Peace-of-mind with all upfront payments covered at
hospitals. That»s the Income difference. You look after your health. We look after your hospital expenses. Enhanced IncomeShield. No upfront payment for medical expenses. No worries.
The last thing you’d want to worry about when you’re facing a medical emergency is your cash flow. Enhanced IncomeShield covers hospitalisation, surgery and certain outpatient treatments. You get the peace of mind to focus on your health and recovery whilst your hospital and surgical expenses are taken care of1. A plan for everyone Depending on your financial and medical needs, you have a choice of three Enhanced IncomeShield plan types: Basic, Advantage and Preferred. Limits of Compensation Benefits Preferred Advantage In-patient Hospital Treatment (Private Hospital/Private Medical (Government/Restructured Hospital (Government/Restructured Hospital Institutions) for A ward & below) for B1 ward & below)
Room, Board & Medical Related ServicesIntensive Care Unit (ICU) & Medical Related ServicesSurgical Limits (including Day Surgery)Pre-Hospital Specialist’s Consultation
(leads to hospitalisation within 90 days)
Pre-Hospital Diagnostic & Laboratory Services
(leads to hospitalisation within 90 days)Post-Hospitalisation Treatment (max. 90 days after discharge)Surgical ImplantsGamma Knife/Novalis Radiosurgery5
Emergency Hospitalisation Outside Singapore
As charged, pegged to costs of B1 ward in
Confinement in Community Hospital (max. 90 days)
Pregnancy Complications Benefit6Congenital Abnormalities Benefit6
Organ Transplant Benefit (including Stem Cell Transplant)Living Organ Donor Transplant Benefit (per Transplant)7
Out-patient Hospital Treatment Stereotactic Radiotherapy for Cancer Radiotherapy for cancer Chemotherapy for cancer Immunotherapy for cancer
Renal Dialysis Erythropoietin drug for chronic renal failure Cyclosporin/Tacrolimus drug for organ transplant Pro-Ration Factor Private Hospital/Private Medical Institutions
Restructured Hospitals – Class B and below8
Deductible Per Policy Year for Insured Persons 80 years and below at next birthday In-patient C Class Ward
Deductible Per Policy Year for Insured Persons above 80 years at next birthday In-patient C Class Ward Enhanced IncomeShield Annual Premium Rates9 Preferred Advantage Preferred Advantage Birthday Birthday
SG – Singaporean; PR – Permanent Resident; FR – Foreigner # For renewal only. The last entry age is at 75. Unlimited lifetime coverage Enhanced IncomeShield covers you for life, so your loved ones are relieved of the financial burden when the unforeseen happens. ‘As charged’ coverage Often, your insurance only covers a percentage of your hospitalisation bills. Our Enhanced IncomeShield plan offers more ‘As
charged2’ features, paying what’s incurred. Letter of Guarantee To lessen any anxiety and to facilitate an easier admission to the hospital, the Letter of Guarantee3 waives any deposit required by the hospital. ASSIST RIDER Keep your hospital bill to a minimum With the Assist Rider4, all you need to pay is 10% of the claimable amount, subject to a cap. Furthermore, you are entitled to daily hospitalisation allowance if the ward you are admitted to is lower than your entitled ward. Caps for co-payment per policy year Preferred Advantage
Deductible and Co-insurance are mandated by the Ministry of Health. Daily hospitalisation allowance Admitted Ward Daily Cash Benefit Assist Rider Annual Premium Rates9 Age Next Birthday Preferred Advantage Age Next Birthday Preferred Advantage
# For renewal only. The last entry age is at 75. CHILD ILLNESS RIDER Concentrate on your child’s well-being Nothing is more important than your child’s well-being. The Child Illness Rider1 provides a one-time lump sum benefit of up to $20,000, should your child be diagnosed with any specified child-related illnesses. For any one accident that results in fractures to the skull, spine, pelvis or femur, you will receive a cash benefit of 10% of the sum assured, up to an aggregate sum of 100% of the sum assured for a policy year. Covered Child Illnesses
Rheumatic Disease with Valvular Impairment
Child Illness Rider Annual Premium Rates9 Age Next Birthday Annual Premium Rates
# For renewal only. The last entry age is at 24. DAILY CASH RIDER Cash by the day Now, you can complement your Enhanced IncomeShield policy with our Daily Cash Rider1. If you’re hospitalised, you’ll receive Daily Cash Benefits for every day you’re warded. What’s more, you’ll also receive a Get Well Benefit1 upon your discharge. Benefits Benefit Type Preferred Advantage Daily Cash Rider Annual Premium Rates9 Age Next Birthday Preferred Advantage Age Next Birthday Preferred Advantage
* For renewals only. The last entry age is at 65. Example to illustrate the Enhanced IncomeShield Benefits An 18 year old boy who is covered under Enhanced IncomeShield Preferred plan was admitted to a private hospital with a total bill of $8,000. Benefits Expenses Amount Claimable Without Assist Rider Insured pays for Deductible and Co-insurance With Assist Rider Insured pays
(10% of $8,000 or Cap of $3,000, whichever is lower) And with Daily Cash Rider
$ 1,050ˆ Insured pays In return, Insured receives net amount
ˆ Insured receives an amount of $1,050 (Daily Cash Benefit of $150 x 5 days plus Get Well Benefit of $300). Affordability and flexibility Benefits at a glance
With Enhanced IncomeShield, you won’t need cash upfront. You’ll be able to use your
• Unlimited lifetime coverage
CPF Medisave funds to pay your premiums, subject to a limit of $800 per person, per
• ‘As charged2’ coverage
year. From 1 December 2008, if the insured person is aged above 80, the Medisave
• Letter of Guarantee3 waives deposit required by hospital • Enhanced coverage with add-on More than just insurance
With you in mind, our Wellness@IS Program has lined up a variety of special treats at
special rates that you can enjoy all year round, once you become our policyholder. 24-hour Healthcare Hotline (6332 1133)
You shouldn’t have to wait in times of emergency. Our 24-hour hotline lets you access
• Premium payable with Medisave funds (main plan only) • 24-hour Healthcare Hotline IMPORTANT NOTES 1 Subject to precise terms, conditions and exclusions of this plan specified in the Policy Contract/Rider. 2 Subject to deductible, co-insurance, admission of ward class and other terms. 3 Subject to individual hospital guidelines. Other terms and conditions apply. 4 The Assist Rider is applicable to all nationalities and premiums are payable by cash/cheque/GIRO.
