Prudential PruShield Health Insurance: Is it Worth Your Money?

Prudential PruShield Health Insurance: Is it Worth Your Money?

Prudential's health insurance plans tend to offer high value with comprehensive coverage.

Good for

  • Young, healthy consumers
  • Those looking for high value plans
  • Wealthy individuals

Bad for

  • Seniors looking for affordable private hospital coverage
  • Consumers looking for cheap B1 ward plans
  • Those looking for affordable riders

Editor's Rating


Prudential's PruShield plans can be good options for young, healthy individuals who are looking for comprehensive coverage at good prices. However, older individuals with large medical expenses or consumers looking for a bargain Standard or private hospital plan may fare better with other insurers.

Table of Contents

Summary of Prudential PruShield
Standard Plan has average value and average price
Plus plan offers high coverage for competitive prices
Premier plan costs above average but offers above average value
Riders cost above average but provide a variety of additional benefits
Can purchase plan online
10% off for Public Service Officers and staff of Selected Companies for first year

Prudential PruShield Highlights

Prudential PruShield is a great Integrated Shield Plan (IP) option for the average Singaporean who has no serious health conditions but still wants to enjoy higher ward coverage. It has three plans: the Standard plan for B1 ward coverage, the Plus plan for Class A ward coverage and the Premier plan for private hospital coverage. Prudential also offers an electronic Letter of Guarantee of up to S$10,000 to make your hospital admission process easier and to prevent high upfront costs. Furthermore, you can purchase this plan online and there's no need for medical underwriting for new plan purchases during significant life events such as marriage or childbirth.

This graph shows the average premium of Prudential PruShield's ward A plan compared to other ward A plans available

Prudential's non-Standard plans offer generous coverage with above average annual limits and pre and post-hospitalisation coverage. They fully cover hospitalisation, surgery and provide a variety of miscellaneous benefits. Prudential also offers 3 riders for its Premier plan, making it a good option for consumers looking for customisable private hospital health insurance plans.

While wealthy, young individuals will find high value in Prudential's non-Standard plans, two other types of consumers find better value elsewhere. This is especially considering Prudential's claim-based pricing approach, which heavily favours healthy individuals who aren't likely to experience hospitalisations. Furthermore, older consumers could face premiums that are 30% above the market average with Prudential's private hospital coverage. Lastly, budget minded consumers could find cheaper Standard plans for B1 wards from other insurers.

Fully Covered Hospitalisation & Surgery Treatments:

  • Daily Room and Board
  • Miscellaneous Hospital Services
  • Daily ICU
  • Confinement in Community Hospital
  • Surgical Procedures
  • Stem Cell Transplant
  • Gamma Knife/Novalis Radiosurgery
  • Radiotherapy/Chemotherapy/Immunotherapy
  • Emergency medical treatment abroad (check with insurer)

Prudential PruShield Standard Plan

Those who are looking for a budget Standard plan may not find Prudential to be their best option. Because Standard plans provide identical coverage across all IP insurers, their main differentiating factor is price and Prudential's pricing is lackluster. While premiums for 25 and 35-year olds are just under the average at S$49 and S$65 (before Medisave contributions), premiums for older individuals are average to slightly above average. Thus, older individuals who are looking for a budget-friendly B1 ward plans may fare better with other insurers such as Great Eastern.

Premiums & CoveragePruShield StandardStandard Avg.
25-Year-Old PremiumsS$48S$49
45-Year-Old PremiumsS$108S$103
65-Year-Old PremiumsS$250S$254
Value (Limit/S$ Premium)1,4601,494
Annual LimitS$150,000S$150,000
Inpatient PsychiatricS$17,500S$S$17,500
Surgery BenefitsS$590-S$16,720S$590-S$16,720
Daily Ward (Non-ICU)S$1,700/dayS$1,700/day

Prudential PruShield Plus Plan

The PruShield Plus plan is a great budget-friendly A ward plan with premiums that are 26-37% below average regardless of age. Not only that, its annual limit is around the ward A plan median at S$600,000 and includes full coverage for hospitalisation, surgery, cancer, renal failure, pregnancy complications, congenital abnormalities and accidental dental, along with S$3,500 of inpatient psychiatric coverage and a S$3,000 final expense benefit. The pro-ration for staying in private hospitals is also around the market average for A ward plans at 65% (meaning only 65% of your hospital bill will be covered).

