Your relationships are precious.

Protect them.

The plan that gives you more ways to look after your healthcare and hospitalisation needs

PRUshield

2

Why do you needmedical insurance?

One cannot predict when sickness or injury happens. A loss of health can mean a loss of earnings if you are unable to work, and it can also lead to ongoing medical bills that may drain your financial resources.

Having medical insurance can make a huge difference when it comes to medical care. It covers you and your family against unexpected medical costs, and helps to ease the financial burden of your hospitalisation and surgical needs, especially with the rising medical costs in Singapore.

Although MediShield Life, a national health insurance plan, can be used to offset a part of the expenses, it only provides basic coverage. Private health insurance is important for enhanced coverage. Not only do you enjoy high annual claim limits with private insurance, you also enjoy benefits covering pre- and post-hospitalisation needs, such as consultations, diagnostic tests, follow-up treatments, and more.

3

How expensivecan medical bills get?

When the unexpected happens, there is no doubt that you should be focusing on your recovery instead of worrying about your medical bills. But with escalating healthcare costs, seeking treatment can cause afinancial strain.

In 2015, the gross medical inflation rate in Singapore was 15%, which is about 7% higher than the global rate*. Furthermore, Singapore has an average life expectancy that ranked third in the world at 83.1 years**. A longer life span may mean additional strain to medical cost one may need to bear.

How much your treatment will cost also depends on the type of medical condition you have, whether you seek treatment at a public or private hospital, the type of hospital ward you choose and the length of hospital stay you require. Here are two examples of the total hospital inpatient bill that one could incur for lung and breast cancer†.

It is important to ensure that you are covered more comprehensively against your medical bills with a private health insurance plan.

*Source: Aon Hewitt **Source: TODAY online †Source: Based on Prudential’s claims ^Rounded down to the nearest dollar.

Condition Hospital Type Length of Hospital Stay Total Cost^

Lung Cancer

Public Hospital Class A Ward 11 Days S$12,747

Private Hospital A Ward 13 Days S$44,558

Breast Cancer

Public Hospital Class A Ward 7 Days S$28,608

Private Hospital A Ward 7 Days S$64,539

4

Portion of bill not covered

by MediShield Life

MediShieldLife Payout

Deductible & Co-insurance

not c

overed by Integrated Shield Plan

PRUshield Plan Payout

MediShieldLife Payout

Legend: Medical insurance payout Out-of-pocket expenses PRUshield Plan Payout

With rising healthcare costs, you can be better prepared for costly medical bills by enhancing your coverage with an Integrated Shield Plan.

PRUshield, a Medisave-approved plan1, is a private health insurance plan that provides the additional coverage you need to complement the existing benefits you already enjoy with MediShield Life.

It gives you more options to choose the coverage that suits your budget and healthcare needs. This includes the flexibility of choosing between private and public hospitals, ward classes and doctors.

How PRUshield helps provide enhanced coverage

MediShield Life (National Health Insurance Plan)

PRUshield Plan + Supplementary Plan for Deductible & Co-insurance

Deductible: The amount you need to pay first before any PRUshield benefits are paid out.

Co-insurance: A percentage of the claimable amount you need to co-pay or share after you pay the deductible.

How you can stay on top of rising healthcare costs

PRUshield Plan & Supplementary Plan

+MediShield Life Payout

PRUshield Plan(Private Health Insurance Plan)

5

We’ve got you coveredHigh annual coverage of up to S$1.2 million for medical treatment

We’ll give you more flexibilityComplement your main plan with a supplementary plan to enjoy up to 100% coverage

We’ll make it yours for a lifetimeGuaranteed renewability of plan

We’ll take care of you, before and afterPre-hospitalisation coverage for up to 180 days and post-hospitalisation coverage for up to 365 days

We’ll keep it simpleNo medical underwriting required to purchase a new plan for significant life events

We’ll let you take your pickWide choice of private and public hospitals, ward classes and doctors

Public Service Officers or staff of Selected Companies enjoy 10% off2 PRUshield premiums3 for the first year

What’s in it for me?

100%

6

Flexibility of choice is important in getting the right medical coverage you need. The option of supplementary plans in addition to your main PRUshield plan means more ways and options to help you cope with rising medical costs, and adequately protect you and your loved ones.

