S$0.92/day (not subject to CBP)

PRUExtra Premier Lite CoPay helps to cover S$8,150

(not subject to CBP)
(50% of Deductible and 50% of Co-insurance and Excess due to stop-loss)
= [Deductible (S$1,750) + Co-insurance (S$3,825) + Excess due to stop-loss (S$2,575)]
His premium amount will remain the same.

With stop-loss for Panel Providers, John only needs to pay S$3,000 for the policy year.
John has reached the annual limit of out-of-pocket expenses for the policy year.

The figures are for illustrative purposes only.

1
To be eligible for panel benefits, the treatment must be inpatient or a day surgery provided by a participating specialist empanelled at the
PRUPanel Connect Healthcare Institution as indicated on www.prudential.com.sg/ppc-specialists.
11
 PRUShield Premier and PRUExtra Supplementary Plans:
Coverage for private hospital not under Prudential’s Panel
and Non-Panel listings
Not under Panel or Non-panel Providers

Private Hospital Single-bedded Ward Total Bill S$80,000

If he had PRUShield Premier at a premium of S$1.41/day (including MediShield Life premium)

PRUShield Premier (including MediShield Life) covers S$68,850

John pays S$11,150
[Deductible (S$3,500) + Co-insurance (S$7,650)]

He can choose a supplementary plan to add on to save on his

out-of-pocket expenses
If he had PRUExtra Premier CoPay at a premium of S$1.81/day (with PRUWell Reward)

PRUExtra Premier CoPay helps to cover S$7,150

(95% of Deductible and 50% of Co-insurance) = [Deductible (S$3,325) + Co-insurance (S$3,825)]
His premium level will move up by 4 levels at the next policy renewal.

Standard Level Level 1 Level 2 Level 3 Level 4 Level 5

Premium

John pays remaining S$4,000

There is no annual limit on out-of-pocket expenses.

If he had PRUExtra Preferred CoPay at a premium of S$1.32/day (with PRUWell Reward)

Expenses are not reimbursable. His premium level will

remain at the same level at the next policy renewal.

John pays remaining S$11,150

There is no annual limit on out-of-pocket expenses.

If he had PRUExtra Premier Lite CoPay at a premium of S$0.92/day (not subject to CBP)

PRUExtra Premier Lite CoPay helps to cover S$5,575

(not subject to CBP)
(50% of Deductible and 50% of Co-insurance) = [Deductible (S$1,750) + Co-insurance (S$3,825)]
His premium amount will remain the same.

John pays remaining S$5,575

There is no annual limit on out-of-pocket expenses.

The figures are for illustrative purposes only.

12
 PRUShield Premier with PRUExtra Supplementary Plans:
Coverage for Extended Panel specialist at a Panel
Healthcare Institution1
Extended Panel specialist

Private Hospital (Panel Healthcare Institution) Total Bill S$80,000

Single-bedded Ward

If he had PRUExtra Premier CoPay at a premium of S$1.81/day (with PRUWell Reward)

PRUExtra Premier CoPay helps to cover S$8,150

(95% of Deductible and 50% of Co-insurance and Excess due to stop-loss)
= [Deductible (S$3,325) + Co-insurance (S$3,825) + Excess due to stop-loss (S$1,000)]
His premium level will move up by 1 level at the next policy renewal.

Standard Level Level 1 Level 2 Level 3 Level 4 Level 5

Premium

With stop-loss for Extended Panel specialist, John only needs to pay S$3,000 for the policy year.
John has reached the annual limit of out-of-pocket expenses for the policy year.

If he had PRUExtra Preferred CoPay at a premium of S$1.32/day (with PRUWell Reward)

PRUExtra Preferred CoPay helps to cover S$8,150

(95% of Deductible and 50% of Co-insurance and Excess due to stop-loss)
= [Deductible (S$3,325) + Co-insurance (S$3,825) + Excess due to stop-loss (S$1,000)]
His premium level will move up by 1 level at the next policy renewal.

