The plan that gives you more ways to look after your healthcare and hospitalisation needs. PRUshield. Your relationships are precious. Protect them.

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1 The plan that gives you more ways to look after your healthcare and hospitalisation needs PRUshield Your relationships are precious. Protect them.

2 Why do you need medical insurance? How expensive can 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 a financial 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. 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. Condition Lung Cancer Breast Cancer Hospital Type Public Hospital Class A Ward Private Hospital A Ward Public Hospital Class A Ward Private Hospital A Ward 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. Length of Hospital Stay Total Cost^ 11 Days S$12, Days S$44,558 7 Days S$28,608 7 Days S$64,

3 How you can stay on top of rising healthcare costs What s in it for me? 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 plan 1, 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. 100% We ve got you covered High annual coverage of up to S$1.2 million for medical treatment We ll give you more flexibility Complement your main plan with a supplementary plan to enjoy up to 100% coverage How PRUshield helps provide enhanced coverage MediShield Life (National Health Insurance Plan) Portion of bill not covered by MediShield Life MediShield Life Payout PRUshield Plan (Private Health Insurance Plan) Deductible & Co-insurance PRUshield Plan Payout not covered by Integrated Shield Plan MediShield Life Payout PRUshield Plan + Supplementary Plan for Deductible & Co-insurance PRUshield Plan & Supplementary Plan + MediShield Life Payout We ll make it yours for a lifetime Guaranteed renewability of plan We ll take care of you, before and after Pre-hospitalisation coverage for up to 180 days and post-hospitalisation coverage for up to 365 days We ll keep it simple No medical underwriting required to purchase a new plan for significant life events Legend: Medical insurance payout Out-of-pocket expenses PRUshield Plan Payout 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. We ll let you take your pick Wide choice of private and public hospitals, ward classes and doctors Public Service Officers or staff of Selected Companies enjoy 10% off 2 PRUshield premiums 3 for the first year 4 5

4 Which plan is right for me? Make your health a priority 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 Comprehensive Coverage Main Plans PRUshield Premier Provides coverage for medical and surgical expenses at private hospitals. Supplementary Plans 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. 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. How the fairer pricing approach works 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 Additional Coverage that complements MediShield Life PRUshield Plus Provides coverage for medical and surgical expenses at public hospitals (up to Class A ward). PRUshield Standard Plan^ Provides coverage for medical and surgical expenses at public hospitals (up to Class B1 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. How your premiums can change in the future Hospital Claims 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 Basic Coverage MediShield Life^ National health insurance scheme for all Singaporeans and Permanent Residents of Singapore. Covers Class B2/C wards at public hospitals. Private Hospital Above S$5,000 Move up four levels 4 Levels Public Hospital Private Hospital or Public Hospital Any claims amount and no claims made at a private hospital Move down one level 1 Level No claims Move down one level 1 Level ^ For Singaporeans and Permanent Residents of Singapore only. 6 7

5 Here s an example of how PRUshield protects you PRUshield protects foreigners, too 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. Public hospital coverage in Class A ward with PRUshield Plus Mr Tan s initial medical bill amounted to S$10,698. His out-of-pocket expense was reduced to S$0 with PRUextra Plus. Public hospital Class A Ward Total Bill S$10,698 with MediShield Life MediShield Life covers S$1,570 Mr Tan pays a balance of S$9,128 with PRUshield Plus at a premium of S$0.19/day 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)] with PRUextra Plus at a premium of S$0.68/day 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 Private hospital coverage with PRUshield Premier Mr Tan s initial medical bill amounted to S$25,008. His out-of-pocket expense was reduced with PRUextra. Private hospital Single-bedded Ward Total Bill S$25,008 with MediShield Life MediShield Life covers S$6,079 Mr Tan pays a balance of S$18,929 with PRUshield Premier at a premium of S$0.56/day 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)] with PRUextra Premier at a premium of S$1.34/day (with PRUwell Reward) 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 Class A Ward Total Bill S$10,698 Private hospital Single-bedded Ward Total Bill S$25,008 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. Public hospital coverage in Class A ward with PRUshield Plus Mr Smith s initial medical bill amounted to S$10,698. His out-of-pocket expense was reduced to S$0 with PRUextra Plus. with PRUshield Plus at a premium of S$0.77/day PRUshield Plus (additional private insurance) covers S$6,478 Mr Smith pays S$4,220 [deductible (S$3,500) + co-insurance (S$720)] with PRUshield Premier at a premium of S$1.15/day PRUshield Premier (additional private insurance) covers S$19,358 Mr Smith pays S$5,650 [deductible (S$3,500) + co-insurance (S$2,150)] with PRUextra Plus at a premium of S$0.72/day PRUextra Plus covers S$4,220 Mr Smith pays S$0 Private hospital coverage with PRUshield Premier Mr 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. with PRUextra Premier at a premium of S$1.41/day (with PRUwell Reward) 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)] 8 The above illustration is based on an estimated calculation of MediShield Life payout. The figures are for illustrative purposes only. 9

