Zhi Hao, a 61-year-old small business owner, had always chalked up his occasional palpitations to stress. Between managing operations and mentoring younger entrepreneurs, he rarely stopped to think about his own health. But things shifted one afternoon when he felt lightheaded while walking to lunch—his pulse was irregular, and his breathing was shallow. He brushed it off at first. But when the same thing happened two days in a row, his wife insisted he see a doctor.
He scheduled an appointment with a Prudential panel cardiologist at a private heart clinic. A detailed ECG and follow-up assessments confirmed the diagnosis: atrial fibrillation—an irregular heartbeat that increases the risk of stroke and heart failure if left untreated. The cardiologist recommended starting an atrial fibrillation treatment plan involving both medication and a minimally invasive procedure called catheter ablation to correct the faulty electrical signals in his heart.
“I had no idea something so subtle could be this serious,” Zhi recalled. “But I felt I was in good hands—and I was relieved the clinic was part of my Prudential panel.”
Planning, Coverage, and Peace of Mind
As the treatment plan unfolded, Zhi Hao had another concern: cost. He had a PRUShield plan with Prudential but wasn’t entirely sure how far the coverage extended. Thankfully, the clinic team walked him through the steps and explained how he could use insurance for his atrial fibrillation treatment.
What made the biggest difference was his Prudential Financial Consultant. She submitted the pre-authorization request for him and coordinated all the necessary paperwork with the hospital and insurer. Within days, Prudential approved the coverage for the entire journey, including specialist consultations, the catheter ablation procedure, and follow-up care, under his PRUShield Integrated Shield Plan.
Because Zhi Hao also had PRUExtra Premier CoPay, he only needed to cover a small, capped portion of the total bill. He didn’t need to pay anything upfront either. The hospital sent the bill directly to Prudential, making the experience smooth and stress-free.
“I had always paid my premiums, but this was the first time I truly experienced what good coverage feels like,” Zhi Hao shared. “It wasn’t just about the money. It was the clarity and peace of mind that came with it.”
From Procedure to Progress
Zhi Hao underwent catheter ablation at a private hospital—a minimally invasive procedure that used targeted energy to correct the abnormal electrical signals in his heart. It took only a few hours, and he was able to return home later that same day. The quick turnaround surprised him, but what truly stood out was how calm he felt.
His wife noticed the difference too. Compared to the anxiety he felt at diagnosis, there was a quiet confidence in him now. With the financial and administrative side already taken care of—thanks to his Prudential Financial Consultant and the clinic team—Zhi Hao could focus on what mattered most: healing.
In the weeks that followed, he attended scheduled check-ups with his Prudential panel cardiologist. These sessions helped monitor his heart rhythm, adjust medications, and ensure there were no complications. The appointments were thoughtfully spaced out, giving him enough time to rest and gradually rebuild his stamina.
“The procedure was just one part of it,” he shared. “But having people handle everything in the background gave me the mental space I didn’t even know I needed. That made all the difference.”
New Habits, New Outlook
Three months later, Zhi was back to brisk walks, managing his consultancy work, and enjoying weekends with his grandchildren. His atrial fibrillation hadn’t returned, and his cardiologist was pleased with his progress.
What stayed with Zhi most wasn’t just the medical outcome. It was the seamless support system behind it. From accessing expert care quickly to avoiding large upfront payments and knowing his financial consultant was just a call away, every part of the process felt manageable.
“Health scares can turn your life upside down,” he reflected. “But with the right plan and people who really guide you through it, you never feel alone.”
Zhi’s journey through atrial fibrillation reminded him of the value of preparedness and how important it is to have the right coverage and compassionate support when it matters most.
Speak with a Financial Consultant
If you or a loved one has been diagnosed with a heart condition, take comfort in knowing that support is available. A Financial Consultant can help you understand your coverage, plan your healthcare journey, and ease the financial stress that comes with treatment.
Click the link below to connect with a Financial Consultant today. With the right support, going through this journey can be a little easier.
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.