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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 Get in touch
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.
on www.income.com.sg
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

Source: http://www.insupermart.com.sg/pdf/ntuc_enhancedincomeshield.pdf