Enhanced IncomeShield

Classic Care Rider is a rider attached that covers the deductible and co-insurance parts of your Enhanced IncomeShield plans.

Classic Care Rider is not available to Enhanced C policyholders. Should you have further queries, we would be most happy to assist you via your preferred mode of contact at income.com.sg/contact-us.

While this rider is in force, there is no deductible or co-insurance due under your policy. However, you will have to make a co-payment and an extended panel and non-panel payment (if it applies) for each claim.

¹Panel or preferred partner means a:

• registered medical practitioner;
• specialist;
• hospital;
• or medical institution;

approved by us. The lists of approved panels and preferred partners, which we may update from time to time, can be found at www.income.com.sg/specialist-panel. Our list of approved panels also includes all restructured hospitals, community hospitals and voluntary welfare organisations (VWO) dialysis centres.

²Extended panel means a registered medical practitioner or specialist approved by us to provide cover for the benefits under this rider. The registered medical practitioner or specialist must not also be on our lists of approved panels or preferred partners and must meet other criteria, including being on another Integrated Shield Plan provider’s panel list. The list of our approved extended panel can be found at income.com.sg/specialist-panel. We may update this list from time to time.

³Non-panel means registered medical practitioners, specialists, hospitals or medical institutions that are not our panel¹ or extended panel².

⁴Cancer Drug List (CDL) means the list of clinically proven and more cost-effective cancer drug treatments on the MOH website (go.gov.sg/moh-cancerdruglist). MOH may update the CDL from time to time.

⁵The term ‘multiple primary cancers’ is defined as two or more cancers arising from different sites and are of a different histology or morphology group. An application form for higher claim limits for the insured receiving treatment for multiple primary cancers is to be sent to Income Insurance and MOH by their registered medical practitioner for assessment of the Integrated Shield Plan and MediShield Life Plan coverage, respectively.

⁶For outpatient cancer drug treatments not on the CDL, Income Insurance covers only treatments with drug classes A to E (according to LIA’s Non-CDL Classification Framework). Refer to lia.org.sg/media/3553/non-cdl-classification-framework.pdf for more details. LIA may update the list from time to time.

If the treatment is provided by our panel¹ or extended panel², the co-payment limit per policy year is up to $3000.                                                

If you are claiming for pre-hospitalisation treatment, post-hospitalisation treatment or special benefits (if covered), we will not apply the co-payment limit if the treatment during the insured’s stay in hospital is not provided by our panel¹ or extended panel².

If you are claiming for consultation fees, medicines, examinations or tests for the main outpatient hospital treatment that is covered under your policy, we will apply the co-payment limit only if the main outpatient hospital treatment is provided by our panel¹ or extended panel².

For each claim that meets the limits on special benefits (if they apply) or the limit for each policy year of your policy, the co-payment for that claim will not count towards the co-payment limit of $3,000 for each policy year.

When the insured is under the care of more than one registered medical practitioner or specialist for their stay in hospital or the main outpatient hospital treatment under your policy, we will apply the co-payment limit as long as the main treating registered medical practitioner or specialist (shown in the hospital records as the principal doctor) is part of our panel¹ or extended panel².

For each stay in hospital of 12 months or less, where the treatment is provided by our panel¹ or extended panel², you must pay the co-payment (up to a maximum of $3,000) for one policy year (even if the stay in hospital runs into the next policy year). If the stay in hospital is for a continuous period of more than 12 months but less than 24 months, you must also pay up to the maximum co-payment for the next policy year. And, for each further period of 12 months or less that the stay in hospital extends for, you must pay the co-payment for one extra policy year.

¹Panel or preferred partner means a:

• registered medical practitioner;
• specialist;
• hospital;
• or medical institution;

approved by us. The lists of approved panels and preferred partners, which we may update from time to time, can be found at income.com.sg/specialist-panel. Our list of approved panels also includes all restructured hospitals, community hospitals and voluntary welfare organisations (VWO) dialysis centres.

²Extended panel means a registered medical practitioner or specialist approved by us to provide cover for the benefits under this rider. The registered medical practitioner or specialist must not also be on our lists of approved panels or preferred partners and must meet other criteria, including being on another Integrated Shield Plan provider’s panel list. The list of our approved extended panel can be found at income.com.sg/specialist-panel. We may update this list from time to time.

