Assist Rider

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Assist Rider to Keep Hospital Bill to a Minimum

Your IncomeShield plan makes managing hefty healthcare costs easier. Now, we have introduced an easier way to continually protect you and your family.

Certainty in managing your bills

With the Assist Rider, all you need to pay is 10% of the claimable amount, subject to a cap. Hence, you’ll have an easier time managing substantial medical expenses. The cap is shown in the table below.

Caps for co-payment per policy year

Plan P/Preferred	Plan A/Advantage	Plan B/Basic	Plan C
$3,000	$2,500	$2,000	$1,500

More savings with Assist Rider

Compared to "full rider" plans offered by other insurers in the market. The premium for Assist Rider is lower. This means you save in the long run.

Click here for Assist Rider Annual Premium Rates.

More assurance with daily hospitalisation allowances

Furthermore, you are entitled to daily hospitalisation allowance if the ward you are admitted to is lower than your entitled ward.

Plan	Admitted Ward	Daily Cash Benefit
Preferred	Restructured Hospital ward B1/B2/C	$150
Preferred	Restructured Hospital ward A	$125
Advantage	Restructured Hospital ward B1/B2/C	$100
Basic	Restructured Hospital ward B2/C	$75

This Hospital Cash Benefit will apply to the Enhanced IncomeShield Plan only.

Example to illustrate Assist Rider benefits (Enhanced IncomeShield)

A 25 year old male is covered under Basic plan, for total hospital bill of $8,000.

Benefits	Expenses Amount	Amount Claimable
Room & Board (12 days)	$4,500	$4,500
Surgical Benefits	$2,500	$2,500
Implant	$1,000	$1,000
Total	$8,000	$8,000

Without Assist Rider
Claimable	$8,000
Less : Deductible	$2,000
Less : Co-insurance	$600
IncomeShield pays:	$5,400
Insured pays (deductible and co-insurance)	$2,600

With Assist Rider
Claimable	$8,000
Co-insurance that the insured has to pay	10% of $8,000 OR Cap of $2,000, whichever is lower
IncomeShield with rider pays	$7,200
In this case, Insured pays	$800

If you are interested in the Enhanced IncomeShield Assist Rider and you are an existing Enhanced IncomeShield policyholder, you may download the form.

Example to illustrate Assist Rider benefits (IncomeShield)

The benefits claimable are subject to limits as described in the benefits schedule. As an example, under Plan B, if the hospital bill is $9,810 for a 13-day stay in a restructured hospital, IncomeShield will pay as follows:

Hospital Bill	S$
Room & Board (11 days)	5,610
Intensive Care (2 days)	1,700
Operation (assume major operation)	2,500
Total Hospital Bill	9,810
Benefits Claimable
Room & Board (maximum $800 X 11)	5,610
Intensive Care (maximum $1,200 x 2)	1,700
Operation (maximum $8,200)	2,500
Total Benefits Claimable	9,810
Without Assist Rider
Less : Deductible	2,000
Less : Co-insurance (10%)	781
IncomeShield pays	7,029
Insured pays	2,781
With Assist Rider
Total Benefits Claimable	9,810
Less: Co-insurance payable by insured (10% OR Cap of $2,000, whichever is lower)	981
IncomeShield pays	8,829
Insured pays	981

If you are interested in the IncomeShield Assist Rider and you are an existing IncomeShield policyholder, you may download the form.

This is only product information provided by us. You should seek advice from a qualified adviser if in doubt. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.