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Prushield

Prushield  (01-Nov-2007) : T1,T2,BB2

Prushield  (19-Apr-2011 ) : T3

Annual Premiums20 (inclusive of 7% GST)
Age Next Birthday	PRUshield A Premier	PRUshield A plus	PRUshield Standard Plan
	For Singaporeans, Permanent Residents of Singapore and Foreigners who are dependants of Singaporeans or of Permanent Residents of Singapore		For Singaporeans and Permanent Residents of Singapore only
1 - 20	$242	$199	$171
21 - 30	$320	$266	$251
31 - 40	$482	$423	$373
41 - 50	$776	$654	$543
51 - 55	$1,240	$982	$771
56 - 60 *	$1,262	$998	$825
61 - 65 *	$1,690	$1,360	$1,005
66 - 70 *	$2,354	$1,785	$1,236
71 - 73 *	$3,078	$2,278	$1,541
74 - 75 *	$3,542	$2,630	$1,774

Plan	PRUshield A Premier		PRUshield A Plus		PRUshield Standard Plan
Benefits	Singapore Private Hospital		Singapore Restructured Hospital (Class A Ward)		Singapore Restructured Hospital (Class B1 Ward)
Inpatient and Day Surgery Benefits
Hospitalisation Benefits
Daily Room & Board	As Charged		As Charged		$1,700
Daily Intensive Care Unit (ICU)					$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					$650
Accidental Inpatient Dental Treatment					Covered under Surgical Procedure
Inpatient Psychiatric Treatment benefit	$4,000 per Policy Year		$3,500 per Policy Year		$500 (up to 35 days per Policy Year)
Surgical Benefits (including Day Surgery)
Surgical Procedure (per treatment) Table 1	As Charged		As Charged		$590
Table 2					$1,670
Table 3					$3,290
Table 4					$4,990
Table 5					$8,760
Table 6					$11,670
Table 7					$16,720
Organ Transplant Benefit6					Covered under Inpatient and Day Surgery Benefits
Stem Cell Transplant Treatment7					Covered under Inpatient and Day Surgery Benefits
Surgical Implants/Approved Medical Consumables (per admission)					$9,800
Gamma Knife/Novalis Radiosurgery8 (per treatment)					$9,600
Living Organ Donor Transplant Benefits
Life assured is the organ donor9	$60,000 per Policy Year		$40,000 per Policy Year		NA
Life assured is the organ recipient10
Overseas Medical Treatment
Emergency Medical Treatment outside Singapore	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)		NA
Planned Overseas Medical Treatment11
Pre- & Post-Hospitalisation Benefits
Pre-Hospitalisation Consultations and Diagnostic Laboratory Services incurred 180 days preceding confinement or day surgery	As Charged		As Charged		NA
Post-Hospitalisation Follow-up Treatments and Diagnostic/ Laboratory Services incurred within 180 days after confinement or day surgery
Post-Hospitalisation Hyperbaric Oxygen Therapy incurred within 180 days after confinement or day surgery	$10,000 per Policy Year		$5,000 per Policy Year
Outpatient Hospital Benefits12
Outpatient Cancer Treatment • Radiotherapy - External/Superficial - Brachytherapy with/without external	As Charged		As Charged		$550 per treatment session $1,100 per treatment session
• Stereotactic Radiotherapy					$1,800 per treatment
• Chemotherapy					$5,200 per calendar month
• Immunotherapy					NA
Outpatient Renal Failure Treatment • Renal Dialysis • Erythropoietin					$2,750 per calendar month $450 per calendar month
Approved Immunosuppressant Drugs for Organ Transplant					$1,200 per calendar month
Other Benefits
Final Expense Provision13	$5,000		$3,000		NA
Pregnancy Complications benefit14	As Charged		As Charged		NA
Congenital Abnormalities15					NA
Short Stay Ward16					Covered under Daily Room and Board
Future Insurance Option3 at Life Events	$100,000 sum assured per life		$100,000 sum assured per life		NA
Deductible per Policy Year 17					For ages 80 and below, as of age next birthday	For ages 81 and above, as of age next birthday
Restructured / Community Hospital C Ward	$1,500		$1,500		$1,500	$2,000
Restructured / Community Hospital B2/B2+ Ward	$2,000		$2,000		$2,000	$3,000
Restructured / Community Hospital B1 Ward	$2,500		$2,500		$2,500	$3,000
Restructured / Community Hospital A Ward	$3,500		$3,500		$2,500	$3,000
Private Hospital / Private Community Hospital	$3,500		$3,500		$2,500	$3,000
Day Surgery – Subsidised	$1,500		$1,500		$1,500	$3,000
Day Surgery – Non-Subsidised (Restructured)	$2,000		$2,000		$2,000	$3,000
Day Surgery – Private Hospital	$2,000		$2,000		$2,000	$3,000
Short Stay Ward – Subsidised	$1,500		$1,500		$1,500	$3,000
Short Stay Ward – Non-Subsidised (Restructured)	$2,000		$2,000		$2,000	$3,000
Short Stay Ward – Private Hospital	$2,000		$2,000		$2,500	$3,000
Co-Insurance	10%		10%		10%	10%
Pro-Ration18					Singapore Citizens	Permanent Residents
Restructured / Community Hospital C Ward	NA		NA		NA	NA
Restructured / Community Hospital B2/B2+ Ward			NA		NA	NA
Restructured / Community Hospital B1 Ward			NA		NA	90%
Restructured / Community Hospital A Ward			NA		80%	80%
Private Hospital / Private Community Hospital			65%		50%	50%
Day Surgery – Subsidised (Restructured)			NA		NA	NA
Day Surgery – Non-Subsidised (Restructured)			NA		NA	NA
Day Surgery – Private Hospital			65%		65%	65%
Short Stay Ward – Subsidised (Restructured)			NA		NA	NA
Short Stay Ward – Non-Subsidised (Restructured)			NA		NA	NA
Short Stay Ward – Private			65%		50%	50%
Outpatient Treatment – Subsidised (Restructured)			NA		NA	NA
Outpatient Treatment – Non-subsidised (Restructured			NA		NA	NA
Outpatient Treatment – Private			NA		65%	65%
Limits of Cover
Policy Year Limit	$632,7005		$379,7005		$150,000
Lifetime Limit	Unlimited		Unlimited		Unlimited
Age Limits	Singaporeans/PR	Foreigners	Singaporeans/PR	Foreigners
Maximum Entry Age	75	55	75	55	NA
Maximum Renewal Age	Lifetime	Lifetime	Lifetime	Lifetime	Lifetime