The plan selected for the Assist Rider must be the same as your Enhanced IncomeShield Plan.
5 Gamma Knife/Novalis Radiosurgery can be performed as an in-patient or day surgery procedure. The
applicable Deductible and Pro-Ration Factor for Gamma Knife/Novalis Radiosurgery procedure will
depend on its classification as an inpatient or day surgery procedure.
6 Subject to, as the case may be, (a) pregnancy complications being first diagnosed by an obstetrician
after 10 months; or (b) congenital abnormalities being first diagnosed by a registered medical
practitioner or the symptoms first appeared after 24 months, from (i) 1 September 2008; (ii) the
commencement date of the Policy; or (iii) last reinstatement date of the Policy, whichever is the latest
7 Subject to the recipient of the organ being first diagnosed by a registered medical practitioner or the
symptoms of the recipient’s organ failure first appeared after 24 months from (i) 1 September 2010; (ii) the
commencement date of the Policy; or (iii) last reinstatement date of the Policy, whichever is the latest date.
8 No Pro-Ration Factor will be applied to Out-patient Hospital Treatment received from a restructured
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9 Premium rates are inclusive of 7% GST. Annual premium rates are applicable to policies & riders effective
1 September 2010 onwards. Premium rates are non-guaranteed and may be reviewed from time to time.
This material is for general information only and is not a contract of insurance. The precise
terms, conditions and exclusions of this plan are specified in the Policy Contract. Please visit
www.income.com.sg to read a copy of the Policy Contract. You should seek advice from a qualified
adviser if in doubt. If you choose not to, you will have to take sole responsibility to ensure that this
our hotline at 6788 3113
product is appropriate to your financial needs and insurance objectives. Buying health insurance
products that are not suitable for you may impact your ability to finance your future healthcare needs.
Information is correct as of 15 July 2010.
IncomeShieldWe have enhanced some features of our Enhanced
IncomeShield Plan to provide you with greater coverage. The
table below shows the summarised revisions for the plan. Benefits enhanced1 Living organ Donor transplant2 (Limit per transplant) Limit per policy Year $600,000 $400,000 Confinement in Community Hospital maximum 90 days
Please refer to Enhanced IncomeShield brochure for more details. Important notes 1 Only for policies effective from 1 September 2010. 2 Living Organ Donor Transplant Benefit covers your medical expenses incurred
when you donate your organ to your loved ones, provided the diagnosis of the organ failure is after a 24 months waiting period and approved under the Human Organ Transplant Act (HOTA). This coverage is for organ transplant done at any hospitals in Singapore.
This material is for general information only and is not a contract of insurance. The precise terms, conditions and exclusions of this plan are specified in the Policy Contract. Please visit www.income.com.sg to read a copy of the Policy Contract. You should seek advice from a qualified adviser if in doubt. If you choose not to, you will have to take sole responsibility to ensure that this product is appropriate to your financial needs and insurance objectives. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Information is correct as of 15 July 2010
Effect of live yeast culture supplementation on apparent digestibility and rate of passage in horses fed a high-fiber or high-starch diet1 J.-P. Jouany,* J. Gobert,† B. Medina,†‡ G. Bertin,† and V. Julliand‡2 *INRA, UR1213 Herbivores, Site de Theix, 63122 Saint Genes Champanelle, France; †Alltech-France,14 Place Marie-Jeanne Bassot, 92593 Levallois-Perret, France; and ‡Etab
V I E N N A I N T E R N A T I O N A L M O D E L U N I T E D N A T I O N S 0 2 - 0 6 A u g u s t 2 0 0 9 Preparation Paper Commission on Population and Development (CPD) "The Effect of HIV/AIDS on Population in Sub-Saharan Africa" UNITED NATIONS YOUTH AND STUDENT ASSOCIATION OF AUSTRIA Dear Delegates and Observers, Our team of the Vienna International Model Uni