When life takes an unexpected turn, whether it’s an illness, a hospital stay, or a long term health condition, the last thing you want to worry about is the financial burden of medical bills. Health issues already create enough stress, and adding the anxiety of how to cover the costs of treatments or hospital care only makes it worse. This is why reliable and comprehensive health insurance is essential.
In Singapore, Prudential stands out as one of the leading providers of private medical coverage. They offer a range of health plans designed to meet the needs of individuals and families in a fast-paced, high-cost healthcare environment. In this article, we will explore Prudential’s health insurance offerings in Singapore — what they cover, who they suit best, and how they provide peace of mind when you need it most, no matter what life throws your way.
A Solid Reputation in Healthcare Protection
Prudential has served Singaporeans for decades. Its health insurance plans show a strong understanding of local healthcare needs.
As medical costs rise and more people turn to private healthcare, Prudential provides solutions to help individuals and families manage both routine and unexpected medical expenses.
Unlike basic national coverage schemes, Prudential’s plans give access to private hospitals, preferred doctors, and tailored treatment options. This allows policyholders to take greater control of their healthcare experience.
What Exactly Does Prudential Offer?
Prudential structures its health insurance around two key offerings:
- PRUShield – An Integrated Shield Plan that enhances the basic MediShield Life provided by the government.
- PRUExtra – A rider that supplements PRUShield to reduce or eliminate co-payments, deductibles, and other out-of-pocket costs.
Together, these plans create a comprehensive safety net that’s especially helpful in the face of serious illnesses, surgeries, or hospital stays.
Understanding PRUShield and PRUExtra
PRUShield
PRUShield is available in three tiers — each designed to cater to different levels of coverage and hospital preferences:
- PRUShield Standard: A cost-effective plan aligned with MediShield Life, suited for treatment in public hospitals under Class B1 or lower wards.
- PRUShield Plus: Offers enhanced coverage for Class A wards in public hospitals, ideal for those seeking better privacy and access to experienced medical professionals.
- PRUShield Premier: Designed for private hospital care, this plan provides extensive coverage and flexibility, allowing you to choose your doctor, enjoy shorter wait times, and access a wider range of medical treatments.
These plans cover a wide range of services, including:
- Inpatient hospital stays
- Surgery and operating theatre fees
- Diagnostic tests and specialist consultations
- Pre- and post-hospitalisation care (up to 180 days before and 365 days after treatment)
- Emergency overseas medical treatment
PRUExtra
PRUExtra works as an add-on to PRUShield, offering financial relief by covering the costs that your base plan doesn’t — such as deductibles, co-insurance, and consultation charges.
The PRUExtra suite includes different options:
- Premier CoPay – Top-tier rider for those seeking minimal out-of-pocket expenses and the broadest access to private healthcare.
- Preferred CoPay – Balanced option with strong coverage and competitive premiums.
- Plus CoPay – Entry-level rider for those who want added protection without stretching the budget.
With PRUExtra, you can enjoy cashless admissions at Prudential’s panel of private hospitals and medical specialists, plus additional support services such as second medical opinions and wellness benefits.
Learn more: PRUPanel Connect
Why Prudential?
Here are a few reasons why many in Singapore choose Prudential as their healthcare insurance provider:
- Private Hospital Access – Freedom to choose where you’re treated — with shorter waiting times and more personalised care.
- Wide Coverage Limits – Depending on your plan, you could be covered for up to S$1.2 million annually, making it easier to manage high treatment costs without financial strain.
- Extensive Support Before and After Hospitalisation – Not just your hospital stay — but everything leading up to it and the recovery after. This includes follow-up appointments, scans, physiotherapy, and medication.
- International Protection – Travel frequently? Prudential’s plans include emergency overseas medical coverage — an essential for business travellers and expats alike.
- Digital Convenience – Enjoy paperless claims, easy policy tracking through the Pulse by Prudential app, and a dedicated customer support team ready to guide you through the process.
Who Can Benefit Most from Prudential Health Insurance?
Prudential’s health insurance plans are suitable for a wide range of people, including:
- Young adults who are entering the workforce and want to safeguard against unexpected hospital bills.
- Growing families looking for flexible, long-term coverage that protects children and aging parents.
- Entrepreneurs and business professionals who value time and quick access to quality treatment.
- Older adults and retirees who want stability and dedicated medical care in their later years
By offering plan options across multiple life stages, Prudential ensures you can always find a package that grows with your needs.
How Are Premiums Structured?
Premiums depend on a few factors — your age, the type of plan, and your health condition. The older you are, the higher your premiums tend to be, especially for private hospital plans.
Payment flexibility:
- You can use MediSave to pay for part of your PRUShield premiums — up to CPF’s Additional Withdrawal Limits.
- PRUExtra premiums are paid in cash, but many find the reduced out-of-pocket expenses well worth the cost.
Your Prudential consultant can help you calculate your total premium and advise on the best plan mix for your budget and lifestyle.
Getting Started with Prudential
The enrolment process is simple:
- Speak to a Prudential Financial Consultant – They’ll assess your medical needs and suggest suitable plans.
- Complete your application – This may include medical underwriting depending on your age or history.
- Receive your policy – Once approved, you’ll receive your digital policy documents and be covered right away.
From there, you can manage your plan via the Pulse by Prudential app, check claims, update details, or reach out for support anytime.
Your Next Step
Prudential doesn’t just offer insurance – it offers confidence. The confidence that comes with knowing you can access quality healthcare when you need it most, without being overwhelmed by medical costs. Their flexible and well-structured plans are designed to suit a range of needs, making them a smart choice for individuals and families alike.
If you’re ready to take charge of your healthcare journey, speak with a financial consultant today. With the right plan in place, you can face tomorrow with confidence.
Melissa Mok – Master Financial Consultant In Singapore
Melissa prides herself as an educator and facilitator for her clients.
Disclaimer: 365Asia aims to provide accurate and up-to-date information, our contents do not constitute medical or any professional advice. If medical advice is required, please consult a licensed healthcare professional.