In Singapore's rapidly evolving healthcare landscape, having comprehensive hospital insurance is crucial for financial protection against unexpected medical expenses. PRUShield, an integrated shield plan by Prudential, offers enhanced coverage beyond MediShield Life. With rising healthcare costs and an aging population, PRUShield provides peace of mind by offering extensive medical coverage options to suit various budgets and healthcare needs. This plan allows you to focus on recovery without worrying about hefty medical bills, making it an essential consideration for Singaporeans seeking robust health insurance protection.
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PRUShield offers a range of comprehensive features designed to provide extensive coverage for various healthcare needs. From private hospital coverage to customizable rider options, this plan aims to minimize out-of-pocket expenses while offering flexibility in choosing healthcare providers. Let's explore the key features that make PRUShield stand out in the integrated shield plan market.
PRUShield Premier covers treatment in private hospitals, while PRUShield Plus covers up to Class A wards in restructured hospitals. PRUShield Premier offers an annual claim limit of up to S$1,200,000, ensuring comprehensive coverage for a wide range of medical treatments.
PRUExtra riders can be added to increase coverage by up to 95% of your out-of-pocket expenses. These riders cap your annual out-of-pocket costs at S$3,000, providing additional financial protection for unexpected medical events.
PRUShield plans have deductibles ranging from S$1,500 to S$3,500 per policy year, depending on the ward class. The co-insurance is set at 10% of the claimable amount after the deductible, which can be further reduced with PRUExtra riders.
PRUShield adopts a claims-based pricing approach for certain plans. This means premiums may be adjusted based on your claims history, potentially offering lower premiums for those with fewer claims.
PRUShield Premier and Plus offer pre-hospitalization coverage for up to 180 days and post-hospitalization coverage for up to 365 days. This extensive coverage period ensures comprehensive protection before and after your hospital stay.
The plan covers various outpatient treatments, including cancer treatments, kidney dialysis, and immunosuppressants for organ transplants. For cancer drug treatments, coverage can go up to 15 times the MediShield Life limits, providing substantial financial support for critical illnesses.
PRUShield goes beyond basic coverage to offer a comprehensive suite of benefits designed to provide long-term security and peace of mind. From lifetime coverage to protection for unexpected medical events, these benefits ensure that you're well-protected in various healthcare scenarios. Let's delve into the key benefits that make PRUShield a robust choice for your health insurance needs.
PRUShield offers lifetime coverage, ensuring that you remain protected regardless of age or health condition changes. This feature provides long-term security and peace of mind for policyholders.
The plan comes with a guarantee of lifetime renewability. This means that Prudential cannot terminate your coverage or refuse to renew your policy, regardless of changes in your health status or claims history.
PRUShield Premier covers congenital abnormalities of the life assured up to S$20,000 per policy year. It also provides coverage for congenital abnormalities of a female life assured's biological child, up to S$20,000 per lifetime (limited to S$5,000 per child).
The plan includes coverage for serious pregnancy and delivery-related complications. This benefit provides additional protection for expectant mothers, covering unexpected medical expenses related to pregnancy complications.
PRUShield includes coverage for inpatient psychiatric treatment. This benefit recognizes the importance of mental health and provides financial support for necessary psychiatric care.
PRUShield Premier and Plus offer coverage for emergency medical treatment outside Singapore. The plan pays the lower of the overseas charges or charges in accordance with Singapore private or restructured hospitals, depending on your plan type.
| Age | What suggestion covers | Premium |
|---|---|---|
| 27, Female making $3,800 a month | TPD $1,000,000 death $1,000,000 | $455.95 null |
| 39, Male making $4,166.667 a month | base plan: description Covers all Singapore Restructured Hospitals, up to A ward | Not provided |
| 26, Female making $4,301 a month | TPD $150,000 critical illness $150,000 death $30,000 early critical illness $100,000 | $1,448 annual |
| 23, Female making $12,000 a month | cancer treatment $1,500,000 hospitalisation | $1,079.3 annual |
| 25, Female making $2,000 a month | private provider: coverage type Covers all Singapore Private and Restructured Hospitals under Panel name PRUShield Premier restructured provider: coverage type Covers all Singapore Restructured Hospitals, up to A ward name PRUShield Plus | Not provided |
PRUShield offers several additional benefits that further enhance its value proposition. These features address specific healthcare needs and provide extra layers of protection in various scenarios. From innovative treatments to special provisions, these benefits demonstrate PRUShield's commitment to comprehensive coverage. Let's explore these additional benefits that set PRUShield apart in the integrated shield plan market.
PRUShield Premier provides coverage of up to S$60,000 per policy year for living organ donor transplant benefits. This feature supports both the donor and recipient in organ transplant procedures.
The plan covers stem cell transplant treatments. This benefit ensures coverage for advanced medical procedures that may be necessary for certain conditions.
PRUShield Premier offers a final expense provision of S$5,000, while PRUShield Plus provides S$3,000. This benefit helps cover end-of-life expenses, easing the financial burden on families.
PRUShield Premier includes a Future Insurance Option at life events, offering a sum assured of S$100,000 per life. This allows policyholders to increase coverage at significant life milestones without additional medical underwriting.
The plan offers continuation of autologous bone marrow transplant treatment for multiple myeloma, up to S$25,000 per policy year for PRUShield Premier. This ensures ongoing coverage for specific long-term treatments.
PRUShield is available to Singaporeans, Permanent Residents, and foreigners with eligible valid passes. The maximum entry age is 75 years old, with no maximum renewal age, ensuring lifetime coverage. To apply, you can contact a Prudential Financial Consultant or visit their website. The application process typically involves filling out a health declaration form. Depending on your health status and coverage level, a medical examination may be required. Once approved, you can choose to pay premiums annually or monthly, with the option to use Medisave for the basic plan premiums.
Filing a claim with PRUShield is designed to be straightforward. To make a claim, you need to complete the claim form and attach all supporting documents, such as original bills and receipts. You can submit these through your Financial Consultant or at the Prudential Customer Service Center. Alternatively, you may mail it to Prudential Assurance Company Singapore. For a smoother process, it's recommended to let your financial advisor handle the claims so you can focus on recovery. PRUShield boasts a fast claims processing time, with a median of 0 days and a 75th percentile of 1 day, according to MOH data. For any inquiries or assistance, you can contact Prudential's customer service at 1800 333 0 333.
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PRUShield offers comprehensive coverage that can benefit various types of customers. It's particularly suitable for those seeking high-level coverage in private hospitals or Class A wards, individuals concerned about long-term health protection due to family history, and those looking for flexibility in choosing healthcare providers. The plan's extensive benefits, including coverage for congenital conditions and pregnancy complications, make it an attractive option for growing families as well.
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