Enhanced IncomeShield

Enhanced IncomeShield

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

MediShield Life

Introduction to MediShield Life
MediShield Life is a national health insurance scheme for all Singapore Citizens and Permanent Residents, providing better protection than MediShield.
MediShield Life and Enhanced IncomeShield

Enhanced IncomeShield is an Integrated Shield Plan which consists of two parts – the MediShield Life portion and an additional private insurance coverage portion.

If you are covered under Enhanced IncomeShield, you will enjoy the combined benefits of MediShield Life, which is administered by the Central Provident Fund Board, and the enhanced benefits of the additional private insurance coverage portion, which is provided by NTUC Income.

If you would like to find out more details about MediShield Life, and subsidies that you may be eligible
for, please refer to www.medishieldlife.sg/.

View how MediShield Life and Enhanced IncomeShield work for you

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 Life 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


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 (including exclusions).

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[3] on your total hospital bills.

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 or Plus rider, you need to be 75 years old and below (age next birthday). The plan selected for the Assist or Plus 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 From 1 Nov 2015
Additional Withdrawal Limits (AWLs) for additional private insurance coverage
1 – 40 $300
41 – 70 $600
Over 70 $900

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

Important Notes


  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.
  3. Subject to policy year limit and any benefit limits.



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 Life. 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 18 September 2015

Frequently asked questions

How to apply

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

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