Health Insurance

Enhanced IncomeShield - Benefits

Schedule of Benefits

Benefits Preferred Advantage Basic
Ward entitlement Standard room in private hospital or private medical institution Restructured hospital for ward class A and below Restructured hospital for ward class B1 and below
Inpatient hospital treatment Limits of compensation
Room, board and medical-related services  As charged As charged As charged
Intensive care unit (ICU) and medical-related services  
Surgical benefits (including day surgery) 
Organ transplant benefit (including stem-cell transplant)
Surgical implants  
Gamma knife and novalis radiosurgery 
Accident inpatient dental treatment 
Pre-hospitalisation treatment(up to 90 days before admission)
Post-hospitalisation treatment (up to 90 days after discharge)
Staying in a community hospital As charged
(up to 90 days for each admission)
As charged
(up to 90 days for each admission)
As charged
(up to 90 days for each admission)
Outpatient hospital treatment Limits of compensation
Stereotactic radiotherapy for cancer As charged As charged As charged
Radiotherapy for cancer 
Chemotherapy for cancer 
Immunotherapy for cancer 
Renal dialysis 
Erythropoietin and other drugs approved under MediShield for chronic renal failure
Cyclosporin or tacrolimus and other drugs approved under MediShield for organ transplant
Special benefits Limits on special benefits 
Congenital abnormalities benefit (with 24 months’ waiting period) As charged As charged As charged
Pregnancy complications benefit (with 10 months’ waiting period)
Inpatient psychiatric treatment benefit (each policy year) As charged, up to $7,000 As charged, up to $7,000 As charged, up to $5,000
Living organ donor (insured) transplant benefit (each transplant with 24 months’ waiting period for the person receiving the organ) As charged, up to $60,000 As charged, up to $40,000 As charged, up to $20,000
Living organ donor
(non-insured) transplant benefit (each transplant)
As charged, up to $60,000 Not covered Not covered
Prosthesis benefit
(each policy year)
As charged, up to $10,000 As charged, up to $6,000 As charged, up to $6,000
Emergency overseas treatment As charged but limited to costs of Singapore private hospitals As charged but limited to costs of ward class A in Singapore restructured hospitals As charged but limited to costs of ward class B1 in Singapore restructured hospitals
Final expenses benefit $5,000 $5,000 $3,000
Pro-ration factor
Private hospital or private medical institution or emergency overseas treatment Does not apply 65% 50%
Restructured hospital ward class A Does not apply Does not apply 85%
Restructured hospital ward class B1 and below Does not apply Does not apply Does not apply
Deductible for each policy year for an insured aged 80 years or below next birthday
Inpatient
- Restructured hospital ward class C $1,500 $1,500 $1,500
- Restructured hospital ward class B2 $2,000 $2,000 $2,000
- Restructured hospital ward class B1 $2,500 $2,500 $2,500
- Restructured hospital ward class A or private hospital or private medical institution or  emergency overseas treatment $3,500 $3,500 $2,500
Day surgery or short-stay ward
- Subsidised $2,000 $2,000 $2,000
- Non-subsidised $3,500 $3,500 $2,500
Deductible for each policy year for an insured aged over 80 years at next birthday
Inpatient
- Restructured hospital ward class C $2,250 $2,250 $2,250
- Restructured hospital ward class B2 $3,000 $3,000 $3,000
- Restructured hospital ward class B1 $3,750 $3,750 $3,750
- Restructured hospital ward class A or private hospital or private medical institution or  emergency overseas treatment $5,250 $5,250 $3,750
Day surgery or short-stay ward
- Subsidised $3,000 $3,000 $3,000
- Non-subsidised $5,250 $5,250 $3,750
Co-insurance 10% 10% 10%
Limit in each policy year  $700,000 $500,000 $250,000
Limit in each lifetime Unlimited Unlimited Unlimited
Last entry age (age next birthday) 75 75 75
Maximum coverage age Lifetime  Lifetime Lifetime

The above schedule of benefits is applicable to new policies effected or renewed from 1 March 2013 onwards.

Example to illustrate the Enhanced IncomeShield benefits

A 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
Room & Board (5 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 $3,500
Less : Co-insurance $450
IncomeShield pays: $4,050
Insured pays (deductible and co-insurance) $3,950

With Assist Rider

Claimable $8,000
IncomeShield pays: $7,200
Insured pays (10% of $8,000 or Cap of $3,000, whichever is lower) $ 800

And with Daily Cash Rider

IncomeShield pays: $1,050^
Insured pays $0
In return, Insured receives net amount $250

^ Insured receives an amount of $1,050 (Daily Cash Benefit of $150 x 5 days plus Get Well Benefit of $300).

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