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.
- 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 can be anytime between 12 Nov 2022 and 31 Mar 2023 (both dates inclusive, based on application submission date).
* 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.
Please refer to the flyer for more details.
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.
Points to consider before migration
Benefit cover before and after migration
General exclusions difference
Underwriting requirements upon migration
Any new exclusions and/or loading that may apply after migration
Migration Period (application submission dates)
From 12 Nov 2022 – 31 Mar 2023
Difference in the benefit cover of the Designated Plans and VHIS plans
Please refer to the below on a simple summary of the benefit cover of the Designated Plans and VHIS plans.
How we migrate your plan
You may apply to migrate your Designaed Plan(s) at any time during the Migration Period.
Applicable to PRUHealth VHIS VIP Plan
Applicable to 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.