The Ministry of Health (MOH) has announced changes to the Integrated Shield Plan (IP) riders on 7 March 2018 and all IP insurers are to incorporate co-payment features in new IP riders. Income has withdrawn the existing 4 riders as of 1 March 2019. You can read more about the changes and the details of the Plus Rider, Assist Rider, Daily Cash Rider and Child Illness Rider here.
Here’s how Enhanced IncomeShield complements your MediShield Life coverage.
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Increase your policy's yearly claimable amount from $100,000 (with MediShield Life) to up to $1,500,000.
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Enjoy as-charged coverage for eligible inpatient[1] and outpatient[1] hospital treatment expenses.
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Choice to upgrade your ward entitlement up to a private hospital with 1-bedded room (generally felt to be more comfortable)
Enjoy these additional benefits.
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Reimburse pre- and post-hospitalisation expenses[1],[2] incurred for eligible medical treatments up to 100 days before and after hospitalisation.
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Reimburse treatment expenses[2] incurred up to 180 days before and 365 days after hospitalisation if the inpatient hospital treatment is provided by our panel[3] and paid for under the Enhanced IncomeShield Preferred plan.
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Reimburse for emergency inpatient hospital treatment expenses[1] while overseas.
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Waive hospital deposits with a Letter of Guarantee[4].
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Access to a panel[3] of private medical specialists for your medical care.
Pick the plan that meets your needs. test 12/5
Preferred
Ward entitlement: Standard room in private hospital or private medical institution.
Policy year limit: $1,500,000
Advantage
Ward entitlement: Restructured hospital for ward class A and below.
Policy year limit: $500,000
Basic
Ward entitlement: Restructured hospital for ward class B1 and below.
Policy year limit: $250,000
Need more protection?
Enhance your coverage with riders.
Deluxe Care Rider 14-03-2023
Classic Care Rider 14-03-2023
How much you need to pay.
You can use your MediSave to pay for your Enhanced IncomeShield premiums (main plan only), up to certain withdrawal limits.
View full premium table (Singaporean Citizen or Permanent Resident)
View full premium table (Foreigner)
View full premium table for Deluxe Care Rider
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Eligibility and payment frequency
To apply or upgrade to Enhanced IncomeShield, the last entry age is 75 (based on the insured's age next birthday).
To apply for Deluxe Care Rider or Classic Care Rider, the last entry age is 75 (based on the insured's age next birthday). The plan selected for the Deluxe Care Rider or Classic Care Rider must be the same as your Enhanced IncomeShield plan.
You need to make payment every year.
View the Yearly Premium Rates for insured person who is Singapore Citizen or Permanent Resident
View the Yearly Premium Rates for insured person who is a Foreigner
Brochures
Policy conditions
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Footnotes
- Subject to precise terms, conditions and exclusions specified in the policy contract for Enhanced IncomeShield and riders.
- Pre-hospitalisation and post-hospitalisation treatment are not covered for treatment given before or after inpatient psychiatric treatment benefit accident inpatient dental treatment, emergency overseas treatment or stay in a short-stay ward. Pre-hospitalisation and post-hospitalisation treatment are also not payable if the inpatient hospital treatment received during the stay in hospital are not payable.
- Panel means a registered medical practitioner, specialist, hospital or medical institution who is on Income’s approved list which can be found here. Our approved list of panel also includes all government restructured hospitals, government specialist centres, government community hospitals and voluntary welfare organisations (VWO) dialysis centres. This approved list may be updated from time to time.
- Subject to individual hospital guidelines. Other terms and conditions apply.
- We may apply an additional non-panel payment to the Deluxe Care Rider at the renewal date by giving you at least 30 days’ notice. For more details, please refer to the policy document.
- The insured child must be aged 18 years or below during the stay in the hospital under the insured child’s policy.
Exclusions
There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.
Important Notes
Enhanced IncomeShield is available as a MediSave-approved Integrated Shield Plan for insured who is a Singapore Citizen or a Singapore Permanent Resident. This applies as long as the insured meets the eligibility conditions under MediShield Life. If the insured is a foreigner who has an eligible valid pass with a foreign identification number (FIN), Enhanced IncomeShield is not available as an Integrated Shield Plan.
This is for general information only. You can find the usual terms and conditions of this plan in the policy conditions. All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want. If you find that this plan is not suitable after purchasing it, you may terminate it within the free-look period, and obtain a refund of premiums paid.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
Information is correct as of 23 July 2019.
Information is correct as of 28 August 2023.
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