6 How you can keep your premiums affordable 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. Benefits Schedule for Public Hospitals

7 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 S$1,700 Daily Intensive Care Unit (ICU) S$2,900 Miscellaneous Hospital Services Covered under Inpatient and Day Surgery Benefits Daily Inpatient Physician Visit Covered under Inpatient and Day Surgery Benefits Confinement in Community Hospital S$650 Accidental Inpatient Dental Treatment 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, S$590 Table 2 benefits are classified S$1,670 Table 3 according to their level S$3,290 Table 4 of complexity, which S$4,990 Table 5 increases from Table 1 S$8,760 Table 6 to Table 7. S$11,670 Table 7 (more complex procedures) S$16,720 Organ Transplant Benefit Covered under Inpatient and Day Surgery Benefits Stem Cell Transplant Treatment Covered under Inpatient and Day Surgery Benefits Surgical Implants/Approved Medical Consumables (per admission) S$9,800 Gamma Knife/Novalis Radiosurgery (per treatment) S$9,600 Living Organ Donor Transplant Benefits Life assured is the organ donor S$40,000 per Policy Year Life assured is the organ recipient S$40,000 per Policy Year Overseas Medical Treatment Emergency Medical Treatment outside Singapore Planned Overseas Medical Treatment 6 Pre- & Post-Hospitalisation Benefits Pre-Hospitalisation Consultations and Diagnostic Laboratory Services incurred 180 days preceding confinement or day surgery Post-Hospitalisation Follow-up Treatments and Diagnostic / Laboratory Services incurred within 365 days after confinement or day surgery Post-Hospitalisation Hyperbaric Oxygen Therapy incurred within 365 days after confinement or day surgery (paying the lower of the overseas charges or in accordance with Singapore Public Hospital s charges) S$5,000 per Policy Year Benefits of PRUshield Plus and PRUshield Standard Plan (cont d) 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 S$550 per treatment session - Brachytherapy with/without external S$1,100 per treatment session Stereotactic Radiotherapy S$1,800 per treatment Chemotherapy S$5,200 per calendar month Immunotherapy Outpatient Renal Failure Treatment Renal Dialysis S$2,750 per calendar month Erythropoietin S$450 per calendar month Approved Immunosuppressant Drugs for Organ Transplant S$1,200 per calendar month Other Benefits Final Expense Provision S$3,000 Pregnancy Complications Benefit Congenital Abnormalities Short Stay Ward Covered under Daily Room and Board Future Insurance Option at Life Events S$100,000 sum assured per life Deductible 4 per Policy Year For 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 Public / Community Hospital B2/B2+ Ward S$3,000 Public / Community Hospital B1 Ward S$2,500 S$2,500 S$3,000 Public / Community Hospital A Ward S$3,500 S$2,500 S$3,000 Private Hospital / Private Community Hospital S$3,500 S$2,500 S$3,000 Day Surgery Subsidised (Public) S$1,500 S$1,500 S$3,000 Day Surgery Non-Subsidised (Public) S$3,000 Day Surgery Private Hospital S$3,000 Short Stay Ward Subsidised (Public) S$1,500 S$1,500 S$3,000 Short Stay Ward Non-Subsidised (Public) S$3,000 Short Stay Ward Private Hospital S$2,500 S$3,000 Co-Insurance 5 10% 10% 10% Pro-Ration Singaporeans Public / Community Hospital C Ward Public / Community Hospital B2/B2+ Ward Public / Community Hospital B1 Ward 90% Public / Community Hospital A Ward 80% 80% Private Hospital / Private Community Hospital 65% 50% 50% Day Surgery Subsidised (Public) Day Surgery Non-Subsidised (Public) Day Surgery Private Hospital 65% 65% 65% Short Stay Ward Subsidised (Public) Short Stay Ward Non-Subsidised (Public) Short Stay Ward Private Hospital 65% 50% 50% Outpatient Treatment Subsidised (Public) Outpatient Treatment Non-subsidised (Public) Outpatient Treatment Private 65% 65% 65% Limits of Cover Policy Year Limit S$600,000 S$150,000 Lifetime Limit Unlimited Unlimited Age Limits Singaporeans/PR Foreigners Maximum Entry Age Maximum Renewal Age Lifetime Lifetime Lifetime Permanent Residents of Singapore 12 13

8 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. Plan PRUextra Plus PRUextra Plus Lite 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 Benefits Schedule Immediate Family Member s Accommodation with Child (Immediate Family Member: Father, Mother, Brother or Sister) S$30 per day for Private Hospitals Daily Hospital Incentive S$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 Emergency Outpatient Treatment due to an Accident per Policy Year Special Appliances and Prosthesis purchased or rented within 365 days after confinement or day surgery per Policy Year 14

