PRUShield

• Regulatory Changes for MediShield Life
• Changes to Existing Benefits

A. Regulatory Changes for MediShield Life

Starting from 1 October 2025, the MediShield Life (MSHL) Scheme will be revised to include coverage for :

1. Cell, Tissue and Gene Therapy Product (CTGTP) listed on the Ministry of Health (MOH)’s CTGTP List.
2. High-Cost Drugs (non-cancer) (HCD) listed on MSHL’s benefit schedule; and
3. Additional Outpatient and Home-Based Benefits.

Please refer to the Ministry of Health (MOH)’s website for the latest CTGTP List and treatment-indication pairs at go.gov.sg/ctgtp-list. You can also find the High-Cost Drugs listed on MediShield Life’s benefit schedule, along with details on Additional Outpatient and Home-Based Benefits at go.gov.sg/mshlbenefits.

B. Changes to Existing Benefits

In line with the latest regulatory changes, the following changes will apply to PRUShield from 1 October 2025 for new policies and to existing policies upon renewal from 1 October 2025:

1. CTGTP changes for PRUShield Premier and PRUShield Plus
2. High-Cost Drugs (non-cancer) changes for PRUShield Premier, PRUShield Plus, PRUShield Standard, PRUShield A^# and PRUShield B^#

^#Withdrawn plans, not applicable for new policies.

For detailed information regarding the updates to PRUShield, please refer to our Frequently Asked Questions.

The Ministry of Health (MOH) has released new guidelines on the cancer drug treatments that can be covered by Integrated Shield Plans. As part of efforts to reduce the cost of cancer drug treatment and keep premiums sustainable in the long-term, MOH has developed a Cancer Drug List (CDL). The CDL comprises clinically proven and more cost-effective cancer drug treatments (i.e., drugs paired with specified clinical indications, dosage form & strength, for which the drugs can be administered).

From 1 September 2022, only cancer drug treatment that are listed on the CDL and administered as per the CDL will be claimable from MediShield Life (MSHL) and MediSave (MSV). For Integrated Shield Plans (including PRUShield), the same change will take effect for policies renewed or purchased on or after 1 April 2023.

If a cancer drug treatment is not listed or not administered exactly as described in the CDL, it will not be claimable. However, customers with a PRUExtra rider will still receive up to S$150,000 coverage on selected cancer drug treatments not listed per the CDL.

The CDL is published on MOH’s website at https://go.gov.sg/moh-cancerdruglist and currently covers most cancer drug treatments approved by the Health Sciences Authority (HSA). MOH will update it every few months to keep up with medical advancements and the latest clinical evidence.

With these changes, your policy’s Outpatient Cancer Treatment benefit will be replaced with 2 new benefits; Cancer Drug Treatment benefit and Cancer Drug Services benefit; for policies renewed or purchased on or after 1 April 2023.

1. Cancer Drug Treatment benefit – Only cancer drug treatments administered as specified on the CDL will be claimable under your Policy, up to the treatment-specific claim limits. Selected outpatient cancer drug treatments beyond the CDL will be claimable under riders. If you are currently undergoing cancer treatment, please consult your doctor early on whether your treatment is on the CDL.
2. Cancer Drug Services benefit – Services that are part of a cancer drug treatment (including treatments not on the CDL), such as consultations, scans, lab investigations, treatment preparation and administration, supportive care drugs and blood transfusions, will be claimable under the Cancer Drug Services benefit, up to specified claims limits.

