Enhanced IncomeShield

Enhanced IncomeShield

A medical insurance plan that covers hospital and surgical expenses and can be paid with your Medisave account.

Coverage for Enhanced IncomeShield

Benefits MediShield Life Full benefit features
Enhanced IncomeShield
(Payout includes MediShield Life payout)
Preferred Advantage Basic Enhanced C
Ward entitlement Standard room in private hospital or private medical institution Restructured hospital
for ward class A and
below
Restructured hospital
for ward class B1 and
below
Restructured hospital for ward class B2 and below
Inpatient hospital treatment Limits of compensation
Room, board and medical-related services[1] $700 (each day) As charged As charged As charged As charged
Intensive care unit (ICU) and medical-related services[1] $1,200 (each day) As charged As charged As charged As charged
Surgical benefits (including day surgery)
Surgical limits table – limits for various categories of surgery, as classified by the Ministry of Health in its latest surgical operation fees table
- Table 1 (less complex procedures)
- Table 2
- Table 3
- Table 4
- Table 5
- Table 6
- Table 7 (more complex procedures)





$200
$480
$900
$1,150
$1,400
$1,850
$2,000
As charged As charged As charged As charged
Organ transplant benefit
(including stem-cell transplant)
Covered under inpatient hospital treatment As charged As charged As charged As charged

Surgical implants[2]

$7,000
(each treatment)
As charged As charged As charged As charged
Gamma knife and novalis radiosurgery $4,800
(each procedure)
As charged As charged As charged As charged
Accident inpatient dental treatment Covered under
inpatient hospital
treatment
As charged As charged As charged As charged
Pre-hospitalisation treatment[3] (up to 90 days before admission) Not covered As charged As charged As charged As charged
Post-hospitalisation treatment[3] (up to 90 days after discharge) Not covered As charged As charged As charged As charged
Staying in a community hospital[1],[4] $350 (each day) As charged
(up to 90 days for each admission)
As charged
(up to 90 days for each admission)
As charged
(up to 90 days for each admission)
As charged
(up to 45 days for each admission)
Outpatient hospital treatment Limits of compensation
Stereotactic radiotherapy for cancer $1,800
(each session)
As charged As charged As charged As charged
Radiotherapy for cancer
- External or superficial
- Brachytherapy with or without external