If the treatment is on the Cancer Drug List (CDL)³ and provided by our panel¹ or extended panel², you will have to make a co-payment of 10% of the benefits due under the rider. The co-payment limit per policy year is up to $3000.

If the treatment is on the CDL³ but is not provided by our panel¹ or extended panel², you will have to make a co-payment of 10% of the benefits due under the rider. There will not be a co-payment limit.

If the treatment is not on the CDL³, you will have to make a co-payment of 20% of the benefits due under the rider.

¹Panel or preferred partner means a:

• registered medical practitioner;
• specialist;
• hospital;
• or medical institution;

approved by us. The lists of approved panels and preferred partners, which we may update from time to time, can be found at income.com.sg/specialist-panel. Our list of approved panels also includes all restructured hospitals, community hospitals and voluntary welfare organisations (VWO) dialysis centres.

²Extended panel means a registered medical practitioner or specialist approved by us to provide cover for the benefits under this rider. The registered medical practitioner or specialist must not also be on our lists of approved panels or preferred partners and must meet other criteria, including being on another Integrated Shield Plan provider’s panel list. The list of our approved extended panel can be found at income.com.sg/specialist-panel. We may update this list from time to time.

³Cancer Drug List (CDL) means the list of clinically proven and more cost-effective cancer drug treatments on the MOH website (go.gov.sg/moh-cancerdruglist). MOH may update the CDL from time to time.

If the treatment during the insured’s stay in hospital is provided by a registered medical practitioner or specialist who is not from our panel¹, or is from the extended panel², you will have to make an extended panel and non-panel payment (ENP) of up to $2,000 per policy year for your claims for inpatient hospital treatment, pre-hospitalisation treatment, post-hospitalisation treatment or special benefits (if covered). You must pay the co-payment followed by the ENP. We will only pay the amount of your claim which is more than the total of the co-payment and the ENP.

When there is more than one treating registered medical practitioner or specialist for the insured’s stay in hospital, we will apply the ENP as long as the main treating registered medical practitioner or specialist (shown in the hospital records as the principal doctor) is not from our panel¹ or is from the extended panel².

For each stay in hospital of 12 months or less that is provided by a registered medical practitioner or specialist who is not from our panel¹ or is from the extended panel², you must pay the ENP of up to $2,000 for one policy year (even if the stay in hospital runs into the next policy year). If the stay in hospital is for a continuous period of more than 12 months but less than 24 months, you must also pay the ENP of up to $2,000 for the next policy year. And, for each further period of 12 months or less that the stay in hospital extends for, you must pay ENP of up to $2,000 for one extra policy year.

Panel or preferred partner means a:

• registered medical practitioner;
• specialist;
• hospital;
• or medical institution;

approved by us. The lists of approved panels and preferred partners, which we may update from time to time, can be found at income.com.sg/specialist-panel. Our list of approved panels also includes all restructured hospitals, community hospitals and voluntary welfare organisations (VWO) dialysis centres.

²Extended panel means a registered medical practitioner or specialist approved by us to provide cover for the benefits under this rider. The registered medical practitioner or specialist must not also be on our lists of approved panels or preferred partners and must meet other criteria, including being on another Integrated Shield Plan provider’s panel list. The list of our approved extended panel can be found at income.com.sg/specialist-panel. We may update this list from time to time.

Your insured child must be age 18 or younger during the stay in hospital and the insured’s parent or guardian stayed and shared in the same room. We will pay up to 10 days for each stay in hospital. If the insured is in the hospital for only part of a day, we will pay half of this benefit for that day. You do not need to pay the co-payment or ENP if we pay this benefit.

Deluxe Care Rider is a rider that covers the deductible and co-insurance parts of your Enhanced IncomeShield plans (applicable to Preferred, Advantage and Basic).

Deluxe Care Rider is not available to Enhanced C policyholders. Should you have further queries, we would be most happy to assist you via your preferred mode of contact at income.com.sg/contact-us.

While this rider is in force, there is no deductible or co-insurance due under your policy. However, you will have to make a co-payment for each claim and an extended panel and non-panel payment (ENP) (if it applies) for each claim.