Standard Level Level 1 Level 2 Level 3 Level 4 Level 5

Premium

With stop-loss for Extended Panel specialist, John only needs to pay S$3,000 for the policy year.
John has reached the annual limit of out-of-pocket expenses for the policy year.

If he had PRUExtra Premier Lite CoPay at a premium of S$0.92/day (not subject to CBP)

PRUExtra Premier Lite CoPay helps to cover S$8,150

(not subject to CBP)
(50% of Deductible and 50% of Co-insurance and Excess due to stop-loss)
= [Deductible (S$1,750) + Co-insurance (S$3,825) + Excess due to stop-loss (S$2,575)]
His premium amount will remain the same.

With stop-loss for Extended Panel specialist, John only needs to pay S$3,000 for the policy year.
John has reached the annual limit of out-of-pocket expenses for the policy year.

The figures are for illustrative purposes only.

1
To be eligible for Extended Panel benefits, customer must have an applicable PRUExtra supplementary plan and pre-authorisation approval
must be obtained for an Extended Panel specialist that is on the main panel of another Integrated Shield Plan insurer, follows our fee
schedule, and meets our pre-authorisation terms and conditions.
13
 PRUShield Premier with PRUExtra Supplementary Plans:
Coverage for Extended Panel specialist at a Non-panel
Healthcare Institution1
Extended Panel specialist

Private Hospital (Non-panel Healthcare Institution) Total Bill S$80,000

Single-bedded Ward

If he had PRUExtra Premier CoPay at a premium of S$1.81/day (with PRUWell Reward)

PRUExtra Premier CoPay helps to cover S$8,150

(95% of Deductible and 50% of Co-insurance and Excess due to stop-loss)
= [Deductible (S$3,325) + Co-insurance (S$3,825) + Excess due to stop-loss (S$1,000)]
His premium level will move up by 4 levels at the next policy renewal.

Standard Level Level 1 Level 2 Level 3 Level 4 Level 5

Premium

With stop-loss for Extended Panel specialist, John only needs to pay S$3,000 for the policy year.
John has reached the annual limit of out-of-pocket expenses for the policy year.

If he had PRUExtra Preferred CoPay at a premium of S$1.32/day (with PRUWell Reward)

PRUExtra Preferred CoPay helps to cover S$8,150

(95% of Deductible and 50% of Co-insurance and Excess due to stop-loss)
= [Deductible (S$3,325) + Co-insurance (S$3,825) + Excess due to stop-loss (S$1,000)]
His premium level will move up by 4 levels at the next policy renewal.

Standard Level Level 1 Level 2 Level 3 Level 4 Level 5

Premium

With stop-loss for Extended Panel specialist, John only needs to pay S$3,000 for the policy year.
John has reached the annual limit of out-of-pocket expenses for the policy year.

If he had PRUExtra Premier Lite CoPay at a premium of S$0.92/day (not subject to CBP)

PRUExtra Premier Lite CoPay helps to cover S$8,150

(not subject to CBP)
(50% of Deductible and 50% of Co-insurance and Excess due to stop-loss)
= [Deductible (S$1,750) + Co-insurance (S$3,825) + Excess due to stop-loss (S$2,575)]
His premium amount will remain the same.

With stop-loss for Extended Panel specialist, John only needs to pay S$3,000 for the policy year.
John has reached the annual limit of out-of-pocket expenses for the policy year.

The figures are for illustrative purposes only.

1
To be eligible for Extended Panel benefits, customer must have an applicable PRUExtra supplementary plan and pre-authorisation approval
must be obtained for an Extended Panel specialist that is on the main panel of another Integrated Shield Plan insurer, follows our fee
schedule, and meets our pre-authorisation terms and conditions.
14
How can you keep your premiums affordable?
Despite medical cost inflation, Prudential is committed to offering affordable and sustainable premiums. Still,
rising medical costs and claims have resulted in the increase of Integrated Shield Plan premiums in recent years.
Here are some ways to manage your premiums:

File for claim under your employer’s group insurance or other individual plans (if any)
• Get a token of appreciation from us for each successful claim that you file with your
employer’s group insurer. Visit https://www.prudential.com.sg/prushieldclaims for more details.
• Move down one premium level1 if you have successfully recovered a minimum amount of
S$1,000 from your employer’s group insurance or other individual plans.

