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Plan migration

Migration from an existing medical plan to VHIS plan

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Migrate to a VHIS plan to enjoy up to 6 months’ premium refund 

Terms and condition apply
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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

 
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 Apr 2019
  • To migrate to PRUHealth VHIS VIP Plan, the designated plan needs to have an effective date that is on or before 3 Sep 2020.
  • Migration offer period can be anytime between 3 Sep 2020 and 31 Dec 2021 (both dates inclusive, based on application submission date).

Migration arrangement
  • 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

  • Premium difference

  • General exclusions difference

  • Underwriting requirements upon migration

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

Migration Period (application submission dates)

From now – 31 Dec 2021

Difference in 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

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.