Prushield Ebrochure English 5q28q

PROTECT

We understand you want a comprehensive plan that covers more than just rising medical costs PRUshield

With PRUshield, you can now be covered against rising medical costs and have your medical questions1 answered too. PRUhealthcare assist is a first-to-market medical helpline service, exclusively to our PRUshield customers. It is designed to help answer your questions1 on hospitalisation and medical conditions. Now, you will truly have a medical insurance plan that gives you coverage and assists in providing answers to your medical-related questions1, so you can concentrate on the treatment that is available. PRUshield is a Medisave-approved integrated medical insurance plan2.

Get extensive coverage with PRUshield’s features*: • Living Organ Donor Transplant Benefit if life assured is the organ donor or recipient • Inpatient Psychiatric Treatment costs are covered • Coverage for Planned Overseas Medical Treatment • Pre- and post-hospitalisation coverage of up to 180 days before or after Hospital Confinement or day surgery • Buy a new plan without underwriting with Future Insurance Option3 upon significant events in life • Adjustment feature for policy year limit to offset medical cost inflation *Note: Please refer to the Benefit Schedule for more details.

Guaranteed renewable for life PRUshield is a guaranteed renewable annual plan that can cover you for life. You can pay the annual through Medisave4 or cash. Also protects you from ever-increasing medical costs PRUshield’s policy year limit5 may increase every year along with the Consumer Price Index (Health Care Costs) to help offset rising medical expenses. What’s more, PRUshield does not impose lifetime limits for claimable hospitalisation and surgical expenses due to illnesses or accidents. This helps ensure that you have the financial means for the best possible treatment. We cover your questions1 too PRUhealthcare assist is a first-to-market medical helpline service exclusive to all our PRUshield customers. With this service, you can call the helpline at 1800 534 3333 for any medical-related question1 you may have. A choice to match your needs Select from two specially-designed PRUshield plans that cover hospitalisation and surgical expenses on an ‘as charged’ basis.

Plan Hospital/Ward Type

PRUshield A Premier

PRUshield A Plus

Singapore Private Hospital

Singapore Restructured Hospital (Class A Ward)

Hospitalisation Benefits Daily Room & Board Daily Intensive Care As Charged

As Charged

As Charged

As Charged

$60,000 per Policy Year

$40,000 per Policy Year

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

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

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

As Charged

As Charged

Post-Hospitalisation Follow-up Treatments and Diagnostic/Laboratory Services incurred within 180 days after confinement or day surgery

As Charged

As Charged

$10,000 per Policy Year

$5,000 per Policy Year

As Charged

As Charged

Miscellaneous Hospital Services Daily Inpatient Physician Visit Confinement in Community Hospital 6 Accidental Inpatient Dental Treatment Surgical Benefits (including Day Surgery) Surgical Procedure Organ Transplant Benefit 7 Stem Cell Transplant Treatment 8 Surgical Implants/Approved Medical Consumables Gamma Knife/Novalis Radiosurgery 9 Living Organ Donor Transplant Benefits Life assured is the organ donor 10 Life assured is the organ recipient11 Overseas Medical Treatment Emergency Medical Treatment outside Singapore Planned Overseas Medical Treatment12

Pre- & Post-Hospitalisation Benefits

Post-Hospitalisation Hyperbaric Oxygen Therapy incurred within 180 days after confinement or day surgery Outpatient Hospital Benefits13 Outpatient Cancer Treatment (Radiotherapy, Stereotactic Radiotherapy, Chemotherapy, Immunotherapy) Outpatient Renal Failure Treatment (Renal Dialysis, Erythropoietin) Approved Immunosuppressant Drugs for Organ Transplant Other Benefits Final Expense Provision14 Pregnancy Complications benefit15 Congenital Abnormalities16 Inpatient Psychiatric Treatment benefit Short Stay Ward17 Future Insurance Option3 at Life Events

$5,000

$3,000

As Charged

As Charged

As Charged

As Charged

$4,000 per Policy Year

$3,500 per Policy Year

As Charged

As Charged

$100,000 sum assured per life

$100,000 sum assured per life

Plan Hospital/Ward Type

PRUshield A Premier

PRUshield A Plus

Singapore Private Hospital

Singapore Restructured Hospital (Class A Ward)

Deductible per Policy Year18 Restructured C Ward

$1,500

$1,500

Restructured B2 Ward

$2,000

$2,000

Restructured B1 Ward

$2,500

$2,500

Restructured A Ward

$3,500

$3,500

Private Hospital

$3,500

$3,500

Day Surgery – Subsidised

$1,500

$1,500

Day Surgery – Non-Subsidised

$2,000

$2,000

Short Stay Ward – Subsidised

$1,500

$1,500

Short Stay Ward – Non-Subsidised

$2,000

$2,000

10%

10%

N.A.

