Income Insurance Singapore

Ward-class scope

Enhanced C

Restructured hospital for ward class B2 and below

Enhanced Basic

Restructured hospital for ward class B1 and below

Enhanced Advantage

Restructured hospital for ward class A and below

Enhanced Preferred

Standard room in private hospital or private medical institution

Claim limits (SGD)

Enhanced C

S$150,000

Enhanced Basic

S$250,000

Enhanced Advantage

S$1,000,000

Enhanced Preferred

S$1,500,000

Co-payment & deductible

Panel hospitals & in/out-of-panel rules

Pre-hospitalisation treatment: up to 180 days before admission (vs 100 days) and post-hospitalisation treatment: up to 365 days after discharge (vs 100 days) when inpatient hospital treatment is provided by our Panel under the Enhanced Preferred plan, and the main treating registered medical practitioner or specialist is part of our panel. Pro-ration factor waived for outpatient kidney dialysis if treatment is provided by our preferred partner in the area of kidney dialysis.

Pre-existing conditions

Not explicitly described in the extracted wording. Policy covers necessary medical treatment; reinstatement conditions note that if there is any change in the insured's medical or physical condition, we may add exclusions or charge an extra premium from the reinstatement date.

Cancer treatment

Cancer drug treatments listed on the Cancer Drug List (CDL) and used according to the indications for the cancer drugs, as specified in the CDL on MOH's website (go.gov.sg/moh-cancerdruglist). For insured receiving treatment for one primary cancer: Enhanced Preferred and Enhanced Advantage pay up to 5x MSHL Limit; Enhanced Basic and Enhanced C pay up to 3x MSHL Limit (each month). Cancer drug services (each policy year): Enhanced Preferred and Enhanced Advantage pay up to 5x MSHL Limit; Enhanced Basic and Enhanced C pay up to 3x MSHL Limit. For insured receiving treatment for multiple primary cancers, the registered medical practitioner can apply for higher claim limits by sending an application to the insurer and MOH. Cancer drug treatments not on the CDL are considered as having an indication other than 'for cancer treatment'. Cell, tissue and gene therapy benefit (Kymriah, Yescarta): Enhanced Preferred and Enhanced Advantage up to $250,000 per treatment per indication per lifetime; Enhanced Basic and Enhanced C up to $150,000. Proton beam therapy (each policy year): Enhanced Preferred up to $100,000; Enhanced Advantage up to $70,000; Enhanced Basic and Enhanced C not separately listed in the extracted schedule. Proton beam therapy must be for an MOH-approved indication and the insured must meet the eligibility criteria for proton beam therapy under MediShield Life.

MediShield Life integration

Enhanced IncomeShield is a medical insurance plan which, if integrated with MediShield Life, adds to the MediShield Life tier operated by the CPF Board and provides extra benefits. We will pay claims according to your policy or MediShield Life, whichever is higher. If your plan is not integrated with MediShield Life, your plan does not cover the MediShield Life tier operated by the CPF Board. Premium may be taken from your MediSave account according to the act and regulations; you will need to pay by cash if the premium owed is more than the maximum withdrawal limit set by the CPF Board, or if there are insufficient MediSave funds.

Mental health cover

Inpatient psychiatric treatment benefit pays for psychiatric treatment provided to the insured, while in hospital, by a registered medical practitioner qualified to provide that psychiatric treatment. Limits (each policy year): Enhanced Preferred up to $20,000; Enhanced Advantage up to $10,000; Enhanced Basic up to $7,000; Enhanced C — not listed in extracted schedule. Pre-hospitalisation treatment and post-hospitalisation treatment are not covered before or after inpatient psychiatric treatment.

