Some written commentary on the Invest for Healthcare tab is prepared for the private tier at
ages 65–85. All premium figures and rankings elsewhere follow the selections above.
Cheapest package (ANB )
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Most expensive package
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Range (max − min)
—
Difference between extremes
Main plans compared
0
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Every comparison here is main plan plus rider. A main plan and a rider are always bought
together, so every figure shown is the combined cash outlay of the full package — what the client actually pays out
of pocket, after the Medisave-claimable portion has been taken off. Rider premiums are cash in full.
ANB 1–99 is 99 policy years.
Combined Cash Outlay Per Insurer (ANB 1–99)
Main plan plus cheapest qualifying rider, summed across the range. Hover for the split.
Cheapest Package Per Insurer
Main plan plus its cheapest qualifying rider, ANB 1–99,
ranked on combined cash outlay.
Insurer & Plan
Cheapest rider
Main
Rider
Combined (ANB 1–99)
Riders are 100% cash. This makes rider costs disproportionately heavy at older ages. NCD (No Claims Discount) and PruWell/Savvy discounts only apply if the client makes zero claims in the policy year — premiums shown are the standard rate unless noted.
Rider Cash Outlay by Company (ANB 1–99)
The rider component on its own. A lower rider premium does not always mean a lower
total — the combined main plan and rider figure is on the Combined Totals and Best Option tabs.
All Rider Options — Rider Cost and Combined Package Total
Companies ordered by their cheapest full package.
Each row shows the rider on its own and, in brackets, the combined total once the main plan is added.
One company, one rider — for life. Clients cannot mix and match. The chart below shows total
cash outlay — main plan plus rider — for each company's representative combination, ANB 1–99.
Total Cost: Main Plan + Rider (Ages 65–85)
Stacked bar = main plan cash outlay (bottom) + rider cash outlay (top). Standard rates.
All Representative Combinations
Sorted by total cost (cheapest first). Discount price shown where applicable (no-claims scenario).
Company
Main Plan
Rider
Main (65–85)
Rider (65–85)
Total
No-Claims Total
Best Option for Your Client
Based on total cash outlay from age 65 to 85. A client is covered by one insurer at a time — main plan and rider must be from the same company. Benefits cannot stack or overlap across insurers.
Top Combinations by Total Cost (Ages 65–85)
Where Prudential Stands For This Selection
Key Considerations
No-claims and wellness discounts are only realised if the client makes zero claims in the policy year. At ages 65–85, zero-claim years become less likely. Every figure in this comparison is the standard rate; discounts are shown separately where they apply.
Most riders do not cover non-panel claims. If a client sees a doctor outside the insurer's approved panel — whether by choice or in an emergency — the rider's co-insurance benefit and stop-loss do not apply. The client pays the full 10% co-insurance with no cap. Only Prudential's Premier Care provides access to non-panel and extended-panel providers with co-insurance cover, making it the only new-generation rider that doesn't restrict you to a fixed hospital list.
Raffles Shield restricts the panel to Raffles Hospital only. Non-Raffles admissions (Mount Elizabeth, Gleneagles, Parkway East, Thomson) are treated as non-panel — no stop-loss, full deductible, reduced benefits. For clients who prefer geographic flexibility across Singapore's private hospital network, this is a critical limitation to discuss.
Panel arrangements differ between insurers. Co-payment caps and stop-loss limits
generally apply to treatment by a panel provider or with prior approval. The conditions vary by
insurer and are set out in each product summary.
Cost-Ranked Full Comparison (Ages 65–85)
Rank
Company
Main Plan
Rider
Main (65–85)
Rider (65–85)
Total (Standard)
Total (No Claims)
Important caveats:
All figures are annualised premiums summed from age 65 to 85 (21 policy years). Actual premiums may be adjusted by insurers over time.
GE has two main plans (P Plus and P Prime) — clients choose one, not both. Each pairs with specific riders.
Premiums shown are for Singaporeans. PR and foreigner rates differ.
The No Claims Discount / PruWell / Savvy Claim Discount column reflects the insurer's discounted rate assuming zero claims in every policy year — an optimistic scenario.
