A health insurance plan that offers comprehensive medical coverage with options that suit your budget and healthcare needs.
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What is PRUShield?
PRUShield is a MediSave-approved Integrated Shield Plan which complements your MediShield Life (for Singaporeans and Permanent Residents) with the option to pay your premiums with your Medisave (up to the Additional Withdrawal Limits). PRUShield is also available for foreigners, as a private health insurance plan.
PRUShield insurance plan offers comprehensive medical coverage with options that suit your budget and healthcare needs. If you are a public service officer or staff of selected companies, you get to enjoy 10%1 off first year premiums2.
Learn more about the recent PRUShield benefit changes and premium adjustments
Affordable and sustainable insurance premiums that won’t break the bank.
Better Healthcare Experience
Seamless experience with shortest claims processing* and PRUPanel Connect Services.
Better Insurance Coverage
Among the lowest co-pay amount and yearly Refresh Benefit& to give you peace of mind.
Enjoy up to 95%^ health insurance coverage.
Enjoy a cashless3 and hassle-free experience at a selected panel of private and restructured hospitals, with a dedicated concierge service.
Claims-based pricing rewards you for staying healthy. Enjoy 20% off on your next renewal premium if there’s no claim during review period on your RUExtra Premier CoPay and PRUExtra Preferred CoPay
Check out these quick links
- PRUShield Coverage for Unvaccinated COVID-19 Patients
If you are unvaccinated against COVID-19 and are hospitalised for COVID-19 related illnesses, you will receive cover on your PRUShield Plan, subject to the standard Terms & Conditions of the PRUShield policy.
- Hospitalisation Cover for COVID-19 Patients
All Singaporeans, Permanent Residents and Long-term Pass Holders, who travelled out of Singapore, including countries with Vaccinated Travel Lanes (VTLs), and are hospitalised for symptoms for COVID-19 within 14 days of their return, will receive cover on their PRUShield Plan for COVID-19 treatment received on and after 20 October 2020 onwards.
If you travelled out of Singapore from 20 October 2020 and are hospitalised overseas due to COVID-19 infection, you will receive PRUShield coverage under Emergency Medical Treatment outside Singapore benefit. This is subject to the standard Terms & Conditions of the PRUShield policy. Day surgery and outpatient treatment are not covered.
For businesses, our Group Medical Plan covers medical costs related to the Coronavirus Disease 2019 (COVID-19), subject to the terms and conditions of your plan.
- Hospitalisation Cover for Adverse Effects of COVID-19 Vaccination
Effective 13 January 2021, PRUShield plans will provide coverage for policyholders who are hospitalised due to adverse effects from COVID-19 vaccinations, provided it is authorised by the Singapore Health Sciences Authority and administered on the recommendation of a registered medical practitioner duly licensed by Singapore Medical Council.
From 17 June 2021, PRUShield plans will also cover adverse effects from COVID-19 vaccines administered under the Special Access Route (SAR). Coverage will be provided for COVID-19 vaccinations under the Special Access Route (SAR) until 31 December 2022.
This supports the national COVID-19 vaccination strategy, including the recommendation to vaccinate all medically eligible persons residing in Singapore, although vaccination should remain voluntary.
For Daily Hospital Cash Benefit, Coverage for Telemedicine and more information, please refer to our FAQ or speak to your Financial Consultant or call our PRUCustomer Line at 1800 333 0 333 for assistance.
Panel Providers include:
- All Private Registered Medical Practitioners/Specialists, Private Hospitals and Private Treatment Centres listed on the PRUPanel Connect website
- All Restructured Hospitals and Treatment Centres
Note: PRUPanel Connect value-added services are applicable for all under (1) and a selected number of Restructured Hospitals and Medical Practitioners/Specialists under (2), all of which are listed on the PRUPanel Connect website.
Non-Panel Providers are:
- Non-participating specialists under Raffles Hospital
- Non-participating specialists under Mount Alvernia Hospital
- Non-participating specialists under Private Treatment Centres listed on PRUPanel Connect Website.
- Parkway East Hospital
- Thomson Medical Centre
- Medical Institutions categorized as Day Surgery Centres, Dialysis Centres and Oncology Clinics under the list of MediShield Institutions Participating in MediShield Life Scheme. Please refer to CPFB Website here.
‘No Access’ can be described as:
Under the PRUExtra Preferred CoPay plan, if a private hospital or private medical institution is not listed under either Panel or Non-Panel, the claim will not be admissible.
Please refer to the policy document for more information.
We reserve the right to change this Panel or Non-Panel list from time to time.
PRUShield Plus: No pro-ration for outpatient kidney dialysis treatments performed at National Kidney Foundation (NKF) and Kidney Dialysis Foundation (KDF).
1Only applicable for PRUShield Premier and PRUShield Plus. Discount is only available when the purchase is done through a Prudential Financial Consultant. Please check with your Financial Consultant on eligibility for this promotion.
2Refers to Prudential’s portion of the Integrated Shield Plan (IP) premium.
3Terms & conditions apply. Please refer to PRUPanel Connect website
^Only applicable to PRUExtra Premier CoPay, PRUExtra Preferred CoPay & PRUExtra Plus CoPay.
&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.
*Source: MOH website, as of 1 April 2022
For planned overseas medical treatment under PRUShield, referrals must be obtained from any of the following healthcare providers:
- Health Management International (HMI);
- or Parkway Holdings Pte Ltd
The list is subject to any change made on the covered healthcare providers for approved overseas hospitalisation by Medisave and we reserve the right to review and change such list as required from time to time.
PRUShield is a yearly renewable plan. PRUExtra premiums cannot be paid by MediSave. Prudential guarantees lifetime coverage for PRUShield and PRUExtra inforce policies.
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.
Premiums are not guaranteed and may be adjusted based on future claims experience. Prudential serves 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 first premium) on cover start date and each policy anniversary date (for renewable premium).
This is a non-participating plan and the nature of PRUShield and PRUExtra is different from life or endowment products as it has no surrender value.
The information on this website 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.
The information contained on this website is intended to be valid 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 the product brochures, the English version shall prevail.
This policy is 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 web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
Information is correct as at 1 April 2022.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
A unique and customisable protection term plan designed to keep up with your changing needs.