For information on all PRUshield and PRUextra premiums for Singaporeans, Permanent Residents of Singapore and Foreigners, please visit www.prudential.com.sg/prushield

Which plan is right for me?

Main Plans Supplementary Plans

PRUshield PremierProvides coverage for medical and surgical expenses at private hospitals.

• PRUextra Premier Covers 100% of your deductible and co-insurance, with future premiums determined by past claims experience.

• PRUextra Premier Lite^

Covers 50% of your deductible (up to S$1,750) and 100% of co-insurance.

• PRUextra Premier Saver Covers 100% for public hospitals. Covers a portion of your deductible and co-insurance, with a S$5,000 annual cap on out-of-pocket expenses for private hospitals.

PRUshield PlusProvides coverage for medical and surgical expenses at public hospitals (up to Class A ward).

• PRUextra Plus Covers 100% of your deductible and co-insurance.

• PRUextra Plus Lite^

Covers 50% of your deductible (up to S$1,750) and 100% of co-insurance.

PRUshield Standard Plan^

Provides coverage for medical and surgical expenses at public hospitals (up to Class B1 ward).

MediShield Life^

National health insurance scheme for all Singaporeans and Permanent Residents of Singapore. Covers Class B2/C wards at public hospitals.

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^ For Singaporeans and Permanent Residents of Singapore only.

7

We all know the benefits of keeping a healthy lifestyle. Your efforts in healthy living will be rewarded, not just with good health, but also with savings on PRUextra Premier premiums through a fairer pricing approach.

Make your health a priority

How your premiums can change in the future

How the fairer pricing approach works

HospitalClaims payments made on PRUextra Premier during the review period

Movement on premium levels (subject to minimum Standard Level Premium and maximum of Level 5)

Private Hospital S$1,000 and below Stay at the same level

Private Hospital Above S$1,000 to S$5,000 Move up two levels 2 Levels

Private Hospital Above S$5,000 Move up four levels 4 Levels

Public Hospital Any claims amount and no claims made at a private hospital Move down one level 1 Level

Private Hospital or Public Hospital No claims Move down one level 1 Level

With a PRUextra Premier plan, you will start off at the Standard Level Premium, the lowest of your age band. You will also enjoy the PRUwell Reward, a 20% savings on your Standard Level Premium when your policy is incepted with no exclusions. Each year, your premium level will be determined by any previous claims you made at private and public hospitals during the review period. As long as you stay healthy, with no claims made, you will continue to enjoy the PRUwell Reward on your Standard Level Premium at your next policy renewal.

20% Savings Higher Premiums

8 The above illustration is based on an estimated calculation of MediShield Life payout. The figures are for illustrative purposes only.

Mr Tan is a 30-year-old Singaporean who was having trouble with his gallbladder. After a visit to the doctor and a number of follow-up tests and scans, including an abdominal ultrasound, Mr Tan was diagnosed with gallstones.

Following his doctor’s recommendation, Mr Tan underwent gallbladder removal surgery and was hospitalised for 5 days.

Take a look at how the various PRUshield plans made a difference in the amount Mr Tan had to pay.

Here’s an example of how PRUshield protects you

with MediShield Life with PRUshield Plus at a premium of S$0.19/day

with PRUextra Plus at a premium of S$0.68/day

Public hospital Class A Ward

Total Bill S$10,698

MediShield Life coversS$1,570

Mr Tan pays a balance of S$9,128

MediShield Life covers S$1,570

PRUshield Plus (additional private insurance) covers S$4,908

Mr Tan pays S$4,220 [deductible (S$3,500) + co-insurance (S$720)]

PRUextra Plus covers S$4,220[deductible (S$3,500) + co-insurance (S$720)]

Mr Tan pays S$0

with PRUextra Plus Lite at a premium of S$0.41/day

PRUextra Plus Lite covers S$2,470 [deductible (S$3,500 x 50%) + co-insurance (S$720)]

Mr Tan pays S$1,750

with MediShield Life with PRUshield Premier at a premium of S$0.56/day

with PRUextra Premier at a premium of S$1.34/day (with PRUwell Reward)

Private hospital Single-bedded Ward

Total Bill S$25,008

MediShield Life coversS$6,079

Mr Tan pays a balance of S$18,929

MediShield Life covers S$6,079

PRUshield Premier (additional private insurance) covers S$13,279

Mr Tan pays S$5,650[deductible (S$3,500) + co-insurance (S$2,150)]

