Announcement
Benefit changes to IncomeShield (IS)
i) <REVISED> Radiosurgery including proton beam therapy – Category 4 Benefit
MediShield Life covers Radiosurgery including proton beam therapy – Category 4 in both inpatient and outpatient settings. From 1 October 2026, in alignment with MediShield Life, your policy will also cover Radiosurgery in both inpatient and outpatient settings. This benefit will also be re-classified under Special Benefits.
ii) <REVISED> Cancer Drug Services Benefit
To align with other claim limits, your policy’s Cancer Drug Services benefit will change from being tied to MediShield Life benefit limit to a fixed dollar amount.
iii) <NEW> Outpatient Deductible
From 1 October 2026, your policy will introduce a $500 annual deductible for outpatient claims. This outpatient deductible can be used to fulfil the annual deductible requirement in your policy.
Please refer to the policy conditions for further details.
Updates on Deluxe Care, Plus, Classic Care and Assist rider
As Deluxe Care rider and Classic Care rider do not meet MOH’s new requirements for Integrated Shield Plan (IP) riders, both riders will be withdrawn from 1 April 2026 onwards.
Policyholders will not be allowed to purchase the Deluxe Care rider or Classic Care rider from 1 April 2026. Existing policyholders of Deluxe Care rider will not be allowed to downgrade their rider to Classic Care rider, and those on Classic Care rider will not be allowed to upgrade to Deluxe Care rider.
If policyholders had bought a Deluxe Care, Plus, Classic Care or Assist rider before 27 November 2025, MOH’s new requirements for IP riders will not apply to the existing rider for now. At this juncture, the existing rider will continue to cover the IP main plan’s deductible and the co-payment limit remains at $3,000 in each policy year.
If the purchase of the Deluxe Care or Classic Care rider is between 27 November 2025 and 31 March 2026 (both dates inclusive), MOH’s new requirements for IP riders will apply to the Deluxe Care or Classic Care rider no later than the next policy renewal after 1 April 2028. More information will be shared with these policyholders in due course.
As part of our regular review of our IP plans and IP riders, we will continue to assess if changes will be needed to keep healthcare insurance sustainable for our policyholders. Like always, we will keep our policyholders informed of policy changes, if any.
For more information on the changes, please read our FAQs here.
The Ministry of Health (MOH) has introduced new design requirements for Integrated Shield Plan (IP) riders that are made available for sale from 1 April 2026 onwards, as per their announcement on 26 November 2025.
The new requirements are:
i) No coverage for minimum IP deductible – IP riders will not cover the main plan’s minimum deductible.
ii) Higher co-payment cap – the minimum co-payment cap of IP riders will increase from $3,000 to $6,000 in each policy year.
The co-payment cap will also exclude the IP main plan’s minimum deductible.
For more details on the new requirements for IP riders, you can refer to MOH’s announcement at go.gov.sg/ipriderchanges2025.
For new customers
If you were to buy a Deluxe Care or Classic Care rider from 27 November 2025 to 31 March 2026 (both dates inclusive), the new requirements will apply to your Deluxe Care or Classic Care rider no later than your next policy renewal after 1 April 2028.
For existing customers
If you had bought a Deluxe Care, Plus, Classic Care or Assist rider before 27 November 2025, the new requirements will not apply to your existing rider for now. As part of our regular review of our IP plans and IP riders, we will continue to assess if changes will be needed to keep healthcare insurance sustainable for our policyholders. Like always, we will keep our policyholders informed of policy changes, if any.
For more details on the impact of the new requirements to Income’s IP riders, please read our FAQs here.
Should you have further queries, we would be most happy to assist you via your preferred mode of contact at income.com.sg/contact-us.
This plan is not available for upgrade or downgrade as of 1 March 2019. Only Change of Plan corresponding to the nationality is allowed.
If you are looking for a medical insurance plan, consider our Enhanced IncomeShield Plan or IncomeShield Standard Plan which are available for purchase.
Here’s how IncomeShield complements your MediShield Life[5] (MSHL) coverage
From $200,000 (with MSHL[5]) to up to $300,000.
For selected inpatient[1] and outpatient[1] hospital expenses.
Enjoy these additional benefits
Reimburse pre- and post-hospitalisation expenses[1]<sup>,</sup>[2] for eligible medical treatment up to 90 days before and after hospitalisation.
Get reimbursed for emergency inpatient hospital treatment expenses[1] while overseas.
Waive hospital deposits with a Letter of Guarantee[3].
Access to our panels[4] of over 600 specialists across various specialties and sub-specialties in private practice island-wide, specially curated to meet your medical needs at quality clinical standards.
Your policy toolkit
Eligibility and payment frequency
IncomeShield is no longer available for new applications, upgrades or downgrades. Only Change of Plan corresponding to the nationality is allowed.
View full premium table for Main Plan
Learn more about the drivers of premium here.