Coverage benefits (deductibles, co-insurance, sub-limits) are not compared here — cheaper is not always better value. Review benefit schedules alongside premiums.
Data sourced from your agency's July 2026 Finesse Shield Rider Comparison table.
New Rider Benefits — Side-by-Side Comparison
A comparison of current government-tier riders. The detailed benefit tables on this
tab cover private-tier riders and are hidden while this tier is selected; the premium comparison below
follows your selection.
A direct comparison of all current private riders in the market. Covers deductible exposure, co-insurance, stop-loss, cancer drug benefits, post-hospitalisation coverage, and premium pricing — the full picture for an informed recommendation.
How costs work on every hospitalisation: The deductible ($3,500 for all private panel plans) is the fixed amount you bear first — no new rider covers this. Co-insurance is the percentage split on the bill above the deductible — most new riders cover 50% of the 10%, leaving the client paying 5%. The stop-loss caps co-insurance in a year. The key differences between new riders are: whether your deductible is raised (GE P Prime), whether the stop-loss extends to non-panel, and non-price features like provider network access and post-hosp benefits.
New Riders — Deductible, Co-Insurance & Stop-Loss
Panel and non-panel coverage comparison. Source: Private Rider Benefits Schedule, July 2026.
5% of bill above $5,000 (panel: rider covers $1,500 excess → net $3,500)
$6,000 (Partnering MI + Panel only)
No stop-loss
Singlife — Health Plus Private (Plan 1)
$3,500 — not covered by rider
Covers 50% of 10%
Not covered
5% of bill above deductible
$6,000 (A&E / Panel)
No stop-loss
Income — Optima Care (Preferred)
$3,500 — not covered by rider
Covers 50% of 10% (panel/EP)
20% of co-ins for non-panel; client pays 8%
5% panel; 8% non-panel
$6,000 (Panel/Extended Panel)
No stop-loss
Income — Essential Care (Preferred)
$3,500 — not covered by rider
Covers 30% of 10%
Not covered
7% of bill above deductible (panel)
$6,000 (Panel/Extended Panel)
No stop-loss
HSBC — Enhanced Care II Plan A
$3,500 — not covered by rider
Covers 50% of 10%
Not covered
5% of bill above deductible
$6,000 (Panel)
No stop-loss
Raffles — Premier Rider
$3,500 — not covered by rider
Covers 50% of 10% (Choice Rider add-on required)
Not covered
5% of bill above deductible
$6,000 (Choice Rider add-on required)
No stop-loss
Key takeaway: All new-generation riders leave the standard $3,500 deductible uncovered. GE P Prime raises the plan deductible to $5,000, but TotalCare 2 Prime covers the $1,500 excess for panel — net effective deductible still $3,500. All plans cap panel co-insurance stop-loss at $6,000. Critically, most riders do not cover co-insurance for non-panel doctors — only Income Optima Care covers partial non-panel co-insurance (20%, client still pays 8%), and Prudential Premier Care covers non-panel through its extended panel programme with pre-authorisation. For clients who may want to see non-panel specialists, Premier Care is the only rider offering this flexibility.
The deductible, co-insurance and stop-loss table covers private-tier riders. Government-tier plans use a different deductible schedule and different panel conditions, and are not represented in that comparison.
Rider Premium Comparison (ANB 1–99, Standard Rate)
Rider Cash Outlay, ANB 1–99 (Standard Rate)
Ranked by rider premium alone, to isolate rider cost — this is the one
table in this tool not ordered by combined cost. The last column shows the combined main plan and rider total
for the same selection, so the two can be read together.
#
Insurer / Rider
Rider total
Discount
Main plan
Combined
Cancer Drug Treatment & Services — New Rider Comparison
Cancer Drug Treatment (CDL & Non-CDL) — New Riders
CDL = Cancer Drug List (government-approved); Non-CDL = off-label, newer or experimental drugs. Higher limits and better access are critical as treatment options expand.
Critical Care Benefit $50,000 (EP once per lifetime)
HSBC — Enhanced Care II Plan A
18× MSL/month
Sum of highest per primary cancer/month
$30,000/month (co-ins applies)
15× MSL/yr
N.A.