65%

Co-Insurance Pro-Ration19 Private Hospital Limits of Cover Policy Year Limit with adjustment feature 5

$632,700

$379,700

Lifetime Limit

Unlimited

Unlimited

75 55

75 55

Lifetime

Lifetime

Age Limits Maximum Entry Age (Singaporeans/PR) Maximum Entry Age (Foreigners) Maximum Renewal Age

Affordable s — pay through Medisave4 With PRUshield, you can use Medisave4 to pay for your s – there’s no need to dip into your savings! For as little as $0.5220 a day, you’ll be protected against unexpected and escalating medical expenses. PRUshield even covers pre-hospitalisation, post-hospitalisation and selected chronic outpatient treatments such as chemotherapy and kidney dialysis on an ‘as charged’ basis.

Annual s (inclusive of 7% GST) For Singaporeans, Permanent Residents of Singapore and Foreigners who are dependants of Singaporeans or of Permanent Residents of Singapore Age Next Birthday

Annual PRUshield A Premier

PRUshield A Plus

1 – 20

$162

$119

21 – 30

$191

$137

31 – 40

$277

$218

41 – 50

$561

$439

51 – 55

$955

$697

56 – 60*

$977

$713

61 – 65*

$1,390

$1,060

66 – 70*

$2,079

$1,510

71 – 73*

$2,753

$1,953

74 – 75*

$3,213

$2,301

76 – 78*s

$4,319

$3,098

For Singaporeans, Permanent Residents of Singapore and Foreigners who are dependants of Singaporeans or of Permanent Residents of Singapore Age Next Birthday

Annual PRUshield A Premier

PRUshield A Plus

79 – 80*s

$4,438

$3,221

81 – 83*s

$5,606

$3,725

84 – 85*s

$6,241

$4,170

86 – 88*s

$6,904

$4,430

89 – 90*s

$6,904

$4,430

91 – 93*s

$6,936

$4,539

94 – 95*s

$7,519

$4,944

96 – 98*s 99 – 100*s

$7,749 $8,169

$5,141 $5,584

* For Foreigners who are dependants of Singaporeans or of Permanent Residents of Singapore, only policy renewals are allowed. s

For Singaporeans or Permanent Residents of Singapore, only policy renewals are allowed.

How PRUshield A Premier works Assumptions: • Policyholder (male, age 52) is covered under PRUshield A Premier plan • Hospitalised due to ischaemic heart disease and undergoes coronary artery by graft surgery • Stays a total of 9 days in a double-bedded ward of a private hospital, so his total hospital bill comes to $18,900 See how much of this bill is covered under PRUshield A Premier: Breakdown of Hospital Bill

Hospital Bill Incurred

Daily Room & Board (7 days)

$5,870

Amount Payable $5,870

Daily ICU Charges (2 days)

$1,630

$1,630

Surgical Procedure

$9,000

$9,000

Surgical Implants/Approved Medical Consumables

$2,400

$2,400

Total

$18,900

$18,900

Less Deductible (Private Hospital) > Balance After Deductible

$3,500 $15,400

Less Co-insurance (10% of $15,400) > Balance After Co-insurance

$1,540 $13,860

PRUshield A Premier Pays Customer Pays

$13,860 $5,040

Assuming that the policy year limit has been adjusted to $632,700 as a result of medical cost inflation, his remaining policy year limit will be $618,840 following the above claim.

