A group medical insurance that covers your employees’ hospital and surgical expenses, emergency treatment expenses, as well as visits to general practitioners and specialists.

What it covers

Hospital and surgical expenses under Inpatient Care benefit[1]

We cover eligible hospital and surgical bills, up to the limit as specified in the plan you have chosen.

Visits to the general practitioner (GP) clinics under Outpatient Primary Care benefit

You can make unlimited visits to our island-wide panel GP clinics. It also extends to cover emergency visits to any hospital A&E department.

Visits to specialists under Outpatient Specialist Care benefit

The policy covers your visit to our panel specialists on a cashless basis as long as there is a referral letter from our panel registered medical practitioner. It also extends to cover specialised investigations which include Barium studies and CT and MRI scans.


The Inpatient Care benefit is available as a standalone plan, with the option of adding coverage for outpatient expenses. The Company can choose to add the Outpatient (Primary and Specialist) Care benefit or just the Outpatient (Primary) Care benefit.

This policy is part of Income’s comprehensive package of Employee Benefits Solution for business entities to mix and match the coverage to suit your employees’ needs.

Enhance your coverage

Under Inpatient Care benefit

Your employees can get enhanced coverage for:

  • Outpatient kidney dialysis and cancer treatment
  • Overseas hospitalisation expenses incurred due to accident while your employee is travelling outside Singapore
  • Cost of surgical implants
  • Rehabilitation benefit
  • Group dental benefit
Under Outpatient Primary and Specialist Care benefit

Your employees can get enhanced cover for:

  • Consultations with overseas GP/specialist
  • Consultations with non-appointed specialists other than our panel of specialists
  • Traditional Chinese Medicine (TCM)
  • Outpatient physiotherapy treatment

Before you apply

Companies or associations must be registered in Singapore. The employees or members and their spouse[2] need to be between 16 and 69 years old (age last birthday), and their children[3] need to be between 15 days and 24 years old (age last birthday).

Important Notes


  1. Subject to plan limits, precise terms, conditions and exclusions of this plan specified in the policy contract.
  2. The spouse is covered only if he/she is not divorced or legally separated from the insured employee or member.
  3. The children of the insured employee or member are covered only if they are unmarried and unemployed. Children can be covered till 24 years old (age last birthday) if they are full-time students in a college or university.



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 is for general information only. You can find the usual terms and conditions of this plan in the policy contract. 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 (www.gia.org.sg), the Life Insurance Association, Singapore (www.lia.org.sg) or Singapore Deposit Insurance Corporation (www.sdic.org.sg).


Information is correct as of 21 July 2017

Frequently asked questions

How to apply

For enquiries about i-MediCare, please call our hotline:
6332 1133

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