Seek treatment at Panel Providers to limit premium level movement1

Seek treatment at Restructured Hospitals to move down one premium level1

Be rewarded for staying healthy with a 20% PRUWell Reward2 on your standard level premium
under our claims-based premium pricing.

1
Premium level downgrade will be reflected during policy renewal at the next policy year. Refer to claims-based premium pricing.
2
For policies with PRUExtra Premier CoPay or PRUExtra Preferred CoPay only.

15
Benefits Schedule for
PRUShield Premier (Private Hospitals) and
PRUShield Plus (Restructured Hospitals)

16
Benefits of PRUShield Premier and PRUShield Plus
Plan PRUShield Premier PRUShield Plus

Benefits Singapore Private Hospital Singapore Restructured

Hospital (Class A Ward)

Inpatient and Day Surgery Benefits

Daily Ward and Treatment Charges

Normal Ward

Intensive Care Unit Ward

Miscellaneous Hospital Services

Daily Inpatient Physician Visit

Community Hospital As Charged

- Rehabilitative
- Sub-acute

Accidental Inpatient Dental Treatment

Inpatient Palliative Care Service (General)

Inpatient Palliative Care Service (Specialised)

Psychiatric (including Pre- and Post-hospitalisation expenses incurred) S$8,000 per Policy Year S$7,000 per Policy Year

Surgical Benefits (including Day Surgery)

Surgical Procedure (per treatment)

- Table 1 (less complex procedures)

- Table 2

- Table 3 Under MediShield Life,

benefits are classified
according to their
- Table 4
level of complexity,
which increases from
- Table 5 Table 1A to Table 7C.
As Charged
- Table 6

- Table 7 (more complex procedures)

Organ Transplant Benefit

Stem Cell Transplant Treatment

Implants

Radiosurgery

17
Benefits of PRUShield Premier and PRUShield Plus (cont’d)
Plan PRUShield Premier PRUShield Plus

Benefits Singapore Private Hospital Singapore Restructured

Hospital (Class A Ward)

Living Organ Donor Transplant Benefits

Life assured is the organ donor

S$60,000 per Policy Year S$40,000 per Policy Year
Life assured is the organ recipient

Overseas Medical Treatment

As Charged (paying the lower As Charged (paying the lower

Emergency Medical Treatment outside Singapore of the overseas charges or in of the overseas charges or in
Planned Overseas Medical Treatment1 accordance with Singapore accordance with Singapore
Private Hospital’s charges) 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 / As Charged

Laboratory Services incurred within 365 days after confinement or
day surgery

Post-Hospitalisation Hyperbaric Oxygen Therapy incurred within

S$10,000 per Policy Year S$5,000 per Policy Year
365 days after confinement or day surgery

Outpatient Hospital Benefits

Outpatient Cancer Treatment

Radiotherapy for Cancer

- External (except Hemi-body)

- Brachytherapy
As Charged
- Hemi-body

- Stereotactic

Chemotherapy and Immunotherapy

Patients receiving treatment for one primary cancer

5x of the MediShield Life limit for one primary cancer per month
- Cancer Drug Treatment2

- Cancer Drug Services3 5x of the MediShield Life limit for one primary cancer per Policy Year

Patients receiving treatment for Multiple Primary Cancers Sum of the highest cancer drug treatment limit among the
- Cancer Drug Treatment2 claimable treatments received for each primary cancer per month

- Cancer Drug Services3 5x of the MediShield Life limits for Multiple Primary Cancers
per Policy Year