Raffles — Premier Rider
2× MSL/month (add-on to base plan)
N.A.
$20,000/yr (Cancer Guard add-on; Drug Class A–E)
2× MSL/yr (Cancer Guard)
Cancer Guard: TCM $100k/yr; Psychology $1k/yr; 18× MSL CDL; $250k non-CDL
Singlife's cancer drug benefit is a fixed $10,000/month — not an MSL multiple. As treatment costs rise, this cap does not scale with medical inflation. All other insurers benchmark against the MSL limit (periodically reviewed), making their cancer coverage more future-proof.
Pre & Post-Hospitalisation, Home Nursing & Ancillary Benefits
Post-Hospitalisation, TCM, Home Nursing & Other Rider Benefits
Insurer / Rider
TCM Post-Hosp
Home Nursing / Palliative
A&E / Ambulance
Emergency Outpatient
Disability Waiver
Special Appliances
Pru — Premier Care
✓ $6,000/yr, 365 days
✓ $500/day, $5,000/yr (26 weeks)
✓ $250/illness
✓ $3,000/yr
✓ 36 months waived (TPD before 70)
✓ $3,000/yr
Pru — Preferred Care
✗ N.A.
✗ N.A.
✓ $250/illness
✗ N.A.
✓ 36 months waived (TPD before 70)
✗ N.A.
AIA — VitalHealth Pro A
Alt. Medicine (Cancer/Stroke) $5,000/yr, 100 days
✗ N.A.
$250 (Booster add-on)
$2,000/yr (Booster; 5% co-ins)
✗ N.A.
✗ N.A.
GE — TotalCare 2 P
$6,000/yr, 180 days
$10,000 ($200/day, 180 days)
$250/treatment
$2,000/treatment
✗ N.A.
$3,000/yr
GE — TotalCare 2 Prime
$6,000/yr
$10,000 ($200/day)
$250
✗ N.A.
✗ N.A.
✗ N.A.
Singlife — Health Plus Private
$50/visit, 180 days (accident admission only)
✗ N.A.
$80/illness
✗ N.A.
✗ N.A.
✗ N.A.
Income — Optima Care
✗ N.A.
✗ N.A.
✗ N.A.
✗ N.A.
✗ N.A.
✗ N.A.
HSBC — Enhanced Care II
$6,500/yr (365 days, $50/visit)
✗ N.A.
$200/hospitalisation (taxi eligible)
$3,000/yr
✗ N.A.
✗ N.A.
Raffles — Premier Rider
$6,000/yr, 180 days (Raffles/GRH clinics only)
$100/day, $3,000/yr (post-hosp home care)
$200/hospitalisation
$2,500/yr
✗ N.A.
✗ N.A.
Only Prudential's Premier Care and Preferred Care include the Disability Premium Waiver. If the insured becomes totally and permanently disabled before age 70, Prudential waives 36 months of future rider premiums. No other insurer offers this. Premier Care also stands alone for post-hospitalisation depth: 365-day TCM, home nursing at $500/day, emergency outpatient, and special appliances — a recovery ecosystem that no other rider in the market provides.
The cancer drug and post-hospitalisation benefit tables cover private-tier riders. Limits and conditions differ on the government tier and are set out in each product summary.
Main Plan Benefits — Why Buying a Rider Means Choosing Your Insurer Wisely
Your rider includes your main plan. Every ISP client must buy a main plan (Integrated Shield Plan) and rider from the same insurer — they are bundled for life. This means comparing riders is also comparing main plans. The pre- and post-hospitalisation coverage shown below is delivered by the main plan itself, not the rider — but it only applies because you hold the main plan from that insurer.
Main Plan Benefits Comparison — Private Hospital Tier (All Insurers)
Benefits provided by the main Integrated Shield Plan (private ward). Source: Updated ISP Comparison, July 2026. Riders do not alter these — but you only access them by holding the insurer's main plan.
