IncomeShield Plan - Benefits & Coverage

Schedule of Benefits

Benefits :	Limits of Compensation
In-patient Hospital Treatment:	Plan P	Plan A	Plan B	Plan C**
Room, Board & Medical Related Services (per day)	$1,600	$1,000	$800	$450
Intensive Care Unit (ICU) & Medical Related Services (per day)	$2,200	$1,500	$1,200	$900
Surgical Benefits
Surgical Limits Table:
1	$1,050	$600	$500	$300
2	$2,275	$1,300	$1,100	$700
3	$4,025	$2,300	$2,000	$1,100
4	$5,425	$3,100	$3,000	$1,300
5	$8,100	$5,400	$4,300	$1,500
6	$10,800	$7,200	$5,400	$1,800
7	$14,100	$9,400	$8,200	$2,000
Implants/Approved Medical Consumables (per admission)	$14,000	$11,000	$9,000	$7,000
Gamma Knife/Novalis Radiosurgery (per procedure)	$15,600	$12,600	$9,600	$4,800
In-patient Psychiatric Treatment	$5,000	$5,000	$3,000	N.A
Pregnancy Complications Benefit¹	$7,000	$5,000	$3,500	N.A
Congenital Abnormalities Benefit²	$10,000	$7,500	$5,000	N.A
Out-patient Hospital Treatment
Stereotactic Radiotherapy for Cancer (per treatment)	$5,000	$3,000	$2,500	$1,800
Radiotherapy for cancer (per day)	$600	$300	$250	$200
Chemotherapy for cancer (per month)	$3,500	$3,000	$2,500	$1,240
Immunotherapy for cancer (per month)	$2,000	$1,000	$700	$400
Renal Dialysis (per month)	$3,000	$2,500	$2,000	$1,500
Erythropoietin drug for chronic renal failure (per month)	$1,000	$500	$400	$300
Cyclosporin/Tacrolimus drug for organ transplant (per month)	$1,000	$500	$400	$300
Limit per Policy Year	$260,000	$130,000	$100,000	$70,000
Limit per Lifetime	Unlimited	Unlimited	Unlimited	$350,000
Final Expenses Benefit	$5,000	$5,000	$3,000	$1,500
Deductible Per Policy Year for Insured Persons 80 years and below at next birthday
In-patient	$1,000 - ward C	$1,000 - ward C	$1,000 - ward C	$1,000 - ward C
	$1,500 - ward B2	$1,500 - ward B2	$1,500 - ward B2	$1,500 - ward B2 & above
	$2,000 - ward B1	$2,000 - ward B1	$2,000 - ward B1 & above
	$3,000 - ward A & above	$3,000 - ward A & above
Day Surgery/ Gamma Knife/ Novalis Radiosurgery	$3,000	$3,000	$2,000	$1,500
Deductible Per Policy Year for Insured Persons above 80 years at next birthday
In-patient	$2,000 - ward C	$2,000 - ward C	$2,000 - ward C	$2,000 - ward C
	$3,000 - ward B1 & B2	$3,000 - ward B1 & B2	$3,000 - ward B2 & above	$3,000 - ward B2 & above
	$4,500 - ward A & above	$4,500 - ward A & above
Day Surgery/ Gamma Knife/ Novalis Radiosurgery	$4,500	$4,500	$3,000	$3,000
Co-insurance	10%	10%	10%	10%
Last Entry Age (Age next birthday)	75	75	75	75
Maximum Coverage Age	Lifetime	Lifetime	Lifetime	Lifetime

The above schedule of benefits is applicable to policies effected or renewed from 1 January 2009 onwards.

** Plan C is not applicable for new applications or for any downgrade of plan request.

¹ 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.

² 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.

Example to illustrate IncomeShield benefits

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.