Lower your cholesterol

What is cholesterol?

Our bodies need cholesterol to function. For instance, it is used to make oestrogen, testosterone, vitamin D and other essential compounds. However, what do we mean by ‘good’ and ‘bad’ cholesterol? HDL stands for High Density Lipoprotein, and is often referred to as ‘good’ cholesterol. These gather cholesterol from our bloodstream and return it back to the liver for disposal. LDL, or Low Density Lipoprotein, is known as ‘bad’ cholesterol. These carry cholesterol from the liver around the body to the cells that need it. However, too much LDL in our blood means it can builds up in the walls of our coronary arteries, increasing the risk of coronary heart disease.

Add these to your diet :

Oats  (75g per day)

Oats contain water soluble (sticky) fiber called beta glucan which traps bile acids and prevents cholesterol being reabsorbed from the gut. Health claims have consistently been made for oats, and the positive effects they have on our blood lipids. Other foods high in sticky fibres include aubergine and okra.

PS. Oat bran contains 50% more fibre and soluble fibre than oatmeal, thus making it more effective in lowering cholesterol. Oatmeal is a whole grain (rolled oats) and oat bran is just the bran of the oats. Oat bran fills you up faster than oat meal. 

Soy  (15-25g per day)

Soy food and other bean proteins seem to inhibit cholesterol synthesis in the liver. Studies have shown that consuming 15-25g per day can lead to modest reductions in LDL.

Plant Sterols  (2-3g phytosterols per day)

Plant sterols block cholesterol by competing with it for absorption so cholesterol is lost from the body. It is very difficult to obtain the right amount from natural sources such as green leafy vegetables, nuts and seeds, but enriched margarines and yoghurts will easily give you the optimum amount recommended per day.

(Info extracted from BBC programme Trust Me I'm a Doctor)