Outpatient Kidney Failure Treatment

Kidney Dialysis

Erythropoietin for Chronic Kidney Failure

As Charged
Immunosuppressants for Organ Transplant

Long-term Parenteral Nutrition

Other Benefits

Inpatient and Outpatient Proton Beam Therapy S$100,000 per Policy Year

Cell Tissue and Gene Therapy Treatment S$250,000 per Policy Year

Final Expense Provision S$5,000 S$3,000

Serious Pregnancy and Delivery-related Complications As Charged

18
Benefits of PRUShield Premier and PRUShield Plus (cont’d)
Plan PRUShield Premier PRUShield Plus

Benefits Singapore Private Hospital Singapore Restructured

Hospital (Class A Ward)
Other Benefits
Congenital Abnormalities of the life assured As Charged
Congenital Abnormalities of a female life assured’s biological child
S$20,000 per lifetime S$16,000 per lifetime
- First diagnosed or symptoms first appear within 24 months from the (limited to S$5,000 per child) (limited to S$4,000 per child)
date of birth of the child
Short Stay Ward (including Pre- and Post-hospitalisation expenses
incurred in a Short Stay Ward in a Singapore Restructured Hospital) As Charged

Future Insurance Option at Life Events S$100,000 sum assured per life
Continuation of the Autologous Bone Marrow Transplant Treatment for
Multiple Myeloma S$25,000 per Policy Year

Deductible4 per Policy Year

Restructured / Community Hospital C Ward S$1,500
Restructured / Community Hospital B2/B2+ Ward S$2,000
Restructured / Community Hospital B1 Ward S$2,500
Restructured / Community Hospital A Ward S$3,500
Private Hospital / Private Community Hospital S$3,500
Day Surgery – Subsidised S$1,500
Day Surgery – Non-Subsidised S$2,000
Short Stay Ward – Subsidised S$1,500
Short Stay Ward – Non-Subsidised S$2,000
Co-insurance5 10% 10%
Pro-Ration
Restructured / Community Hospital C Ward
Restructured / Community Hospital B2/B2+ Ward
NA
Restructured / Community Hospital B1 Ward
Restructured / Community Hospital A Ward
Private Hospital / Private Community Hospital NA 65%
Day Surgery – Subsidised
NA
Day Surgery – Non-Subsidised
Day Surgery – Private Hospital NA 65%
Short Stay Ward – Subsidised
Short Stay Ward – Non-Subsidised
NA
Outpatient Treatment – Subsidised
Outpatient Treatment – Non-Subsidised
Outpatient Treatment – Private NA 65%
Limits of Cover

S$2,000,000 (if admitted to and

Policy Year Limit treated by our Panel providers6) S$1,000,000
or S$1,200,000

Lifetime Limit Unlimited

Refresh Benefit (resets the Policy Year Limit when it is reached) S$1,200,000 S$1,000,000
Age Limits Singaporeans / PR / Foreigners
Maximum Entry Age 75
Maximum Renewal Age Lifetime

1
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.
2
Refer to the Cancer Drug List (CDL) on MOH’s website for the MediShield Life claim limits for Cancer Drug Treatment (on the CDL).
3
Refer to the MediShield Life Benefits on MOH’s website for the MediShield Life claim limits for Cancer Drug Services.
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 after deductible.
6
For PRUShield Premier plan, the Policy Year Limit is S$2,000,000 provided all claims within the same Policy Year are incurred at Panel Providers.
19
Enjoy more comprehensive coverage at Private Hospitals when you complement your PRUShield Premier
plan with PRUExtra Premier CoPay, PRUExtra Preferred CoPay or PRUExtra Premier Lite CoPay.
Plan PRUExtra Premier CoPay PRUExtra Preferred CoPay PRUExtra Premier Lite CoPay
Singapore Private
All Singapore All Singapore
Hospital / Ward Types Hospitals under our Panel
Private Hospitals Private Hospitals
or Non-panel Providers1

Covers 50% of deductible

Covers 95% of deductible amount, amount (subject to a maximum
PRUShield’s Deductible2 Amount (per Policy Year)
you pay the remaining 5% of S$1,750 per policy year), you
pay the remaining 50%

