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Important Announcements

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(I) Benefit enhancements to Enhanced IncomeShield (EIS)

Our IncomeShield health insurance plans are designed to provide our customers with sustainable protection that meets their long-term healthcare needs. To do this, we annually review our scope of coverage to ensure that it keeps pace with the needs of our policyholders and medical advancements. From 1 September 2024, upon renewal of the policy, the following benefits will have increased limits:

a) Increased outpatient cancer drug treatment and cancer drug services benefit limits for one primary cancer for Enhanced Advantage, Enhanced Basic and Enhanced C plans.

b) Increased outpatient cancer drug treatment and cancer drug services benefit limits for multiple primary cancers for all EIS plans. (The term ‘multiple primary cancers’ is defined as two or more cancers arising from different sites and are of a different histology or morphology group.)

c) Increased inpatient psychiatric treatment benefit limits for all EIS plans.

 

(II) Benefit enhancements to Deluxe Care rider and Classic Care rider

We will also be enhancing the following benefits for your rider from 1 September 2024 to supplement your coverage on outpatient cancer drug treatments:

a) Increased additional cancer drug treatment benefit limits for one primary cancer for all riders attached to EIS plans.

b) Increased additional cancer drug treatment benefit limits for multiple primary cancers for all riders attached to EIS plans.

 

(III) New Welcome Discount for Enhanced IncomeShield, Deluxe Care rider and Classic Care rider (for new applications only)

From 1 September 2024 to 31 August 2025, a one-time 20% Welcome Discount will be applicable to the first-year premium for any new application for Enhanced Preferred, Enhanced Advantage, Enhanced Basic, Deluxe Care rider and Classic Care rider if there is no additional exclusion or premium loading applied to the policy upon policy issuance.

The Welcome Discount is applicable to the premium payable for additional private insurance coverage portion (does not include the MediShield Life (MSHL) portion) of the main plans and the entire premium for the riders, if the rider is taken up together with the main plan at the same time.

Click here to view the policy and rider benefit limits under each of the above benefits. Please refer to your policy conditions for the precise terms, conditions and exclusions of the respective benefits.

Click here for the full Welcome Discount terms and conditions.

The Ministry of Health (MOH) has developed a Cancer Drug List (CDL) comprising clinically proven and more cost-effective cancer treatments. From 1 September 2022, MediShield Life (MSHL) and MediSave (MSV) will only cover treatments on the CDL. For all Integrated Shield Plans (IPs), the CDL will take effect from 1 April 2023, upon the renewal of your policy. Customers with riders can claim for selected cancer drug treatments beyond the CDL.

Upon renewal of your policy, the outpatient Chemotherapy and Immunotherapy benefit will be replaced with a new outpatient Cancer Drug Treatment benefit and Cancer Drug Services benefit:

  • Cancer Drug Treatment benefit – Only outpatient cancer drug treatments on the CDL will be claimable under your Policy, up to the treatment-specific benefit limits. Selected outpatient cancer drug treatments beyond the CDL will be claimable under riders. If you require cancer treatment following the changes, please consult your doctor early on whether your treatment is on the CDL.
  • Cancer Drug Services benefit – Services that are part of any outpatient cancer drug treatment (including services for treatments not on the CDL), such as consultations, scans, lab investigations, treatment preparation and administration, supportive care drugs and blood transfusions, will be claimable under the Cancer Drug Services benefit, up to specified benefit limits.

We will also be introducing a new Additional Cancer Drug Treatment benefit for your rider from 1 April 2023 to supplement your coverage on outpatient cancer drug treatments:

  • Additional Cancer Drug Treatment benefit – Outpatient cancer drug treatments on the CDL, and non-CDL treatments under drug classes A to E, will be claimable under your rider, up to the treatment-specific benefit limits for CDL treatments and monthly limits for non-CDL treatments. A co-payment is payable for each claim, and it will vary according to the type of cancer drug treatment.

On CDL: For outpatient cancer drug treatments on the CDL, the rider benefit limit will be an additional 200% of your respective Policy benefit limit on Cancer Drug Treatment. This rider benefit limit will be on top of your respective Policy benefit limit on Cancer Drug Treatment. The co-payment based on your rider will apply. For treatment provided by our panel or extended panel, the co-payment limit will be up to $3,000 for each policy year. 

On non-CDL under drug classes from A to E: For outpatient cancer drug treatments classified as non-CDL under drug classes A to E, the rider benefit limit will be up to $15,000 (each month), according to your respective Policy. The co-payment based on your rider will apply and it will not have any co-payment limit.

Click here to view the Policy and rider benefit limits and coverage under each of the above benefits.

To view a sample of our one time communication letter for Enhanced IncomeShield and Deluxe Care Rider, click here; for Enhanced IncomeShield and Classic Care Rider, click here.

For more information, please read our FAQs here.

From 1 Sep 2022, MediShield Life will shift to cover a Cancer Drug List (CDL) of clinically proven and more cost-effective outpatient cancer drug treatments. This will help ensure greater affordability of cancer treatments and insurance in the longer term.

Prior to 1 Sep 2022, patients could claim up to $3,000 per month under MediShield Life for all outpatient cancer drug treatments and related services. From 1 Sep 2022, the claim limits will range from $200 to $9,600 per month depending on the cancer drug treatment. An additional $3,600 per year is claimable for cancer drug services.

All Integrated Shield Plans (IPs) will also follow the CDL and introduce claim limits, when policyholders purchase or renew their policies from 1 April 2023. IPs will not cover treatments not on the CDL. Riders will cover selected treatments not on the CDL, to varying extents. More details on IP and rider coverage of cancer drug treatments and services have been shared with policyholders in end 2022.

For more information, visit MOH’s website here.

Did you know

Enhance your MediShield Life coverage with Enhanced IncomeShield

Enjoy high levels of coverage with these benefits

Pick the plan that meets your needs.

Preferred

Advantage

Basic



For a more detailed look at what you are covered for, you may view the full coverage table here.

If you are a Singaporean Citizen or Permanent Resident, you may apply for this plan online.

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Your policy toolkit.

To apply or upgrade to Enhanced IncomeShield, the last entry age is 75 (based on the insured's age next birthday). 

To apply for Deluxe Care Rider or Classic Care Rider, the last entry age is 75 (based on the insured's age next birthday). The plan selected for the Deluxe Care Rider or Classic Care Rider must be the same as your Enhanced IncomeShield plan.

You need to make payment every year.

View full premium table for Main Plan

View full premium table for Deluxe Care Rider

View full premium table for Classic Care Rider

You may refer to MOH’s website for a comparison of Integrated Shield Plans (IPs) across all insurers, including the estimated premiums you have to pay for an IP over your lifetime.

Learn more about the drivers of premium here.

Ways to pay for Enhanced IncomeShield.

Find out how you can make payment for your policy by choosing from the preferred methods below. For other accepted payment modes, you may get in touch with us through your preferred mode of contact at income.com.sg/contact-us.

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