Coverage for IncomeShield Standard Plan
IncomeShield Standard Plan
|
Benefits |
MediShield Life | IncomeShield Standard Plan (Payout includes MediShield Life payout) |
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| Ward entitlement | Restructured hospital for ward class B1 and below | |||||
| Inpatient hospital treatment | Limits of compensation | |||||
| Room, board and medical-related services (each day)[1] |
$800* | $1,700 | ||||
| Intensive care unit (ICU) and medical- related services (each day)[1] |
$2,200* | $2,900 | ||||
| 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: |
A | B | C | |||
| - Table 1 A/B/C (less complex procedures) |
$240 | $340 | $340 | $590 | ||
| - Table 2 A/B/C | $580 | $760 | $760 | $1,670 | ||
| - Table 3 A/B/C | $1,060 | $1,160 | $1,280 | $3,290 | ||
| - Table 4 A/B/C | $1,540 | $1,580 | $1,640 | $4,990 | ||
| - Table 5 A/B/C | $1,800 | $2,180 | $2,180 | $8,760 | ||
| - Table 6 A/B/C | $2,360 | $2,360 | $2,360 | $11,670 | ||
| - Table 7 A/B/C (more complex procedures) |
$2,600 | $2,600 | $2,600 | $16,720 | ||
| Surgical implants[2] | $7,000 (each treatment) |
$9,800 (each admission) |
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| Gamma knife and novalis radiosurgery (each treatment course) |
$10,000 | $9,600 | ||||
| Staying in a community hospital (Rehabilitative care) (each day)[1][3] |
$350 | $650 | ||||
| Staying in a community hospital (Sub-acute care) (each day)[1][3] |
$430 | $650 | ||||
| Inpatient palliative care service (General) (each day) |
$250 (each day) | No additional coverage above MediShield Life | ||||
| Inpatient palliative care service (Specialised) (each day) |
$350 (each day) | |||||
| Inpatient psychiatric treatment (each day, up to 60 days for each policy year) |
$160 | $500 | ||||
| Outpatient hospital treatment | Limits of compensation | |||||
| Stereotactic radiotherapy for cancer (each session) |
$1,800 | $1,800 | ||||
| Radiotherapy for cancer (each session) - External (except Hemi-body radiotherapy) - Brachytherapy with or without external |
$300 $500 |
$550 $1,100 |
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| Hemi-body radiotherapy (each session) | $900 | No additional coverage above MediShield Life | ||||
| Chemotherapy for cancer (each month) | $3,000 | $5,200 | ||||
| Renal dialysis (each month) | $1,100 | $2,750 | ||||
| Erythropoietin and other drugs approved under MediShield Life for chronic renal failure (each month) |
$200 | $450 | ||||
| Cyclosporin or tacrolimus and other drugs approved under MediShield Life for organ transplant (each month) |
$550 | $1,200 | ||||
| Limit in each policy year | $150,000 | $150,000 | ||||
| Limit in each lifetime | Unlimited | Unlimited | ||||
| Last entry age (age next birthday) | Does not apply | Does not apply | ||||
| Maximum coverage age | Lifetime | Lifetime | ||||
| Pro-ration factor[4] | SG | PR | SG | PR | FR | |
| Inpatient | ||||||
| - Restructured hospital - Ward class C - Ward class B2 - Ward class B2+ - Ward class B1 - Ward class A |
100% 100% 70% 43% 35% |
44% 58% 47% 38% 35% |
Does not apply Does not apply Does not apply Does not apply 80% |
Does not apply Does not apply Does not apply 90% 80% |
Does not apply Does not apply Does not apply 80% 80% |
|
| - Private hospital or private medical institution | 25% | 25% | 50% | 50% | 50% | |
| - Community hospital - Ward class C, B2 or B2+ - Ward class B1 - Ward class A |
100% 50% 50% |
50% 50% 50% |
Does not apply Does not apply 80% |
Does not apply 90% 80% |
Does not apply 80% 80% |
|
| Day surgery or short-stay ward | ||||||
| - Restructured hospital subsidised - Restructured hospital non-subsidised - Private hospital or private medical institution |
100% 35% 25% |
58% 35% 25% |
Does not apply Does not apply 65% |
Does not apply Does not apply 65% |
Does not apply Does not apply 65% |
|
| Outpatient hospital treatment | ||||||
| - Restructured hospital subsidised - Restructured hospital non-subsidised[5] - Private hospital or private medical institution[5] |