PRUShield’s Co-insurance3: 10% Covers 50% of co-insurance amount, you pay the remaining 50%
Stop-Loss (Per Policy Year)
4
S$3,000 for Panel Providers1, EP Specialists5 and in emergency cases
Claims-Based Premium Pricing Approach Applies NA
Outpatient Cancer Treatment6
Patients receiving treatment for one primary cancer
15x of the MediShield Life limit for one primary cancer per month
- Cancer Drug Treatment (on the CDL)7
- Cancer Drug Treatment (not on the CDL) S$150,000 per Policy Year
- Cancer Drug Services 8
15x of the MediShield Life limit for one primary cancer per Policy Year
Patients receiving treatment for Multiple Primary Cancers Sum of the highest cancer drug treatment limit among the claimable treatments
- Cancer Drug Treatment (on the CDL)7 received for each primary cancer per month
- Cancer Drug Treatment (not on the CDL) S$150,000 per Policy Year
- Cancer Drug Services 8
10x of the MediShield Life limit for Multiple Primary Cancers per Policy Year
Outpatient Psychiatric Treatment (Postpartum)
9
S$800 per Policy Year
Autism Test 9
S$800 per lifetime NA
Recurrent Miscarriage (Cost of Investigation)
9
S$800 per lifetime
Accident & Emergency Ambulance Fee9 S$250 per injury or illness
Immediate Family Member’s Accommodation with Child9 S$80 per day
Post-Hospitalisation Follow-up TCM 9
S$6,000 per Policy Year
NA
Emergency Outpatient Treatment due to an Accident 9
S$3,000 per Policy Year
Special Appliances and Prosthesis9 S$3,000 per Policy Year
Waives 36 months of future premiums10 if the life
Disability Waiver Benefit assured is diagnosed to be Totally and Permanently NA
Disabled before age 70

1
Our Panel Providers consist of participating specialists on the PRUPanel Connect programme who provide inpatient or day surgery
treatment at Panel Healthcare Institutions (HI). Panel Healthcare Institutions (Panel HI) refer to all restructured Hospitals and treatment
centres; and participating private Hospitals and treatment centres that appear on our PRUPanel Connect website.
Non-panel providers refer to specialists in non-panel Healthcare Institutions (Non-panel HI), which are private Hospitals and private
treatment centres listed under Non-panel on our website; and non-participating private specialists who provide inpatient or day surgery
treatment in private Hospitals and private treatment centres listed under Panel HI on our website.
We may change this Panel or Non-panel list from time to time.
2
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.
3
Co-insurance is a percentage of the claimable amount that a policyowner needs to co-pay after deductible.
4
Stop-loss refers to the total out-of-pocket expenses you need to make under the Deductible, Co-insurance and Co-payment features, which will
not exceed the sum of S$3,000 per policy year if your hospital confinement is with one of the Panel Providers1 or EP specialists5. However,
any amount that you pay that is above any of the benefit’s maximum limit will not add towards the annual stop-loss amount.
5
An Extended Panel (EP) specialist is a Registered Medical Practitioner who meets all of the following conditions: is on another Integrated
Shield Plan Insurer’s approved panel list, has obtained pre-authorisation approval from us, follows our fees schedule, and meets
pre-authorisation terms and conditions. Learn more about the Extended Panel.
6
PRUExtra riders will cover non-CDL treatments under drug classes A, B, C, D and E based on LIA’s Non-CDL Classification Framework,
up to the annual policy claim limit for cancer drug treatments not listed on the CDL. This may be updated from time to time so please refer
to the FAQ at https://www.prudential.com.sg/prushield-changes for more information. The stop loss feature of S$3,000 will not apply to
non-CDL treatments.
7
Refer to the Cancer Drug List (CDL) on MOH’s website for the MediShield Life claim limits for Cancer Drug Treatment (on the CDL).
8
Refer to the MediShield Life Benefits on MOH’s website for the MediShield Life claim limits for Cancer Drug Services.
9
You need to co-pay 5% of the expenses incurred before we make any payment to you, subject to the benefit limit as listed in the Benefits
Schedule. Any expenses above the benefit limit as listed in the Benefits Schedule should also be borne by you.
10
Only waives the premiums for PRUExtra Premier CoPay or PRUExtra Preferred CoPay Rider. The premiums for PRUShield Premier continue to be payable.
20
Enjoy more comprehensive coverage at Restructured Hospitals when you complement your PRUShield Plus
plan with PRUExtra Plus CoPay or PRUExtra Plus Lite CoPay

