IncomeShield Standard Plan

IncomeShield Standard Plan

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

Coverage for IncomeShield Standard Plan

Benefits MediShield Life IncomeShield Standard Plan
(Payout includes MediShield Life payout)
Ward entitlement Restructured hospital
for ward class B1 and
below
Inpatient hospital treatment Limits of compensation
Room, board and medical-related services (each day)[1] $700 $1,700
Intensive care unit (ICU) and medical-related services (each day)[1] $1,200 $2,900
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




$590
$1,670
$3,290
$4,990
$8,760
$11,670
$16,720

Surgical implants[2]

$7,000
(each treatment)
$9,800 (each admission)
Gamma knife and novalis radiosurgery (for each procedure) $4,800 $9,600
Staying in a community hospital (each day)[1],[3] $350 $650
Inpatient psychiatric treatment (each day, up to 35 days for each policy year) $100 $500
Outpatient hospital treatment Limits of compensation
Stereotactic radiotherapy for cancer (for each session) $1,800 $1,800
Radiotherapy for cancer (for each session)
- External or superficial
- Brachytherapy with or without external

$140
$500

$550
$1,100
Chemotherapy for cancer (for each month) $3,000 $5,200
Renal dialysis (for each month) $1,000 $2,750
Erythropoietin and other drugs approved under MediShield Life for chronic renal failure (for each month) $200 $450
Cyclosporin or tacrolimus and other drugs approved under MediShield Life for organ transplant (for each month) $200 $1,200
Limit in each policy year $100,000 $150,000
Limit in each lifetime Unlimited Unlimited
Last entry age (age next birthday) Does not apply Does not apply
Maximum coverage age Lifetime Lifetime
Pro-ration factor[4] SG PR SG PR FR
Inpatient
- Restructured hospital
  - Ward class C 100% 44% Does not apply Does not apply Does not apply
  - Ward class B2 100% 58% Does not apply Does not apply Does not apply
  - Ward class B2+ 70% 47% Does not apply Does not apply Does not apply
  - Ward class B1 43% 38% Does not apply 90% 80%
  - Ward class A 35% 35% 80% 80% 80%
- Private hospital or private medical institution 35% 35% 50% 50% 50%
- Community hospital
  - Ward class C, B2 or B2+ 100% 50% Does not apply Does not apply Does not apply
  - Ward class B1 50% 50% Does not apply 90% 80%
  - Ward class A 50% 50% 80% 80% 80%
Day surgery or short-stay ward
- Restructured hospital subsidised 100% 58% Does not apply Does not apply Does not apply
- Restructured hospital non-subsidised 35% 35% Does not apply Does not apply Does not apply
- Private hospital or private medical institution 35% 35% 65% 65% 65%
Outpatient hospital treatment
- Restructured hospital subsidised 100% 67% Does not apply Does not apply Does not apply
- Restructured hospital non-subsidised[5] 50% 50% Does not apply Does not apply Does not apply
- Private hospital or private medical institution[5] 50% 50% 65% 65% 65%
Deductible for each policy year for an insured aged 80 years or below next birthday[6]
Inpatient
- Restructured hospital
  - Ward class C $1,500 $1,500
  - Ward class B2 or B2+ $2,000 $2,000
  - Ward class B1 $2,000 $2,500
  - Ward class A $2,000 $2,500
- Private hospital or private medical institution $2,000 $2,500
- Community hospital
- Ward class C $1,500 $1,500
- Ward class B2 or B2+ $2,000 $2,000
- Ward class B1 $2,000 $2,500
- Ward class A $2,000 $2,500
Day surgery or short-stay ward
- Subsidised $1,500 $1,500
- Non-subsidised $1,500 $2,000
Deductible for each policy year for an insured aged over 80 years at next birthday[6]
Inpatient
- Restructured hospital
- Ward class C $2,000 $2,000
- Ward class B2 or B2+ $3,000 $3,000
- Ward class B1 $3,000 $3,000
- Ward class A $3,000 $3,000
- Private hospital or private medical institution $3,000 $3,000
- Community hospital
- Ward class C $2,000 $2,000
- Ward class B2 or B2+ $3,000 $3,000
- Ward class B1 $3,000 $3,000
- Ward class A $3,000 $3,000
Day surgery or short-stay ward
- Subsidised $3,000 $3,000
- Non-subsidised $3,000 $3,000
Co-insurance
Inpatient hospital treatment
Claimable amount[7]:
$0 - $3,000 10% 10%
$3,001 - $5,000 10% 10%
$5,001 - $10,000 5% 10%
Above $10,000 3% 10%
Outpatient hospital treatment 10% 10%

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

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. 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.
  4. 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.
  5. Pro-ration for non-subsidised outpatient cancer treatments will apply for MediShield Life from 01 Nov 2016. Renal dialysis and immunosuppressant drugs approved under MediShield Life for organ transplant will not be pro-rated for MediShield Life.
  6. Deductible does not apply to outpatient hospital treatment.
  7. Claimable amount is the lower of (i) the claim limit in the table or (ii) the amount after adjusting the charges for pro-ration, if needed.
Information is correct as of 03 May 2016