How to migrate?

If you have any existing designated plans (as specified below) with us, you can either take out any VHIS plans we have launched in addition to your current cover or migrate your existing medical plan to one of these VHIS plans within the migration offer period. This is subject to the underwriting result of your migration application.

Designated Plans

   PRUhealth medical plus

  PRUmed better care plan

  PRUhealth secure top-up plan

  PRUmed care plan

  PRUmed health care plan

  PRUmed lifelong care plan

  PRUmyhealth prestige medical plan

  PRUparent medical care plan

VHIS Plans

Notes:

  • To migrate to PRUHealth FlexiChoice Medical Plan and PRUHealth CoreChoice Medical Plan, the designated plan needs to have an effective date that is on or before 1 Jan 2022
  • To migrate to PRUHealth VHIS VIP Plan, the designated plan needs to have an effective date that is on or before 30 June 2021.
  • Migration offer period is subject to the requirements set out by us from time to time.

 

* PRUHealth FlexiChoice Medical Plan is available for migration as a rider only.

  • Stay protected for your currently covered conditions1

    You can migrate to a VHIS plan while keeping your hospital cover for existing injuries or illnesses1 that we already cover under your Original Medical Plan.

     

  • No need to go through the waiting periods that you’ve already completed under your Original Medical Plan

    The waiting period under your VHIS plan for unknown pre-existing conditions and specified pregnancy complications (if applicable) will be counted from your Original Medical Plan.

     

  • Carry your no-claim record from your Original Medical Plan to the new VHIS plan

    If you have a PRUmed lifelong care plan, you can carry your no-claim record from your Original Medical Plan when you migrate to PRUHealth FlexiChoice Medical Plan. Your no-claim record will be used to determine your eligibility for No Claim Discount under PRUHealth FlexiChoice Medical Plan.

     

Plans vary widely in the scope and level of coverage they offer, so we recommend you check that you are getting the cover you need and a policy that best fits your situation.

1 This is subject to the underwriting result of your migration application, whether to accept it on standard terms, accept it with premium loading and/or exclusions, or reject it. The currently covered conditions may possibly be excluded in the VHIS Plan.

  • Benefit cover before and after migration

  • Premium difference

  • General exclusions difference

  • Underwriting requirements upon migration

  • Any new exclusions and/or loading that may apply after migration

Migration offer period is subject to the requirements set out by us from time to time.

You may apply to migrate your Designaed Plan(s) at any time during the Migration Period.

Applicable to PRUHealth VHIS VIP Plan

PRUHealth VHIS VIP Plan

Applicable to PRUHealth FlexiChoice Medical Plan and PRUHealth CoreChoice Medical Plan

PRUHealth FlexiChoice Medical Plan and PRUHealth CoreChoice Medical Plan

Note: In general, we offer simplified underwriting for migration to PRUHealth Core Choice Medical Plan or PRUHealth FlexiChoice Medical Plan.  However, if you would like to upgrade the ward level, add or select a higher limit of PRUHealth Major, or lower your deductible or migrate from an existing plan with deductible / coinsurance arrangement, you will need to undergo full underwriting. If your migration application is rejected, postponed or you do not want to proceed with the migration due to the underwriting result, you will stay insured in your existing plan. Please consult your consultant for details.