¹Panel or preferred partner means a:

• registered medical practitioner;
• specialist;
• hospital;
• or medical institution;

approved by us. The lists of approved panels and preferred partners, which we may update from time to time, can be found at www.income.com.sg/specialist-panel. Our list of approved panels also includes all restructured hospitals, community hospitals and voluntary welfare organisations (VWO) dialysis centres.

²Extended panel means a registered medical practitioner or specialist approved by us to provide cover for the benefits under this rider. The registered medical practitioner or specialist must not also be on our lists of approved panels or preferred partners and must meet other criteria, including being on another Integrated Shield Plan provider’s panel list. The list of our approved extended panel can be found at income.com.sg/specialist-panel. We may update this list from time to time.

³Non-panel means registered medical practitioners, specialists, hospitals or medical institutions that are not our panel¹ or extended panel².

⁴Cancer Drug List (CDL) means the list of clinically proven and more cost-effective cancer drug treatments on the MOH website (go.gov.sg/moh-cancerdruglist). MOH may update the CDL from time to time.

⁵The term ‘multiple primary cancers’ is defined as two or more cancers arising from different sites and are of a different histology or morphology group. An application form for higher claim limits for the insured receiving treatment for multiple primary cancers is to be sent to Income Insurance and MOH by their registered medical practitioner for assessment of the Integrated Shield Plan and MediShield Life Plan coverage, respectively.

⁶For outpatient cancer drug treatments not on the CDL, Income Insurance covers only treatments with drug classes A to E (according to LIA’s Non-CDL Classification Framework). Refer to lia.org.sg/media/3553/non-cdl-classification-framework.pdf for more details. LIA may update the list from time to time.

If the treatment is provided by our panel¹ or extended panel², the co-payment limit per policy year is up to $3000.

If you are claiming for pre-hospitalisation treatment, post-hospitalisation treatment or special benefits (if covered), we will not apply the co-payment limit if the treatment during the insured’s stay in hospital is not provided by our panel¹ or extended panel².

If you are claiming for consultation fees, medicines, examinations or tests for the main outpatient hospital treatment that is covered under your policy, we will apply the co-payment limit only if the main outpatient hospital treatment is provided by our panel¹ or extended panel².

For each claim that meets the limits on special benefits (if they apply) or the limit for each policy year of your policy, the co-payment for that claim will not count towards the co-payment limit of $3,000 for each policy year.

When the insured is under the care of more than one registered medical practitioner or specialist for their stay in hospital or the main outpatient hospital treatment under your policy, we will apply the co-payment limit as long as the main treating registered medical practitioner or specialist (shown in the hospital records as the principal doctor) is part of our panel¹ or extended panel².

For each stay in hospital of 12 months or less, where the treatment is provided by our panel¹ or extended panel², you must pay the co-payment (up to a maximum of $3,000) for one policy year (even if the stay in hospital runs into the next policy year). If the stay in hospital is for a continuous period of more than 12 months but less than 24 months, you must also pay up to the maximum co-payment for the next policy year. And, for each further period of 12 months or less that the stay in hospital extends for, you must pay the co-payment for one extra policy year.

¹Panel or preferred partner means a:

• registered medical practitioner;
• specialist;
• hospital;
• or medical institution;

approved by us. The lists of approved panels and preferred partners, which we may update from time to time, can be found at income.com.sg/specialist-panel. Our list of approved panels also includes all restructured hospitals, community hospitals and voluntary welfare organisations (VWO) dialysis centres.

²Extended panel means a registered medical practitioner or specialist approved by us to provide coverage on the benefits in the rider. The registered medical practitioner or specialist must not be on our panel or preferred partners lists and must meet other criteria including being on another Integrated Shield Plan provider’s panel listing. The approved extended panel list, which we may update from time to time, can be found at income.com.sg/specialist-panel.

If the treatment is on the Cancer Drug List (CDL)³ and provided by our panel¹ or extended panel², you will have to make a co-payment of 5% of the benefits due under the rider. The co-payment limit per policy year is up to $3000.

If the treatment is on the CDL³ but is not provided by our panel¹ or extended panel², you will have to make a co-payment of 5% of the benefits due under the rider. There will not be a co-payment limit.

If the treatment is not on the CDL³, you will have to make a co-payment of 10% of the benefits due under the rider.

