Here’s what you get with
IncomeShield Specialist Panel & Preferred Partners.

  • Access to more than 300 specialists across various specialties and sub-specialties in private practice island-wide, specially curated to meet all your medical needs at quality clinical standards.

  • Reimbursement of treatment expenses[1] incurred up to 180 days before and 365 days after hospitalisation if the inpatient hospital treatment is provided by our Specialist Panel[2] and paid for under the Enhanced IncomeShield Preferred plan.

  • Enhanced coverage of 17 types of pregnancy and delivery-related complications when treatment is provided by our Obstetrics & Gynaecology (O&G) Preferred Partners.

  • Treatments provided by Restructured Hospitals are deemed as treatments provided by our Specialist Panel, and are hence eligible for the same benefits.

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Restructured Hospital

Restructured hospitals provide well-integrated and specialty-led care for complex medical conditions, and can refer patients to appropriate care centres when needed. This is also an economical option for policyholders who are concerned about the cost of their medical bill. Find out more

 

Preferred Partner (Renal Dialysis)

Our Preferred Partners include those that are specialised in providing quality care for patients with end-stage renal disease through dialysis. Find out more

How to find a suitable Specialist or Preferred Partner

  • Unsure about your policy coverage? For the precise terms and conditions of your cover, please refer to the actual policy and any endorsement[3] issued to you. Learn more about the hospitalisation coverage and entitlements that your IncomeShield plan provides below.

    Ward entitlement As charged, for standard room in private hospitals
    Deductible & co-insurance Applies if no rider
    Pro ration Does not apply
    Sub-limits Does not apply
    Ward entitlement As charged, up to ward class A in public hospitals
    Deductible & co-insurance Applies if no rider
    Pro ration Applies for admission in private hospitals.
    Does not apply for public hospitals.
    Sub-limits Does not apply
    Ward entitlement As charged, up to ward class B1 in public hospitals
    Deductible & co-insurance Applies if no rider
    Pro ration Applies for admission in private hospitals and for admission to ward A in public hospitals.
    Does not apply for admission to other ward types in public hospitals.
    Sub-limits Does not apply
    Ward entitlement As charged, up to Ward class B2 in public hospitals
    Deductible & co-insurance Applies if no rider
    Pro ration Applies for admission in private hospitals and for admission to ward class A and B1 in public hospitals.
    Does not apply for admission to other ward types in public hospitals.
    Sub-limits Does not apply
    Ward entitlement Not as charged, subject to policy limits
    Deductible & co-insurance Applies if no rider
    Pro ration Applies for admission in private hospitals and for admission to ward class A and B1 in public hospitals.
    Does not apply for admission to other ward types in public hospitals.
    Sub-limits Applies
    Ward entitlement Not as charged, subject to policy limits
    Deductible & co-insurance Applies if no rider
    Pro ration Does not apply
    Sub-limits Applies
    Ward entitlement Not as charged, subject to policy limits
    Deductible & co-insurance Applies if no rider
    Pro ration Does not apply
    Sub-limits Applies
    Ward entitlement Not as charged, subject to policy limits
    Deductible & co-insurance Applies if no rider
    Pro ration Does not apply
    Sub-limits Applies
    Ward entitlement Not as charged, subject to policy limits
    Deductible & co-insurance Applies if no rider
    Pro ration Does not apply
    Sub-limits Applies
  • Specialist Panel

    • Recommended for those covered under the Enhanced IncomeShield Preferred plan which entitles you to a higher claimable amount for treatments provided by Specialists or in private hospitals.

    • Access to a wide range of Specialists who are specially selected for their reputation and experience in their fields to address your medical needs.

    Preferred Partner

    • Access to a team of reputable and qualified O&G Specialists, specially curated to look after the needs of our women policyholders and their pregnancies. For selected Enhanced IncomeShield plans, you will also have enhanced coverage of 17 types of complications under the pregnancy and delivery-related complications benefit.

    • Our Preferred Partners include those who are specialised in providing quality care for patients with end-stage renal disease through dialysis. Find out more

  • Effect of prolonged consultations

     

    You should consider the effect of extensive treatments or prolonged consultations on the amount that you have to pay on your own after your hospitalisation as IncomeShield plans cover post-hospitalisation treatments up to a fixed number of days only, depending on your plan and riders purchased. Consultation fees and other charges that you incur after the stipulated period are not claimable.

     

    You will enjoy extended coverage for post-hospitalisation treatment up to 365 days for the Enhanced IncomeShield Preferred Plan if your inpatient hospital treatment is provided by our Panel.

     

    Effect of sub-limits

     

    Sub-limits apply to IncomeShield plans that are not as charged. They are limits that put a cap on the amount of coverage for various hospital items such as, the daily room charges. This means you have to pay for charges that exceed the sub-limits which are not claimable.

     

    Effect of deductible and co-insurance

     

    If you have not purchased any rider, you will incur deductible and co-insurance. Depending on the type of riders that you buy, you may also need to pay a co-payment amount of up to 10%, and an additional non-panel payment of up to $2,000 if your inpatient hospital treatment is not provided by our Panel.

Find a Specialist or Preferred Partner

Important note

Whether you are seeking treatment from a specialist from any restructured hospital, or our Panel Specialists[2] or Preferred Partners[2], your bill still needs to be assessed according to the terms of your IncomeShield policy to determine if you are covered, and how much you are covered for.

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Your queries answered.

The Panel offers those insured under IncomeShield easy access to a team of reputable and qualified medical specialists in private practice across various specialties, conveniently located island-wide.

The introduction of the Panel shows Income’s commitment to ensure that our health insurance remains accessible, affordable and sustainable for everyone in Singapore. It is also aligned with recommendations by the Health Insurance Task Force to encourage all stakeholders to play a more active role in managing medical care costs and be part of the collective effort to keep healthcare and health insurance accessible and sustainable in Singapore.

We only select reputable, qualified and experienced healthcare professionals in their respective fields to offer appropriate and affordable medical care to our policyholders. Currently, we have more than 300 specialists across Singapore from different specialties and sub-specialties on the Panel.

We will continue to review the suitability of specialists on our panel regularly to ensure that we continue to offer our customers choice when it comes to meeting their healthcare and medical needs.

All IncomeShield policyholders or insureds can access and book appointments directly with specialists on our panel with information on our website at www.income.com.sg/specialist-panelHowever, before you decide to consult our panel of specialists, it is important for you to consider the plan type as you may be subjected to the effect of pro-ration or sub-limits.

The “effect of pro-ration” reduces the amount you can claim for the medical consultation or treatment by our panel of specialists as the claimable amount is pro-rated.

The “effect of sub-limit” requires you to pay for charges that exceed the sub-limits as they place a cap on the amount of coverage for various hospital items such as, the daily room charge.

It gives you access to quality specialists that are selected for their reputation and experience in their fields.

You will also enjoy a co-payment limit with the Deluxe Care Rider or Classic Care Rider, and extended coverage for pre-and post-hospitalisation treatment if your inpatient hospital treatment is provided by our Panel for the Enhanced IncomeShield Preferred Plan.

For product information, please refer to our website at www.income.com.sg

To determine the precise terms and conditions of your cover, please refer to the actual policy and any endorsement issued to you.

In addition, if you are eligible for our Letter of Guarantee (LOG) and are consulting a specialist from our panel, you can benefit from a LOG amount of up to $20,000, while it is $10,000 for choosing a specialist who falls outside our panel. For choosing a specialist from a public hospital, the LOG amount is up to $30,000.

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