Enhanced IncomeShield Enhanced C plan has been withdrawn for new policies, and is not available for upgrade or downgrade as of 1 March 2019. Only Change of Plan corresponding to the nationality is allowed.

Benefits

Full benefit features
MediShield Life Enhanced IncomeShield
(Payout includes MediShield Life payout)
Ward entitlement Preferred Advantage Basic Enhanced C
Standard room in private hospital or private medical institution Restructured hospital for ward class A and below Restructured hospital for ward class B1 and below Restructured hospital for ward class B2 and below
Inpatient hospital treatment Limits of compensation
Room, board and medical-related services[1] $700 (each day) As charged
Intensive care unit (ICU) and medical-related services[1] $1,200 (each day) As charged
Surgical benefits (including day surgery) Surgical limits table – limits for various categories of surgery, as classified by the Ministry of Health in its latest surgical operation fees table
- Table 1 (less complex procedures) $200 As charged
- Table 2 $480 As charged
- Table 3 $900 As charged
- Table 4 $1,150 As charged
- Table 5 $1,400 As charged
- Table 6 $1,850 As charged
- Table 7 (more complex procedures) $2,000 As charged
Organ transplant benefit (including stem-cell transplant) Covered under inpatient hospital treatment As charged
Surgical implants[2] $7,000 (each treatment) As charged
Gamma knife and novalis radiosurgery $4,800 (each procedure) As charged
Accident inpatient dental treatment Covered under inpatient hospital treatment As charged
Pre-hospitalisation treatment[3] Not covered As charged Not provided by our panel[4]: up to 100 days before admission

Provided by our panel[4]: Up to 180 days before admission[5]
As charged
Up to 100 days before admission
Post-hospitalisation treatment[3] As charged Not provided by our panel[4]: up to 100 days after discharge

