IncomeShield Standard Plan

IncomeShield Standard Plan

Protection for ward class B1 and can be paid with your Medisave.

MediShield Life

Introduction to MediShield Life
MediShield Life is a national health insurance scheme for all Singapore Citizens and Permanent Residents, providing better protection than MediShield.
MediShield Life and IncomeShield Standard Plan

IncomeShield Standard Plan is an Integrated Shield Plan which consists of two parts – the MediShield Life portion and an additional private insurance coverage portion.

If you are covered under IncomeShield Standard Plan, you will enjoy the combined benefits of MediShield Life, which is administered by the Central Provident Fund Board, and the enhanced benefits of the additional private insurance coverage portion, which is provided by Income.

If you would like to find out more details about MediShield Life, and subsidies that you may be eligible for, please refer to

What it covers

Inpatient hospital treatments[1]

We reimburse you the eligible medical-related services expenses incurred including surgical procedures, surgical implants and intensive care unit expenses.

Outpatient hospital treatment[1]

We reimburse you the medical expenses incurred for chemotherapy and radiotherapy for cancer, renal dialysis and drugs approved under MediShield Life for chronic renal failure or organ transplant.

Full coverage information


Once you have been accepted, any changes to your health status will not affect your current IncomeShield Standard Plan insurance coverage.

With a Letter of Guarantee[2], hospital admission is made easier as you do not need to pay for hospital deposits.

There is no lifetime limit[3] on your total hospital bills.

Enjoy a wide range of exclusive treats which are specially curated for you.

Find out more.

Enhance your coverage

Plus Rider[1]

With Plus Rider, you can receive higher coverage. You will not have to pay deductible and co-insurance.

Assist Rider[1]

With Assist Rider, you do not need to pay deductible or co-insurance. You only need to pay 10% of the claimable amount, subject to a maximum co-payment of $2,000 each policy year.

Daily Cash Rider[1]

Provides you with additional cash benefit of $50 for each day you are hospitalised, and a get-well benefit of $100 upon your discharge.

Child Illness Rider[1]

Your child is insured for up to $20,000 for various covered child-related illnesses until they reach 25 years old.

Child-related illnesses

Before you apply

There is no maximum entry age limit for IncomeShield Standard Plan. 

To apply for Assist or Plus rider, you need to be 75 years old and below (age next birthday). The plan selected for the Assist or Plus rider must be the same as your  IncomeShield Standard Plan.

To apply for Daily Cash rider, you need to be 65 years old and below (age next birthday). The plan selected for the Daily Cash Rider must be the same as your IncomeShield Standard Plan.

To apply for Child Illness rider, your child needs to be 24 years old and below (age next birthday).

You need to declare your health conditions for a new application as well as upgrade of plan. You will also need to notify us of any changes in insured’s health before the start date of the policy. Based on your medical status, we will assess the acceptability of your plan application or upgrade.

You need to make payment every year.

You can use your CPF Medisave to pay for your IncomeShield Standard Plan premiums.

Age at next birthday From 1 Nov 2015
Additional Withdrawal Limits (AWLs) for additional private insurance coverage
1 – 40 $300
41 – 70 $600
Over 70 $900

Premiums for riders are payable by cash, cheque or GIRO only.

Important Notes


  1. Subject to precise terms, conditions and exclusions specified in the policy contract for IncomeShield Standard Plan and riders.
  2. Subject to individual hospital guidelines. Other terms and conditions apply.
  3. Subject to policy year limit and any benefit limits.



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 Singaporean 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 page 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 websites of the General Insurance Association of Singapore (, the Life Insurance Association, Singapore ( or Singapore Deposit Insurance Corporation (

Information is correct as of 21 July 2017

Frequently asked questions

How to apply

For enquiries about health insurance, please call our hotline:
6332 1133

Speak to your Income adviser, or use our online matching tool to find an adviser who’s right for you.

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