IncomeShield

IncomeShield

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

Coverage for IncomeShield

Benefits Full benefit features
MediShield Life IncomeShield
(Payout includes MediShield Life payout)
Plan P Plan A Plan B Plan C
Inpatient hospital treatment Limits of compensation
Room, board and medical-related services
(each day)[1]
$700 $2,000 $1,200 $1,000 $700
Intensive care unit (ICU) and medical-related services (each day)[1] $1,200 $2,600 $1,700 $1,400 $1,200
Surgical benefits
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








$1,050
$2,275
$4,025
$5,425
$8,100
$10,800
$14,100








$600
$1,300
$2,300
$3,100
$5,400
$7,200
$9,400








$500
$1,100
$2,000
$3,000
$4,300
$5,400
$8,200








$400
$750
$1,300
$2,000
$3,000
$4,200
$6,800
Surgical implants[2] $7,000
(each treatment)
$14,000
(each admission)
$11,000
(each admission)
$9,000
(each admission)
$7,000
(each admission)
Gamma knife and novalis radiosurgery (for each procedure) $4,800 $15,600 $12,600 $9,600 $9,600
Pre-hospitalisation treatment and post-hospitalisation treatment[3] (up to 90 days before being admitted to or after being discharged from hospital, respectively) Not covered Limited to unused balance amount of room, board and medical-related services and intensive care unit (ICU) and medical-related services benefits and staying in a community hospital. Limited to unused balance amount of room, board and medical-related services and intensive care unit (ICU) and medical-related services benefits and staying in a community hospital. Limited to unused balance amount of room, board and medical-related services and intensive care unit (ICU) and medical-related services benefits and staying in a community hospital. Limited to unused balance amount of room, board and medical-related services and intensive care unit (ICU) and medical-related services benefits and staying in a community hospital.
Staying in a community hospital (each day)[1],[4] $350 $2,000 (up to 45 days for each admission) $1,200 (up to 45 days for each admission) $1,000 (up to 45 days for each admission) $550 (up to 45 days for each admission)
Outpatient hospital treatment Limits of compensation
Stereotactic radiotherapy for cancer (for each session) $1,800 $5,000 $3,000 $2,500 $2,000
Radiotherapy for cancer (each session)
- External or superficial
- Brachytherapy with or without external


$140
$500


$600
$600


$400
$500


$300
$500


$250
$500
Chemotherapy for cancer (each month) $3,000 $4,000 $3,500 $3,000 $3,000
Immunotherapy for cancer (each month) Not covered $2,000 $1,000 $700 $400
Renal dialysis (each month) $1,000 $3,500 $3,000 $2,500 $2,000
Erythropoietin and other drugs approved under MediShield Life for chronic renal failure (each month) $200 $1,000 $700 $600 $400
Cyclosporin or tacrolimus and other drugs approved under MediShield Life for organ transplant (each month) $200 $1,000 $700 $600 $400
Special benefits Limits on special benefits
Congenital abnormalities benefit (each policy year) Covered under inpatient hospital treatment $10,000
(with 24 months’ waiting period)
$7,500
(with 24 months’ waiting period)
$5,000
(with 24 months’ waiting period)
Covered up to MediShield Life benefits only
Pregnancy complications benefit (each policy year) Covered under inpatient hospital treatment $7,000[5]
(with 10 months’ waiting period)
$5,000[5]
(with 10 months’ waiting period)
$3,500[5]
(with 10 months’ waiting period)
Covered up to MediShield Life benefits only
Inpatient psychiatric treatment benefit $100
(each day,
up to 35 days for each policy year)
$7,000
(each policy year)
$7,000
(each policy year)
$5,000
(each policy year)
$5,000
(each policy year)
Prosthesis benefit (each policy year) Covered under surgical implants $10,000 $6,000 $6,000 $3,000
Final expenses benefit[6] Not covered $5,000 $5,000 $3,000 $1,500
Limit in each policy year $100,000 $300,000 $200,000 $150,000 $100,000
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[7] SG PR SG/PR/FR SG/PR/FR SG/PR/FR[8] SG/PR/FR[8]
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 Does not apply
- Ward class A 35% 35% Does not apply Does not apply Does not apply Does not apply
- Private hospital or private medical institution or emergency overseas treatment[9] 35% 35% Does not apply Does not apply Does not apply Does not apply
- 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 Does not apply
- Ward class A 50% 50% Does not apply Does not apply Does not apply Does not apply
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 Does not apply
- Private hospital or private medical institution or emergency overseas treatment[9] 35% 35% Does not apply Does not apply Does not apply Does not apply
Outpatient hospital treatment
- Restructured hospital subsidised 100% 67% Does not apply Does not apply Does not apply Does not apply
- Restructured hospital non-subsidised[10] 50% 50% Does not apply Does not apply Does not apply Does not apply
- Private hospital or private medical
institution[10]
50% 50% Does not apply Does not apply Does not apply Does not apply

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

Benefits MediShield Life Plan P Plan A Plan B Plan C
Deductible for each policy year for an insured aged 80 years or below at next birthday[11]
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[9]
$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 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[11]
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[9]
$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 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[12]
$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%
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.
  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. 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, non-malicious and involuntary event
    - ending a pregnancy if an obstetrician considers it necessary to save the life of the insured.
  6. 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.
  7. 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.
  8. 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.
    - Plan B : 89% (for Singapore Permanent Resident); 80% (for foreigner)
    - Plan C : 57% (for Singapore Permanent Resident); 28% (for foreigner)
  9. 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.
  10. MediShield Life does not cover emergency overseas treatment.
  11. Deductible does not apply to outpatient hospital treatment.
  12. 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 21 July 2017