Get Quotes from Prudential Singapore
Comprehensive Life, Health & Investment Coverage from a Trusted Global Insurer
⭐ Overall Rating: 4.4/5
Prudential Singapore, a subsidiary of the global Prudential plc, is one of the most recognized insurers in the country, offering a wide range of life, health, savings, and investment-linked insurance plans. With strong financial backing, innovative digital tools, and a customer-first approach, Prudential is a go-to choice for Singaporeans seeking long-term protection and wealth planning.
✅ Pros
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Trusted Global Brand: Over 175 years of global insurance expertise and one of the largest life insurers in Singapore.
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Wide Product Range: Offers term life, whole life, critical illness, savings, investment-linked policies (ILPs), and retirement income plans.
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PRUShield Integrated Shield Plan: Popular MediShield Life supplement for private hospital coverage with comprehensive medical benefits.
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Innovative Wellness Programs: Includes apps like Pulse by Prudential, offering AI-driven health tools, telemedicine, and fitness tracking.
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Customizable Riders: Add-ons for hospital cash, premium waivers, early critical illness, and more to tailor policies.
❌ Cons
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Premiums Can Be High: Especially for whole life, ILPs, and high-tier medical plans with private hospital access.
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Complex Policy Structure: Investment-linked and hybrid plans may require careful financial planning or advice.
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Long-Term Commitment: Many plans require multi-decade commitments for optimal benefits or returns.
💰 Pricing
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Term Life Insurance: Starts at around SGD $20–$30/month for basic coverage depending on age and sum assured.
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PRUShield Plus (Private Hospital Add-on): From SGD $300/year (excluding MediShield Life base premium).
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Investment-Linked Plans: Entry-level premiums from SGD $200/month, with flexible contribution options.
Prices vary based on age, health status, lifestyle, and policy type. Financial advisory is typically recommended.
🏆 Final Verdict
Prudential Singapore stands out as a top-tier insurer with a solid reputation, comprehensive product offerings, and modern digital engagement tools. While premiums may be on the higher side, the breadth of protection, legacy planning options, and medical coverage make it a top pick for families, professionals, and those planning for the long term.