Further to that, effective from 1 December 2023, MOH has provided higher MSHL and MSV limits for patients with multiple primary cancers:

In line with MOH, changes will apply to PRUShield Premier, PRUShield Plus, PRUShield Standard Plans and PRUExtra riders. For details on:

• Revised Claims Limit
• Multiple Cancer Drug Claims Limits
• Support Available for Patients Undergoing Cancer Treatment and
• Enhancement to Cancer Drug Treatment and Services for Multiple Primary Cancers

Please refer to our https://www.prudential.com.sg/prushield-changes

A. Promotion Details

1. Definitions:
   1. “Prudential” means Prudential Assurance Company Singapore (Pte) Limited.
   2. “Promotion Period” means the period between 1 August 2023 and 31 July 2026 (both dates inclusive).
   3. “Eligible Customer” means policyholders whose proposal for any Eligible Insurance Plan is submitted to and incepted by Prudential during the Promotion Period having satisfied the eligibility criteria below.
   4. “Eligible Insurance Plan” means any of the products meeting the criteria as stated in the Promotion Table below.
   5. “Discount” means the percentage discount given to the Eligible Customer as stated in the Promotion Table below.
   6. “Promotion Table” means Promotion Table below.
   Promotion Table

   Eligible Healthcare Insurance Plan	Premium Discount1
   PRUShield Premier OR PRUShield Plus	10%

   ¹ Please refer to section C for details.
   Note: The Discount is not applicable for PRUExtra supplementary plans.

B. Eligibility

1. To be eligible for the Promotion, the Eligible Customer has to satisfy the following requirements during the Promotion Period in order to receive the Discount (as defined in the Promotion Table):
   1. The Eligible Customer is a Singaporean, Permanent Resident, or a foreigner holding an “Eligible Valid Pass” recognised by the Immigration & Checkpoints Authority (ICA) and the Ministry of Manpower (MOM).
   2. The Eligible Customer is a Public Service Officer or a spouse or child of a Public Service Officer.
   3. The Eligible Customer’s age is between 1 and 75 years (next birthday).

C. Discount

1. 1. An Eligible Customer is entitled to receive the Discount in accordance with the Promotion Table above.
   2. Discount will be applied on the basic policy for the first policy year and is applicable to Prudential’s portion of the Integrated Shield Plan premium only.
   3. Discount is available exclusively for new-to-PRUShield customers. It does not apply to upgrades, downgrades, or switches between different PRUShield plans.
   4. The Discount in this Promotion shall be on a ‘per-policy’ basis (subject to the Terms and Conditions of this Promotion). There shall be no restrictions on the number of Discount transactions an Eligible Customer can enjoy.
   5. If the Eligible Customer is a Singaporean or Permanent Resident of Singapore, PRUShield Premier and PRUShield Plus are available as an Integrated Shield Plan (“IP”) made up of MediShield Life provided by the Central Provident Fund Board and additional private insurance provided by Prudential. The Discount is applicable to Prudential’s portion of the IP premium only.
   6. The Discount in this Promotion is not applicable should the Eligible Insurance Plan be cancelled within the twenty-one (21) day free-look period. The premium amount refunded will be based on the premium amount paid by the Eligible Customer.
   7. The Discount is not applicable should the Eligible Insurance Plan be Not Taken Up and subsequently reopened, or the Eligible Insurance Plan has lapsed and subsequently reinstated.
   8. The Discount will be applied automatically at policy issuance upon meeting the eligibility criteria.