Insurer / Main Plan
Pre-Hosp Coverage
Post-Hosp Coverage
Annual Limit (Private)
Prudential — PruShield Premier
Up to 180 days
Up to 365 days(unconditional — unique in market)
$1.2M or $2M (panel)
AIA — Max VitalHealth
Up to 100 days Up to 13 months if panel
Up to 100 days Up to 13 months if panel
$1M or $2M (panel)
GE — SupremeHealth P Plus
Up to 90 days Up to 180 days (panel / extended panel / RH)
Up to 180 days Up to 365 days (panel / extended panel / RH)
$1.5M
GE — SupremeHealth P Prime
Up to 90 days Up to 180 days (panel / extended panel / RH)
Up to 180 days Up to 365 days (panel / extended panel / RH)
$1.5M or $2.5M (panel)
Singlife — Health Plus Private
Up to 90 days Up to 180 days (A&E / panel)
Up to 180 days Up to 365 days (A&E / panel)
$1M or $2M (panel)
NTUC Income — Enhance Incomeshield
Up to 100 days Up to 180 days if treated by panel providers
Up to 100 days Up to 365 days if treated by panel providers
$1.5M
HSBC — Life Shield
Up to 90 days Up to 180 days if treated by panel providers
Up to 180 days Up to 365 days if treated by panel providers
$1M or $2.5M (panel / RH)
Raffles — Raffles Shield
Up to 90 days Up to 180 days (panel / extended panel / GRH)
Up to 180 days Up to 365 days (panel / extended panel / GRH)
$600K or $1.5M (panel) Panel = Raffles Hospital only
PruShield Premier stands out on post-hospitalisation coverage. It is the only main plan in the market offering 365 days post-discharge unconditionally — all other insurers cap post-hosp at 100–180 days at the base level, extending to 365 days only for panel providers. At a comparable or lower combined cost than AIA, GE P Plus, Singlife, and Raffles, clients who choose Prudential get materially more main plan coverage built in — before the rider benefits even apply.
This benefits comparison covers the private hospital tier. A government-tier benefits comparison is not included in this version.
Why You Should Consider Switching to Prudential
A plan-by-plan look at why PruExtra Premier Care or Preferred Care may be the right move for you — on benefits, provider access, value, and protections no other insurer offers.
A plan-by-plan look at why Prudential may be the right move for you on the government tier. The Premier Care and Preferred Care material applies to the private tier only.
Prudential Rider Premium Breakdown vs Competitors (ANB 1–99)
Rider premium at sample ages across the selected range
Ranked by combined cost, matching the Best Option Summary. The ANB columns are annual
rider premium at sample ages spread across your selected range; the last two columns show the main plan and
the combined total, so you can see when a cheap rider sits on an expensive main plan.
How Your Current Plan Compares — And What You Could Save
Each card shows how your current plan compares against Prudential's cheapest option over ANB 1–99 on the selected tier.
Two Protections You Will Not Find Anywhere Else — Built Into Premier Care and Preferred Care
With PruExtra Premier Care or Preferred Care, you get two safety-net benefits that no other insurer in Singapore offers — the Disability Premium Waiver (DPW) and the Retrenchment Benefit.
Disability Premium Waiver — What It Covers
If you become Totally and Permanently Disabled (TPD) before age 70, Prudential waives 36 months of your future rider premiums automatically. No extra claims needed. Your private hospital coverage continues without interruption.
Retrenchment Benefit — What It Covers
If you are retrenched, Prudential waives one full year of your rider premiums. Your coverage continues without interruption — exactly when you need it most and can least afford to lose it. No other insurer offers this for integrated shield riders.
⚡ Why These Benefits Matter Most When Things Go Wrong
Both scenarios — disability and retrenchment — are exactly when you cannot afford to lose healthcare coverage. Your income stops, but your medical needs do not. These waivers keep your coverage active at the worst possible financial moment, at no extra premium.
The Value in Numbers
DPW: A client who becomes TPD at age 60 has the waiver cover ages 60–63. Three years of Preferred Care premiums ≈ $13,500–$16,000 waived; Premier Care ≈ $30,000–$40,000 waived — coverage continues throughout. Retrenchment: One year of Preferred Care premiums waived = approximately $4,500–$5,500 depending on age; Premier Care ≈ $7,000–$12,000 — exactly when premium affordability matters most.
