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Here's what you can enjoy
Restructured Hospitals
Treatments provided by Restructured Hospitals are deemed as treatments provided by our Panel, and are hence eligible for the same benefits.
Panel Specialists
Additional benefits when you seek treatment from a specialist within our Panel. We have more than 600 specialists across various specialties and sub-specialties in private practice island-wide, specially curated to meet all your medical needs at quality clinical standards.
Pre- and Post-Hospitalisation
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.
How to find a suitable Specialist or Preferred Partner
For Information on IncomeShield plans and riders, please refer to our website at income.com.sg/health-insurance
Find a Specialist or Preferred Partner
Our list of approved panels and preferred partners will be updated periodically. Please refer to the list or contact us for enquiries.
Whether you are seeking treatment from a specialist from any restructured hospital, our Panel[2], Preferred Partners[2] or Extended Panel[3], 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.
For specialists within the Extended Panel, click here to view the list.
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 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 600 specialists across Singapore from different specialties and sub-specialties on the Panel.
Our Panel criteria include specialists registered with Singapore Medical Council, specialist practice experience preferably 5 years or more, a clean professional track record and required specialty/sub-specialty or clinical interest. Other additional criteria include historical claims experience, clinical outcomes submission and strategic partnership with healthcare institutions.
Specialists or preferred partners must review and agree to terms and conditions of the Panel Agreement.
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-panel. However, 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.
The Preferred Partners (O&G) provides easy 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.
The introduction of the Preferred Partners is part of Income’s commitment towards active management of diverse healthcare needs and ensure healthcare and health insurance remains accessible and sustainable in Singapore.
This will provide you with access to a list of quality specialists in obstetrics. In addition, for selected Enhanced IncomeShield plans, you will have enhanced coverage of 18 types of complications under the pregnancy and delivery-related complications benefit.
The Preferred Partners (O&G) are also part of the IncomeShield Specialist Panel, and you will also enjoy the benefits under this Panel.
For more product information, please refer to our website at www.income.com.sg
Please refer to the IncomeShield Specialist Panel website for the Income Preferred Partners (O&G) list.*
* O&G services received at KKH, NUH and SGH will also be regarded as preferred partners.
You do not need a referral to see our panel of specialists. However, it is always prudent to first consult a GP for non-emergency conditions or symptoms for advice, before booking an appointment with the specialist.
There is no discount for outpatient consultations with specialists from our Panel. Our Panel arrangement is intended to provide you prompt and easy access to a team of quality healthcare professionals. These specialists will charge reasonable fees which commensurate with their professional services rendered, while ensuring that your healthcare and medical needs are addressed appropriately.
Using our panel of healthcare providers supports the management of healthcare cost and medical claims, which is in line with recommendations made by the Health Insurance Task Force to make healthcare and health insurance sustainable in Singapore.
The practice of having a panel has proven to be effective in managing fees charged by healthcare providers, and is a common approach for other insurance schemes such as employee benefit insurance.
Understand the details
[1] 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. We do not cover pre-hospitalisation and post-hospitalisation treatment if, under the policy, we do not pay for the inpatient hospital treatment received during the stay in the hospital. Post-hospitalisation treatment, such as medication bought during a period of post-hospitalisation treatment but not used during that period, is not covered.
If the inpatient hospital treatment is provided by our panel and paid for under the Enhanced IncomeShield Preferred plan, we will cover the cost of medical treatment the insured received in the policy year for up to 180 days before the date they went into the hospital and up to 365 days after the date they left the hospital.
Please refer to the policy conditions for further details.
[2] Panel or preferred partner means a registered medical practitioner, specialist, hospital or medical institution approved by us. The list of approved panels and preferred partners, which we may update from time to time, can be found on this page. Our list of approved panels also includes all restructured hospitals, community hospitals and voluntary welfare organisations (VWO) dialysis centres.
[3] 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 extended panel can be found on this page. We may update this list from time to time.
[4] Endorsement refers to a clause under which we may change the cover we provide. The endorsement which applies to your policy is shown in the schedule or the certificate of insurance.
Enhanced IncomeShield, IncomeShield Standard Plan and IncomeShield are 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), Enhanced IncomeShield, IncomeShield Standard Plan and IncomeShield are 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 these plans in their respective 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 advisor. 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. If you find that this plan is not suitable after purchasing it, you may terminate it within the free-look period and obtain a refund of the premiums paid.
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 websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)
Information is correct as at 14 Jan 2026
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