PRUextra Premier covers S$5,650[deductible (S$3,500) + co-insurance (S$2,150)]

Mr Tan pays S$0

with PRUextra Premier Lite at a premium of S$0.76/day

PRUextra Premier Lite covers S$3,900 [deductible (S$3,500 x 50%) + co-insurance (S$2,150)]

Mr Tan pays S$1,750

with PRUextra Premier Saver at a premium of S$1.08/day

PRUextra Premier Saver covers S$3,575[deductible (S$2,500) + co-insurance (S$1,075)]

Mr Tan pays S$2,075

Public hospital coverage in Class A ward with PRUshield PlusMr Tan’s initial medical bill amounted to S$10,698. His out-of-pocket expense was reduced to S$0 with PRUextra Plus.

Private hospital coverage with PRUshield PremierMr Tan’s initial medical bill amounted to S$25,008. His out-of-pocket expense was reduced with PRUextra.

9

As a foreigner, it can be even more challenging for you to enjoy comprehensive coverage in your home away from home. With the added burden of relocating overseas, and having no MediShield Life or adequate healthcare insurance from your employers in Singapore, medical costs can be significant for you and your family.

PRUshield ensures that you are well-protected, no matter what. Take Mr Smith for example. The 30-year-old Australian has been staying in Singapore for two years. Only recently, he had some trouble with his gallbladder. A visit to the doctor and some tests confirmed he needed gallbladder removal surgery and hospitalisation for 5 days.

Here is how the various PRUshield plans made a difference in the amount Mr Smith had to pay.

PRUshield protects foreigners, too

with PRUshield Plus at a premium of S$0.77/day with PRUextra Plus at a premium of S$0.72/day

Public hospital Class A Ward

Total Bill S$10,698

PRUshield Plus (additional private insurance) covers S$6,478

Mr Smith pays S$4,220 [deductible (S$3,500) + co-insurance (S$720)]

PRUextra Plus covers S$4,220

Mr Smith pays S$0

with PRUshield Premier at a premium of S$1.15/day

with PRUextra Premier at a premium of S$1.41/day (with PRUwell Reward)

Private hospital Single-bedded Ward

Total Bill S$25,008

PRUshield Premier (additional private insurance) covers S$19,358

Mr Smith pays S$5,650[deductible (S$3,500) + co-insurance (S$2,150)]

PRUextra Premier covers S$5,650

Mr Smith pays S$0

with PRUextra Premier Saver at a premium of S$1.14/day

PRUextra Premier Saver covers S$3,575[deductible (S$2,500) + co-insurance (S$1,075)]

Mr Smith pays S$2,075 [deductible (S$1,000) + co-insurance (S$1,075)]

Public hospital coverage in Class A ward with PRUshield PlusMr Smith’s initial medical bill amounted to S$10,698. His out-of-pocket expense was reduced to S$0 with PRUextra Plus.

Private hospital coverage with PRUshield PremierMr Smith’s initial medical bill amounted to S$25,008. His out-of-pocket expense was reduced with PRUextra.

The figures are for illustrative purposes only.

Rising medical costs and claims have resulted in the increase of Integrated Shield Plan premiums in recent years. But you can manage the cost of your premiums by considering the option of filing your medical claims under your company’s group insurance employee benefit plan first, or under other individual plans you may have.

By using your PRUshield policy only as the last option, you reduce the claims made against it and leave your policy benefit limit unaffected. This way, your personal premiums can be kept more affordable in the long term.

How you can keep your premiums affordable

Benefits Schedule for Public Hospitals

12

Benefits of PRUshield Plus and PRUshield Standard Plan

Plan PRUshield Plus PRUshield Standard Plan

Benefits Singapore Public Hospital (Class A Ward)

Singapore Public Hospital (Class B1 Ward)

Inpatient and Day Surgery Benefits

Hospitalisation Benefits

Daily Room & Board As Charged S$1,700

Daily Intensive Care Unit (ICU) As Charged S$2,900

Miscellaneous Hospital Services As Charged Covered under Inpatient and Day Surgery Benefits

Daily Inpatient Physician Visit As Charged Covered under Inpatient and Day Surgery Benefits

Confinement in Community Hospital As Charged S$650

Accidental Inpatient Dental Treatment As Charged Covered under Surgical Procedure