AIA, GE, Singlife, NTUC Income, HSBC and Raffles do not offer either benefit. Both come standard with PruExtra Care riders.
The Disability Premium Waiver and Retrenchment Benefit come with PruExtra Premier Care and Preferred Care. These are private-tier riders and are not part of government-tier plans, so they are not shown here.
⭐ The Verdict
Is It Worth Switching to Prudential Premier or Preferred Care?
Is It Worth Switching to Prudential on the Government Tier?
A data-driven analysis for clients on competitor riders — and for Prudential clients on older-generation CoPay riders. Switching to the new Care riders saves significant premiums. Here is exactly what is gained, what changes, and why the numbers work.
A cost comparison for government-tier clients. The Care-rider migration analysis below is private-tier only and is hidden while this tier is selected.
Background: Many clients hold older-generation riders that predate the 2023 co-payment requirement changes — including old Prudential CoPay riders (Premier CoPay, Preferred CoPay) and competitor riders (AIA, GE, Singlife, Income, HSBC). The new PruExtra Premier Care and Preferred Care riders reflect updated market terms: lower premiums, same co-insurance mechanics, but no deductible coverage (consistent with all new-generation riders in the market). The key question: does the premium saving and added benefits (post-hosp coverage, disability waiver) outweigh any coverage changes?
Premium Savings: Switching to Prudential Care Riders
Cost comparison — current plan vs Prudential, ANB 1–99
Every combination priced for the selected range and tier, ranked by total cost.
The right-hand column is what the client would save (or pay) by moving to Prudential's cheapest option.
Company
Main plan
Rider
Main
Rider
Total
vs Prudential
⚖️ What Changes: Old Prudential CoPay Riders → New Care Riders
For clients currently on old Prudential CoPay riders: The main coverage change on switching to new Care riders is the stop-loss increase from $3,000 to $6,000 and loss of deductible subsidy (old CoPay riders covered the deductible above $2,000; new Care riders do not — consistent with all new-generation riders). The analysis below examines whether the premium saving covers this gap.
Maximum Annual Additional Exposure (vs Old Pru CoPay Riders)
A client switching from old Prudential Premier CoPay to new Preferred Care faces at most:
Deductible gap per admission:
Old Premier CoPay: covers 95% above $2,000 → client pays ~$175
Preferred Care: no deductible coverage → client pays full $3,500 Additional per admission: ~$3,325
Stop-loss gap per year:
Old CoPay riders: $3,000 co-insurance cap
Preferred Care: $6,000 co-insurance cap Additional per year: up to $3,000
Max combined additional exposure per year: ~$6,325
Average annual premium saving (Premier CoPay → Preferred Care): $6,622/year ($139,075 over 21 yrs)
Worst case (max deductible + max stop-loss every year): Still saves $6,622 − $6,325 = ~$297/year net. In the most extreme scenario, the client is still marginally better off. In realistic scenarios (1–3 admissions in 21 years), the saving is substantial.
Break-Even Analysis — How Many Worst-Case Admissions?
Switch From
Rider Saving (65–85)
Max Exposure/yr
Break-Even Yrs
Old Premier CoPay → Preferred Care
$139,075
$6,325
22 worst-case yrs
Old Premier CoPay → Premier Care
$68,011
$6,325
11 worst-case yrs
Old Preferred CoPay → Preferred Care
$58,363
$6,325
9 worst-case yrs
Competitor riders (AIA/Income/HSBC/GE)
$9k–$162k
$0 (same stop-loss)
N/A — always better
For clients switching from AIA, Income, HSBC, GE, or Singlife: there is no stop-loss trade-off. Their current riders already have $6,000 stop-loss (same as Care riders). They save premiums and gain disability waiver — a straightforward double win.
For old Prudential CoPay clients: even in worst-case scenarios, the break-even is reached only at an implausible frequency of maximum-cost hospitalisations every single year.
