Panels Comparison of Benefits

If you have purchased Deluxe Care Rider:

Benefits		Panel[1]	Extended Panel[2]	Non-panel
Cover deductible and co-insurance		Yes Up to benefit limits
Co-payment		5% co-payment of the benefits due under your policy[3]
Co-payment limit (each policy year)		Up to $3,000 limit		No limit
Extended panel[2] and non-panel payment (each policy year)		Not applicable	Up to $2,000 limit
Additional Cancer Drug Treatment Benefit[4][5] for outpatient treatments	Treatment on CDL[4] (each month)	One Primary Cancer: Enhanced IncomeShield Preferred: 18x MSHL Limit Enhanced IncomeShield Advantage: 18x MSHL Limit Enhanced IncomeShield Basic: 10x MSHL Limit IncomeShield Standard Plan: 6x MSHL Limit IncomeShield Plan P: 10x MSHL Limit IncomeShield Plan A: 10x MSHL Limit IncomeShield Plan B: 6x MSHL Limit IncomeShield Plan C: 6x MSHL Limit Multiple Primary Cancers[6]: Sum of the highest cancer drug treatment limit amongst the claimable treatments received for each primary cancer
	Non-CDL treatment[5] (each month)	One Primary Cancer: Enhanced IncomeShield Preferred: $15,000 Enhanced IncomeShield Advantage: $7,000 Enhanced IncomeShield Basic: $6,000 IncomeShield Standard Plan: $5,200 IncomeShield Plan P: $4,000 IncomeShield Plan A: $3,800 IncomeShield Plan B: $3,500 IncomeShield Plan C: $3,200 Multiple Primary Cancers[6]: Enhanced IncomeShield Preferred: $15,000 x number of primary cancers Enhanced IncomeShield Advantage: $7,000 x number of primary cancers Enhanced IncomeShield Basic: $6,000 x number of primary cancers IncomeShield Standard Plan: $5,200 x number of primary cancers IncomeShield Plan P: $4,000 x number of primary cancers IncomeShield Plan A: $3,800 x number of primary cancers IncomeShield Plan B: $3,500 x number of primary cancers IncomeShield Plan C: $3,200 x number of primary cancers
	Treatment on CDL co-payment	5% co-payment of the benefits due under your rider
		Up to $3,000 limit (each policy year)		No limit
	Non-CDL treatment co-payment	10% co-payment of the benefits due under your rider
		No limit
Extra Bed Benefit		Receive up to $80 each day (for a maximum of 10 days for each hospital stay) for the cost of an extra bed for you to sleep over if your insured child[7] gets warded

Non-panel: Registered medical practitioners, specialists, hospitals or medical institutions that are not our panel[1] or extended panel[2].

If you have purchased Classic Care Rider:

Benefits		Panel[1]	Extended Panel[2]	Non-panel
Cover deductible and co-insurance		Yes Up to benefit limits
Co-payment		10% co-payment of the benefits due under your policy[3]
Co-payment limit (each policy year)		Up to $3,000 limit		No limit
Extended panel[2] and non-panel payment (each policy year)		Not applicable	Up to $2,000 limit
Additional Cancer Drug Treatment Benefit[4][5] for outpatient treatments	Treatment on CDL[4] (each month)	One Primary Cancer: Enhanced IncomeShield Preferred: 18x MSHL Limit Enhanced IncomeShield Advantage: 18x MSHL Limit Enhanced IncomeShield Basic: 10x MSHL Limit IncomeShield Standard Plan: 6x MSHL Limit IncomeShield Plan P: 10x MSHL Limit IncomeShield Plan A: 10x MSHL Limit IncomeShield Plan B: 6x MSHL Limit IncomeShield Plan C: 6x MSHL Limit Multiple Primary Cancers[6]: Sum of the highest cancer drug treatment limit amongst the claimable treatments received for each primary cancer
	Non-CDL treatment[5] (each month)	One Primary Cancer: Enhanced IncomeShield Preferred: $15,000 Enhanced IncomeShield Advantage: $7,000 Enhanced IncomeShield Basic: $6,000 IncomeShield Standard Plan: $5,200 IncomeShield Plan P: $4,000 IncomeShield Plan A: $3,800 IncomeShield Plan B: $3,500 IncomeShield Plan C: $3,200 Multiple Primary Cancers[6]: Enhanced IncomeShield Preferred: $15,000 x number of primary cancers Enhanced IncomeShield Advantage: $7,000 x number of primary cancers Enhanced IncomeShield Basic: $6,000 x number of primary cancers IncomeShield Standard Plan: $5,200 x number of primary cancers IncomeShield Plan P: $4,000 x number of primary cancers IncomeShield Plan A: $3,800 x number of primary cancers IncomeShield Plan B: $3,500 x number of primary cancers IncomeShield Plan C: $3,200 x number of primary cancers
	Treatment on CDL co-payment	10% co-payment of the benefits due under your rider
		Up to $3,000 limit (each policy year)		No limit
	Non-CDL treatment co-payment	20% co-payment of the benefits due under your rider
		No limit
Extra Bed Benefit		Receive up to $80 each day (for a maximum of 10 days for each hospital stay) for the cost of an extra bed for you to sleep over if your insured child[7] gets warded

Non-panel: Registered medical practitioners, specialists, hospitals or medical institutions that are not our panel[1] or extended panel[2].

Important Notes

Footnotes

Panel or preferred partner means a registered medical practitioner, specialist, hospital or medical institution approved by Income Insurance. The lists of approved panels and preferred partners, which Income Insurance may update from time to time, can be found at income.com.sg/specialist-panel. The list of approved panels also includes all restructured hospitals, community hospitals and voluntary welfare organisations (VWO) dialysis centres.
Extended panel means a registered medical practitioner or specialist approved by Income Insurance to provide coverage on the benefits for this rider. The registered medical practitioner or specialist must not be on Income Insurance’s panel or preferred partners lists and must meet other criteria, including being on another Integrated Shield Plan provider’s panel listing. The approved extended panel list, which Income Insurance may update from time to time, can be found at income.com.sg/specialist-panel.
Subject to precise terms, conditions and exclusions specified in the policy conditions for Enhanced IncomeShield, IncomeShield Standard Plan, IncomeShield and riders.
The cancer drug treatment on the Cancer Drug List (CDL) benefit limit is based on a multiple of the MSHL Limit for the specific cancer drug treatment. For the latest MSHL Limit, refer to the CDL on MOH’s website under “MediShield Life Claim Limit per month” (go.gov.sg/moh-cancerdruglist). MOH may update this from time to time. The revised list will be applicable to the cancer drug treatment which occurred on and from the effective date of the revised list.
For outpatient cancer drug treatments not on the CDL, Income Insurance covers only treatments with drug classes A to E (according to LIA’s Non-CDL Classification Framework). Refer to lia.org.sg/media/3553/non-cdl-classification-framework.pdf for more details. LIA may update the list from time to time.
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. An application form for higher claim limits for the insured receiving treatment for multiple primary cancers is to be sent to Income Insurance and MOH by their registered medical practitioner for assessment of the Integrated Shield Plan and MediShield Life Plan coverage, respectively.
The insured child must be aged 18 years or below during the stay in the hospital under the insured child’s policy.

There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy conditions for the precise terms, conditions and exclusions of the plan. The policy conditions will be issued when your application is accepted.

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 for Deluxe Care Rider here and Classic Care Rider here. All our products are developed to benefit our customers but not all may be suitable for your specific needs. You should speak to a qualified insurance advisor before you purchase any product. 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 01 September 2024.

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IncomeShield Specialist Panels & Preferred Partners