¹Panel or preferred partner means a:

• registered medical practitioner;
• specialist;
• hospital;
• or medical institution;

approved by us. The lists of approved panels and preferred partners, which we may update from time to time, can be found at income.com.sg/specialist-panel. Our list of approved panels also includes all restructured hospitals, community hospitals and voluntary welfare organisations (VWO) dialysis centres

²Extended panel means a registered medical practitioner or specialist approved by us to provide cover for the benefits under this rider. The registered medical practitioner or specialist must not also be on our lists of approved panels or preferred partners and must meet other criteria, including being on another Integrated Shield Plan provider’s panel list. The list of our approved extended panel can be found at income.com.sg/specialist-panel. We may update this list from time to time.

³Cancer Drug List (CDL) means the list of clinically proven and more cost-effective cancer drug treatments on the MOH website (go.gov.sg/moh-cancerdruglist). MOH may update the CDL from time to time.

If the treatment during the insured’s stay in hospital is provided by a registered medical practitioner or specialist who is not from our panel¹, or is from the extended panel², you will have to make an extended panel and non-panel payment (ENP) of up to $2,000 per policy year for your claims for inpatient hospital treatment, pre-hospitalisation treatment, post-hospitalisation treatment or special benefits (if covered). You must pay the co-payment followed by the ENP. We will only pay the amount of your claim which is more than the total of the co-payment and the ENP.

When there is more than one treating registered medical practitioner or specialist for the insured’s stay in hospital, we will apply the ENP as long as the main treating registered medical practitioner or specialist (shown in the hospital records as the principal doctor) is not from our panel¹ or is from the extended panel².

For each stay in hospital of 12 months or less that is provided by a registered medical practitioner or specialist who is not from our panel¹ or is from the extended panel², you must pay the ENP of up to $2,000 for one policy year (even if the stay in hospital runs into the next policy year). If the stay in hospital is for a continuous period of more than 12 months but less than 24 months, you must also pay the ENP of up to $2,000 for the next policy year. And, for each further period of 12 months or less that the stay in hospital extends for, you must pay the ENP of up to $2,000 for one extra policy year.

¹Panel or preferred partner means a:

• registered medical practitioner;
• specialist;
• hospital;
• or medical institution;

approved by us. The lists of approved panels and preferred partners, which we may update from time to time, can be found at income.com.sg/specialist-panel. Our list of approved panels also includes all restructured hospitals, community hospitals and voluntary welfare organisations (VWO) dialysis centres.

²Extended panel means a registered medical practitioner or specialist approved by us to provide cover for the benefits under this rider. The registered medical practitioner or specialist must not also be on our lists of approved panels or preferred partners and must meet other criteria, including being on another Integrated Shield Plan provider’s panel list. The list of our approved extended panel can be found at income.com.sg/specialist-panel. We may update this list from time to time.

Your insured child must be age 18 or younger during the stay in hospital and the insured’s parent or guardian stayed and shared in the same room. We will pay up to 10 days for each stay in hospital. If the insured is in the hospital for only part of a day, we will pay half of this benefit for that day. You do not need to pay the co-payment or ENP if we pay this benefit.

MediShield Life is a compulsory national health insurance for all Singapore Citizens and Permanent Residents providing better protection than MediShield.

MediShield Life offers:

• Better protection and higher payouts, so that patients pay less MediSave/cash for large bills
• For All Singapore Citizens and Permanent Residents, including the very elderly and those who have pre-existing illnesses
• For Life

An Integrated Shield Plan (IP) consists of two parts – the MediShield Life portion which is managed by the Central Provident Fund (CPF) Board and an additional private insurance coverage portion offered by a private insurer.

The MediShield Life portion is designed for Class B2/C wards stays in restructured hospitals. The additional insurance coverage offered by the private insurer will increase your level of protection beyond medical care provided at Class B2/C wards in restructured hospitals.

Enhanced IncomeShield are IPs offered by Income Insurance Limited (Income Insurance).

The MediShield Life portion is designed to cover treatment in Class B2/C wards in restructured hospitals and pays only up to MediShield Life benefit limits, when you stay in higher class wards in restructured hospitals or private hospitals. With lower or no government subsidies, treatments at higher class wards in restructured hospitals or private hospitals are more expensive.