Provided by our panel[4]: Up to 365 days after discharge[5]
As charged
Up to 100 days after discharge
Staying in a community hospital[1][6] $350 (each day) As charged (up to 90 days for each admission) As charged (up to 90 days for each admission) As charged (up to 90 days for each admission) As charged (up to 45 days for each admission)
Outpatient hospital treatment Limits of compensation
Stereotactic radiotherapy for cancer $1,800 (each session) As charged
Radiotherapy for cancer
- External or superficial
- Brachytherapy with or without external
$140 (each session)
$500 (each session)
As charged
Chemotherapy for cancer $3,000 (each month) As charged
Immunotherapy for cancer Not covered As charged
Renal dialysis $1,000 (each month) As charged
Erythropoietin and other drugs approved under MediShield Life for chronic renal failure $200 (each month) As charged
Cyclosporin or tacrolimus and other drugs approved under MediShield Life for organ transplant $200 (each month) As charged
Special benefits Limits on special benefits
Breast reconstruction after mastectomy[7] Covered under inpatient hospital treatment As charged As charged As charged As charged
Congenital abnormalities benefit As charged (with 12 months’ waiting period) As charged (with 12 months’ waiting period) As charged (with 12 months’ waiting period) Covered up to MediShield Life benefits only
Pregnancy complications benefit As charged[8] (with 10 months’ waiting period) As charged[8] (with 10 months’ waiting period) As charged[8] (with 10 months’ waiting period) Covered up to MediShield Life benefits only
Living organ donor (insured) transplant benefit - insured as the living donor donating an organ As charged, up to $60,000 (each transplant with 24 months’ waiting period for the person receiving the organ) As charged, up to $40,000 (each transplant with 24 months’ waiting period for the person receiving the organ) As charged, up to $20,000 (each transplant with 24 months’ waiting period for the person receiving the organ) Covered up to MediShield Life benefits only
Living organ donor (non-insured) transplant benefit (each transplant) - insured as the recipient of organ As charged, up to $60,000 Covered up to MediShield Life benefits only Covered up to MediShield Life benefits only Covered up to MediShield Life benefits only
Inpatient psychiatric treatment benefit $100 (each day, up to 35 days for each policy year) As charged, up to $7,000 (each policy year) As charged, up to $7,000 (each policy year) As charged, up to $5,000 (each policy year) As charged, up to $5,000 (each policy year)
Prosthesis benefit (each policy year) Covered under surgical implants As charged, up to $10,000 As charged, up to $6,000 As charged, up to $6,000 As charged, up to $3,000
Emergency overseas treatment Not covered As charged but limited to costs of Singapore private hospitals As charged but limited to costs of ward class A in Singapore restructured hospitals As charged but limited to costs of ward class B1 in Singapore restructured hospitals As charged but limited to costs of ward class B2 in Singapore restructured hospitals
Final expenses benefit[9] $5,000 $5,000 $3,000 $1,500
Limit in each policy year $100,000 $1,500,000 $500,000 $250,000 $150,000
Limit in each lifetime Unlimited Unlimited Unlimited Unlimited Unlimited
Last entry age (age next birthday) Does not apply 75 75 75 75
Maximum coverage age Lifetime Lifetime Lifetime Lifetime Lifetime
Pro-ration factor[10] SG PR SG/PR/FR SG/PR/FR SG/PR/FR[11] SG/PR/FR[11]
Inpatient
- Restructured hospital
- Ward class C 100% 44% Does not apply Does not apply Does not apply Does not apply
- Ward class B2 100% 58% Does not apply Does not apply Does not apply
- Ward class B2+ 70% 47% Does not apply Does not apply Does not apply
- Ward class B1 43% 38% Does not apply Does not apply 40%
- Ward class A 35% 35% Does not apply 85% 20%
- Private hospital or private medical institution or emergency overseas treatment[12] 35% 35% 65% 50% 15%
- Community hospital
- Ward class C, B2 or B2+ 100% 50% Does not apply Does not apply Does not apply Does not apply
- Ward class B1 50% 50% Does not apply Does not apply 40%
- Ward class A 50% 50% Does not apply 85% 20%
Day surgery or short-stay ward
- Restructured hospital subsidised 100% 58% Does not apply Does not apply Does not apply Does not apply
- Restructured hospital non-subsidised 35% 35% Does not apply Does not apply 20%
- Private hospital or private medical institution or emergency overseas treatment[12] 35% 35% 65% 50% 15%
Outpatient hospital treatment
- Restructured hospital subsidised 100% 67% Does not apply Does not apply Does not apply Does not apply
- Restructured hospital non-subsidised[13] 50% 50% Does not apply Does not apply Does not apply
- Private hospital or private medical institution[13] 50% 50% 65% 50% 15%
Deductible for each policy year for an insured aged 80 years or below next birthday[14]
Inpatient
- Restructured hospital
- Ward class C $1,500 $1,500 $1,500 $1,500 $1,500
- Ward class B2 or B2+ $2,000 $2,000 $2,000 $2,000 $2,000
- Ward class B1 $2,000 $2,500 $2,500 $2,500 $2,000
- Ward class A $2,000 $3,500 $3,500 $2,500 $2,000
- Private hospital or private medical institution or emergency overseas treatment[12] $2,000 $3,500 $3,500 $2,500 $2,000
- Community hospital
- Ward class C $1,500 $1,500 $1,500 $1,500 $1,500
- Ward class B2 or B2+ $2,000 $2,000 $2,000 $2,000 $2,000
- Ward class B1 $2,000 $2,500 $2,500 $2,500 $3,000
- Ward class A $2,000 $3,500 $3,500 $2,500 $2,000
Day surgery or short-stay ward
- Subsidised $1,500 $2,000 $2,000 $2,000 $2,000
- Non-subsidised $1,500 $3,500 $3,500 $2,500 $2,000
Deductible for each policy year for an insured aged over 80 years at next birthday[14]
Inpatient
- Restructured hospital
- Ward class C $2,000 $2,250 $2,250 $2,250 $2,250
- Ward class B2 or B2+ $3,000 $3,000 $3,000 $3,000 $3,000
- Ward class B1 $3,000 $3,750 $3,750 $3,750 $3,000
- Ward class A $3,000 $5,250 $5,250 $3,750 $3,000
- Private hospital or private medical institution or emergency overseas treatment[12] $3,000 $5,250 $5,250 $3,750 $3,000
- Community hospital
- Ward class C $2,000 $2,250 $2,250 $2,250 $2,250
- Ward class B2 or B2+ $3,000 $3,000 $3,000 $3,000 $3,000
- Ward class B1 $3,000 $3,750 $3,750 $3,750 $3,000
- Ward class A $3,000 $5,250 $5,250 $3,750 $3,000
Day surgery or short-stay ward
- Subsidised $3,000 $3,000 $3,000 $3,000 $3,000
- Non-subsidised $3,000 $5,250 $5,250 $3,750 $3,000
Co-insurance
Inpatient hospital treatment
Claimable amount[15]:
$0 - $3,000 10% 10% 10% 10% 10%
$3,001 - $5,000 10% 10% 10% 10% 10%
$5,001 - $10,000 5% 10% 10% 10% 10%
Above $10,000 3% 10% 10% 10% 10%
Outpatient hospital treatment 10% 10% 10% 10% 10%

SG: Singapore Citizen PR: Singapore Permanent Resident FR: Foreigner

"As charged" means we will reimburse you the eligible hospitalisation cost you have incurred, subject to deductible, co-insurance, admission of ward class, benefit limits and any other policy terms (including exclusions).

loading