Managed Healthcare System

Managed Healthcare System

Covers visits to our panel of general practitioners and specialists, as well as hospitalisation and emergency treatment expenses.

Note: As of 1 January 2008, we no longer accept new applications for Managed Healthcare System.

What it covers

Primary care benefit

You can make unlimited visits to our panel GP clinics or polyclinics [1] at only $5 co-payment per visit. This includes consultation, prescribed medication and basic diagnostic tests, x-rays and procedures. For non-panel clinics, you will be reimbursed up to $10 per visit, or the actual amount spent (whichever is lower), for a maximum of 3 visits per policy year.

For specialised investigations (e.g. CT scans, MRI, Barium Studies), you will have to co-pay 10% of the cost of investigations.

Specialist care benefit

You can enjoy specialist outpatient care at our panel clinics at only $15 co-payment [2] per visit upon referral by our panel GP doctors. This includes consultation, prescribed medication and basic diagnostic tests, x-rays and procedures. We will pay up to $500 each policy year.

Co-payment [2] amount and limits per visit varies with each specialist outpatient clinic.

Hospital care

You will have to co-pay 10% of the total eligible hospital bill, as well as the expenses in excess of your plan limits [3].

Emergency care

You will only need to co-pay $10 for each emergency in any restructured hospital in Singapore. For emergencies in private hospitals or clinics, you will need to pay for the full medical charges first and Income will reimburse you up to $70 per visit after the $10 co-payment.

Full coverage information


You can continue to get coverage up to age 80 by renewing your policy yearly.
View premium rates for policy renewal

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

Find out more.

Before you apply

This product is no longer available for new applications. Existing Managed Healthcare System policyholders will continue to enjoy their coverage as long as they renew their policies annually.

Important Notes


  1. For visits to polyclinics, you will need to pay for the full medical bill first and seek reimbursement from Income, less the co-payment of $5.
  2. For Singapore General Hospital, Tan Tock Seng Hospital, Alexandra Hospital, Changi General Hospital, National University Hospital, National Heart Centre and National Cancer Centre, Khoo Teck Puat Hospital and Jurong Medical Centre, you will have to co-pay $15 after receiving the treatment. MHS benefits are not applicable for visits or expenses relating to dialysis, erythropoietin, cyclosporine, radiotherapy, chemotherapy & medications, immunotherapy, traditional chinese medicine treatment, physiotherapy, rehabilitative and diabetic services.
    For KK Women's and Children's Hospital, National Skin Centre, Singapore National Eye Centre, and the National Neuroscience Institute of Singapore, you will need to settle the full bill first before seeking reimbursement from Income.
    For private specialist outpatient clinics, you will have to co-pay $15 per visit, and you can claim up to $100 per visit.
    For specialised investigations (e.g. CT scans, MRI, Barium Studies), you will have to co-pay 10% of the cost of investigations.
  3. Medical expenses incurred overseas are not covered unless they are for inpatient treatment required as a result of an emergency whilst overseas.



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


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.
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

Can we help?

Get in touch with us for product information and existing
policy support.

Submit a claim

We are committed to a quick and fair claim response.
Learn more about the claim process

Call us
Dedicated claim hotlines

Find us
Claim servicing branches