Inpatient Psychiatric Treatment benefit S$3,500 per Policy Year S$500 (up to 35 days per Policy Year)

Surgical Benefits (including Day Surgery)

Surgical Procedure (per treatment)

• Table 1 (less complex procedures) Under MediShield Life, As Charged S$590

• Table 2 benefits are classified As Charged S$1,670

• Table 3 according to their level As Charged S$3,290

• Table 4 of complexity, which As Charged S$4,990

• Table 5 increases from Table 1 As Charged S$8,760

• Table 6 to Table 7. As Charged S$11,670

• Table 7 (more complex procedures) As Charged S$16,720

Organ Transplant Benefit As Charged Covered under Inpatient and Day Surgery Benefits

Stem Cell Transplant Treatment As Charged Covered under Inpatient and Day Surgery Benefits

Surgical Implants/Approved Medical Consumables (per admission) As Charged S$9,800

Gamma Knife/Novalis Radiosurgery (per treatment) As Charged S$9,600

Living Organ Donor Transplant Benefits

Life assured is the organ donor S$40,000 per Policy Year NA

Life assured is the organ recipient S$40,000 per Policy Year NA

Overseas Medical Treatment

Emergency Medical Treatment outside Singapore Planned Overseas Medical Treatment6

As Charged (paying the lower of the overseas charges or in accordance with Singapore Public Hospital’s charges)

NA

Pre- & Post-Hospitalisation Benefits

Pre-Hospitalisation Consultations and Diagnostic Laboratory Services incurred 180 days preceding confinement or day surgery

As Charged NA

Post-Hospitalisation Follow-up Treatments and Diagnostic / Laboratory Services incurred within 365 days after confinement or day surgery

As Charged NA

Post-Hospitalisation Hyperbaric Oxygen Therapy incurred within 365 days after confinement or day surgery S$5,000 per Policy Year NA

13

Plan PRUshield Plus PRUshield Standard Plan

Benefits Singapore Public Hospital (Class A Ward) Singapore Public Hospital (Class B1 Ward)

Outpatient Hospital Benefits

Outpatient Cancer Treatment

• Radiotherapy - External/Superficial As Charged S$550 per treatment session - Brachytherapy with/without external As Charged S$1,100 per treatment session• Stereotactic Radiotherapy As Charged S$1,800 per treatment• Chemotherapy As Charged S$5,200 per calendar month• Immunotherapy As Charged NAOutpatient Renal Failure Treatment

• Renal Dialysis As Charged S$2,750 per calendar month• Erythropoietin As Charged S$450 per calendar month

Approved Immunosuppressant Drugs for Organ Transplant As Charged S$1,200 per calendar month

Other Benefits

Final Expense Provision S$3,000 NAPregnancy Complications Benefit As Charged NACongenital Abnormalities As Charged NAShort Stay Ward As Charged Covered under Daily Room and BoardFuture Insurance Option at Life Events S$100,000 sum assured per life NA

Deductible4 per Policy YearFor ages 80 and below, as of age next birthday

For ages 81 and above, as of age next birthday

Public / Community Hospital C Ward S$1,500 S$1,500 S$2,000Public / Community Hospital B2/B2+ Ward S$2,000 S$2,000 S$3,000Public / Community Hospital B1 Ward S$2,500 S$2,500 S$3,000Public / Community Hospital A Ward S$3,500 S$2,500 S$3,000Private Hospital / Private Community Hospital S$3,500 S$2,500 S$3,000Day Surgery – Subsidised (Public) S$1,500 S$1,500 S$3,000Day Surgery – Non-Subsidised (Public) S$2,000 S$2,000 S$3,000Day Surgery – Private Hospital S$2,000 S$2,000 S$3,000Short Stay Ward – Subsidised (Public) S$1,500 S$1,500 S$3,000Short Stay Ward – Non-Subsidised (Public) S$2,000 S$2,000 S$3,000Short Stay Ward – Private Hospital S$2,000 S$2,500 S$3,000Co-Insurance5 10% 10% 10%