Enhanced IncomeShield helps to provide Singapore Citizens and Permanent Residents who wish to stay in higher ward classes with additional coverage so that policyholders can be more adequately protected.

Enhanced IncomeShield also covers you for certain benefits that are not included under MediShield Life. This includes coverage for pre- and post-hospitalisation expenses, emergency overseas treatment, and the option to purchase riders to cover deductibles and co-insurance. With these benefits, Enhanced IncomeShield takes care of your hospital and surgical expenses and provides you with peace of mind while you recuperate. With higher benefits, Enhanced IncomeShield premiums are also higher than MediShield Life premiums.

We encourage you to decide on a plan that meets your needs, taking into consideration your preferred ward class and level of benefits, and affordability of premiums over the long-term.

There is no duplicate coverage between MediShield Life and Enhanced IncomeShield.

Policyholders covered under Enhanced IncomeShield will enjoy the combined benefits of MediShield Life which provides hospitalisation coverage targeted at Class B2/C wards and the additional private insurance coverage targeted at higher class wards in restructured or even private hospitals depending on your plan.

Your Enhanced IncomeShield premium is made up of the MediShield Life premium and an additional private insurance coverage premium. Hence, you are not paying double premiums.

Enhanced IncomeShield policyholders will receive the applicable MediShield Life subsidies for the MediShield Life portion.

MediShield Life is able to cover pre-existing conditions because the cost of providing such coverage is shared among those with pre-existing conditions, the community and the government, which bears the bulk of the costs (about 75%). 

Unlike MediShield Life, private insurers are unable to provide cover for pre-existing conditions. Hence, these pre-existing conditions will continue to be excluded from the additional private insurance coverage portion under your Enhanced IncomeShield.

Riders are not part of Integrated Shield Plans (IPs), as they are not approved by Ministry of Health (MOH) for MediSave use.

Riders are complementary products introduced by private insurers to cover the co-insurance and deductible portions of your bill when you make a claim under your Integrated Shield Plan (IP). Some riders also provide additional benefits when you are hospitalised. Please refer to the respective policy contract for more information.

As Riders are not MediSave-approved plans, policyholders will need to pay for them separately by cash.

With the launch of MediShield Life, there will be two parts to MediSave’s use for IP premiums.

• The first part is for MediShield Life premiums which can be fully payable by MediSave.
• The second part is called the Additional Withdrawal Limit (AWLs), which is the maximum MediSave limit that you can use for your Enhanced IncomeShield’s additional private insurance coverage premiums.
• If your additional private insurance coverage premium costs more than the AWL, you will have to pay the balance in cash. You can refer to the Cash Outlay indicated in your payment notice letter. With the new AWLs, Singaporeans will be able to use the same amount or more of their MediSave to pay the additional private insurance coverage component of their IP premiums than before. This is provided that there is no change in plans or age bands.

Deductible is the amount that you will need to pay first before any claim is payable. Co-insurance is the amount that you need to pay after the Deductible is met.

No, Enhanced IncomeShield is guaranteed renewable for a lifetime. This means that after you have been accepted, any change to your health status does not affect your current insurance coverage.

You can access our health coverage tool here to find out if your treatment is covered under your plan and get helpful information you need to file your claims. All claims submitted are subjected to review in accordance with the terms and conditions of the policies.

No, you can only be insured under one Integrated Shield Plan at any point in time. Your current Integrated Shield Plan will be automatically terminated upon commencement of a new Integrated Shield Plan.

Income Insurance will apply its own guidelines on the assessment of risks. If you have any additional information about your health, you may give this to us for a review of our earlier decision.

Yes, you can submit your medical reports to us for our review. If the medical reports submitted do not have sufficient information, we may request for more information. We reserve the right to maintain our initial decision if the improvement of the medical condition does not meet our underwriting guidelines.

For existing IncomeShield policyholders, you can choose to upgrade your plan to enjoy better benefit by submitting an upgrade request via My Income customer portal or you can speak to your advisor.

You will need to meet the entry requirements (e.g. maximum entry age) of the plan you wish to upgrade to. Any upgrade of plans will require underwriting.

