PRUExtra Care Series Review [2026]

Last updated: 19 May 2026

PRUExtra Care Series is Prudential’s new suite of ISP riders launched from 1 April 2026, replacing the old PRUExtra CoPay riders. Comprising three riders, PRUExtra Premier Care, PRUExtra Preferred Care and PRUExtra Plus Care, the new series complies with MOH’s new rider requirements and introduces meaningful new benefits including a critical illness benefit and retrenchment premium waiver — while being at least 30% more affordable than the old riders.

Read About: New ISP Rider Changes April 2026 Singapore: What You Need to Know

Read About: Prudential PRUShield Review 2026

PRUExtra Care Series Product Details

• Supplementary rider series for Prudential PRUShield Integrated Shield Plan
• New from 1 April 2026, replaces old PRUExtra CoPay riders, complies with MOH’s new ISP rider requirements
• Three riders available, PRUExtra Premier Care (private hospitals), PRUExtra Preferred Care (PRUPanel Connect preferred list), PRUExtra Plus Care (restructured hospitals up to Class A)
• Co-Insurance Coverage, 5% co-payment of eligible hospitalisation bills
• Stop-Loss Benefit, $6,000 per policy year (excludes minimum IP deductible), applicable for Panel Providers, Extended Panel specialists and emergency treatment at A&E
• Minimum IP Deductible, $3,500 and below is not covered and must be paid out of pocket. Where PRUShield’s deductible exceeds $3,500, 95% of the amount above $3,500 is covered
• New: Critical Illness Benefit, additional policy year limit of up to $100,000 if hospitalisation is due to early, intermediate or late-stage critical illness
• New: Retrenchment Premium Waiver, 12-month premium waiver for PRUExtra Premier Care and PRUExtra Preferred Care customers who remain unemployed for 6 consecutive months
• New: PRUWell Reward, 20% discount on standard level premium for PRUExtra Premier Care customers issued with no special terms, and at next renewal if no claims are made
• New: Claims-Based Premium Pricing, PRUExtra Premier Care customers treated by panel specialists at panel hospitals can keep premiums level at next renewal
• New: Complimentary Health Screening, one-time offer at Raffles Medical Group clinics for new PRUExtra Preferred Care customers
• Premium Savings, at least 30% more affordable than old PRUExtra CoPay riders across all age groups. PRUExtra Preferred Care is at least 45% more affordable, with some age groups seeing up to 55% difference
• Cash outlay only, rider premiums cannot be paid by MediSave

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Features of PRUExtra Care Series at a Glance

PRUExtra Premier Care — For Private Hospital Coverage

• For PRUShield Premier policyholders (private hospitals)
• Co-payment, 5% with $6,000 stop-loss per policy year (panel providers, extended panel specialists and A&E)
• Minimum IP deductible, $3,500 must be paid out of pocket
• At least 30% more affordable than old PRUExtra Premier CoPay rider
• PRUWell Reward, 20% discount on standard level premium with no claims at renewal
• Claims-based premium pricing, premiums remain level at next renewal for panel treatment

PRUExtra Preferred Care — For PRUPanel Connect Preferred Hospitals

• For PRUShield Premier policyholders who want to use Prudential’s preferred list of private healthcare institutions under PRUPanel Connect
• Co-payment, 5% with $6,000 stop-loss per policy year
• Minimum IP deductible, $3,500 must be paid out of pocket
• At least 45% more affordable than old PRUExtra Preferred CoPay rider, with some age groups seeing up to 55% difference
• Complimentary one-time health screening at Raffles Medical Group clinics upon new policy inception
• Access to PRUPanel Connect’s integrated healthcare experience and value-added services

PRUExtra Plus Care — For Restructured Hospitals Up to Class A

• For PRUShield Plus policyholders (restructured hospitals up to Class A wards)
• Co-payment, 5% with $6,000 stop-loss per policy year (panel providers and A&E)
• Minimum IP deductible, $1,500 to $2,000 must be paid out of pocket depending on ward class
• At least 30% more affordable than old PRUExtra Plus CoPay rider

New Benefits Across All PRUExtra Care Riders

Comparison: Old PRUExtra CoPay vs New PRUExtra Care Series

Note: If you purchased the old PRUExtra CoPay rider before 27 November 2025, your existing rider continues under current terms. You are not required to switch to the PRUExtra Care Series immediately.

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

Read About: Do I Need an Integrated Shield Plan in Singapore?

PRUExtra Care Series May Be Suitable If You Are Looking For

PRUExtra Care Series may potentially be a good fit if the following matters to you:

• You are covered under Prudential PRUShield and want to reduce your co-insurance share when hospitalised
• A stop-loss of $6,000 per policy year for more predictable out-of-pocket costs at panel providers
• The new Critical Illness Benefit, additional policy year limit of up to $100,000 if hospitalised due to CI, providing extra coverage for complex and prolonged CI treatments
• The Retrenchment Premium Waiver, 12 months of premium waiver if you lose your job, giving you financial relief during a difficult period
• At least 30% cheaper premiums compared to the old PRUExtra CoPay riders
• PRUExtra Preferred Care, access to Prudential’s preferred list of private hospitals with at least 45% cheaper premiums and complimentary health screening
• Claims-based premium pricing, keeping your premiums level at renewal when using panel providers

PRUExtra Care Series May Not Be Suitable If You Are Looking For

PRUExtra Care Series may potentially be a bad fit if the following matters to you:

• Near-zero out-of-pocket hospitalisation costs, the minimum IP deductible of $1,500 to $3,500 must still be paid out of pocket
• Those who do not hold a PRUShield plan, this rider series is only available for PRUShield policyholders
• Those who primarily use restructured hospitals at Class B2/C wards, MediShield Life alone may be sufficient
• Paying rider premiums using MediSave, rider premiums are cash outlay only

Further Considerations on PRUExtra Care Series

• Which PRUExtra Care rider is right for me, Premier Care, Preferred Care or Plus Care?
• Should I switch from my old PRUExtra CoPay rider to the new PRUExtra Care Series?
• How does the Critical Illness Benefit work in practice?
• How much will my out-of-pocket costs be with PRUShield and PRUExtra Care?
• How does PRUExtra Care compare with riders from other insurers?

The above information may not fully highlight all the product details and features of PRUExtra Care Series. Talk to us or seek advice from a MAS-licensed financial adviser before making any decision about PRUExtra Care Series.

Is PRUExtra Care Series Suitable for Me?

Not sure which PRUExtra Care rider is right for you? Compare it against other ISP plans and riders in Singapore.

Read our Best Integrated Shield Plans Singapore 2026 guide or WhatsApp us for a free personalised ISP review, no obligation, no cost.