Call your Prudential Financial Consultant or our PruCustomer Line at 1800 333 0 333 today, or visit

www.prudential.com.sg

Footnotes: 1 Questions relating to your PRUshield policy but excludes medical advice. 2 If the life assured is a Singaporean or Permanent Resident (PR) of Singapore, PRUshield is available as a Medisave-approved integrated medical insurance plan. If the life assured is a foreigner with Eligible Valid , PRUshield is NOT available as a Medisave-approved integrated medical insurance plan. Please refer to the PRUshield Benefit Illustration for the definition of an Eligible Valid . 3 This benefit is only applicable to PRUshield purchased under standard . It allows the life assured to buy a new plan up to the stipulated sum assured upon significant events in life without underwriting. The events include Marriage, Divorce, Parenthood, Adoption of a child through legal means, Death of a spouse, Marriage of the children and children entering primary or secondary school. 4 s paid through Medisave are subject to Medisave withdrawal limits. Please refer to Ministry of Health’s website at www.moh.gov.sg for details. 5 Policy year limit may be increased by Prudential to keep up with medical cost inflation. It does not apply to Post Hospitalisation Hyperbaric Oxygen Therapy, Living Organ Donor Transplant, Inpatient Psychiatric Treatment and Final Expense Provision. 6 Community hospitals covered by PRUshield include: Bright Vision Hospital, St Luke’s Hospital, St Andrew’s Community Hospital, Ang Mo Kio Community Hospital, Westpoint Family Hospital, Ren Ci Community Hospital & Kwong Wai Shiu Hospital. 7 This benefit pays for surgical fees incurred for major organ transplants that include: kidney(s), heart, liver, cornea(s), bone marrow, skin and musculoskeletal tissue. 8 This benefit pays when an insured requires stem cell transplant due to Leukaemia, Thalassemia Major and Lymphoma after not responding to other treatments such as chemotherapy, radiotherapy or surgery. 9 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. 10 This benefit pays for hospitalisation expenses when the life assured donates a kidney and/or liver. 11 This benefit pays for hospitalisation expenses incurred by the organ donor if the life assured receives a kidney and/or liver transplant. 12 This benefit pays for hospitalisation and surgical expenses (including day surgery) incurred in selected hospitals overseas referred by local healthcare providers (Health Management International or Parkway Holdings Pte Ltd). 13 Deductible does not apply to Outpatient Hospital Benefits.

14 This benefit waives the Deductibles and Co-insurance, under certain conditions, up to the stipulated limits. 15 This benefit pays when the following conditions are first diagnosed by an obstetrician after 10 months from the cover start date of the policy or the date of reinstatement (if any), whichever is later: ectopic pregnancy, pre-eclampsia & eclampsia, disseminated intravascular coagulation, miscarriage, fatty liver during pregnancy, amniotic fluid embolism, abruptio placentae or postpartum haemorrhage requiring hysterectomy. 16 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 ed 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. 17 This benefit pays for charges incurred in the short stay ward in the emergency departments even if it does not result in the hospitalisation of the life assured. 18 Deductibles will be increased by 50% depending on ward class when the life assured is above age 85. 19 Pro-ration factors are applied to reduce private hospital bills to A Ward equivalents of a Restructured Hospital in the claims computation. 20 quoted is on an annual basis for Singaporean life assured age 30 on next birthday for a PRUshield A Premier plan. Note: PRUshield is a yearly renewable plan. Prudential guarantees lifetime coverage for PRUshield A Premier and PRUshield A Plus. s are not guaranteed and may be adjusted based on future claims experience. Prudential reserves the right to vary s at any time by giving 30 days’ written notice to the policyowner before doing so. rates will be based on age next birthday (for 1st ) on cover start date and each policy anniversary date (for renewable ). You are recommended to 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. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be less than the total s paid. This brochure is for reference only and is not a contract of insurance. Please refer to the exact and conditions, specific details and exclusions applicable to these insurance products in the policy documents that can be obtained from your Prudential Financial Consultant. In case of discrepancy between the English and Chinese versions of this brochure, the English version shall prevail. Information is correct as at 1 July 2015.

PROTECT Prudential Assurance Company Singapore (Pte) Limited. (Reg. No. 199002477Z) 30 Cecil Street #30-01 Prudential Tower Singapore 049712 Tel: 1800-333 0 333 Fax: 6734-6953 Part of Prudential plc