Why Premier Care? — Non-Panel Access & Post-Hospitalisation Benefits
PruExtra Premier Care — For Clients Who Want More Than the Basics
Preferred Care covers the core hospital bill efficiently. Premier Care is for clients who want flexibility beyond the panel and a comprehensive recovery package after discharge.
Non-Panel & Extended Panel Accessibility
Non-panel doctors: Standard co-insurance (10% of bill) applies — no stop-loss cap. But you are not restricted to the panel list. Any specialist, any private hospital.
Extended panel with pre-authorisation: Certain non-panel providers are covered under extended panel terms with pre-approval — check with Prudential for the extended panel list.
Emergency outpatient: Up to $3,000/yr for emergency outpatient treatment — panel or non-panel.
Key point: If you expect to see non-panel specialists or prefer not to be confined to a fixed list, Premier Care removes that restriction. Preferred Care does not.
Post-Hospitalisation Recovery Package
Home nursing care: $500/day, up to $5,000/year — professional nursing at home after discharge.
Traditional Chinese Medicine (TCM): $6,000/year, for up to 365 days post-discharge — the most generous TCM coverage in the market.
Medical appliances: Up to $3,000/year for mobility aids, CPAP, and other approved devices.
Postpartum, autism & miscarriage support: $800 per benefit for eligible conditions.
Note: PruShield Premier's 365-day post-discharge coverage applies to all care — Premier Care rider extends this with home nursing and TCM on top.
Worth it at ~$71,064 more? Over a lifetime (ages 65–85), Premier Care costs approximately $71,064 more than Preferred Care. For clients who value non-panel access, home nursing after surgery, or 365-day TCM coverage, the step-up pays for itself in even a few recovery episodes. For clients happy with panel doctors, Preferred Care delivers full value at a lower price.
The migration analysis and Premier Care section cover private-tier riders. Those figures are based on PruExtra Premier Care and Preferred Care, which are not available on government-tier plans.
⭐ Switch Verdict
This tab is a retirement-funding argument, so the range is restricted to ANB
55 and above through to 99. Other combinations are disabled while this tab is open.
Fund Your Healthcare Premiums at Retirement with PruVantage Assure (PVA 2)
Private healthcare premiums at ages 65–85 are significant and predictable. PruVantage Assure (PVA 2) lets you invest a fixed monthly amount now, grow it at 8% projected returns, and have the fund ready to pay your Integrated Shield premiums during retirement.
What Private Coverage Actually Costs at Retirement (Ages 65–85)
Preferred Care (65–85)
$176,175
PruShield Premier + Preferred Care
Premier Care (65–85)
$247,239
PruShield Premier + Premier Care
Preferred CoPay (65–85)
$234,538
PruShield Premier + Preferred CoPay
Premier 100% (65–85)
$381,950
PruShield Premier + Premier 100%
Medisave only covers a fraction. The Medisave withdrawal limit for Integrated Shield Plans is capped near the MediShield Life premium — typically $600–$1,300/year. At age 75, your annual shield + rider premium could be $15,000–$25,000. That gap — often $13,000–$24,000 every year — must come from savings. Without a plan, many clients quietly let riders lapse in their 70s, losing the private coverage they spent decades building.
PruVantage Assure (PVA 2) — Monthly Investment Required by Age Group
Monthly PVA 2 Premium Needed to Fund Each Plan by Age 65
Two return scenarios shown: 8% illustrated returns (non-guaranteed) and 6% conservative estimate. Only payment terms completing before age 65 shown. ★ = minimum PVA 2 premium already funds the target — client pays the minimum and over-funds. Min premiums: 5-pay $834/mth · 10-pay $417/mth · 15-pay $350/mth · 20-pay $200/mth · 25-pay $150/mth.