Payment Frequency
You need to make payment every year.
Policy conditions
Your queries answered
An Integrated Shield Plan (IP) consists of two parts – the MediShield Life portion which is managed by the Central Provident Fund (CPF) Board and an additional private insurance coverage portion offered by a private insurer.
The MediShield Life portion is designed for Class B2/C wards stays in restructured hospitals. The additional insurance coverage offered by the private insurer will increase your level of protection beyond medical care provided at Class B2/C wards in restructured hospitals.
IncomeShield are IPs offered by Income Insurance Limited (Income Insurance).
The MediShield Life portion is designed to cover treatment in Class B2/C wards in restructured hospitals and pays only up to MediShield Life benefit limits, when you stay in higher class wards in restructured hospitals or private hospitals. With lower or no government subsidies, treatments at higher class wards in restructured hospitals or private hospitals are more expensive.
IncomeShield helps to provide Singapore Citizens and Permanent Residents who wish to stay in higher ward classes with additional coverage so that policyholders can be more adequately protected.
IncomeShield also covers you for certain benefits that are not included under MediShield Life. This includes coverage for pre- and post-hospitalisation expenses and emergency overseas treatment. With these benefits, IncomeShield takes care of your hospital and surgical expenses and provides you with peace of mind while you recuperate. With higher benefits, IncomeShield premiums are also higher than MediShield Life premiums.
We encourage you to decide on a plan that meets your needs, taking into consideration your preferred ward class and level of benefits, and affordability of premiums over the long-term.
There is no duplicate coverage between MediShield Life and IncomeShield.
Policyholders covered under IncomeShield will enjoy the combined benefits of MediShield Life which provides hospitalisation coverage targeted at Class B2/C wards and the additional private insurance coverage targeted at higher class wards in restructured or even private hospitals depending on your plan.
Your IncomeShield premium is made up of the MediShield Life premium and an additional private insurance coverage premium. Hence, you are not paying double premiums.
IncomeShield policyholders will receive the applicable MediShield Life subsidies for the MediShield Life portion.
MediShield Life is able to cover pre-existing conditions because the cost of providing such coverage is shared among those with pre-existing conditions, the community and the government, which bears the bulk of the costs.
Unlike MediShield Life, private insurers are unable to provide cover for pre-existing conditions. Hence, these pre-existing conditions will continue to be excluded from the additional private insurance coverage portion under your IncomeShield.
Riders are not part of Integrated Shield Plans (IPs), as they are not approved by Ministry of Health (MOH) for MediSave use.
Riders are complementary products introduced by private insurers to cover the co-insurance and deductible portions of your bill when you make a claim under your Integrated Shield Plan (IP). Some riders also provide additional benefits when you are hospitalised. Please refer to the respective policy contract for more information.
As Riders are not MediSave-approved plans, policyholders will need to pay for them separately by cash.
With the launch of MediShield Life, there will be two parts to MediSave’s use for IP premiums.
The first part is for MediShield Life premiums which can be fully payable by MediSave.
The second part is called the Additional Withdrawal Limit (AWLs), which is the maximum MediSave limit that you can use for your IncomeShield’s additional private insurance coverage premiums.
If your additional private insurance coverage premium costs more than the AWL, you will have to pay the balance in cash. You can refer to the Cash Outlay indicated in your payment notice letter. With the new AWLs, Singaporeans will be able to use the same amount or more of their MediSave to pay the additional private insurance coverage component of their IP premiums than before. This is provided that there is no change in plans or age bands.
Deductible means the part of the benefit you are claiming that the insured must pay before we will pay any benefit. The deductible is shown in the schedule of benefits. Co-insurance means the amount that you need to pay after the deductible. The co-insurance percentages for the benefits are shown in the schedule of benefits. Co-insurance applies to all claims made under your policy except for final expenses benefit.
After you have been accepted, any change to your health status does not affect your current insurance coverage.
You can access our health coverage tool here to find out if your treatment is covered under your plan and get helpful information you need to file your claims. All claims submitted are subjected to review in accordance with the terms and conditions of the policies.
For existing IncomeShield policyholders, you can choose to upgrade your plan to enjoy better benefit by submitting an upgrade request via My Income customer portal or you can speak to your advisor.
You will need to meet the entry requirements (e.g. maximum entry age) of the plan you wish to upgrade to. Any upgrade of plans will require underwriting.
No, you will continue to enjoy cover up to the benefit limits of your previous plan for these medical conditions. For your upgraded plan, you will be covered for any other medical conditions that you are not excluded from.
No, upon approval of your upgrade application, we will issue you a new policy contract. The change will take effect on the start date indicated on your policy contract. To upgrade to Enhanced IncomeShield plan, you need to be 75 years old and below (age next birthday).
Upon a request to upgrade your plan, the current policy will be terminated and a new set of policy document will be issued to you. Any unused premiums from the terminated policy will be refunded to you.
