Are you worried about the rising costs of healthcare in Singapore? You're not alone. With Singapore's rapidly aging population and increasing life expectancy, many are concerned about how they'll manage unexpected medical expenses. That's where PRUShield comes in - a comprehensive health insurance plan designed to give you and your loved ones peace of mind when it comes to healthcare costs.
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PRUShield is an Integrated Shield Plan (IP) that complements MediShield Life , Singapore's basic health insurance scheme. It provides enhanced coverage for hospitalization and certain outpatient treatments, allowing you to focus on recovery rather than worrying about medical bills.
Up to S$1.2 million for medical treatments.
Your coverage continues as long as you need it.
Up to 180 days before and 365 days after hospitalization.
Options for both private and restructured hospitals.
Emergency medical treatment outside Singapore and planned overseas treatments.
| Age | What suggestion covers | Premium |
|---|---|---|
| 21, Female making $4,600 a month | lifetime limit policy year limit $2,000,000 | Not provided |
| 40, Male making $23,333.333 a month | $1,222.32 | |
| 20, Female making $4,000 a month | $[object Object] | |
| 25, Female making $3,500 a month | private provider: plan PRUShield Premier amount restructured provider: plan PRUShield Plus amount | Not provided |
| 24, Female making $8,000 a month | $473.29 |
PRUShield goes beyond MediShield Life, offering higher claim limits and additional benefits .
Choose from different plans to suit your needs and budget.
Rated best in customer satisfaction for five consecutive years.
Enjoy the shortest processing time in the industry .
Easy claiming process, even for pre- and post-hospitalization expenses.
For those who prefer private hospitals. Annual limit: S$1,200,000 . As-charged coverage for most inpatient and day surgery expenses, overseas medical treatment.
For those who prefer restructured hospitals (Class A wards). Annual limit: S$600,000 . As-charged coverage for most inpatient and day surgery expenses in restructured hospitals.
Basic plan covering restructured hospitals (Class B1 wards). Annual limit: S$200,000 . Fixed sub-limits for various treatments and procedures.
To further enhance your coverage and reduce out-of-pocket expenses, you can add PRUExtra supplementary plans to your main PRUShield plan. These include:
For PRUShield Premier: PRUExtra Premier CoPay, PRUExtra Preferred CoPay, PRUExtra Premier Lite CoPay
For PRUShield Plus: PRUExtra Plus CoPay, PRUExtra Plus Lite CoPay
These supplementary plans can help cover deductibles and co-insurance, potentially limiting your out-of-pocket expenses to as low as S$3,000 per policy year .
A healthcare institution-led panel program offering value-added services like appointment bookings, cashless transactions, and on-site concierge services.
For certain supplementary plans, your premium level is determined by your claims history. This can lead to lower premiums if you stay healthy and don't make claims.
In certain life events (like marriage or becoming a parent), you can purchase a new policy without medical underwriting.
Extensive coverage for cancer treatments , including those listed and not listed on the Cancer Drug List (CDL).
Some plans offer coverage for multi-stage Alzheimer's Disease, Severe Dementia, or Parkinson's Disease.
Let's consider John, a 30-year-old Singaporean who needs surgery and is hospitalized for 10 days in a private hospital. His total bill is S$80,000.
With PRUShield Premier alone:
With PRUShield Premier and PRUExtra Premier CoPay:
This example shows how adding a supplementary plan can significantly reduce your out-of-pocket expenses .
Use your company's group insurance or other individual plans when possible
Seek treatment at Panel Providers to limit premium level increases
Consider treatment at Restructured Hospitals, which can lower your premium level
PRUShield offers comprehensive coverage that can give you peace of mind when it comes to healthcare costs. However, the right plan for you depends on your individual needs, preferences, and budget. Here are some questions to consider:
Remember, while PRUShield offers excellent coverage, it's important to read the policy documents carefully and understand all terms and conditions , including any exclusions.
Healthcare costs in Singapore are rising, and having comprehensive health insurance is more important than ever. PRUShield offers a range of plans to suit different needs and budgets, with the flexibility to add supplementary coverage for even greater protection. With its high annual limits, wide hospital choice, and unique features like PRUPanel Connect and claims-based pricing, PRUShield can provide the peace of mind you need when it comes to healthcare.
However, choosing the right health insurance plan is a significant decision that should be made carefully. It's always a good idea to consult with a financial advisor who can provide personalized advice based on your specific situation and needs.
Ready to explore your options further? Don't rely on just one perspective. Get expert insights tailored to your unique needs . Sign up now to receive 5 expert opinions on Integrated Shield Plans. These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your healthcare needs. Don't leave your health protection to chance – get the expert advice you deserve today.
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