Age
Pay Term
Min Prem
Yrs to 65
Preferred Care — $176,175
Premier Care — $247,239
Premier 100% — $381,950
8% returns
6% (conservative)
8% returns
6% (conservative)
8% returns
6% (conservative)
Age 25
5-pay
$834/mth
40 yrs
$834 ★
$834 ★
$834 ★
$834 ★
★
★
10-pay
$417/mth
40 yrs
$417 ★
$417 ★
$417 ★
$417 ★
★
★
15-pay
$350/mth
40 yrs
$350 ★
$350 ★
$350 ★
$350 ★
★
★
20-pay
$200/mth
40 yrs
$200 ★
$200 ★
$200 ★
$200 ★
★
$258
25-pay
$150/mth
40 yrs
$150 ★
$150 ★
$150 ★
$150 ★
★
$230
Age 30
5-pay
$834/mth
35 yrs
$834 ★
$834 ★
$834 ★
$834 ★
★
$954
10-pay
$417/mth
35 yrs
$417 ★
$417 ★
$417 ★
$417 ★
★
$544
15-pay
$350/mth
35 yrs
$350 ★
$350 ★
$350 ★
$350 ★
★
$410
20-pay
$200/mth
35 yrs
$200 ★
$200 ★
$200 ★
$221
$205
$345
25-pay
$150/mth
35 yrs
$150 ★
$150 ★
$150 ★
$201
$187
$308
Age 35
5-pay
$834/mth
30 yrs
$834 ★
$834 ★
$834 ★
$973
★
$1,276
10-pay
$417/mth
30 yrs
$417 ★
$417 ★
$417 ★
$471
$448
$727
15-pay
$350/mth
30 yrs
$350 ★
$350 ★
$350 ★
$350 ★
★
$549
20-pay
$200/mth
30 yrs
$200 ★
$217
$200 ★
$305
$301
$462
25-pay
$150/mth
30 yrs
$150 ★
$198
$183
$277
$274
$412
Age 40
5-pay
$834/mth
25 yrs
$834 ★
$958
$858
$1,345
$1,116
$1,707
10-pay
$417/mth
25 yrs
$417 ★
$464
$433
$651
$659
$973
15-pay
$350/mth
25 yrs
$350 ★
$350 ★
$350 ★
$481
$512
$734
20-pay
$200/mth
25 yrs
$214
$301
$300
$422
$442
$618
Age 45
5-pay
$834/mth
20 yrs
$934
$1,325
$1,311
$1,860
$1,639
$2,285
10-pay
$417/mth
20 yrs
$471
$642
$661
$900
$968
$1,302
15-pay
$350/mth
20 yrs
$361
$474
$506
$666
$752
$982
Age 50
5-pay
$834/mth
15 yrs
$1,219
$1,566
$1,710
$2,197
$2,408
$3,057
10-pay
$417/mth
15 yrs
$720
$887
$1,010
$1,245
$1,421
$1,742
Age 55
5-pay
$834/mth
10 yrs
$1,861
$2,165
$2,612
$3,039
$3,538
$4,091
★ = minimum PVA 2 premium already grows to a fund exceeding the target by age 65 — excess funds co-payments, deductibles, and other retirement healthcare costs. Pay terms excluded if they would extend to or beyond age 65 (e.g., age 40 + 25-pay = 65 is excluded). 8% is the illustrated investment return (non-guaranteed); 6% is a more conservative projection for prudent planning. Actual returns will vary.
How to read this table: Find your client's current age row. Shorter pay terms (5-pay, 10-pay) mean the client completes payments earlier — useful for clients who prefer to "clear" the policy before major life events. For most clients aged 35–45, any pay term at minimum premium already comfortably funds Preferred Care or Premier Care. Clients aged 50–55 face meaningfully higher monthly premiums to achieve the same goal, underscoring the advantage of starting early.
5 Reasons to Plan for Retirement Healthcare Funding Now
1
Self-Reliance — Control Your Own Medical Choices
Without sufficient savings, the decision of which hospital, which specialist, and which ward to choose isn't yours to make — it's your bank account's decision. A client with a funded retirement healthcare portfolio can choose any private hospital, any specialist, and a single-bedded room without anxiety. Singapore's private hospitals — Mount Elizabeth, Gleneagles, Parkway East, Thomson — offer faster specialist access, shorter wait times, and a care environment designed for recovery and comfort.