Plan PRUExtra Plus CoPay PRUExtra Plus Lite CoPay

Singapore Restructured Hospital Singapore Restructured Hospital
Hospital/Ward Types
(Class A Ward) (Class A Ward)
Covers 50% of deductible amount
Covers 95% of deductible amount,
PRUShield’s Deductible1 Amount (per Policy Year) (subject to a maximum of S$1,750 per
you pay the remaining 5%
policy year), you pay the remaining 50%
PRUShield’s Co-insurance2: 10% Covers 50% of co-insurance amount, you pay the remaining 50%
Stop-Loss3 (Per Policy Year) S$3,000 for Panel Providers4, EP Specialists5 and in emergency cases
Outpatient Cancer Treatment6

Patients receiving treatment for one primary cancer

15x of the MediShield Life limit for one primary cancer per month
- Cancer Drug Treatment (on the CDL)7

- Cancer Drug Treatment (not on the CDL) S$150,000 per Policy Year

- Cancer Drug Services8 15x of the MediShield Life limit for one primary cancer per Policy Year

Patients receiving treatment for Multiple Primary Cancers Sum of the highest cancer drug treatment limit among the claimable treatments
- Cancer Drug Treatment (on the CDL)7 received for each primary cancer per month

- Cancer Drug Treatment (not on the CDL) S$150,000 per Policy Year

- Cancer Drug Services8 10x of the MediShield Life limit for Multiple Primary Cancers per Policy Year

Outpatient Psychiatric Treatment9 (Postpartum) S$600 per Policy Year

Autism Test 9
S$600 per lifetime NA
Recurrent Miscarriage (Cost of Investigation)
9
S$600 per lifetime

Accident & Emergency Ambulance Fee9 S$150 per injury or illness

Immediate Family Member’s Accommodation with Child9 S$60 per day

Post-Hospitalisation Follow-up Traditional Chinese
Medicine (TCM) Treatment by a Registered TCM
Practitioner in a Singapore Hospital, Community S$3,000 per Policy Year
Hospital or approved TCM medical institution incurred NA
within 365 days after confinement or day surgery9

Emergency Outpatient Treatment due to an Accident9 S$2,000 per Policy Year

Special Appliances and Prosthesis9 S$2,000 per Policy Year

1
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.
2
Co-insurance is a percentage of the claimable amount that a policyowner needs to co-pay after deductible.
3
Stop-loss refers to the total out-of-pocket expenses you need to make under the Deductible, Co-insurance and Co-payment features, which
will not exceed the sum of S$3,000 per policy year if your hospital confinement is with one of the Panel Providers4 or EP specialists5.
However, any amount that you pay that is above any of the benefit’s maximum limit will not add towards the annual stop-loss amount.
If your PRUShield Plus plan and/or PRUExtra Plus CoPay/PRUExtra Plus Lite CoPay is subject to pro-ration then the out-of-pocket expenses
paid due to the pro-ration will not add towards the annual stop-loss amount.
4
Our Panel Providers consist of participating specialists on the PRUPanel Connect programme who provide inpatient or day surgery
treatment at Panel Healthcare Institutions (HI). Panel Healthcare Institutions (Panel HI) refer to all restructured Hospitals and treatment
centres; and participating private Hospitals and treatment centres that appear on our PRUPanel Connect website.
Non-panel providers refer to specialists in non-panel Healthcare Institutions (Non-panel HI), which are private Hospitals and private
treatment centres listed under Non-panel on our website; and non-participating private specialists who provide inpatient or day surgery
treatment in private Hospitals and private treatment centres listed under Panel HI on our website.
5
An Extended Panel (EP) specialist is a Registered Medical Practitioner who meets all of the following conditions: is on another Integrated
Shield Plan Insurer’s approved panel list, has obtained pre-authorisation approval from us, follows our fees schedule, and meets
pre-authorisation terms and conditions. Learn more about the Extended Panel.
We may change this Panel or Non-panel list from time to time.
6
PRUExtra riders will cover non-CDL treatments under drug classes A, B, C, D and E based on LIA’s Non-CDL Classification Framework, up to
the annual policy claim limit for cancer drug treatments not listed on the CDL. This may be updated from time to time so please refer to the
FAQ at https://www.prudential.com.sg/prushield-changes for more information. The stop loss feature of S$3,000 will not apply to non-CDL
treatments.
7
Refer to the Cancer Drug List (CDL) on MOH’s website for the MediShield Life claim limits for Cancer Drug Treatment (on the CDL).
8
Refer to the MediShield Life Benefits on MOH’s website for the MediShield Life claim limits for Cancer Drug Services.
9
You need to co-pay 5% of the expenses incurred before we make any payment to you, subject to the benefit limit as listed in the
Benefits Schedule. Any expenses above the benefit limit as listed in the Benefits Schedule should also be borne by you. 21
Benefits Schedule for
PRUShield Standard Plan (Restructured Hospitals)

