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 Income has withdrawn the existing 4 riders as of 1 March 2019.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 IncomeShield Standard Plan 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 $150,000.
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Get coverage that extends to hospitalisation at restructured hospital for ward class B1 and below.
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Get medical reimbursements for eligible inpatient[1] hospital treatments such as surgical procedures, surgical implants and intensive care unit expenses.
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Get medical reimbursements for eligible outpatient[1] hospital expenses such as chemotherapy and radiotherapy for cancer, renal dialysis and drugs approved under MediShield Life for chronic renal failure or organ transplant.
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Enjoy higher limits of compensation for your hospital expenses[1]
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Waive hospital deposits with a Letter of Guarantee[2].
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 IncomeShield Standard Plan premiums (main plan only).
View full premium table (Singapore Citizen or Permanent Resident)
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View full premium table (Deluxe Care Rider)
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Eligibility and payment frequency
There is no maximum entry age limit for IncomeShield Standard Plan.
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 IncomeShield Standard plan.
You need to make payment every year.
View the Yearly Premium Rates for insured person who is a Singapore Citizen or Permanent Resident
View the Yearly Premium Rates for insured person who is a Foreigner
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Policy conditions
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Footnotes
- Subject to precise terms, conditions and exclusions specified in the policy contract for IncomeShield Standard Plan and riders.
- Subject to individual hospital guidelines. Other terms and conditions apply.
- 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.
- 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
IncomeShield Standard Plan 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), IncomeShield Standard Plan 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 13 April 2023.
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