We are using the same policy number for your new plan as it is essentially a conversion or upgrade of plan. This will make it easier for you to remember your policy number.
If you wish to upgrade to a higher plan after your first upgrade, you can do so after 40 days from the start date of your upgraded plan.
The refund of your pro-rated premium for your previous plan can only be processed after CPF Board confirms on the activation of your upgraded plan. Furthermore, refunds are processed in batches. Therefore, the refund for your previous plan and the premium deduction for your upgraded plan may not coincide.
Each insured person is issued an individual insurance policy. Therefore, each upgrade is processed independently and may result in a time difference when receiving your policy contracts.
Yes, you can. However, you should note that re-application will be subject to Income Insurance’s underwriting and acceptance.
If you are a Singapore Citizen or Permanent Resident, even though you have terminated your Enhanced IncomeShield/ IncomeShield/ IncomeShield Standard Plan, you will continue to be covered under MediShield Life.
We would like to highlight that by terminating your Enhanced IncomeShield/IncomeShield/IncomeShield Standard Plan, you will need to re-apply if you wish to be covered in the future. The acceptance of your new application will be subject to Income Insurance’s underwriting and acceptance. Before you terminate the cover, we hope that you will reconsider your decision as it is important for you to have medical insurance coverage to help defray part of the large medical bills in the event of a serious illness or prolonged hospitalisation.
Your re-application for Enhanced IncomeShield/IncomeShield/IncomeShield Standard Plan will be subject to Income Insurance’s underwriting and acceptance. Depending on the underwriting assessment, your application may be:
- Accepted at standard terms
- Accepted with exclusions on any pre-existing medical conditions
- Postponed or Declined
Anyone who pays for, or is insured under IncomeShield is not eligible for Additional Premium Support (APS) from the Government. ^
If you are currently receiving APS to pay for your MediShield Life and/or CareShield Life premiums, and you choose to be insured under IncomeShield, you will stop receiving APS. This applies even if you are not the person paying for IncomeShield. In addition, if you choose to be insured under IncomeShield, the person paying for IncomeShield will stop receiving APS, if he or she is currently receiving APS.
^ APS is for families who need assistance with MediShield Life and/or CareShield Life premiums, even after receiving premium subsidies and making use of MediSave to pay for these premiums.
You may submit your claims via My Income customer portal. For more information on our claim process and other channels to submit your claims, find out more here.
Understand the details
[1]Subject to co-insurance, deductibles, limits of compensation, precise terms, conditions and exclusions of this plan specified in the policy conditions or rider.
[2]Pre-hospitalisation and post-hospitalisation treatment are not covered for treatment given before or after inpatient psychiatric treatment, accident inpatient dental treatment or emergency overseas treatment. Pre-hospitalisation and post-hospitalisation treatment are also not payable if the inpatient hospital treatment received during the stay in hospital is not payable. Post-hospitalisation treatment such as medication bought during a period of post-hospitalisation treatment but not used during that period is not payable. To avoid doubt, pre-hospitalisation and post-hospitalisation treatment do not include inpatient hospital treatment or day surgery.
[3]Subject to individual hospital guidelines. Other terms and conditions apply.
[4]Panel or preferred partner means a registered medical practitioner, specialist, hospital or medical institution approved by us. Our list of approved panels also includes all restructured hospitals, community hospitals and voluntary welfare organisation (VWO) dialysis centres.
Extended panel means a registered medical practitioner or specialist approved by us to provide cover for the benefits under this rider. The registered medical practitioner or specialist must not also be on our lists of approved panels or preferred partners and must meet other criteria, including being on another Integrated Shield Plan provider’s panel list.
The list of our approved panels, preferred partners, and extended panel can be found at income.com.sg/specialist-panel. We may update this list from time to time.
[5]For more information on the benefits covered under MediShield Life (MSHL), you may refer to the MediShield Life Benefits published on the website of the Ministry of Health (MOH) at medishieldlife.sg.
There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.
IncomeShield is available as a MediSave-approved Integrated Shield Plan for the insured who is a Singapore Citizen or a Singapore Permanent Resident. This applies as long as the insured meets the eligibility conditions under MediShield Life. If the insured is a foreigner who has an eligible valid pass with a foreign identification number (FIN), IncomeShield is not available as an Integrated Shield Plan.
This is for general information only and does not constitute an offer, recommendation, solicitation, or advice to buy or sell any product(s). You can find the usual terms, conditions and exclusions of this policy at income.com.sg/incomeshield-policy-conditions.pdf. All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this product is suitable for you, we strongly encourage you to speak to a qualified insurance advisor. Otherwise, you may end up buying a product that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want. If you find that this policy is not suitable after purchasing it, you may terminate it within the free-look period and obtain a refund of the premiums paid. The premiums for this plan include distribution costs, if any.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income Insurance or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
Information is correct as at 01 October 2026 (SGT).
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