| Risk Category | Annual Premium (S$) inclusive of 9% GST |
|---|---|
| Obstetric Risk (includes gynaecology) | $33,533.85 |
| Gynaecology | $22,661.10 |
| Office Gynaecology | $11,330.55 |
| High Risk (see definition) | $8,583.75 |
| Medium Risk (see definition) | $3,639.51 |
| Low Risk (see definition) | $1,773.98 |
| Family Medicine - Procedural (see definition) | $2,266.11* |
| Family Medicine - Non-Procedural (see definition) | $1,487.85* |
Note: Premiums are subject to no known claims made in the past three years and no on-going unresolved cases.
* 10% discount will be applied for new applications made under the Family Medicine category only, from 2 September 2025 to 1 September 2026 (both dates inclusive). New applications will not include those which were previously insured with Income Insurance within a 12-month period preceding the proposed insurance inception date.
High Risk
- Cardiothoracic Surgery
- Colorectal Surgery
- Endocrine Surgery
- General Surgery
- Vascular Surgery
- Ophthalmology with all types of laser refractive surgery
- Otorhinolaryngology
- Urological Surgery
- Orthopaedic Surgery (excluding spinal surgery)
Medium Risk
- Accident & Emergency
- Anaesthetics
- Cardiology
- Gastroenterology
- Intensive Care
- Neonatology
- Neurology
- Paediatric Surgery
- Radiology
- Radiotherapy
Low Risk
- Community Medicine
- Dermatology
- Endocrinology
- Geriatric Medicine
- Haematology
- Immunology
- Infectious Diseases
- Medical Officer
- Nephrology
- Nuclear Medicine
- Occupational Health
- Oncology
- Opthalmology with no laser refractive surgery
- Paediatrics
- Palliative Medicine
- Pathology
- Pharmaceutical Physician
- Psychiatry
- Rehabilitation Medicine
- Renal Medicine
- Respiratory Medicine
- Rheumatology
- Sports Medicine
Family Medicine - Procedural
50% or more of Family Practitioner's annual turnover is derived from procedural work.
Note: Excludes cosmetic & aesthetic procedures &/or consultation
Family Medicine – Non-Procedural
Less than 50% of Family Practitioner's annual turnover is derived from procedural work.
Note: Excludes cosmetic & aesthetic procedures &/or consultation