D. General Terms and Conditions

1. 1. By participating in the campaign, each Eligible Customer is deemed to have accepted and agreed to be bound by these Terms and Conditions contained herein and any other instructions, terms and conditions that Prudential may issue from time to time.
   2. Prudential assumes no responsibility for incomplete, lost, late, damaged, illegible or misdirected forms or email communication, for technical hardware or software failures of any kind, lost or unavailable network connections, or failed incomplete, garbled or delayed electronic transmission which may limit an Eligible Customer’s ability to participate in the campaign.
   3. Prudential has the sole and absolute discretion to exclude any Eligible Customer from participating in the campaign without any obligation to furnish notice and/or reason.
   4. Prudential reserves the right to disqualify or disregard any Eligible Customer who does not comply with the Terms and Conditions contained herein.
   5. Prudential reserves the right to request for the Eligible Customers’ proof of eligibility, identity and/or otherwise for the purposes of verifying the Eligible Customer’s eligibility offer at the time of application. Prudential is under no obligation whatsoever to disclose the identity of the Eligible Customers or to publish the same for any reason at any point of time.
   6. By participating in this campaign, each Eligible Customer agrees and consents under the Personal Data Protection Act (Cap 26 of 2012) to the collection, use and disclosure of any and all personal data of the Eligible Customer by/to Prudential, advertising and promotional agencies of the campaign and such other third party, in Prudential’s absolute discretion, consider appropriate or necessary in connection with the campaign.
   7. If an Eligible Customer provides Prudential with personal data of any third party, that Eligible Customer hereby:
      1. Agrees on behalf of that third party to be bound by the Terms and Conditions contained herein; and
      2. Consents on behalf of that third party, to Prudential’s collection, use, disclosure and processing of his/her personal data in accordance with the Terms and Conditions contained herein
      The Eligible Customer warrants that he/she has obtained the said third party’s prior consent to such collection, use, disclosure and processing of his/her personal data by Prudential and that the personal data that the Eligible Customer provides to Prudential is true, accurate and complete.
   8. Prudential shall not be liable for any third party’s misuse of the Eligible Customer’s submitted information and photograph as a result of the Eligible Customer taking part in the campaign.
   9. Unless prohibited by law, participation in the campaign constitutes permission for Prudential, its advertising and promotional agencies to use any of the Eligible Customer’s names, and/or likeness for advertising and promotional purposes. Each Eligible Customer further agrees and acknowledges that the copyright and all other intellectual property rights in and to all photographs or audio-video or other recordings of the Eligible Customer taken or made in connection with the campaign shall vest solely and absolutely in Prudential without any compensation to the Eligible Customer.
   10. Prudential may at any time at its absolute discretion, without prior notice or assigning any reason thereof or being liable to any person, (i) suspend, cancel or terminate the campaign, or (ii) delete, vary, supplement, amend, modify any one or more of the terms and conditions of the campaign. Prudential’s determination of all matters in connection with the campaign shall be final, binding and conclusive. Prudential is not obliged to give any reason or prior notice on any matter concerning the campaign. No appeal, correspondence or claims will be entertained. Prudential has the right and discretion to determine whether a party has met the requirements of the campaign. Eligible Customers shall not be entitled to any damages or compensation whatsoever or howsoever arising as a result of such amendment, suspension or termination.
   11. By participating in the campaign, all Eligible Customers agree and undertake to, at all times, indemnify, keep indemnified, and hold Prudential, its employees and agents harmless against all losses (including direct, indirect, incidental and/or consequential losses), damages (including general, special, and/or punitive damages), demands, injuries (other than personal injury caused by Prudential’s negligence), claims, costs, penalties, interest and fees (including all legal fees as between solicitor and client or otherwise on a full indemnity basis whether or not incurred in respect of any real, anticipated, or threatened legal proceedings), howsoever caused by, arising or resulting from, whether directly or indirectly, their participation in the campaign, acceptance, and/or any breach or purported breach of these terms and conditions and/or any applicable law.
   12. In the event of any inconsistency or discrepancy between the Terms and Conditions contained herein and the contents of any brochure, marketing and/or promotional materials relating to the campaign, the Terms and Conditions contained herein shall prevail.
   13. Any trademarks, graphic symbols, logos or intellectual property contained in any materials used in connection with this campaign are the property of their respective owners. Prudential is not affiliated with, or endorsed or sponsored by, such owners and their relevant affiliates.
   14. Failure by Prudential to exercise any of its right or remedy under the Terms and Conditions contained herein does not constitute a waiver of that right or remedy.
   15. The Terms and Conditions contained herein shall be governed by Singapore law and the Eligible Customers agree to submit to the exclusive jurisdiction of the courts of Singapore.
   16. A person who is not a party to any agreement governed by these Terms and Conditions shall have no right under the Contracts (Right of Third Parties) Act (Cap 53B) to enforce any of these Terms and Conditions.

