Prudential Assurance Company Singapore Insurance Plans

Exploring Prudential Singapore’s Insurance Plans – My Complete Guide to Protection, Health & Wealth

If you ask me which insurer consistently ranks among the most trusted in Singapore, Prudential Assurance Company Singapore is always on the list. Backed by over 175 years of experience globally and a strong local footprint, Prudential Singapore is a go-to provider for those seeking quality, reliability, and long-term financial security.

In this post, I’ve done a detailed deep-dive into every major insurance plan offered by Prudential Singapore, so you don’t have to wade through all the marketing fluff. Whether you’re after life protection, medical security, savings for your child’s education, or a comfortable retirement—there’s something in here for you.

🔴 1. Life Insurance Plans – Protect What Truly Matters

✅ PRUActive Term / PRUActive Term Plus

Customisable term life coverage at affordable premiums
Flexible terms: 5, 10, 20 years, or coverage up to age 100
Riders available: Critical Illness, Total & Permanent Disability (TPD), Accident
Convertible to whole life or endowment plans later with no underwriting
Ideal for those needing mortgage protection, family income replacement, or business continuity

✅ PRULife Vantage Achiever / PRULife Vantage Wealth

Whole life insurance plan with cash value accumulation
Lifetime coverage against death, TPD, and terminal illness
Bonuses and investment returns build up over time
Wealth transfer potential for estate or legacy planning

🟡 2. Critical Illness Plans – More Than Just One-Time Payouts

✅ PRUExtra CI / PRUTriple Protect

Covers early, intermediate, and late-stage critical illnesses
Multiple payouts for recurring conditions (up to 3 times)
Includes major illnesses like cancer, heart disease, stroke, and more
Option to add riders for premium waivers upon CI diagnosis
Good fit if you're worried about recovery and recurring conditions

✅ PRUCritical Early Protector

Strong coverage for early-stage detection
Lump-sum payout helps manage treatment and recovery costs
Option to include child-related coverage for added peace of mind

🟢 3. Hospitalisation & Health Insurance – Protecting Your Well-Being

✅ PRUShield

Prudential’s flagship Integrated Shield Plan (IP), layered over MediShield Life
Three tiers available: PRUShield Plus, PRUShield Premier, PRUShield Standard
Covers hospitalisation, surgery, pre- and post-treatment expenses
Panel specialist network for better cost control
MediSave-approved, and you can add riders to reduce cash outlay

✅ PRUExtra Riders (PRUExtra Premier / PRUExtra Plus CoPay)

Optional riders to PRUShield that cover deductibles and co-insurance
Includes outpatient coverage for follow-ups
Offers co-payment cap protection, reducing out-of-pocket risk

✅ PRUMaternity 360

Comprehensive maternity coverage from pregnancy to birth
Covers up to 18 pregnancy-related complications
Includes newborn congenital illnesses
Can be purchased standalone or as an add-on to existing policies

Prudential Assurance Company Singapore Insurance Plans

🔵 4. Investment-Linked Plans (ILPs) – Protection + Wealth Growth

✅ PRULink Protection Plus Account II

Combines life coverage with investment flexibility
Pay premiums regularly while growing your wealth in selected funds
Customise your portfolio with risk-adjusted choices
Offers death and TPD protection plus optional CI riders
Flexibility to top-up or withdraw partial amounts

✅ PRUVantage Achiever

Designed for higher net-worth clients with lump-sum investments
Offers capital appreciation through investment-linked funds
Includes life insurance coverage alongside investment value
Aimed at long-term growth, legacy building, and wealth transfer

🟣 5. Endowment & Savings Plans – Smart Planning for the Future

✅ PRUSave Max / PRUSave Flexi II

Traditional savings + protection plans
Guaranteed maturity benefit with potential bonuses
Choose premium payment terms (5, 10, 15 years etc.)
Can be used for education, property goals, or life milestones
Comes with life insurance protection included

✅ PRUEduSave

Designed for children’s education planning
Pays out lump sum at maturity + protection along the way
Policy ownership can be transferred to child after maturity
Includes bonus payouts during key education milestones

🟠 6. Retirement & Income Plans – Comfortable Retirement, Guaranteed

✅ PRURetirement Growth / PRURetirement Plus

Designed to provide guaranteed monthly income during retirement
Payout starts from your chosen retirement age (e.g., 55, 60, or 65)
Guaranteed income + potential bonus
Flexibility in premium term and payout duration
Also includes life coverage throughout the plan

✅ PRUWealth Plus

Long-term wealth accumulation plan
Helps with capital growth and future financial security
Regular or single premium payment options
Suitable for those planning a legacy or diversifying long-term wealth

🧸 7. Children & Juvenile Plans – Giving Your Kids a Head Start

✅ PRUFirst Gift

Lifetime protection plan purchased in your child’s name
Offers coverage from as early as 13 weeks in utero
Covers juvenile illnesses, hospitalisation, and more
Cash value grows over time and can be transferred to the child later

✅ PRUFlexi Cash Junior

Savings-focused plan designed for major childhood milestones
Annual payouts or lump sum options at maturity
Education-friendly, and acts as both savings + insurance

✈️ 8. Travel & Lifestyle Protection

✅ PRUTravel Cover

Covers medical emergencies abroad, trip cancellations, and baggage loss
24/7 emergency assistance hotline
COVID-19 add-ons available
Available for single-trip or annual multi-trip plans

✅ PRUPersonal Accident Plans

Includes PRUPA Protect and PRUPA Premier
Covers accidents, injuries, fractures, and death
24/7 global coverage
Option to include daily hospital cash and mobility support benefits

💼 9. Business & Corporate Insurance (Group Coverage)

While not individual plans, Prudential also provides customisable group insurance solutions for SMEs and corporations, such as:

Group Hospitalisation & Surgical
Group Term Life & Critical Illness
Group Personal Accident
Employee medical benefits administration

This is especially useful for entrepreneurs or HR teams looking to attract and retain talent with robust health coverage.

Final Thoughts – Why Prudential Singapore Deserves Serious Consideration

Prudential Singapore has done a great job of balancing protection, investment, and savings. What I personally like is how modular their plans are—you can start simple and add layers as your needs grow. Their digital services (like the Pulse app) are also quite advanced, making it easy to track health, manage policies, and get AI-driven insights.

Whether you're protecting your life, preparing for critical illness, or planning a financially secure retirement, Prudential offers a solution that feels both personal and powerful. As always, I recommend speaking with a licensed financial consultant who can tailor these plans to your specific goals.

🔗 Official Website: https://www.prudential.com.sg/