A PREMIER OR A PLUS?

PRUSHIELD A PREMIER OR PRUSHIELD A PLUS; WHICH IS RIGHT FOR YOU?

PruShield A Premier

Single Bedded Ward
(Singapore Private Hospital)

PruShield A Plus

Class A Ward
(Singapore Restructured Hospital)

Hospitalisation Benefit¹

Daily Room & Board
Daily Intensive Care
Miscellaneous Hospital Services
Daily Inpatient Physician's Visit
Confinement in Community Hospital
Accidental Inpatient Dental Treatment

As Charged

Surgical Benefits (including Day Surgery)

Surgical Procedure
Organ Transplant Benefit ²
Stem Cell Transplant Treatment ³
Surgical Implants/ Approved Medical Consumables
Gamma Knife/ Novalis Radiosurgery ⁴

As Charged

Pre- & Post-Hospitalisation Benefit

Pre-Hospitalisation Specialist Consultation and Diagnostic Laboratory Services incurred 90 days preceding Hospital Confinement
Post-Hospitalisation Follow-up Treatments and Diagnostic/ Laboratory Services incurred within 90 days after Hospital Confinement
Post-Hospitalisation Hyperbaric Oxygen Therapy incurred within 90 days after Hospital Confinement. (New)

As Charged

$10,000 per Policy Year

As Charged

$5,000 per Policy Year

Emergency Medical Treatment outside Singapore

As Charged
(paying the lower of:
- the overseas charges;
or
- in accordance with a Singapore Restructured Hospital's charges)

As Charged
(paying the lower of:
- the overseas charges;
or
- in accordance with a Singapore Restructured Hospital's charges )

Outpatient Hospital Benefits ⁵

Outpatient Cancer Treatment
(Radiotherapy, Stereotactic Radiotherapy, Chemotherapy, Immunotherapy)
Outpatient Renal Failure Treatment
(Renal Dialysis, Erythropoietin)
Approved Immunosuppressant Drugs for Organ Transplant⁶

As Charged

Other Benefits:

Final Expense Provision ⁷

$5,000

$3,000

Pregnancy Complications Benefit ⁸

As Charged

Congenital Abnormalities ⁹

As Charged

Deductible per Policy Year ¹⁰

Restructured C Ward
Restructured B2 Ward
Restructured B1 Ward
Restructured A Ward
Private Hospital
Day Surgery - Subsidised
Day Surgery - Non-Subsidised

$1,000
$1,500
$2,000
$3,000
$3,000
$1,500
$2,000

$1,000
$1,500
$2,000
$3,000
$3,000
$1,500
$2,000

Co-Insurance

10%

Pro-Ration ¹¹

Private Hospital

N.A.

Limits of Cover

Policy Year Limit with adjustment feature¹² (New)

Lifetime Limit

$500,000
(Before 1^st July 2009)

$528,000
(On and after 1^st July 2009)
UNLIMITED

$300,000
(Before 1^st July 2009)

$316,800
(On and after 1^st July 2009)
UNLIMITED

Age Limits

Maximum Age Entry
Maximum Renewal Age

75
LIFETIME

75
LIFETIME

The individual benefit limits are:

The benefit includes meals, in-patient prescriptions, professional charges, investigations, laboratory tests, short stay ward as approved by the Restructured Hospital, high dependency ward stay and other miscellaneous medical charges.
The benefit pays the surgical fee incurred for major organ transplant for: kidney(s), heart, liver, cornea(s), bone marrow, skin or musculoskeletal tissue.
This benefit pays when the life assured requires stem cell transplant due to life threatening disorders such as Leukaemia, Thalassemia Major and Lymphoma after not responding to treatment of chemotherapy, radiotherapy and surgery.
Gamma knife/ Novalis Radiosurgery can be performed as an Inpatient or day surgery procedure. The applicable Deductible and pro-ration factor for Gamma Knife/ Novalis Radiosurgery procedure will depend on its classification as an Inpatient or day surgery procedure.
The Deductible does not apply to Outpatient Hospital benefits.
This benefit provides coverage for the following Approved Immunosuppressant Drugs:
- Cyclosporin
- Tacrolimus
- Azathioprine tablets
- Mycophenolate mofetil capsules and tablets
- Mycophenolate sodium tablets
- Sirolimus tablet and oral solution
- Daclizumab injection
- Basiliximab injection
This benefit is a waiver of the Deductible and Co-insurance, under certain conditions, up to the stipulated limits.
This benefit pays when the following conditions are first diagnosed by an obstetrician after 10 months from the start date of the policy or the date of reinstatement (if any), whichever is later-ectopic pregnancy, pre-eclampsia & eclampsia, disseminated intravascular coagulation or miscarriage.
This benefit pays for hospitalisation expenses incurred for Medically Necessary treatment relating to birth defects, including hereditary conditions and congenital sickness or abnormalities of the life assured who was first diagnosed by a Registered Medical Practitioner or symptoms first appeared after 2 years from the Cover Start Date of the policy or the date of reinstatement (if any), whichever is later.
Deductibles will be increased by 50% depending on ward class when life assured is above age 85.
Pro-ration factors are applied to reduce private hospital bills to A ward equivalents of a Restructured Hospital in the claims computation.
Policy Year Limit is the annual claim limit for a Policy Year. We will adjust the Policy Year Limit yearly to keep pace with medical costs inflation. This feature does not apply to the Policy Year limits set for the Post-hospitalisation Hyperbaric Oxygen Therapy and Final Expense Provision.

Note:

PruShield is a yearly renewable plan. Prudential guarantees lifetime coverage for PruShield A Premier and PruShield A Plus.

Premiums are not guaranteed and may be adjusted based on future experience. The Company reserves the right to vary premiums at any time by giving 30 days’ written notice to the policy-owner before doing so.

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. You should seek advice from a qualified Adviser if in doubt.

This information is for reference only and is not a contract of insurance. Please refer to the exact terms and conditions and specific details applicable to this insurance in the product summary and policy document that can be obtained from a Financial Consultant.

Information correct as at 12 December 2008