Prudential slashes medical rider premiums by 55% amidst MOH shift

New PRUExtra Care series replaces old suite to meet 2025 mandate.

Prudential Singapore has launched a suite of Integrated Shield Plan (IP) supplementary plans that provide comprehensive medical protection at lower premiums. 

The three new riders are at least 30% more affordable than the previous suite across all age groups and plan types, with some having even larger differences.  

In particular, PRUExtra Preferred Care, the new rider for Prudential’s preferred list of private healthcare institutions, is at least 45% more affordable across all age groups compared to its previous corresponding rider, with some groups seeing a 55% difference.  

The three new riders – PRUExtra Premier Care, PRUExtra Preferred Care, and PRUExtra Plus Care (known as the “PRUExtra Care series”) – replace Prudential’s previous suite of riders, and align with the new rider requirements announced by the Ministry of Health (MOH) in November 2025.  

PRUExtra Premier Care is a rider for private healthcare institutions, PRUExtra Preferred Care is a rider for Prudential’s preferred list of private healthcare institutions under the PRUPanel Connect programme, and PRUExtra Plus Care is a rider for restructured hospitals (up to Class A wards). 

The PRUExtra Care riders offer new benefits, including additional policy year limits of up to $77,756 (S$100,000) if hospitalisation is due to critical illness, and a 12-month premium waiver during retrenchment.  

IP main plans offer broader coverage by giving individuals more choice, including higher ward classes, access to private healthcare, and the flexibility to choose their doctor. 

Prudential’s riders complement its IP main plans by providing additional coverage for out-of-pocket expenses and treatments that MediShield Life and IP main plans may exclude, including coverage for non-cancer drug list treatments and non-listed cell, tissue and gene therapy products (CTGTP).

($1.00 = S$1.29)