$140 (each session)
$500 (each session)
As charged As charged As charged As charged
Chemotherapy for cancer $3,000
(each month)
As charged As charged As charged As charged
Immunotherapy for cancer Not covered As charged As charged As charged As charged
Renal dialysis $1,000
(each month)
As charged As charged As charged As charged
Erythropoietin and other drugs approved under MediShield Life for chronic renal failure $200
(each month)
As charged As charged As charged As charged
Cyclosporin or tacrolimus and other drugs approved under MediShield Life for organ transplant $200
(each month)
As charged As charged As charged As charged
Special benefits Limits on special benefits
Breast reconstruction after mastectomy[5] Covered under inpatient hospital treatment As charged As charged As charged As charged
Congenital abnormalities benefit Covered under inpatient hospital treatment As charged (with 12
months’ waiting period)
As charged (with 12
months’ waiting period)
As charged (with 12
months’ waiting period)
Covered up to MediShield Life benefits only
Pregnancy complications benefit Covered under inpatient hospital treatment As charged[6] (with 10 months’ waiting period) As charged[6] (with 10 months’ waiting period) As charged[6] (with 10 months’ waiting period) Covered up to MediShield Life benefits only
Living organ donor (insured) transplant benefit - insured as the living donor donating an organ Covered under inpatient hospital treatment As charged, up to $60,000 (each
transplant with 24 months’ waiting period for the person receiving the organ)
As charged, up to $40,000 (each transplant with 24 months’ waiting period for the person receiving the organ) As charged, up to $20,000 (each transplant with 24 months’ waiting period for the person receiving the organ) Covered up to MediShield Life benefits only
Living organ donor (non-insured) transplant benefit (each transplant)
- insured as the recipient of organ
Covered under inpatient hospital treatment As charged, up to $60,000 Covered up to MediShield Life benefits only Covered up to MediShield Life benefits only Covered up to MediShield Life benefits only
Inpatient psychiatric treatment benefit $100 (each day, up to 35 days for each policy year) As charged, up to $7,000 (each policy year) As charged, up to $7,000 (each policy year) As charged, up to $5,000 (each policy year) As charged, up to $5,000 (each policy year)
Prosthesis benefit
(each policy year)
Covered under surgical implants As charged, up to $10,000 As charged, up to $6,000 As charged, up to $6,000 As charged, up to $3,000
Emergency overseas treatment Not covered As charged but limited to costs of Singapore private hospitals As charged but limited
to costs of ward class A in Singapore restructured hospitals
As charged but limited to costs of ward class B1 in Singapore restructured
hospitals
As charged but limited to costs of ward class B2 in Singapore restructured hospitals
Final expenses benefit[7] Not covered $5,000 $5,000 $3,000 $1,500
Limit in each policy year $100,000 $1,000,000 $500,000 $250,000 $150,000
Limit in each lifetime Unlimited Unlimited Unlimited Unlimited Unlimited
Last entry age (age next birthday) Does not apply 75 75 75 75
Maximum coverage age Lifetime Lifetime Lifetime Lifetime Lifetime
Pro-ration factor[8] SG PR SG/PR/FR SG/PR/FR SG/PR/FR[9] SG/PR/FR[9]
Inpatient
- Restructured hospital
 - Ward class C 100% 44% Does not apply Does not apply Does not apply Does not apply
 - Ward class B2 100% 58% Does not apply Does not apply Does not apply Does not apply
 - Ward class B2+ 70% 47% Does not apply Does not apply Does not apply Does not apply
 - Ward class B1 43% 38% Does not apply Does not apply Does not apply 40%
 - Ward class A 35% 35% Does not apply Does not apply 85% 20%
- Private hospital or private medical
institution or emergency overseas
treatment[10]
35% 35% Does not apply 65% 50% 15%
- Community hospital
 - Ward class C, B2 or B2+ 100% 50% Does not apply Does not apply Does not apply Does not apply
 - Ward class B1 50% 50% Does not apply Does not apply Does not apply 40%
 - Ward class A 50% 50% Does not apply Does not apply 85% 20%
Day surgery or short-stay ward
- Restructured hospital subsidised 100% 58% Does not apply Does not apply Does not apply Does not apply
- Restructured hospital non-subsidised 35% 35% Does not apply Does not apply Does not apply 20%
- Private hospital or private medical
institution or emergency overseas treatment[10]
35% 35% Does not apply 65% 50% 15%
Outpatient hospital treatment
- Restructured hospital subsidised 100% 67% Does not apply Does not apply Does not apply Does not apply
- Restructured hospital non-subsidised[11] 50% 50% Does not apply Does not apply Does not apply Does not apply
- Private hospital or private medical institution[11] 50% 50% Does not apply 65% 50% 15%
Deductible for each policy year for an insured aged 80 years or below next birthday[12]
Inpatient
- Restructured hospital
  - Ward class C $1,500 $1,500 $1,500 $1,500 $1,500
  - Ward class B2 or B2+ $2,000 $2,000 $2,000 $2,000 $2,000
  - Ward class B1 $2,000 $2,500 $2,500 $2,500 $2,000
  - Ward class A $2,000 $3,500 $3,500 $2,500 $2,000
- Private hospital or private medical institution or emergency overseas treatment[10] $2,000 $3,500 $3,500 $2,500 $2,000
- Community hospital
- Ward class C $1,500 $1,500 $1,500 $1,500 $1,500
- Ward class B2 or B2+ $2,000 $2,000 $2,000 $2,000 $2,000
- Ward class B1 $2,000 $2,500 $2,500 $2,500 $2,000
- Ward class A $2,000 $3,500 $3,500 $2,500 $2,000
Day surgery or short-stay ward
- Subsidised $1,500 $2,000 $2,000 $2,000 $2,000
- Non-subsidised $1,500 $3,500 $3,500 $2,500 $2,000
Deductible for each policy year for an insured aged over 80 years at next birthday[12]
Inpatient
- Restructured hospital
- Ward class C $2,000 $2,250 $2,250 $2,250 $2,250
- Ward class B2 or B2+ $3,000 $3,000 $3,000 $3,000 $3,000
- Ward class B1 $3,000 $3,750 $3,750 $3,750 $3,000
- Ward class A $3,000 $5,250 $5,250 $3,750 $3,000
- Private hospital or private medical institution or emergency overseas treatment[10] $3,000 $5,250 $5,250 $3,750 $3,000
- Community hospital
- Ward class C $2,000 $2,250 $2,250 $2,250 $2,250
- Ward class B2 or B2+ $3,000 $3,000 $3,000 $3,000 $3,000
- Ward class B1 $3,000 $3,750 $3,750 $3,750 $3,000
- Ward class A $3,000 $5,250 $5,250 $3,750 $3,000
Day surgery or short-stay ward
- Subsidised $3,000 $3,000 $3,000 $3,000 $3,000
- Non-subsidised $3,000 $5,250 $5,250 $3,750 $3,000
Co-insurance
Inpatient hospital treatment
Claimable amount[13]:
$0 - $3,000 10% 10% 10% 10% 10%
$3,001 - $5,000 10% 10% 10% 10% 10%
$5,001 - $10,000 5% 10% 10% 10% 10%
Above $10,000 3% 10% 10% 10% 10%
Outpatient hospital treatment 10% 10% 10% 10% 10%

