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Announcement
Here’s what Managed Healthcare System offers you.
To our panel GP clinics or polyclinics[1] at only $5 co-payment per visit.
Up to $10 per visit to non-panel GP clinics for a maximum of three visits per policy year.
At our panel clinics at only $15 co-payment[2] per visit upon referral by our panel GP doctors.
You will only need to co-pay 10% of your total eligible hospital bill, as well as the expenses in excess of your plan limits[3].
You will only need to co-pay $10 for any emergency care in any restructured hospital in Singapore.
For a closer look at your coverage.
Primary care benefit
For specialised investigations (e.g. CT scans, MRI, Barium Studies), you will have to co-pay 10% of the cost of investigations.
Emergency care
For emergencies in private hospitals or clinics, you will need to pay for the full medical charges first and Income Insurance will reimburse you up to $70 per visit after the $10 co-payment.
Full list of panel clinics for Managed Healthcare System
You may view our full list of panel clinics for Managed Healthcare System below.
How much you need to pay.
This product is no longer available for new applications.
View the full premium table for premium rates that will take effect when you renew your Managed Healthcare System.
Your policy toolkit
Policy conditions
Other documents
Your queries answered.
Yes. According to Clause 18 of the MHS policy contract – Change of Terms and Conditions, we may at our discretion at any time change our premium rates or modify the terms and conditions of the policy, by giving the policyholder thirty (30) days’ written notice at the policyholder’s last known address.
If adverse claims experience persists, combined with medical inflation, it will be necessary for us to review the premiums of MHS in future. This is to ensure the viability and sustainability of this policy.
The premium revisions will take effect upon policy renewal from 1 February 2013 onwards.
As a provider of managed healthcare insurance coverage, we review our plans regularly in response to changes in the healthcare landscape so that our premiums are able to sustain the benefits provided under this scheme.
The premiums have not changed since 2001, barring the GST increase in July 2007. However, in order for us to continue supporting the current MHS benefits against the general medical inflation of about 3% per annum (MOH Press Releases, “MOH to enhance MediShield Coverage”, 18 July 2012), the revision of premiums is necessary.
The changing demographics, evolving medical needs of Singapore, raising business costs, inflation are some of the factors effecting the revisions. Furthermore, the environment in which we operate in no longer supports our capitation-based business model.
Should your PCC decide not to join the revised PCC, they will be termed as Non-Panel. You will only be reimbursed up to the maximum of S$10 with a limit of 3 visits per policy year. Please refer to your contract for terms and conditions.
You will no longer be restricted to one preferred Primary Care Clinic (PCC). You will be able to visit any of the clinics in our revised MHS GP Panel. The new list of clinics is available here.
Yes, they are. You can visit any of the Polyclinics in Singapore for medical consultation. As Polyclinics in Singapore do not have direct billing facilities with us, you are required to pay cash and seek reimbursement from Income. However, the admissibility of claim(s) submitted is still subject to contract terms and conditions.
No, if you are currently a MHS individual Policyholder (PH). We will terminate your policy only if you have not paid the annual premium and there is outstanding account payable to us.
No. In fact new businesses under the group account for MHS were ceased on 1 Jan 2008. This is due to the low take up rate.
You can make your claims directly or through your agent by downloading the claim forms from here.
Please remember to attach the original receipts and other relevant documents, where applicable to
Income Centre, 75 Bras Basah Road,
#03-00 (GH – MHS Claims),
Singapore 189557
It will take 14 working days upon receipt of complete documents.
As we have revised the MHS business model, the selection of PCC and APCC is no longer relevant.
Understand the details
[1]For visits to polyclinics, you will need to pay for the full medical bill first and seek reimbursement from Income, less the co-payment of $5.
[2]For Singapore General Hospital, Tan Tock Seng Hospital, Alexandra Hospital, Changi General Hospital, National University Hospital, National Heart Centre and National Cancer Centre, Khoo Teck Puat Hospital and Jurong Medical Centre, you will have to co-pay $15 after receiving the treatment. MHS benefits are not applicable for visits or expenses relating to dialysis, erythropoietin, cyclosporine, radiotherapy, chemotherapy & medications, immunotherapy, traditional chinese medicine treatment, physiotherapy, rehabilitative and diabetic services.
For KK Women's and Children's Hospital, National Skin Centre, Singapore National Eye Centre, and the National Neuroscience Institute of Singapore, you will need to settle the full bill first before seeking reimbursement from Income.
For private specialist outpatient clinics, you will have to co-pay $15 per visit, and you can claim up to $100 per visit.
For specialised investigations (e.g. CT scans, MRI, Barium Studies), you will have to co-pay 10% of the cost of investigations.
[3]Medical expenses incurred overseas are not covered unless they are for inpatient treatment required as a result of an emergency whilst overseas.
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.
This page is for general information only. You can find the usual terms and conditions of this plan in the policy conditions. 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 plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan 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.
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 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 23 January 2026
Learn more about health insurance.
Understand how your MediSave account works with CPF contributions. See how your salary is allocated by age and what healthcare expenses MediSave can be used for.
Let us help you
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