Frequently Asked Questions

MHS - Outpatient Plan

General

    • Q: After the conversion to MHS-Outpatient plan, can I convert back to existing MHS plan or request for a change of plan type under the MHS-Outpatient plan? A: Please consider your needs carefully before you decide to convert to MHS-Outpatient plan. Once you have converted to MHS-Outpatient plan, you cannot convert back to your existing MHS plan.  Changing of plan type under the MHS-Outpatient plan, e.g. from MHS-Outpatient Plan A to MHS-Outpatient Plan B, is not allowed as well.
       
    • Q: What is MHS-Outpatient plan? A: MHS-Outpatient is a plan that provides coverage for outpatient medical treatments (Primary Care, Specialist Care and Emergency Treatment benefits). It does not provide inpatient hospital care benefit. As such, the premium is lower compared to the existing MHS cover which provides both inpatient and outpatient benefits.
    • Q: Why does Income offer this plan? A: With the launch of MediShield Life by Ministry of Health/CPF Board by end of year 2015, all Singapore Citizens and Permanent Residents will be automatically insured under MediShield Life. To avoid possible overlap of inpatient cover under MediShield Life, we are offering our existing MHS policyholders the option to convert to a new MHS-Outpatient plan.
    • Q: How do I convert to MHS-Outpatient plan? A: Please complete the enclosed MHS-Outpatient Plan Option form and send it back to us within the stated time. Upon receipt of the form, we will convert your existing MHS cover to the corresponding MHS-Outpatient plan type, e.g. MHS Plan A to MHS-Outpatient Plan A. If we do not receive the MHS-Outpatient Plan Option form within the stated time, your MHS policy will be renewed based on your existing cover.
    • Q: If I convert to MHS-Outpatient plan, when will my new cover take effect? A: The new MHS-Outpatient cover will take effect from the upcoming renewal date if we receive your completed MHS-Outpatient Plan Option form within the timeline indicated in your letter. You will receive a new set of policy document once we accepted your application to convert your plan.
    • Q: Will my claim utilisation under my existing MHS plan affect my lifetime limit and policy year limit after I convert to MHS-Outpatient plan? A:

      Your outpatient claim utilisation amount under your existing MHS policy will be used to determine the balance lifetime limit of your MHS-Outpatient plan. We will less off the amount incurred for outpatient claims up to the renewal date to derive the balance lifetime limit you have under  MHS-Outpatient plan.

      You will only enjoy the full policy year limit (as stated under point 4 above) for the new policy year if this limit is within your balance lifetime limit of your MHS-Outpatient plan. Otherwise, your policy year limit will be reduced to be the same as your balance lifetime limit. 

      Example 1
      MHS-Outpatient Cover : Plan A
      Limit per policy year:  $60,000
      Limit per lifetime: $180,000
      Claims utilisation under existing MHS policy: $20,000 (Outpatient) + $10,000 (Inpatient)

      After you convert to MHS-Outpatient plan on renewal, your lifetime limit will be $160,000
      ($180,000 - $20,000) and your policy year limit will be $60,000 for the new policy year.

      Example 2
      MHS-Outpatient Cover : Plan A
      Limit per policy year:  $60,000
      Limit per lifetime: $180,000
      Claims utilisation under existing MHS policy: $140,000 (Outpatient) + $10,000 (Inpatient)

      After you convert to MHS-Outpatient plan on renewal, your lifetime limit will be $40,000 ($180,000 - $140,000). As the balance of your lifetime limit is below the policy year limit of  MHS-Outpatient Plan A ($60,000), your policy year limit will be reduced to be the same as your lifetime limit, $40,000 for the new policy year.
       

    • Q: What are the benefits provided by MHS-Outpatient plan? A:

      The benefits of MHS-Outpatient plan are the same as those covered under the existing MHS policy under (A) Primary Care, (B) Specialist Care and (C) Emergency Treatment benefit. However, MHS-Outpatient plan does not provide (D) Hospital Care benefit.
       

      Benefits: Limits of compensation
      (A) Primary care benefit Consultation, prescribed medication, basic diagnostic tests, x-rays and procedures
      Panel doctor $5 co-payment per visit
      Non-panel doctor Reimburse up to $10 per visit, subject to maximum 3 visits per policy year
      Specialised investigations Co-payment of 10%
      (B) Specialist care benefit Consultation, prescribed medication, basic diagnostic tests, x-rays and procedures referred by our panel doctor only, up to $500 per policy year.
      SOC at restructured hospitals $15 co-payment per visit
      Panel private specialist $15 co-payment per visit, reimburse up to $100 per visit
      Specialised investigations Co-payment of 10%
      C) Emergency treatment benefit (for Singapore hospitals and clinics only)  
      Restructured hospitals $10 co-payment per visit
      Private hospitals and clinics $10 co-payment per visit, reimburse up to $70 per visit

      The key features of the MHS-Outpatient plan are re-produced below for your easy reference. Please refer to the policy contract for the precise terms, conditions and exclusions of the plan.

    • Q: What are the policy year limit and lifetime limit of MHS-Outpatient plan? A:

      The policy year limit and lifetime limit of MHS-Outpatient plan are as follows:

      Plan MHS-Outpatient
      Plan A
      MHS-Outpatient
      Plan B1
      MHS-Outpatient
      Plan B2
      Limit per policy year $60,000 $45,000 $15,000
      Limit per lifetime $180,000 $135,000 $52,500

      Based on past claim experiences of MHS, the average proportion of outpatient claims is 75% of the total claims. In view of this, the policy year limit and lifetime limit of the MHS-Outpatient plan have been revised accordingly.

    • Q: If I have further queries on MHS-Outpatient plan, who can I contact? A: You may consult your insurance adviser for further advice if you have one. Alternatively, you may call our Healthcare Hotline at 6332 1133.
    • Q: What are the premium rates for MHS-Outpatient plan? A:

      Please refer to your corresponding MHS-Outpatient plan type in the table below for the annual premium rates.

      Plan
      Type
      Annual premium rates ($)
      MHS-Outpatient MHS-Outpatient MHS-Outpatient
      Plan A Plan B1 Plan B2
      Age next birthday
      (years)
      Male Female Male Female Male Female
      1-6 546 458 428 418 328 299
      7-20 289 279 259 219 179 169
      21-30 349 438 309 359 200 249
      31-40 448 597 399 517 240 349
      41-50 717 895 587 756 369 458
      51-55 1,094 1,143 825 964 448 558
      56-60 1,293 1,243 994 1,034 546 597
      61-65 1,491 1,342 1,143 1,134 597 646
      66-70 1,739 1,471 1,312 1,243 746 717
      71-75 2,037 1,789 1,630 1,392 895 795
      76-80 3,061 2,683 2,445 1,948 1,212 1,034

      Premium rates are non-guaranteed and may be reviewed from time to time.

    • Q: Is underwriting required for converting to my corresponding MHS-Outpatient plan stated in the enclosed MHS-Outpatient Plan Option form? A: No, underwriting is not required.
    • Q: Will I be covered for an operation under MHS-Outpatient plan? A: No, any type of operation, regardless whether an overnight stay is required in the hospital, is not covered under the MHS-Outpatient plan.

Change of Administrator (2016)