Pro-Ration SingaporeansPermanent Residents of Singapore

Public / Community Hospital C Ward NA NA NAPublic / Community Hospital B2/B2+ Ward NA NA NAPublic / Community Hospital B1 Ward NA NA 90%Public / Community Hospital A Ward NA 80% 80%Private Hospital / Private Community Hospital 65% 50% 50%Day Surgery – Subsidised (Public) NA NA NADay Surgery – Non-Subsidised (Public) NA NA NADay Surgery – Private Hospital 65% 65% 65%Short Stay Ward – Subsidised (Public) NA NA NAShort Stay Ward – Non-Subsidised (Public) NA NA NAShort Stay Ward – Private Hospital 65% 50% 50%Outpatient Treatment – Subsidised (Public) NA NA NAOutpatient Treatment – Non-subsidised (Public) NA NA NAOutpatient Treatment – Private 65% 65% 65%Limits of Cover

Policy Year Limit S$600,000 S$150,000Lifetime Limit Unlimited Unlimited

Age Limits Singaporeans/PR Foreigners

Maximum Entry Age 75 55 NA

Maximum Renewal Age Lifetime Lifetime Lifetime

Benefits of PRUshield Plus and PRUshield Standard Plan (cont’d)

14

Plan PRUextra Plus7 PRUextra Plus Lite7

Hospital/Ward Types Singapore Public Hospital (Class A Ward)

Singapore Public Hospital (Class A Ward)

Deductible (per Policy Year) 100% of PRUshield’s deductible amount

50% of PRUshield’s deductible amount subject to a maximum of S$1,750 per Policy Year

PRUshield’s Co-Insurance 10% 10%

Accident & Emergency Ambulance Fee S$150 per injury or illness S$150 per injury or illness

Immediate Family Member’s Accommodation with Child (Immediate Family Member: Father, Mother, Brother or Sister)

S$30 per day NA

Daily Hospital IncentiveS$125 per day(if admitted to a Public Hospital Ward B1/B2/C)

S$125 per day (if admitted to a Public Hospital Ward B1/B2/C)

Post-Hospitalisation Follow-up Traditional Chinese Medicine (TCM) Treatment by a Registered TCM Practitioner in a Singapore Hospital, Community Hospital or approved TCM medical institution incurred within 365 days after confinement or day surgery

S$3,000 per Policy Year NA

Emergency Outpatient Treatment due to an Accident

S$2,000 per Policy Year NA

Special Appliances and Prosthesis purchased or rented within 365 days after confinement or day surgery

S$2,000 per Policy Year NA

Complete your cover with a little extra

Enjoy more comprehensive coverage at public hospitals when you complement your PRUshield Plus plan with PRUextra Plus or PRUextra Plus Lite.

Benefits Schedule for Private Hospitals

16

Benefits of PRUshield Premier

Plan PRUshield Premier

Benefits Singapore Private Hospital

Inpatient and Day Surgery Benefits

Hospitalisation Benefits

Daily Room & Board As Charged

Daily Intensive Care Unit (ICU) As Charged

Miscellaneous Hospital Services As Charged

Daily Inpatient Physician Visit As Charged

Confinement in Community Hospital As Charged

Accidental Inpatient Dental Treatment As Charged

Inpatient Psychiatric Treatment benefit S$4,000 per Policy Year

Surgical Benefits (including Day Surgery)

Surgical Procedure (per treatment)

• Table 1 (less complex procedures) As Charged

• Table 2 Under MediShield Life, As Charged

• Table 3 benefits are classified As Charged

• Table 4 according to their level of As Charged

• Table 5 complexity, which increases As Charged

• Table 6 from Table 1 to Table 7. As Charged

• Table 7 (more complex procedures) As Charged

Organ Transplant Benefit As Charged

Stem Cell Transplant Treatment As Charged

Surgical Implants/Approved Medical Consumables (per admission) As Charged

Gamma Knife/Novalis Radiosurgery (per treatment) As Charged

Living Organ Donor Transplant Benefits

Life assured is the organ donor S$60,000 per Policy Year

Life assured is the organ recipient S$60,000 per Policy Year

Overseas Medical Treatment

Emergency Medical Treatment outside Singapore Planned Overseas Medical Treatment6

As Charged (paying the lower of the overseas charges or in accordance with Singapore Private Hospital’s charges)

Pre- & Post-Hospitalisation Benefits

Pre-Hospitalisation Consultations and Diagnostic Laboratory Services incurred 180 days preceding confinement or day surgery

As Charged

Post-Hospitalisation Follow-up Treatments and Diagnostic / Laboratory Services incurred within 365 days after confinement or day surgery