A. Definitions

1. 1. “Prudential” means Prudential Assurance Company Singapore (Pte) Limited.
   2. “Campaign Period” means the period between 2 September 2025 and 31 December 2026 (both dates inclusive) for all Eligible Insurance Plans in Table A.
   3. “Eligible Customer” means policyholder whose proposal for any Eligible Insurance Plan including supplementary plans is submitted to Prudential during the Campaign Period having satisfied the eligibility criteria below:
      1. Has an existing in-force Integrated Shield Plan (IP)¹ or existing in-force Shield Plan providing coverage for foreigners from non-Prudential insurers (the policies should not have been substandard or rejected previously)
      2. Is 50 years old or below (age next birthday)
      3. Ability to provide a copy of the Certificate of Life Assurance (or its equivalent) indicating the cover start date with the existing insurer
      4. Fulfil the three health questions when applying and submit their plans electronically through a Prudential Financial Representative, Prudential Wealth Manager, or SCB Insurance Specialist
      5. Has not been hospitalised, or undergone any surgery, or made any claims in the past five years
      6. Is not currently pregnant
      7. Has no ongoing health conditions
      8. Has no insurance application(s) with any insurers that has been declined, postponed, or accepted with exclusions or special terms. This includes any moratorium underwriting or similar campaigns, in which pre-existing medical conditions are not declared upon application and are subjected to special terms and conditions

      If the customer has an existing Shield plan² and supplementary plan, they can switch to the corresponding PRUShield base plan and PRUExtra supplementary plan, provided the customer meets the above eligibility criteria.

      If they wish to add a supplementary plan and/or upgrade their base plan during the switch, they will need to go through full underwriting.

      Please refer to Table B for the corresponding PRUShield base and PRUExtra supplementary plans, along with scenarios indicating whether your customer is eligible for PRUShield EasySwitch. Customers who are not eligible will need to undergo full underwriting.

   4. “Eligible Insurance Plans” means any of the products meeting the criteria as stated in Table A and Table B below.

B. PRUShield EasySwitch Campaign Table A

1. Eligible Insurance Plans	Customers will enjoy the below benefits3
   PRUShield Premier	(a) Prudential will recognise the cover start date of the existing Shield Plan2 from another insurance provider. (b) Eligible Customer will answer a simplified health questionnaire instead of the full health questionnaire.
   PRUShield Premier with PRUExtra Premier CoPay, or PRUExtra Preferred CoPay, or PRUExtra Premier Lite CoPay
   PRUShield Plus
   PRUShield Plus with PRUExtra Plus CoPay, or PRUExtra Plus Lite CoPay
   PRUShield Standard

   
   

   PRUShield EasySwitch Campaign Table B

   	Eligible plans for PRUShield EasySwitch
   What best describes your existing IP coverage?	PRUShield Premier with PRUExtra	PRUShield Premier without PRUExtra	PRUShield Plus with PRUExtra	PRUShield Plus without PRUExtra	PRUShield Standard
   Private IP with rider	✔	✔	✔	✔	✔
   Private IP without rider	✘	✔	✘	✔	✔
   Restructured IP with rider	✘	✘	✔	✔	✔
   Restructured IP without rider	✘	✘	✘	✔	✔

C. Other Terms and Conditions

1. If you enroll in PRUShield through the PRUShield EasySwitch campaign and currently have coverage under a Shield Plan², your existing Shield coverage will be automatically terminated when your new PRUShield coverage begins. Be sure to exercise caution when answering health-related questions, particularly those concerning ongoing pre-existing conditions, to avoid the risk of unintentionally losing coverage. If you declare any health conditions after your PRUShield plan has started, the coverage of your PRUShield policy may be reassessed with exclusions applied.
2. PRUShield will not provide coverage for any pre-existing condition before the cover start date of your existing Shield Plan². The pre-existing conditions include symptoms or signs for which the person received medical treatment, medication, consultation, advice, or diagnosis; or that would have made a sensible person seek medical help. If your existing shield plan covers such pre-existing medical conditions, you may lose coverage for those by switching to PRUShield without explicit disclosure.