22
Benefits of PRUShield Standard Plan
Plan PRUShield Standard Plan
Benefits Singapore Restructured Hospital (Class B1 Ward)
Inpatient and Day Surgery Benefits
Daily Ward and Treatment Charges
Normal Ward S$2,250 per day1
Intensive Care Unit Ward S$6,850 per day1
Psychiatric S$680 per day (up to 60 days per Policy Year)
Community Hospital (Rehabilitative) S$760 per day
Community Hospital (Sub-acute) S$960 per day
Inpatient Palliative Care Service (General) S$560 per day
Inpatient Palliative Care Service (Specialised) S$760 per day
Surgical Benefits (including Day Surgery)
Surgical Procedure (Per Treatment)
- Table 1A S$590
- Table 1B S$1,050
- Table 1C S$1,050
- Table 2A S$1,800
- Table 2B S$2,300
- Table 2C S$2,370
- Table 3A S$3,290
- Table 3B S$4,240
- Table 3C S$4,760
- Table 4A S$5,970
- Table 4B S$8,220
- Table 4C S$8,220
- Table 5A S$8,920
- Table 5B S$9,750
- Table 5C S$11,030
- Table 6A S$15,910
- Table 6B S$15,910
- Table 6C S$17,300
- Table 7A S$21,840
- Table 7B S$21,840
- Table 7C S$21,840
Implants S$9,800 per treatment
Radiosurgery including Proton Beam Therapy –
S$31,300 per treatment course
Category 4
Outpatient Treatment Benefits
Kidney Dialysis S$3,740 per Calendar Month
Outpatient Cancer Treatment
Patients receiving treatment for one primary cancer
3x of the MediShield Life limit for one primary cancer per month
- Cancer Drug Treatment2
- Cancer Drug Services3 2x of the MediShield Life limit for one primary cancer per Policy Year
Patients receiving treatment for Multiple Primary Cancers Sum of the highest cancer drug treatment limit among the claimable treatments
- Cancer Drug Treatment2 received for each primary cancer per month
- Cancer Drug Services3 2x of the MediShield Life limit for Multiple Primary Cancers per Policy Year
Radiotherapy for Cancer
- External (except Hemi-body) S$880 per treatment
- Brachytherapy S$1,100 per treatment
- Hemi-Body S$2,510 per treatment
- Stereotactic S$6,210 per treatment
- Proton Beam Therapy
• Category 1 S$880 per treatment
• Category 2 S$1,100 per treatment
• Category 3 S$6,210 per treatment
Immunosuppressants for Organ Transplant S$1,480 per Calendar Month
Erythropoietin for Chronic Kidney Failure S$450 per Calendar Month
Long-term Parenteral Nutrition S$3,980 per Calendar Month
23
Benefits of PRUShield Standard Plan (cont’d)
Plan PRUShield Standard Plan
Benefits Singapore Restructured Hospital (Class B1 Ward)
Other Benefits
Continuation of the Autologous Bone Marrow Transplant Treatment for
S$14,040 per treatment
Multiple Myeloma
Serious Pregnancy and Delivery-related Complications Covered under existing inpatient limits
80 years old and below 81 years old and above
Deductible per Policy Year4
(age next birthday) (age next birthday)
Restructured Hospital / Community Hospital C Ward S$1,500 S$2,000
Restructured Hospital / Community Hospital B2/B2+ Ward S$2,000 S$3,000
Restructured Hospital / Community Hospital B1 Ward
Restructured Hospital / Community Hospital A Ward S$2,500 S$3,000
Private Hospital / Private Community Hospital
Day Surgery – Subsidised S$1,500 S$2,000
Day Surgery – Non-Subsidised S$2,000 S$3,000
Short Stay Ward – Subsidised S$1,500 S$2,000
Short Stay Ward – Non-Subsidised S$2,000 S$3,000
Co-Insurance5 10%
Pro-Ration Singapore Citizens Singapore Permanent Residents
Private Hospital / Private Community Hospital / Private Inpatient Palliative
50%
Care Service