SG: Singapore Citizen PR: Singapore Permanent Resident FR: Foreigner

"As charged" means we will reimburse you the eligible hospitalisation cost you have incurred, subject to deductible, co-insurance, admission of ward class, benefit limits and any other policy terms (including exclusions). 

Important Notes
  1. Includes meals, prescriptions, medical consultations, miscellaneous medical charges, specialist consultations, examinations, and laboratory tests. Room, board and medical-related services include being admitted to a high-dependency ward.
  2. Includes charges for the following approved medical items:
    - Intravascular electrodes used for electrophysiological procedures
    - Percutaneous transluminal coronary angioplasty (PTCA) balloons
    - Intra-aortic balloons (or balloon catheters).
  3. 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.
  4. To claim for staying in a community hospital,
    - the insured must have first had inpatient hospital treatment in a restructured hospital or private hospital;
    - after the insured is discharged from the restructured hospital or private hospital, they must immediately be admitted to a community hospital for a continuous period of time;
    - the attending registered medical practitioner in the restructured or private hospital must have recommended in writing that the insured needs to be admitted to a community hospital for necessary medical treatment; and
    - the treatment must arise from the same injury, illness or disease that resulted in the inpatient hospital treatment.
  5. The breast reconstruction must be performed by a registered medical practitioner during a stay in hospital within 365 days from the date the insured leaves the hospital when the mastectomy was done.
  6. Pregnancy complications benefit pays for inpatient hospital treatment for the following:
    - ectopic pregnancy
    - pre-eclampsia or eclampsia
    - disseminated intravascular coagulation (DIC)
    - miscarriage where the foetus of the insured dies as a result of a sudden unexpected and involuntary event which must not be due to a voluntary or malicious act
    - ending a pregnancy if an obstetrician considers it necessary to save the life of the insured
    - acute fatty liver diagnosed during pregnancy
    - postpartum haemorrhage with hysterectomy done
    - amniotic fluid embolism
    - abruptio placentae (placenta abruption)
    - choriocarcinoma and hydatidiform mole - a histologically confirmed choriocarcinoma or molar pregancy
    - placenta previa
    - antepartum haemorrhage
  7. We will waive (not enforce) the co-insurance and deductible due for a claim for the inpatient hospital treatment, pre-hospitalisation treatment and post-hospitalisation treatment if the insured dies (i) while in hospital; or (ii) within 30 days of leaving hospital. If the insured dies within 30 days of leaving the hospital, we will also waive the co-insurance due for a claim of outpatient hospital treatment if the treatment was received by the insured within 30 days of leaving hospital.
  8. If the insured is admitted into a ward and medical institution that is higher than what they are entitled to, we will only pay the percentage of the reasonable expenses for necessary medical treatment of the insured as shown using the pro-ration factor that applies to the plan.
  9. If the insured is a Singapore Permanent Resident or a foreigner, we will further reduce the amount of each benefit we will pay by the citizenship factor below. The citizenship factor applies to any claim under your policy unless you have chosen the Singapore Permanent Resident or foreigner plan.
    - Enhanced Basic: 89% (for Singapore Permanent Resident); 80% (for foreigner)
    - Enhanced C: 57% (for Singapore Permanent Resident); 28% (for foreigner)
  10. MediShield Life does not cover emergency overseas treatment.
  11. Pro-ration for non-subsidised outpatient cancer treatments will apply for MediShield Life. Renal dialysis and immunosuppressant drugs approved under MediShield Life for organ transplant will not be pro-rated for MediShield Life.
  12. Deductible does not apply to outpatient hospital treatment.
  13. Claimable amount is the lower of (i) the claim limit in the table or (ii) the amount after adjusting the charges for pro-ration and citizenship factor, if needed.
Information is correct as of 06 March 2017