Here’s what our Integrated Shield Plans offer you.
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Insurance coverage for hospitalisation, surgery and certain outpatient treatments.
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A MediSave-approved Integrated Shield Plan with premiums that can be paid using MediSave.
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Insurance coverage will continue even after exiting the Public Service, as long as premiums continue to be paid.
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Income’s Enhanced IncomeShield and IncomeShield Standard Plan at a discount.
Who this plan is for:
You are eligible for discounted premium rates if you are:
i. Public Officers
- Public Officers working in Public Service.
or
ii. Dependants
- The legally married spouse of the Public Officers not separated or divorced from the Public Officers.
- The natural, legally adopted or step-child(ren) of the Public Officers.
Your policy toolkit.
Eligibility
To apply or upgrade to Enhanced IncomeShield, the last entry age is 75 (based on the insured's age next birthday). There is no maximum entry age limit for IncomeShield Standard Plan.
To apply for Deluxe Care Rider or Classic Care Rider, the last entry age is 75 (based on the insured's age next birthday). The plan selected for the Deluxe Care Rider or Classic Care Rider must be the same as your Enhanced IncomeShield or IncomeShield Standard plan.
You need to make payment every year.
Please see below the premium rates for Enhanced IncomeShield and IncomeShield Standard Plans:
View full premium table for Main Plan
View full premium table for Deluxe Care Rider
View full premium table for Classic Care Rider
Please see below for the FAQs:
Policy conditions
Exclusions
There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy conditions for the precise terms, conditions and exclusions of the plan. The policy conditions will be issued when your application is accepted.
Important Notes
Enhanced IncomeShield and IncomeShield Standard Plan are available as a MediSave-approved Integrated Shield Plan for the insured who is a Singapore Citizen or a Singapore Permanent Resident. This applies as long as the insured meets the eligibility conditions under MediShield Life. If the insured is a foreigner who has an eligible valid pass with a foreign identification number (FIN), Enhanced IncomeShield is not available as an Integrated Shield Plan.
This is for general information only and does not constitute an offer, recommendation, solicitation, or advice to buy or sell any product(s). The precise terms, conditions and exclusions of these plans can be found in their respective policy condition. All our products are developed to benefit our customers but not all may be suitable for your specific needs. You should speak to a qualified insurance advisor before you purchase any product. 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. If you find that this plan is not suitable after purchasing it, you may terminate it within the free-look period and obtain a refund of the premiums paid.
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 Insurance or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
Information is correct as at 31 October 2024.
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