Prudential PRUShield Review

The complete Pros and Cons on Prudential PRUShield

PRUShield complements MediShield Life and provide you with more extensive coverage for medical and hospitalisation bills without having to worry about rising medical costs.

Prudential PRUShield product details

We rated Prudential PRUShield and PRUExtra Copay as best for features, refer to our 3 Best Integrated Shield Plans And Riders In Singapore (2023 Edition) for the detailed write-up.

  • Non-participating policy – Integrated Shield Plan
  • Complement your MediShield Life to ensure that you have access to the medical care you need without having to worry about rising medical costs
  • Highest annual coverage of up to $1.2 million for medical treatment
  • Provides a wider choice of private and restructured hospitals, ward classes and doctors
  • Pre-Hospitalisation coverage for up to 180 days before confinement or day surgery, and Post-Hospitalisation coverage for up to 365 days after confinement or day surgery
  • Guaranteed renewability of plan for a lifetime coverage
  • Coverage for Planned Overseas Medical Treatment
  • No medical underwriting required to purchase a new plan for significant life events

Prudential Pru shield is a commonly search alternative for Prudential PRUShield.

Read AboutIntegrated Shield Plan: How does it work?

Read AboutIntegrated Shield Plan: 4 things you should be aware of

Features of Prudential PRUShield at a glance

Key benefits and features

Based on the option with the highest coverage, PRUShield Premier 

Inpatient hospital treatment

  • Emergency overseas treatment: As charged, limited to costs of Singapore private hospitals
  • Planned overseas treatment: As charged, limited to costs of Singapore private hospitals
  • Pre-hospitalisation treatment: Up to 180 days
  • Post-hospitalisation treatment: Up to 365 days

Outpatient hospital treatment

  • Chemotherapy for cancer: As charged
  • Immunotherapy for cancer: As charged
  • Renal dialysis: As charged
  • Post-hospitalisation follow-up TCM treatment: Not covered

Unique Benefits

  • N.A.

Note: Prudential PRUShield Premier does not cover Co-insurance (Up to S$3,500) and Deductible (10% of the claimable amount).

*IMPORTANT* An additional PRUExtra Copay (Integrated Shield Plan rider) has to be purchased for capped coverage on Co-insurance and Deductible.

For further information and details, refer to Prudential website. Alternatively, fill-up the form below and let us advise accordingly.

Read AboutNo budget for financial planning?

Read About: 3 Best Integrated Shield Plans and riders (2023 Edition) *Updated*

Prudential PRUShield may be suitable if you are looking for

Prudential PRUShield may potentially be a good fit if the following matters to you:

  • Hospitalisation and medical insurance coverage
  • Integrated Shield Plan or Integrated Shield Plan riders
  • Reducing hospitalisation and medical expenses
  • Paying premium using MediSave Funds

Prudential PRUShield may not be suitable if you are looking for

Prudential PRUShield may potentially be a bad fit if the following matters to you:

  • Surrender value, Integrated Shield Plan and/or Integrated Shield Plan riders have no cash value

What is the annual premium for Prudential Integrated Shield Plan and rider based on my age?

Refer to the table below for the premium table for Prudential PRUShield Plus and Prudential PRUExtra Plus.

AgePrudential PruShield Plus
(Actual Premium/ Nett premium payable after using MediSAVE)
Prudential PruExtra Plus CoPay
(Premium for rider must be fully paid by cash)
1S$71/ S$0S$220
6S$64/ S$0S$220
11S$64/ S$0S$220
16S$64/ S$0S$220
21S$56/ S$0S$225
26S$56/ S$0S$225
31S$82/ S$0S$246
36S$107/ S$0S$246
41S$140/ S$0S$307
46S$173/ S$0S$307
51S$215/ S$0S$441
56S$246/ S$0S$590
61S$331/ S$0S$816
66S$679/ S$79S$1,064
71S$1,085/ S$185S$1,368
New application or switching of Integrated Shield Plan/ rider is not allowed after age 75.
76S$1,703/ S$803S$1,778
81S$2,227/ S$1,327S$2,019
86S$2,772/ S$1,827S$2,314
91S$2,866/ S$1,966S$2,454
96S$3,380/ S$2480S$2,603

Refer to our FAQs On Integrated Shield Plan And Riders for everything you need to know about upgrading your MediShield hospitalisation and medical treatment coverages.

Further considerations on Prudential PRUShield

  • How much will Prudential or Prudential PRUShield premium increase as I age?
  • How does Prudential PRUShield compare with Integrated Shield Plan and/ or Integrated Shield Plan riders from other insurance companies?
  • Can Prudential PRUShield fulfill my financial insurance, health and protection needs?

The above information may not fully highlight all the product details and features on Prudential PRUShield. Talk to us or seek advice from a financial adviser before making any decision about Prudential PRUShield.

Compare across all Integrated Shield Plans and riders!

Compare before you commit so you don’t have to regret later on. Depending on your medical and hospitalisation needs, the premium payable differs across insurers. Why pay more for what you do not need or short-charge on features and benefits by paying a little more?

compare integrated Shield Plans

Get exactly what you need for your MediShield LIFE upgrade by using our Integrated Shield Plans and rider comparison platform. Go on, its 100% free!

Is Prudential PRUShield suitable for me?

Contact InterestGuru using the form below. Our panel of licensed financial advisers will advise accordingly, based on your financial profile and protection needs.

All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.

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    Integrated Shield Plan/ Rider selector

    Just 5 simple questions to get you the most suitable Integrated Shield Plan/ Rider, based on your required medical and hospitalisation requirements.

    In the event of hospitalistion/ illness, where would you like to seek treatment?

    Would you prefer your hospitalisation and medical bills fully covered?

    (Additional premium via cash will be required.)

    Do you need a daily income during the period of hospitalisation?

    (Additional premium via cash will be required.)

    Would you wish to look into additional features and benefits?

    (Additional premium via cash will be required.)

    My current Integrated Shield Plan and rider (if any) is with:

    (This allows us to know if there are potential benefits from making any changes.)

    Your basic details for us to get quotes based on your profile.

    How do we address you?


    Your Date of Birth in Day/Month/Year format:


    We can reach you at:


    Your email address:


    Anything else you like us to know? (Optional)


    Before you go...
    Prudential PRUShield may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.
    Drop us a message and find out about customised options across multiple insurance companies. You deserve to get the best out of your hard-earned savings!


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