As Charged

Post-Hospitalisation Hyperbaric Oxygen Therapy incurred within 365 days after confinement or day surgery S$10,000 per Policy Year

Outpatient Hospital Benefits

Outpatient Cancer Treatment

• Radiotherapy

- External / Superficial As Charged

- Brachytherapy with/without external As Charged

• Stereotactic Radiotherapy As Charged

• Chemotherapy As Charged

• Immunotherapy As Charged

Outpatient Renal Failure Treatment

• Renal Dialysis As Charged

• Erythropoietin As Charged

Approved Immunosuppressant Drugs for Organ Transplant As Charged

17

Plan PRUshield Premier

Benefits Singapore Private Hospital

Other Benefits

Final Expense Provision S$5,000

Pregnancy Complications Benefit As Charged

Congenital Abnormalities As Charged

Short Stay Ward As Charged

Future Insurance Option at Life Events S$100,000 sum assured per life

Deductible4 per Policy Year

Public / Community Hospital C Ward S$1,500

Public / Community Hospital B2/B2+ Ward S$2,000

Public / Community Hospital B1 Ward S$2,500

Public / Community Hospital A Ward S$3,500

Private Hospital / Private Community Hospital S$3,500

Day Surgery – Subsidised (Public) S$1,500

Day Surgery – Non-Subsidised (Public) S$2,000

Day Surgery – Private Hospital S$2,000

Short Stay Ward – Subsidised (Public) S$1,500

Short Stay Ward – Non-Subsidised (Public) S$2,000

Short Stay Ward – Private Hospital S$2,000

Co-Insurance5 10%

Pro-Ration

Public / Community Hospital C Ward NA

Public / Community Hospital B2/B2+ Ward NA

Public / Community Hospital B1 Ward NA

Public / Community Hospital A Ward NA

Private Hospital / Private Community Hospital NA

Day Surgery – Subsidised (Public) NA

Day Surgery – Non-Subsidised (Public) NA

Day Surgery – Private Hospital NA

Short Stay Ward – Subsidised (Public) NA

Short Stay Ward – Non-Subsidised (Public) NA

Short Stay Ward – Private Hospital NA

Outpatient Treatment – Subsidised (Public) NA

Outpatient Treatment – Non-subsidised (Public) NA

Outpatient Treatment – Private NA

Limits of Cover

Policy Year Limit S$1,200,000

Lifetime Limit Unlimited

Age Limits Singaporeans/PR Foreigners

Maximum Entry Age 75 55

Maximum Renewal Age Lifetime Lifetime

Benefits of PRUshield Premier (cont’d)

18

Plan PRUextra Premier7PRUextra Premier Lite 7

(the fairer pricing approach does not apply)

PRUextra Premier Saver 7

(the fairer pricing approach does not apply)

Hospital / Ward Types Singapore Private Hospital Singapore Private Hospital Singapore Private Hospital

Deductible (per policy year) 100% of PRUshield’s deductible amount

50% of PRUshield’s deductible amount subject to a maximum of S$1,750 per policy year

For Private Hospital:Policyholder pays the first S$1,000 per policy year (for life assured above age 85, the first S$1,000 will be increased to S$1,500)

For Public Hospital:Prudential covers 100% of PRUshield’s deductible amount

PRUshield’s Co-Insurance 10% 10% For Private Hospital: 5% For Public Hospital: 10%

Maximum co-payment NA S$1,750 per policy year

S$5,000 per policy year(for life assured above the age 85, the maximum cap will be S$7,500 per policy year)

Accident & Emergency Ambulance Fee S$250 per injury or illness S$250 per injury or illness S$250 per injury or illness

Get Well Benefit NA NAS$500 per hospitalisation(for hospitalisation of at least 8 days)

Immediate Family Member’s Accommodation with Child S$60 per day NA S$60 per day

Daily Hospital Incentive

S$200 per day(if admitted to a Public Hospital Ward B1/B2/C)S$125 per day(if admitted to a Public Hospital Ward A)

S$200 per day(if admitted to a Public Hospital Ward B1/B2/C)S$125 per day(if admitted to a Public Hospital Ward A)

S$200 per day(if admitted to a Public Hospital)

Post-Hospitalisation Follow-up TCM S$6,000 per policy year NA S$6,000 per policy year

Emergency Outpatient Treatment due to an Accident S$3,000 per policy year NA S$3,000 per policy year

Special Appliances and Prosthesis S$3,000 per policy year NA S$3,000 per policy year

Disability Waiver Benefit

Waives 36 months of future premiums* if the life assured is diagnosed to be Totally and Permanently Disabled before age 70

NA NA

A little extra on top goes a long way

Enjoy more comprehensive coverage at private hospitals when you complement your PRUshield Premier plan with PRUextra Premier, PRUextra Premier Lite, or PRUextra Premier Saver.

