Prudential PRUShield Review

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 (Updated) 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 About: Integrated Shield Plan: How does it work?

Read About: Integrated 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 About: No budget for financial planning?

Read About: 3 Best Integrated Shield Plans and riders (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
  
  

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.

Is Prudential PRUShield suitable for me?