1. ¹ This means the customer must have an existing IP with other insurers, including AIA, Great Eastern, Income, Singlife, HSBC Life and Raffles Medical.
   ² Shield plan includes Integrated Shield Plan (IP) providing coverage to Singaporeans/PRs and Shield plan providing coverage to foreigners.
   ³ The offer is applicable for new-to-PRUShield customers only. Customers should purchase any eligible PRUShield or PRUShield with PRUExtra supplementary plans to enjoy the offer.

D. General Terms and Conditions

1. 1. By participating in the campaign, each Eligible Customer is deemed to have accepted and agreed to be bound by these Terms and Conditions contained herein and any other instructions, terms and conditions that Prudential may issue from time to time.
   2. Prudential assumes no responsibility for incomplete, lost, late, damaged, illegible or misdirected forms or email communication, for technical hardware or software failures of any kind, lost or unavailable network connections, or failed incomplete, garbled or delayed electronic transmission which may limit an Eligible Customer’s ability to participate in the campaign.
   3. Prudential has the sole and absolute discretion to exclude any Eligible Customer from participating in the campaign without any obligation to furnish notice and/or reason.
   4. Prudential reserves the right to disqualify or disregard any Eligible Customer who does not comply with the Terms and Conditions contained herein.
   5. Prudential reserves the right to request for the Eligible Customers’ proof of eligibility, identity and/or otherwise for the purposes of verifying the Eligible Customer’s eligibility offer at the time of application. Prudential is under no obligation whatsoever to disclose the identity of the Eligible Customers or to publish the same for any reason at any point of time.
   6. By participating in this campaign, each Eligible Customer agrees and consents under the Personal Data Protection Act (Cap 26 of 2012) to the collection, use and disclosure of any and all personal data of the Eligible Customer by/to Prudential, advertising and promotional agencies of the campaign and such other third party, in Prudential’s absolute discretion, consider appropriate or necessary in connection with the campaign.
   7. If an Eligible Customer provides Prudential with personal data of any third party, that Eligible Customer hereby:
      1. Agrees on behalf of that third party to be bound by the Terms and Conditions contained herein; and
      2. Consents on behalf of that third party, to Prudential’s collection, use, disclosure and processing of his/her personal data in accordance with the Terms and Conditions contained herein
      The Eligible Customer warrants that he/she has obtained the said third party’s prior consent to such collection, use, disclosure and processing of his/her personal data by Prudential and that the personal data that the Eligible Customer provides to Prudential is true, accurate and complete.
   8. Prudential shall not be liable for any third party’s misuse of the Eligible Customer’s submitted information and photograph as a result of the Eligible Customer taking part in the campaign.
   9. Unless prohibited by law, participation in the campaign constitutes permission for Prudential, its advertising and promotional agencies to use any of the Eligible Customer’s names, and/or likeness for advertising and promotional purposes. Each Eligible Customer further agrees and acknowledges that the copyright and all other intellectual property rights in and to all photographs or audio-video or other recordings of the Eligible Customer taken or made in connection with the campaign shall vest solely and absolutely in Prudential without any compensation to the Eligible Customer.
   10. Prudential may at any time at its absolute discretion, without prior notice or assigning any reason thereof or being liable to any person, (i) suspend, cancel or terminate the campaign, or (ii) delete, vary, supplement, amend, modify any one or more of the terms and conditions of the campaign. Prudential’s determination of all matters in connection with the campaign shall be final, binding and conclusive. Prudential is not obliged to give any reason or prior notice on any matter concerning the campaign. No appeal, correspondence or claims will be entertained. Prudential has the right and discretion to determine whether a party has met the requirements of the campaign. Eligible Customers shall not be entitled to any damages or compensation whatsoever or howsoever arising as a result of such amendment, suspension or termination.
   11. By participating in the campaign, all Eligible Customers agree and undertake to, at all times, indemnify, keep indemnified, and hold Prudential, its employees and agents harmless against all losses (including direct, indirect, incidental and/or consequential losses), damages (including general, special, and/or punitive damages), demands, injuries (other than personal injury caused by Prudential’s negligence), claims, costs, penalties, interest and fees (including all legal fees as between solicitor and client or otherwise on a full indemnity basis whether or not incurred in respect of any real, anticipated, or threatened legal proceedings), howsoever caused by, arising or resulting from, whether directly or indirectly, their participation in the campaign, acceptance, and/or any breach or purported breach of these terms and conditions and/or any applicable law.
   12. In the event of any inconsistency or discrepancy between the Terms and Conditions contained herein and the contents of any brochure, marketing and/or promotional materials relating to the campaign, the Terms and Conditions contained herein shall prevail.
   13. Any trademarks, graphic symbols, logos or intellectual property contained in any materials used in connection with this campaign are the property of their respective owners. Prudential is not affiliated with, or endorsed or sponsored by, such owners and their relevant affiliates.
   14. Failure by Prudential to exercise any of its right or remedy under the Terms and Conditions contained herein does not constitute a waiver of that right or remedy.
   15. The Terms and Conditions contained herein shall be governed by Singapore law and the Eligible Customers agree to submit to the exclusive jurisdiction of the courts of Singapore.
   16. A person who is not a party to any agreement governed by these Terms and Conditions shall have no right under the Contracts (Right of Third Parties) Act (Cap 53B) to enforce any of these Terms and Conditions.
   
