In today's uncertain world, having robust health insurance is more important than ever . But with so many options available, how do you choose the right plan for you and your family? If you're considering PruExtra, you've come to the right place. Let's dive deep into what this plan offers and how it can provide you with the protection you need.
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PruExtra is a supplementary health insurance plan offered by Prudential Singapore . It's designed to work alongside your MediShield Life and PRUShield Base Plan, providing enhanced coverage and benefits to ensure you're well-protected against hefty medical bills.
PruExtra covers your medical expenses at all Singapore private hospitals , giving you access to top-tier healthcare when you need it most.
PruExtra significantly reduces your out-of-pocket expenses by covering 95% of your Deductible and half of your Co-insurance . There's a S$3,000 annual limit on out-of-pocket expenses if you use a Panel provider.
PruExtra gives you access to a wide network of Panel providers , including registered medical practitioners, specialists, private hospitals, and private treatment centers.
PruExtra offers different levels of coverage to suit your needs and budget, including PRUExtra Premier CoPay and PRUExtra Supplementary plan.
This feature likely provides additional services or benefits when you use Panel providers.
| Age | What suggestion covers | Premium |
|---|---|---|
| 21, Female making $4,600 a month | stop loss $3,000 deductible $95 co insurance $50 | $659.2 |
| 40, Male making $23,333.333 a month | $1,068 | |
| 24, Female making $8,000 a month | $55.42 | |
| 27, Male making $3,200 a month | $462 | |
| 25, Female making $4,301 a month | $55.68 |
Covers medical expenses at all Singapore private hospitals, offers more affordable premiums, covers 95% of Deductible and half of Co-insurance, with a S$3,000 annual limit on out-of-pocket expenses with Panel providers. Renewal premium is subject to claims-based pricing .
Covers 95% of Deductible and half of Co-insurance, with a S$3,000 annual limit on out-of-pocket expenses with Panel providers. Offers the lowest premium levels among the PRUShield Premier plans .
Covers 50% of Deductible and half of Co-insurance, with a S$3,000 annual limit on out-of-pocket expenses with Panel providers. Also offers the lowest premium levels among the PRUShield Premier plans.
PruExtra is designed to complement your existing health insurance coverage:
By combining these three layers of protection, you can create a robust health insurance portfolio that provides extensive coverage and minimizes your financial risk in case of hospitalization or major illness.
A fixed amount you need to pay before your insurance benefits kick in. PruExtra covers up to 95% of this amount .
The percentage of the remaining bill you pay after the Deductible. PruExtra covers half of this amount .
Healthcare providers with an agreement with Prudential. Using a Panel provider often results in better coverage and lower out-of-pocket costs .
Your renewal premium may be adjusted based on the claims you've made in the previous year.
If you choose to stay in a private hospital, your coverage may be pro-rated, potentially increasing your costs.
For a S$100,000 surgery at a private hospital, PruExtra could potentially save you tens of thousands of dollars by covering most of your Deductible, half of your Co-insurance, and capping your out-of-pocket expense at S$3,000 with a Panel provider.
For a chronic condition requiring multiple hospital visits, PruExtra provides coverage for each visit with a total annual out-of-pocket expense capped at S$3,000 (with Panel providers), offering significant peace of mind and financial security.
Comprehensive coverage at private hospitals
Significant reduction in out-of-pocket expenses
Annual cap on out-of-pocket costs with Panel providers
Flexibility to choose different levels of coverage
Complements existing MediShield Life and PRUShield coverage
Renewal premiums subject to claims-based pricing
Best benefits tied to using Panel providers
Pro-ration may apply for private hospital stays
PruExtra is designed to work with PRUShield Base Plans, so you'll likely need to have or get a PRUShield plan first.
You can still use Non-panel providers, but your out-of-pocket expenses may be higher.
Your renewal premium may increase if you've made claims in the previous year. The exact impact would depend on Prudential's pricing model.
The summary doesn't specify an age limit. It's best to check with a Prudential consultant.
While not specified, many insurance providers allow plan changes at renewal. Check with Prudential for their specific policies.
PruExtra offers a comprehensive solution for enhanced health insurance coverage in Singapore . By significantly reducing out-of-pocket expenses and providing access to private healthcare, it can offer valuable peace of mind. However, as with any insurance decision, it's crucial to carefully consider your personal health needs, financial situation, and risk tolerance.
Remember, the best insurance plan is one that provides the coverage you need at a price you can afford. While PruExtra offers many attractive features, it's always wise to compare it with other options in the market and consider how it fits into your overall financial plan.
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By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your health and financial wellbeing. Don't leave your health protection to chance – get the expert advice you deserve today.
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