Enhanced IncomeShield

Enhanced IncomeShield

A medical insurance plan that covers hospital and surgical expenses and can be paid with your Medisave account.

What it covers

Inpatient hospital treatments[1]

We reimburse you the eligible medical-related services expenses incurred including surgical procedures, organ transplants and intensive care unit expenses.

Outpatient hospital treatment[1]

We reimburse you the medical expenses incurred for chemotherapy and radiotherapy for cancer, renal dialysis and drugs approved under MediShield for chronic renal failure or organ transplant.

Pre- and post- hospitalisation treatment[1]

We reimburse you the pre- and post- hospitalisation expenses incurred for eligible medical treatment, up to 90 days before admission and 90 days after discharge respectively.

Emergency overseas treatment[1]

We also reimburse you the emergency inpatient hospital treatment expenses incurred while overseas.

Full coverage information

Features

Once you have been accepted, any changes to your health status will not affect your current Enhanced IncomeShield insurance coverage.

We reimburse you the eligible hospitalisation cost you have incurred, subject to deductible, co-insurance, admission of ward class and any other terms.

With a Letter of Guarantee [2], hospital admission is made easier as you do not need to pay for hospital deposits.

There is no lifetime limit on your total hospital bills.

You can make the yearly premium payment with your Medisave account. The maximum amount you can use depends on your age.

Age at next birthday Maximum amount you can use from Medisave (per insured person each year)
1 – 65 $800
66 – 75 $1,000
76 – 80 $1,200
Over 80 $1,400

Enhance your coverage

Plus Rider [1]

With Plus Rider, you can receive higher coverage. You will not have to pay deductible and co-insurance. If you stay in a ward that is lower than your entitled ward, you will receive a daily hospital cash benefit.

Hospital cash benefit

Assist Rider [1]

With Assist Rider, you do not need to pay deductible or co-insurance. You only need to pay 10% of the claimable amount, subject to a maximum co-payment each policy year. If you stay in a ward that is lower than your entitled ward, you will receive a daily hospital cash benefit.

Maximum co-payment
Hospital cash benefit

Daily Cash Rider [1]

Provides you with additional cash benefit for each day you are hospitalised, and a get-well benefit upon your discharge.

Daily Cash Rider benefit

Child Illness Rider [1]

Your child is insured for up to $20,000 for various covered child-related illnesses until they reach 25 years old.

Child-related illnesses

Before you apply

To apply or upgrade to Enhanced IncomeShield, you need to be 75 years old and below (age next birthday).

To apply for Assist rider, you need to be 75 years old and below (age next birthday). The plan selected for the Assist Rider must be the same as your Enhanced IncomeShield plan.

To apply for Daily Cash rider, you need to be 65 years old and below (age next birthday). The plan selected for the Daily Cash Rider must be the same as your Enhanced IncomeShield plan.

To apply for Child Illness rider, your child needs to be 24 years old and below (age next birthday).

You need to declare your health conditions for a new application as well as upgrade of plan. You will also need to notify us of any changes in insured’s health before the start date of the policy. Based on your medical status, we will assess the acceptability of your plan application or upgrade.

You need to make payment every year.

You can use your CPF Medisave to pay for your Enhanced IncomeShield premiums.

Age at next birthday Maximum amount you can use from Medisave (per insured person each year)
1 – 65 $800
66 – 75 $1,000
76 – 80 $1,200
Over 80 $1,400

Premiums for riders are payable by cash, cheque or GIRO only.

Important Notes

Footnotes

 
  1. Subject to precise terms, conditions and exclusions specified in the policy contract for Enhanced IncomeShield and riders.
  2. Subject to individual hospital guidelines. Other terms and conditions apply.

Exclusions

 

There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.

Important notes

 

Enhanced IncomeShield is available as a Medisave-approved Integrated Shield Plan for insured who is a Singaporean or a Singapore Permanent Resident. This applies as long as the insured meets the eligibility conditions under MediShield. If the insured is a foreigner who has an eligible valid pass with a foreign identification number (FIN), Enhanced IncomeShield is not available as an Integrated Shield Plan.
This page is for general information only. You can find the usual terms and conditions of this plan in the policy conditions. All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact NTUC Income or visit the websites of the General Insurance Association of Singapore (www.gia.org.sg), the Life Insurance Association, Singapore (www.lia.org.sg) or Singapore Deposit Insurance Corporation (www.sdic.org.sg).
 

Information is correct as of 26 August 2015

Frequently asked questions

How to apply

For enquiries about health insurance, please call our hotline:
6788 3113

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