Restructured Hospital / Community Hospital / Inpatient Palliative Care

80%
Service A Ward

Restructured Hospital / Community Hospital / Inpatient Palliative Care

NA 90%
Service B1 Ward

Restructured Hospital / Community Hospital / Inpatient Palliative Care

Service B2 / C Ward
NA
Short Stay Ward (Subsidised / Non-subsidised)
Day Surgery (Subsidised / Non-subsidised)
Day Surgery (Private) 65%
Outpatient Treatment (Subsidised / Non-subsidised) NA
Outpatient Treatment (Private) 65%
Limits of Cover
Policy Year Limit S$200,000
Lifetime Limit Unlimited
Age Limits
Maximum Entry Age NA
Maximum Renewal Age Lifetime

1
Limits are higher by S$300 for the first two days of inpatient stay.
2
Refer to the Cancer Drug List (CDL) on MOH’s website for the MediShield Life claim limits for Cancer Drug Treatment (on the CDL).
3
Refer to the MediShield Life Benefits on MOH’s website for the MediShield Life claim limits for Cancer Drug Services.
4
Deductible is a fixed amount to be paid by a policyowner before the MediShield Life and PRUShield Standard Plan benefits are payable.
5
Co-insurance is a percentage of the claimable amount that a policyowner needs to co-pay after deductible.

24
For information on PRUShield and PRUExtra premiums for Singaporeans, Permanent Residents
of Singapore and Foreigners, please visit www.prudential.com.sg/PRUShield

For more information, speak to your Prudential Financial Representative.

Call us at 1800 333 0 333 today.

www.prudential.com.sg

Important Notes:

PRUShield is a yearly renewable plan. Prudential guarantees lifetime coverage for PRUShield and PRUExtra.

PRUExtra premiums cannot be paid by MediSave.

We reserve the right to vary the policy benefits, features, conditions, and/or name at any time by giving 30 days’
written notice to the policyowner before doing so.

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
Representative 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 Representative.

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.

These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore
Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required
from you. For more information on the types of benefits that are covered under the scheme as well as the limits
of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC websites (www.gia.org.sg
or www.lia.org.sg or www.sdic.org.sg).

In the event that the policy is not suitable, the client may cancel the policy by making a written request to
Prudential within the 21-day free look period. Prudential will refund any premiums paid, less medical fees, other
expenses incurred and any outstanding amounts owed in connection with the policy.

Information is correct as at 1 April 2024.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

25
Prudential Assurance Company Singapore (Pte) Limited
(Reg. No. 199002477Z)
7 Straits View
#06-01 Marina One East Tower
Singapore 018936
Tel: 1800 333 0333 Fax: 6734 6953
Part of Prudential plc

www.prudential.com.sg

26