While the Plus plan is a great option for those looking for affordable ward A plans, it may not benefit those who would prefer to maximise coverage, as there are A plans available with higher limit ward and better psychiatric and final expense benefits.

Premiums & CoveragePruShield PlusA Ward Median
25-Year-Old PremiumsS$56S$90
45-Year-Old PremiumsS$140S$229
65-Year-Old PremiumsS$415S$664
Value (Limit/S$ Premium)3,6052,421
Annual LimitS$600,000S$600,000
Inpatient PsychiatricS$3,500S$6,000
Surgery BenefitsAs ChargedAs Charged
Daily Ward (Non-ICU)As ChargedAs Charged

Prudential PruShield Premier Plan

Prudential's Premier plan can be a good option for wealthy individuals looking for a high value private hospital plan. Its premiums start off below market average for 25-year olds at S$209 but increase to 21% above average for 75-year olds. In terms of coverage, the Premier plan has an annual limit of S$1.2 million—the second highest limit out of all the IP plans available along with S$4,000 of inpatient psychiatric benefits, S$60,000 organ transplant benefits and a S$5,000 final expense provision. Hospitalisation, cancer, surgery, outpatient renal failure, pregnancy complications and accidental dental treatment are all fully covered as well. Due to its increasingly expensive premiums, we would not recommend this plan to budget-restricted seniors. However, wealthy individuals from age 25 to 35 may find some benefit with the above average benefits offered at fairly decent prices.

Premiums & CoveragePruShield PremierPrivate Hospital Median
25-Year-Old PremiumsS$209S$218
45-Year-Old PremiumsS$654S$638
65-Year-Old PremiumsS$1,912S$1,592
Value (Limit/S$ Premium)2,3852,379
Annual LimitS$1,200,000S$1,000,000
Inpatient PsychiatricS$4,000S$6,000
Surgery BenefitsAs ChargedAs Charged
Daily Ward (Non-ICU)As ChargedAs Charged

Prudential PruShield Riders

Prudential offers 1 rider for the Plus plan (PruExtra Plus CoPay) and 3 riders for the Premier plan (PruExtra Premier Copay, Preferred CoPay & Lite Copay).

PruExtra Plus Copay will cover 50% of your coinsurance responsibility and 95% of your deductible. It also offers miscellaneous benefits like ambulance fees (S$150 per injury), S$3,000 of alternative medicine coverage and S$3,000 of special appliances/prosthesis coverage. Premiums for PruExtra Plus fluctuate between being slightly above average to average. However, due to the Plus plan's fairly competitive premiums, your total cost will be below average and can thus be a high value plan-rider package.

Premiums & CoveragePruExtra Plus CoPayIndustry Avg.
25-Year-Old PremiumsS$225S$198
45-Year-Old PremiumsS$307S$309
65-Year-Old PremiumsS$816S$817
Alternative TreatmentS$3,000S$5,520
Emergency OutpatientS$2,000S$1,650
Mobility/Medical AidS$3,000S$2,250
Parental AccommodationS$30/dayS$63/day

PruExtra Premier Copay is for the Premier PruShield plan and offers the same benefits as PruExtra Plus Copay. The Premier Copay Lite rider, on the other hand, will only cover 50% of your deductible and does not offer parental accommodation, alternative treatment or prosthesis benefits. The PruShield Premier Copay rider is one of the most expensive riders on the market, costing between 80-144% above average, but the Premier Copay Lite costs between 25-30% below average for private hospital riders.