*Only waives the premiums for PRUextra Premier. The premiums for PRUshield Premier continue to be payable

19

Footnotes:

1 If the life assured is a Singaporean or Permanent Resident of Singapore, PRUshield is available as an Integrated Shield Plan made up of MediShield Life provided by the Central Provident Fund Board, and additional private insurance provided by Prudential.

2 Only applicable for PRUshield Premier and PRUshield Plus.

3 Refers to Prudential’s portion of the Integrated Shield Plan (IP) premium.

4 Deductible is a fixed amount to be paid by a policyowner before the MediShield Life and PRUshield benefits are payable. Deductible will increase by 50% depending on ward class when the life assured is above age 85.

5 Co-insurance is a percentage of the claimable amount that a policyowner needs to co-pay on top of the Deductible.

6 We will pay for a planned hospitalisation or surgical (including day surgery) treatment incurred by the life assured/patient at an overseas hospital subject to the life assured/patient having referrals from an approved Medisave-accredited institution/referral centre in Singapore. The overseas hospital must have an approved working arrangement with the Medisave-accredited institution/ referral centre in Singapore.

Please note: To confirm the countries and respective hospitals where treatment would be allowed for, please contact an approved Medisave-accredited institution/referral centre in Singapore.

7 Please note that there are conditions attached to the purchase of any of the below riders between 8 March 2018 and 31 March 2019. • PRUextra Premier • PRUextra Premier Saver • PRUextra Premier Lite • PRUextra Plus • PRUextra Plus Lite

From 1 April 2021, customers must transition to an alternative rider with features that meet the new guidelines set by the Ministry of Health. According to guidelines from the Ministry of Health, from 1 April 2019, all new IP riders will need to include a minimum of 5 per cent co-payment on bills relating to hospitalisation, outpatient treatments or day surgery. In addition, to protect customers against large bills, the new riders will incorporate a co-payment cap of at least S$3,000 in each policy year for treatments at the insurer’s panel providers ^.

Details of the new rider plans will be sent to customers approximately two months before the change is implemented on their first policy renewal starting from 1 April 2021.

Should you have questions about your plan, please do not hesitate to speak to your Prudential Financial Consultant. You can also call our PruCustomer Line at 1800 333 0 333 (Monday – Friday, 8.30am to 5.30pm), email us at Prushield@prudential.com.sg or visit our website at www.prudential.com.sg ^ For Prudential, panel providers are all Singapore Public Hospitals. We reserve the right to update the list of panel providers from time to time.

Note:

PRUshield is a yearly renewable plan. Prudential guarantees lifetime coverage for PRUshield and PRUextra.

PRUextra premiums cannot be paid by Medisave.

Premiums are not guaranteed and may be adjusted based on future claims experience. Prudential reserves the right to vary premiums at any time by giving 30 days’ written notice to the policyowner before doing so. Premium rates will be based on age next birthday (for 1st premium) on cover start date and each policy anniversary date (for renewable premium).

You are recommended to read the product summary and seek advice from a qualified Prudential Financial Consultant for a financial analysis before purchasing a policy suitable to meet your needs. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.

This brochure is for reference only and is not a contract of insurance. Please refer to the exact terms and conditions, specific details and exclusions applicable to this insurance product in the policy documents that can be obtained from your Prudential Financial Consultant.

This brochure is for distribution in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore. In case of discrepancy between the English and Mandarin versions of this brochure, the English version shall prevail.

Information is correct as at 7 March 2018.

*Terms & conditions apply. Please refer to www.prudential.com.sg/prushield for more details.

For more information, speak to your Prudential Financial Consultant. Call us at 1800 333 0 333 today.

www.prudential.com.sg

Prudential Assurance Company Singapore (Pte) Limited (Reg. No. 199002477Z)7 Straits View #06-01 Marina One East Tower Singapore 018936

Tel: 1800 333 0 333 Fax: 6734 6953Part of Prudential plc