   

   For more information on PRUShield EasySwitch, please check our Frequently Asked Questions.

¹For PRUShield Premier plan, the policy year limit is S$2 million provided all claims within the same policy year are incurred at panel providers.

²Subject to underwriting assessment.

³With combined coverage from PRUShield and PRUExtra supplementary plans.

⁴Pro-ration applies if you go to a private hospital.

⁵Applies for Panel providers, Extended Panel (EP) specialists, or emergency cases only.

⁶PRUPanel Connect services include cashless, enhanced Letter of Guarantee, appointment booking etc. For more information, please refer to www.prudential.com.sg/ppc.

⁷The premium is based on Age Next Birthday (ANB).

⁸All private hospitals or private medical institutions not under our panel or non-panel list will be considered as No Access HI.

⁹Premiums shown are with 20% PRUWell Reward.

¹⁰Cashless service at Raffles Hospital, Mount Alvernia Hospital, and Thomson Medical Centre (up to S$30,000); and at partner private day surgery centres and oncology centres (up to S$15,000).

¹¹Enjoy PRUWell Reward, a 20% savings on standard premium when the policy is incepted with no special terms and conditions. If the premium level is at standard at the last policy renewal date and no claims were made during the review period, a PRUWell reward of 20% savings will apply at the next policy renewal date. PRUWell Reward is only applicable for PRUExtra Premier CoPay and PRUExtra Preferred CoPay.

¹²Charges exclude medication.

¹³Except for secured locations listed at www.prudential.com.sg/ppc-teleconsult#faq where there will be a surcharge of $15 (excluding GST).

¹⁴On a best effort basis.

¹⁵Additional night/weekend charges may apply for some clinics.

¹⁶For children aged 2 to 18 months and seniors aged 65 years and above. Patients with severe allergies require an On-Site clinic doctor’s consultation and approval before they can proceed with a home-based vaccination.

¹⁷Cashless transactions applicable for eligible customers. Non-eligble customers are required to submit a pre-authorisation form.