Premiums & CoveragePremier CopayPremier Lite CopayIndustry Avg.
25-Year-Old PremiumsS$485S$245S$333
45-Year-Old PremiumsS$922S$381S$507
65-Year-Old PremiumsS$3,347S$574S$817
Alternative TreatmentS$6,000N/AS$6,500
Emergency OutpatientS$3,000N/AS$2,417
Parental AccommodationS$60/dayN/AS$63/day

PruExtra Preferred CoPay is similar to the other riders available for PruShield Premier and will cover your medical expenses at Singapore private hospitals. It covers the standard amount of your deductible (95%) and co-insurance (50%). There is a S$3,000 annual limit on out-of-pocket expenses if you visit one of their panel providers. PruExtra Preferred CoPay maintains the claims-based pricing, so your premiums will depend on the claims you make.

Premiums & CoveragePruExtra Preferred CoPayIndustry Avg.
25-Year-Old PremiumsS$340S$198
45-Year-Old PremiumsS$646S$309
65-Year-Old PremiumsS$2,343S$817
Alternative TreatmentS$3,000S$5,520
Emergency OutpatientS$2,000S$1,650
Mobility/Medical AidN/AS$2,250

Policy Exclusions

Prudential PruShield has standard policy exclusions including pre-existing conditions, non-complication related pregnancy and childbirth, abortion, STI treatment, self-inflicted injuries and suicide, cosmetic and plastic surgery, sex change operations, vaccinations, treatment for obesity and treatment of injuries arising from participating in civil riots or commotions, terrorism, war, professional sports and hazardous occupations. However, you should note that in some instances, your MediShield Life plan may already be providing coverage for some of these exclusions (i.e. pregnancy and pre-existing conditions).

Claims & Contact Information

To file a claim with Prudential, you can go on their website to submit the relevant documents. Claim submission is divided into sections for hospital treatment, emergency medical treatment, overseas medical treatment, pre and post-hospitalisation treatment final expense benefit and the PruExtra/PruExtra Lite claims. Within the sections, you will find pdf downloads of the available forms and other documents necessary to submit your claim. For hospitalisation claims, you can submit your claim electronically by completing the Claim Form for Medisave Approved Integrated Plan at the hospital or clinic you visited.

Contact Information
Customer Service Number1-800 333 0333
Address5 Straits View #01-18/19, Marina One The Heart, Singapore 018935
Claims PageClaims Page

Prudential PruShield Cost & Features

Finding the right supplemental health insurance plan for your needs can mean saving thousands of dollars in unexpected hospital bills. While Medishield Life covers your basic healthcare needs, adding an Integrated Shield Plan can fill gaps in your coverage while allowing you to get coverage in a ward you are most comfortable with. Below, you'll find a summary of PruShield's premiums and benefits to other Integrated Shield Plans on the market. For more information, you can read our guide to the best Integrated Shield Plans currently available.

Premiums & CoveragePruShield StandardPruShield PlusPruShield Premier
25-Year Old PremiumsS$48S$56S$209
45-Year Old PremiumsS$108S$140S$654
65-Year Old PremiumsS$250S$415S$1,912
Annual LimitS$150,000S$600,000S$1,200,000
Daily Room & BoardS$1,700As ChargedAs Charged
SurgeryS$590-S$16,720As ChargedAs Charged
Inpatient PsychiatricS$17,500S$3,500S$4,000
Pre-Hospitalisation Benefits (Days)N/A180180
Post-Hospitalisation Benefits (Days)N/A365365
Pregnancy Complications BenefitN/AAs ChargedAs Charged
Accidental Dental BenefitsAs Per SurgicalAs ChargedAs Charged
Deductible B1 WardS$2,500S$2,500S$2,500
Deductible A WardS$3,500S$3,500S$3,500
Deductible Private HospitalS$3,500S$3,500S$3,500
Anastassia Evlanova

Anastassia is a Senior Research Analyst at ValueChampion Singapore, focusing on insurance. She holds degrees in Economics and International Business Management and her prior working experience includes work in the capital markets sector. Her analyses surrounding insurance, healthcare, international affairs and personal finance has been featured on AsiaOne, Business Insider, DW, Vice, Her World, Asia Insurance Review, the Australian Institute of International Affairs and more.

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