9 Benefits of PRUshield Premier Plan Benefits PRUshield Premier Singapore Private Hospital Inpatient and Day Surgery Benefits Hospitalisation Benefits Daily Room & Board Daily Intensive Care Unit (ICU) Miscellaneous Hospital Services Daily Inpatient Physician Visit Confinement in Community Hospital Accidental Inpatient Dental Treatment Inpatient Psychiatric Treatment benefit S$4,000 per Policy Year Surgical Benefits (including Day Surgery) Surgical Procedure (per treatment) Table 1 (less complex procedures) Table 2 Under MediShield Life, Table 3 benefits are classified Table 4 according to their level of Table 5 complexity, which increases Table 6 from Table 1 to Table 7. Table 7 (more complex procedures) Organ Transplant Benefit Stem Cell Transplant Treatment Surgical Implants/Approved Medical Consumables (per admission) Gamma Knife/Novalis Radiosurgery (per treatment) 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 Treatment 6 Pre- & Post-Hospitalisation Benefits Pre-Hospitalisation Consultations and Diagnostic Laboratory Services incurred 180 days preceding confinement or day surgery Post-Hospitalisation Follow-up Treatments and Diagnostic / Laboratory Services incurred within 365 days after confinement or day surgery (paying the lower of the overseas charges or in accordance with Singapore Private Hospital s charges) Post-Hospitalisation Hyperbaric Oxygen Therapy incurred S$10,000 per Policy Year within 365 days after confinement or day surgery Outpatient Hospital Benefits Outpatient Cancer Treatment Radiotherapy - External / Superficial - Brachytherapy with/without external Stereotactic Radiotherapy Chemotherapy Immunotherapy Outpatient Renal Failure Treatment Renal Dialysis Erythropoietin Approved Immunosuppressant Drugs for Organ Transplant Benefits of PRUshield Premier (cont d) Plan PRUshield Premier Benefits Singapore Private Hospital Other Benefits Final Expense Provision S$5,000 Pregnancy Complications Benefit Congenital Abnormalities Short Stay Ward Future Insurance Option at Life Events S$100,000 sum assured per life Deductible 4 per Policy Year Public / Community Hospital C Ward S$1,500 Public / Community Hospital B2/B2+ Ward 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) Day Surgery Private Hospital Short Stay Ward Subsidised (Public) S$1,500 Short Stay Ward Non-Subsidised (Public) Short Stay Ward Private Hospital Co-Insurance 5 10% Pro-Ration Public / Community Hospital C Ward Public / Community Hospital B2/B2+ Ward Public / Community Hospital B1 Ward Public / Community Hospital A Ward Private Hospital / Private Community Hospital Day Surgery Subsidised (Public) Day Surgery Non-Subsidised (Public) Day Surgery Private Hospital Short Stay Ward Subsidised (Public) Short Stay Ward Non-Subsidised (Public) Short Stay Ward Private Hospital Outpatient Treatment Subsidised (Public) Outpatient Treatment Non-subsidised (Public) Outpatient Treatment Private Limits of Cover Policy Year Limit S$1,200,000 Lifetime Limit Unlimited Age Limits Singaporeans/PR Foreigners Maximum Entry Age Maximum Renewal Age Lifetime Lifetime 16 17

10 A little extra on top goes a long way For more information, speak to your Prudential Financial Consultant. Call us at today. Enjoy more comprehensive coverage at private hospitals when you complement your PRUshield Premier plan with PRUextra Premier, PRUextra Premier Lite, or PRUextra Premier Saver. Plan PRUextra Premier PRUextra Premier Lite (the fairer pricing approach does not apply) PRUextra Premier Saver (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 PRUshield s Co-Insurance 10% 10% 50% of PRUshield s deductible amount subject to a maximum of S$1,750 per policy year Maximum co-payment S$1,750 per policy year Accident & Emergency Ambulance Fee 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 For Private Hospital: 5% For Public Hospital: 10% S$5,000 per policy year (for life assured above the age 85, the maximum cap will be S$7,500 per policy year) S$250 per injury or illness S$250 per injury or illness S$250 per injury or illness Get Well Benefit Immediate Family Member s Accommodation with Child Daily Hospital Incentive Post-Hospitalisation Follow-up TCM Emergency Outpatient Treatment due to an Accident Special Appliances and Prosthesis Disability Waiver Benefit S$60 per day S$60 per day 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$500 per hospitalisation (for hospitalisation of at least 8 days) S$200 per day (if admitted to a Public Hospital) S$6,000 per policy year S$6,000 per policy year S$3,000 per policy year S$3,000 per policy year S$3,000 per policy year S$3,000 per policy year Waives 36 months of future premiums* if the life assured is diagnosed to be Totally and Permanently Disabled before age 70 *Terms & conditions apply. Please refer to for more details. 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 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 Medisaveaccredited institution/referral centre in Singapore. The overseas hospital must have an approved working arrangement with the Medisave-accredited institution/referral centre in Singapore. Note: 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. 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 1 December *Only waives the premiums for PRUextra Premier. The premiums for PRUshield Premier continue to be payable 18 19

11 Prudential Assurance Company Singapore (Pte) Limited (Reg. No Z) 7 Straits View #06-01 Marina One East Tower Singapore Tel: Fax: Part of Prudential plc

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