| |
| Schedule of Benefits |
| BENEFITS : |
Limits
of Compensation |
| In-patient Hospital
Treatment: |
Preferred
(Private Hospital/Private Medical Insitutions) |
Advantage
(Government/
Restructured Hospital
for A ward & below) |
Basic
(Government/
Restructured Hospital
for B1 ward & below) |
Room, Board & Medical
Related Services
(per day) |
As Charged |
As Charged |
As Charged |
| Intensive Care Unit (ICU) & Medical Related Services (per day) |
As Charged |
As Charged |
As Charged |
| Surgical Limits (including Day Surgery) |
As Charged |
As Charged |
As Charged |
| Pre-Hospital Specialist's Consultation (leads to hospitalisation within 90 days) |
As Charged |
As Charged |
As Charged |
| Pre-Hospital Diagnostic & Laboratory Services (leads to hospitalisation within 90 days) |
As Charged |
As Charged |
As Charged |
| Post-Hospitalisation Treatment (max. 90 days after discharge) |
As Charged |
As Charged |
As Charged |
| Surgical Implants/Approved Medical Consumables |
As Charged |
As Charged |
As Charged |
| Gamma Knife/ Novalis Radiosurgery1 |
As Charged |
As Charged |
As Charged |
| Emergency Hospitalisation Outside Singapore |
As charged,
pegged to costs of S'pore Private Hospitals |
As charged, pegged to costs
of S'pore Restructured Hospitals |
As charged,
pegged to costs of S'pore B1 Restructured Ward |
| Accident In-patient Dental Treatment |
As Charged |
As Charged |
As Charged |
| Ward Entitlement |
Standard Room In Private Hospital |
Class A1 and Below |
Class B1 and Below |
| Confinement in Community Hospital (max 45 days) |
As Charged |
As Charged |
As Charged |
| In-patient Psychiatric Treatment |
$5,000 |
$5,000 |
$3,000 |
| Pregnancy Complications Benefit2 |
As Charged |
As Charged |
As Charged |
| Congenital Abnormalities Benefit3 |
As Charged |
As Charged |
As Charged |
| Outpatient Hospital
Treatment : |
| Stereotactic Radiotherapy for Cancer (per treatment) |
As Charged |
As Charged |
As Charged |
Radiotherapy for cancer
(per day) |
As Charged |
As Charged |
As Charged |
Chemotherapy for cancer
(per month) |
As Charged |
As Charged |
As Charged |
| Immunotherapy for cancer (per month) |
As Charged |
As Charged |
As Charged |
Renal Dialysis
(per month) |
As Charged |
As Charged |
As Charged |
| Erythropoietin drug for chronic renal failure (per month) |
As Charged |
As Charged |
As Charged |
Cyclosporin/Tacrolimus drug for organ transplant
(per month) |
As Charged |
As Charged |
As Charged |
| Pro-Ration Factor |
| Private Hospital/ Private Medical Institutions |
N.A |
65% |
50% |
Restructured Hospitals -
Class A4 |
N.A |
N.A |
85% if above B1 ward |
Restructured Hospitals -
Class B and below4 |
N.A |
N.A |
N.A |
| Deductible Per Policy Year for Insured Persons 80 years and below at next birthday |
| In-patient |
| C Class Ward |
$1,000 |
$1,000 |
$1,000 |
| B2 Class Ward |
$1,500 |
$1,500 |
$1,500 |
| B1 Class Ward |
$2,000 |
$2,000 |
$2,000 |
| A1 Class Ward/Private Hospital |
$3,000 |
$3,000 |
$2,000 |
| Day Surgery |
$3,000 |
$3,000 |
$2,000 |
| Deductible Per Policy Year for Insured Persons above 80 years at next birthday |
| In-patient |
| C Class Ward |
$2,000 |
$2,000 |
$2,000 |
| B2 Class Ward |
$3,000 |
$3,000 |
$3,000 |
| B1 Class Ward |
$3,000 |
$3,000 |
$3,000 |
| A1 Class Ward/ Private Hospital |
$4,500 |
$4,500 |
$3,000 |
| Day Surgery |
$4,500 |
$4,500 |
$3,000 |
| Co-insurance |
10% |
10% |
10% |
| Limit per Policy Year |
$500,000 |
$250,000 |
$150,000 |
| Limit per Lifetime |
Unlimited |
Unlimited |
Unlimited |
| Final Expenses Benefit |
$5,000 |
$5,000 |
$3,000 |
Last Entry Age
(Age next birthday) |
75 |
75 |
75 |
| Maximum Coverage Age |
Lifetime |
Lifetime |
Lifetime |
The above schedule of benefits is applicable to policies effected or renewed from 1 January 2009 onwards.
1. 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 In-patient or day surgery procedure.
2. Subject to a waiting period of 10 months from (i) 1 September 2008 or (ii) the Commencement Date or (iii) the last reinstatement date of the Policy, whichever is latest.
3. Subject to a waiting period of 24 months from (i) 1 September 2008 or (ii) the Commencement Date or (iii) the last reinstatement date of the Policy, whichever is latest.
4. No Pro-Ration Factor will be applied to Out-patient Hospital Treatment received from a Restructured Hospital.
Example to illustrate the Enhanced Incomeshield
benefits
A 25 year old male is covered under Basic plan, for a total bill of $8,000.
| Benefits |
Expenses 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 |
| Insured pays |
$ 800 |
Please call 62Income (6246 2663), email product@income.com.sg or
Visit our branch/business
centres, contact your insurance adviser
|
|
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