Maternity

Pregnancy and delivery-related complications benefit pays for inpatient hospital treatment for specified complications in pregnancy (including ectopic pregnancy, pre-eclampsia or eclampsia, disseminated intravascular coagulation, miscarriage, acute fatty liver diagnosed during pregnancy, postpartum haemorrhage with hysterectomy, amniotic fluid embolism, abruptio placentae, choriocarcinoma and hydatidiform mole, placenta previa, antepartum haemorrhage, intrapartum haemorrhage, postpartum haemorrhage, cervical incompetency, accreta placenta, placental insufficiency and intrauterine growth restriction, gestational diabetes mellitus, obstetric cholestasis, twin to twin transfusion syndrome, infection of the amniotic sac and membranes, fourth-degree perineal laceration, uterine rupture, postpartum inversion of uterus, obstetric injury or damage to pelvic organs, complications resulting from a hysterectomy carried out at the time of a caesarean section, retained placenta and membranes, abscess of the breast, stillbirth, death of the mother). Waiting period: complications must have been first diagnosed by an obstetrician or gynaecologist after 10 months from the start date or the last reinstatement date, whichever is latest. Delivery charges are not covered except in the event of pre-eclampsia or eclampsia, stillbirth or death of the mother. Congenital abnormalities benefit (with 12 months' waiting period): As charged for Enhanced Preferred, Enhanced Advantage and Enhanced Basic; covered up to MediShield Life benefits only for Enhanced C.

Exclusions

• Any surgery not listed in MOH's surgical operation fees table 1 to 7 as at the date of the surgery is not covered.
• Organ transplant benefit will not be paid if the organ transplant is illegal or arises from any illegal transaction or practice.
• Living organ donor (insured) transplant benefit will not be paid if the transplant is illegal or arises from any illegal transaction or practice.
• Living organ donor (non-insured) transplant benefit will not be paid if the transplant is illegal or arises from any illegal transaction or practice.
• Pre-hospitalisation treatment and post-hospitalisation treatment are not covered before or after inpatient psychiatric treatment.
• Pre-hospitalisation treatment and post-hospitalisation treatment are not covered before or after accident inpatient dental treatment.
• Pre-hospitalisation treatment and post-hospitalisation treatment are not covered before or after emergency overseas treatment.
• Emergency overseas treatment is not covered if the insured is a foreigner who does not have an eligible valid pass at the time of the treatment.
• We do not cover dental treatment not related to the accident, such as extraction (removal) of teeth due to tooth decay, polishing or scaling.
• We do not cover pre-hospitalisation treatment which is received before the start date.
• We do not cover pre-hospitalisation treatment if, under your policy, we do not pay for the inpatient hospital treatment received during the stay in hospital.
• We do not cover post-hospitalisation treatment if, under your policy, we do not pay for the inpatient hospital treatment received during the stay in hospital.
• We do not cover the cost of medical treatment received by the insured after this policy ends.
• We do not cover post-hospitalisation treatment such as medication bought during a period of post-hospitalisation treatment but not used during that period.
• We do not cover cell, tissue and gene therapies that are not on MOH's CTGTP list.
• We will not pay the cell, tissue and gene therapy benefit under any other benefit.
• We do not cover pre-hospitalisation treatment and post-hospitalisation treatment provided before or after autologous bone marrow transplant treatment for multiple myeloma.
• We do not pay for claims if the medical expenses have been paid by other medical insurance or you or the insured has received a reimbursement from any other source.
• Breast reconstruction: any surgery or reconstruction of the other breast to produce a symmetrical appearance will not be covered; no further reconstruction covered unless it arises within 365 days after the date the insured leaves hospital after the mastectomy.
• Under the pregnancy and delivery-related complications benefit, delivery charges are not covered except in the event of pre-eclampsia or eclampsia, stillbirth or death of the mother.
• Congenital abnormalities benefit: symptoms must have first appeared after 12 months from 1 September 2008, the start date, or the last reinstatement date, whichever is later.
• Prosthesis benefit: we will not pay for replacing, repairing or maintaining the prosthesis.
• Living organ donor (non-insured) transplant benefit does not cover pre-hospitalisation treatment, post-hospitalisation treatment or counselling provided to the living organ donor's family before or after an organ has been donated.
• Cancer drug treatments not on the CDL will be considered as having an indication other than 'for cancer treatment' and coverage is restricted accordingly.
• If the insured is in a luxury or deluxe suite or any other special room of a hospital, we will only pay the equivalent daily ward and treatment charges for a standard room in the hospital.
• Policy ends and benefits cease if the insured is covered under another MediSave-approved Integrated Shield Plan.
• Policy ends and benefits cease if the insured is no longer a Singapore citizen or Singapore permanent resident (for citizen/PR plans).
• We do not pay for expenses which happen between the date your policy ends and the date immediately before the reinstatement date of your policy.
• Fraud: all benefits end if fraud is identified.
• Relevant information not revealed or misrepresented: all benefits end.