Does My Insurance Plan Cover Me For COVID-19?

By Income, 28 February 2020 2191

Our plans offer your coverage against COVID-19.

Here's a summary of our plans. See how you are protected but do note that the summary is not exhaustive. Please refer to your policy contract for the precise terms, conditions and exclusions. Reach out to your Income advisor or contact us for assistance.

Information presented is correct as of 2 December 2020.

Will my health insurance cover me for COVID-19?

Income Plan

COVID-19 Coverage^{^}

IncomeShield and IncomeShield Riders

Examples:

Enhanced IncomeShield
IncomeShield Standard Plan
Deluxe Care Rider
Classic Care Rider

Covers under hospitalisation benefits (where applicable for the plans/riders).

Note:

Not covered for quarantine in hospital if it is not medically necessary.
Daily Cash Rider (up to a maximum of 14 days) is payable if insured is transferred to a Community Care Facility (CCF) / Community Recovery Facility (CRF) in Singapore for medically necessary treatment, and provided the insured was first admitted to a hospital for COVID-19 before being transferred.

Integrated Shield Plan claims for COVID-19: As our borders progressively reopen to permit international travel, MOH is allowing Singapore Citizens and PRs who travel out of Singapore to claim for inpatient COVID-19 treatment from MediShield Life and Integrated Shield Plans on or after 20 Oct 2020, should they experience onset of COVID-19 symptoms within 14 days of their return to Singapore.

To support Singapore’s COVID-19 vaccination programme, our IncomeShield plans will cover hospitalisation due to COVID-19 vaccination, if it becomes necessary. The COVID-19 vaccination needs to be approved by the Health Sciences Authority (HSA) and administered in Singapore.

ElderShield and Supplements.

Examples:

Covers under severe disability benefits (where applicable for the plans/riders).

Hospital Care Insurance

Covers daily cash payout for hospitalisation and ICU stay and reimbursements for Day surgery and Ambulance expenses.

Note:

Not covered for quarantine in hospital if it is not medically necessary.
Exclusion on pre-existing conditions will apply to COVID-19.
Daily hospital cash payout (up to a maximum of 14 days) is payable if insured is transferred to a Community Care Facility (CCF) / Community Recovery Facility (CRF) in Singapore for medically necessary treatment, and provided the insured was first admitted to a hospital for COVID-19 before being transferred.
A 30 days waiting period applies for sickness, including COVID-19.

Post COVID-19 Vaccination coverage
We understand that the COVID-19 pandemic has brought along many uncertainties, our Hospital Care plan is here to provide you with additional peace of mind and cover you in the event of hospitalisation due to the COVID-19 vaccination^. The plan will also pay out the daily cash benefit of up to $200 per day, or up to $600 per day for hospitalisation in an Intensive Care Unit (ICU).
^Your COVID-19 vaccination will need to be administered in Singapore and approved by the Health Sciences Authority (HSA).

Policy conditions here for reference.

Will my life insurance cover me for COVID-19?

Income Plan	COVID-19 Coverage^{^}
Whole & term life insurance plans, savings plans and investment-linked plans Examples: Star Assure TermLife Solitaire Gro Saver Gro Cash Harvest Gro Goal Saver Gro Gen Saver VivaLink GrowthLink Dependants’ Protection Scheme	Covers death, terminal illness (TI) and total and permanent disability benefits (where applicable for the plans/riders).

Will my critical illness insurance cover me for COVID-19?

Income Plan	COVID-19 Coverage^{^}
Advanced Assure Accelerator rider Available with Star Assure	Covers under Major Impact Benefit if required to stay in ICU for total 5 days or more in one hospital admission as a result of surgery or infection due to COVID-19.
Dread diseases and cancer related plans/riders. Examples: Cancer Protect Silver Protect Silver Secure Early Assure Accelerator rider Essential Protect rider Total Protect rider Dread Diseases cover (as in some investment-linked plans)	Not covered under dread diseases and cancer benefits. However, there may be cover under dread diseases for complications of COVID-19 under end stage lung disease provided the diagnosis meets the definitions and criteria in the policy contract.

Will my personal accident insurance cover me for COVID-19?

Income Plan

COVID-19 Coverage^{^}

PA Assurance (with Infectious Disease Cover add-on)

i50 insurance

PA Secure

Covers the following due to COVID-19 only:

Accidental death whilst in Singapore
Daily hospital income ($100 per day for up to 30 days) for hospitalisation in Singapore

Note:

The above are complimentary short-term benefit extensions offered to current insureds.
The 14 days waiting period for infectious disease will be waived for COVID-19 until further notice.
Pre-existing condition exclusion for COVID-19 will still apply to COVID-19 contracted before 17 Feb 2020 or before the policyholder takes up a new PA Assurance policy with the infectious disease cover, whichever is later.
The insured person has to contract, be diagnosed with and hospitalised in Singapore due to COVID-19 for the benefits to be applicable. We will deem COVID-19 to have been contracted overseas if the insured person travelled overseas within 30 days of the date of diagnosis.
Daily hospital income for infectious disease cover payout (up to a maximum of 14 days) is payable if insured is transferred to a Community Care Facility (CCF) / Community Recovery Facility (CRF) in Singapore for medically necessary treatment, and provided the insured was first admitted to a hospital for COVID-19 before being transferred.
The benefit extensions are valid until 31 Dec 2021.

More information on the COVID-19 benefit extensions can be found here. PA Assurance policy conditions here, i50 Insurance policy conditions here and PA Secure policy conditions here for reference.

Other Personal Accident plans

Examples:

PA Guard
Personal Accident RideGuard
SilverCare

Not covered under these plans.

Will my travel insurance cover me for COVID-19?

Income Plan	COVID-19 Coverage^{^}
Travel Insurance	Per-Trip Policies: For policies purchased from 26 Nov 2020, COVID-19 Coverage is now included for the first 90 days of your trip. Kindly note that this COVID-19 Coverage is not applicable to travels to COVID-19 high risk countries. More information can be found here. Yearly Policies: Yearly policies do not include COVID-19 Coverage. To get a quote to add on COVID-19 Coverage for a particular trip under your yearly policy, please call 6788 1222, write to us or contact your Income advisor and provide us with your policy number and trip details. Please note that COVID-19 high risk countries are excluded from COVID-19 Coverage. More info here.
Overseas Study Protection Plan	From 17 June 2021, all Overseas Study Protection Plan (OSPP) policies taken up with the Overseas Medical Expenses rider will include COVID-19 medical cover. More information of what is covered can be found under the COVID-19 Medical Cover topic in the FAQ here. If you have purchased the OSPP before 17 June 2021 and did not opt-in for the COVID-19 Coverage, there will be no coverage for any claims arising from COVID-19. To find out how to include COVID-19 Coverage for your existing OSPP policy, please contact our customer care team at 6788 1111 or email us at telesales@income.com.sg.

^{^}Please refer to your policy’s full policy terms and conditions for the full details of the plans, benefits and limits on the coverage.

Important Notes:
This article is meant purely for informational purposes and should not be relied upon as financial advice. The precise terms, conditions and exclusions of any Income products mentioned are specified in their respective policy contracts. For customised advice to suit your specific needs, consult an Income insurance advisor.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

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COVID-19

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