2
Premium Inflation Is Real — Shield Premiums Will Keep Rising
Shield and rider premiums increase significantly with age. A client paying modest annual premiums at 65 will face premiums 3–4× higher by 85. If retirement income doesn't grow in parallel, premiums consume an ever-growing share of monthly cash flow. An investment vehicle like PVA 2 — growing at a projected 8% annually — is one of the few assets that can outpace premium escalation.
3
CPF Life Alone Is Not Enough
The CPF Life Full Retirement Sum payout from age 65 is approximately $1,470–$2,000/month. If the combined shield + rider annual premium at 75 is $15,000–$25,000, CPF Life payouts barely cover healthcare — leaving nothing for food, transport, family, and leisure. CPF Life is a floor — not a ceiling. PVA 2 built over working years is the supplement that lets retirement actually feel like retirement.
4
A Lapsed Rider Cannot Be Reinstated at 75
Once a rider lapses due to non-payment, reinstatement at advanced age is subject to full medical underwriting — exclusions and loadings make re-entry near-impossible. Many clients quietly downgrade or surrender their riders in their 70s when premiums surge and cash becomes tight. The Disability Premium Waiver on Prudential's Care riders provides an extra protection layer — if the client becomes TPD before 70, premiums are waived for 36 months. But beyond that, the only way to guarantee the rider stays intact through 65–85 is to have invested deliberately for it.
5
Protect Your Family From Becoming Your Healthcare Fund
In Singapore's family culture, children often feel deep obligation to support ageing parents financially. Without retirement healthcare funding, a major illness at 70 or 80 doesn't just affect you — it creates enormous financial and emotional pressure on adult children who may be raising families and servicing mortgages. The single most loving financial decision a Singaporean parent can make is to fund their own old-age healthcare. The cost of a PVA 2 plan today is far smaller than the cost of dependency later.
Plan Your Retirement Healthcare Now, While You're Still Working — Or It Won't Be There When You Need It
Private healthcare at retirement is a planned asset. The best shield plan and rider won't matter if the client can't afford to keep paying for them at 78. Clients who retire with full private coverage intact are the ones who made a deliberate decision years earlier to invest — and to treat future healthcare premiums as a non-negotiable budget line.
PruVantage Assure (PVA 2) gives clients a disciplined, structured vehicle for doing exactly this. At 8% illustrated returns, a well-timed PVA 2 plan doesn't just fund premiums — it grows beyond the target, leaving capital reserves for co-payments, specialist fees, and other retirement healthcare costs a shield plan alone doesn't cover.
Disclaimer: PruVantage Assure (PVA 2) projected values are based on an 8% illustrated investment return and are non-guaranteed. Actual returns will vary depending on the performance of underlying funds and market conditions. Past performance is not indicative of future results. All illustrations are for educational reference only and do not constitute financial advice. Refer to the product summary and benefit illustration for full terms and conditions.
This tab models the cost of private hospital coverage at retirement. The figures and the PruVantage Assure funding tables are based on private-tier premiums. Select the private tier to view them.
Premium rate tables
Every figure in the first four tabs is summed from these annual rates, one policy year at a time. Loaded from your April 2026 workbook: ANB 1 to 100 for all 15 main plans and 39 riders across both tiers.
How a row reads.main,pru_private,PruShield Premier,66,66,3856 means the
Prudential private main plan costs $3,856 in the year the client turns 66. Bands cover several ages at
one price (65,69); a single age uses the same number twice. Rider rows carry the rider name,
plus gen for old or current riders (pre / post). Premiums are the additional private insurance
component, excluding MediShield Life — the convention your workbook uses.
Data coverage for ANB
A plan only enters the charts when it is priced for every year in the range, so a gap never turns into a quietly understated total.
Plan
Type
Years priced
Status
Missing ANB
Three things worth knowing about the figures.
Ages are ANB throughout, matching your workbook, and the Additional Withdrawal Limit is
read straight from its column C rather than re-derived.
Medisave is capped at the lower of the AWL and the actual premium, so a young life whose premium falls
under the limit shows zero cash outlay rather than a negative one.
Rider premiums are counted as cash in full, since riders cannot be paid from Medisave.