No, you will continue to enjoy cover up to the benefit limits of your previous plan for these medical conditions. For your upgraded plan, you will be covered for any other medical conditions that you are not excluded from.

No, upon approval of your upgrade application, we will issue you a new policy contract. The change will take effect on the start date indicated on your policy contract. To upgrade to Enhanced IncomeShield plans, you need to be 75 years old and below (age next birthday).

Upon a request to upgrade your plan, the current policy will be terminated and a new set of policy document will be issued to you. Any unused premiums from the terminated policy will be refunded to you through your respective mode of payment.

We are using the same policy number for your new plan as it is essentially a conversion or upgrade of plan. This will make it easier for you to remember your policy number.

If you wish to upgrade to a higher plan after your first upgrade, you can do so after 40 days from the start date of your upgraded plan.

The refund of your pro-rated premium for your previous plan can only be processed after CPF Board confirms on the activation of your upgraded plan. Furthermore, refunds are processed in batches. Therefore, your refund for your previous plan and your premium deduction for your upgraded plan may not coincide.

Each insured person is issued an individual insurance policy. Therefore, each upgrade is processed independently and may result in a time difference when receiving your policy contracts.

Yes, you can. However, you should note that re-application will be subject to Income Insurance’s underwriting and acceptance.

You are only able to purchase either Deluxe Care Rider or Classic Care Rider.

You may get in touch with us through your preferred mode of contact at income.com.sg/contact-us or visit any of our branches to find out more if you are upgrading or adding Rider to Enhanced IncomeShield plans (Enhanced Preferred/Advantage/Basic) or IncomeShield Standard Plan.

Note

• You are not able to apply for an upgrade or add a new Rider to Enhanced IncomeShield Enhanced C plan and IncomeShield plans (Plan P/Plan A/Plan B/Plan C) as these plans are withdrawn. You may upgrade to our Enhanced IncomeShield plan (Enhanced Preferred/Advantage/Basic) or IncomeShield Standard Plan and upgrade or add Rider to these plans.
• If the start date of the new Rider is not aligned with the Enhanced IncomeShield/IncomeShield Standard Plan’s policy renewal date, a pro-rated premium will be charged for the new Rider. Upon the renewal of the Enhanced IncomeShield/IncomeShield Standard Plan policy, the Rider renewal dates will be aligned with that of the Enhanced IncomeShield/IncomeShield Standard Plan policy.

All the exclusions under the Enhanced IncomeShield/IncomeShield/IncomeShield Standard Plan will apply to the Riders. Additional exclusions under the Riders will be specified under the Rider contract.

If you are a Singapore Citizen or Permanent Resident, even though you have terminated your Enhanced IncomeShield/ IncomeShield/ IncomeShield Standard Plan, you will continue to be covered under MediShield Life.

We would like to highlight that by terminating your Enhanced IncomeShield/IncomeShield/IncomeShield Standard Plan, you will need to re-apply if you wish to be covered in the future. The acceptance of your new application will be subject to Income Insurance’s underwriting and acceptance. Before you terminate the cover, we hope that you will reconsider your decision as it is important for you to have catastrophic medical insurance coverage to help defray part of the large medical bills in the event of a serious illness or prolonged hospitalisation.

Your re-application for Enhanced IncomeShield/IncomeShield/IncomeShield Standard Plan will be subject to Income Insurance’s underwriting and acceptance. Depending on the underwriting assessment, your application may be:

• Accepted at standard terms
• Accepted with exclusions on any pre-existing medical conditions
• Postpone or Decline

Anyone who pays for, or is insured under Enhanced IncomeShield is not eligible for Additional Premium Support (APS) from the Government. ^

If you are currently receiving APS to pay for your MediShield Life and/or CareShield Life premiums, and you choose to be insured under Enhanced IncomeShield, you will stop receiving APS. This applies even if you are not the person paying for Enhanced IncomeShield. In addition, if you choose to be insured under Enhanced IncomeShield, the person paying for Enhanced IncomeShield will stop receiving APS, if he or she is currently receiving APS.

^ APS is for families who need assistance with MediShield Life and/or CareShield Life premiums, even after receiving premium subsidies and making use of MediSave to pay for these premiums.

You may submit your claims via My Income customer portal. For more information on our claim process and other channels to submit your claims, find out more here.