100% 50% 50% |
67% 50% 50% |
Does not apply Does not apply 65% |
Does not apply Does not apply 65% |
Does not apply Does not apply 65% |
|
| Deductible for each policy year for an insured aged 80 years or below next birthday[6] | ||||||
| Inpatient | ||||||
| - Restructured hospital - Ward class C - Ward class B2 or B2+ - Ward class B1 - Ward class A |
$1,500 $2,000 $2,000 $2,000 |
$1,500 $2,000 $2,500 $2,500 |
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| - Private hospital or private medical institution | $2,000 | $2,500 | ||||
| - Community hospital - Ward class C - Ward class B2 or B2+ - Ward class B1 - Ward class A |
$1,500 $2,000 $2,000 $2,000 |
$1,500 $2,000 $2,500 $2,500 |
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| Day surgery or short-stay ward | ||||||
| - Subsidised - Non-subsidised |
$1,500 $1,500 |
$1,500 $2,000 |
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| Deductible for each policy year for an insured aged over 80 years at next birthday[6] | ||||||
| Inpatient | ||||||
| - Restructured hospital - Ward class C - Ward class B2 or B2+ - Ward class B1 - Ward class A |
$2,000 $3,000 $3,000 $3,000 |
$2,000 $3,000 $3,000 $3,000 |
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| - Private hospital or private medical institution | $3,000 | $3,000 | ||||
| - Community hospital - Ward class C - Ward class B2 or B2+ - Ward class B1 - Ward class A |
$2,000 $3,000 $3,000 $3,000 |
$2,000 $3,000 $3,000 $3,000 |
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| Day surgery or short-stay ward | ||||||
| - Subsidised - Non-subsidised |
$2,000 $2,000 |
$3,000 $3,000 |
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| Co-insurance | ||||||
| - Inpatient hospital treatment Claimable amount[7] $0 - $3,000 $3,001 - $5,000 $5,001 - $10,000 Above $10,000 |
10% 10% 5% 3% |
10% 10% 10% 10% |
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| - Outpatient hospital treatment | 10% | 10% | ||||
* An additional claim limit of $200 per day applies for the first 2 days
SG: Singapore Citizen; PR: Singapore Permanent Resident; FR: Foreigner
- Includes meals, prescriptions, medical consultations, miscellaneous medical charges, specialist consultations, examinations, and laboratory tests. Room, board and medical-related services include being admitted to a high-dependency ward.
- Includes charges for the following approved medical items:
- Intravascular electrodes used for electrophysiological procedures
- Percutaneous transluminal coronary angioplasty (PTCA) balloons
- Intra-aortic balloons (or balloon catheters) - To claim for staying in a community hospital,
- the insured must have first had inpatient hospital treatment in a restructured hospital or private hospital;
- after the insured is discharged from the restructured hospital or private hospital, they must immediately be admitted to a community hospital for a continuous period of time;
- the attending registered medical practitioner in the restructured or private hospital must have recommended in writing that the insured needs to be admitted to a community hospital for necessary medical treatment; and
- the treatment must arise from the same injury, illness or disease that resulted in the inpatient hospital treatment. - If the insured is admitted into a ward and medical institution that is higher than what they are entitled to, we will only pay the percentage of the reasonable expenses for necessary medical treatment of the insured as shown using the pro-ration factor that applies to the plan.
- Pro-ration for non-subsidised outpatient cancer treatments will apply for MediShield Life from 1 Nov 2016. Renal dialysis and immunosuppressant drugs approved under MediShield Life for organ transplant will not be pro-rated for MediShield Life.
- Deductible does not apply to outpatient hospital treatment.
- Claimable amount is the lower of (i) the claim limit in the table or (ii) the amount after adjusting the charges for pro-ration, if needed.
Information is correct as of 11 March 2021.
