Income has withdrawn these 4 riders for new applications of Enhanced IncomeShield, IncomeShield and IncomeShield Standard Plan as of 1 March 2019 – Plus Rider, Assist Rider, Daily Cash Rider and Child Illness Rider.

Under the guidelines stipulated by the Ministry of Health (MOH), all Integrated Shield Plan (IP) insurers are to incorporate co-payment features in new IP riders. This is aligned with recommendations by the Health Insurance Task Force (HITF) to encourage all stakeholders to play a more active role in managing their medical care costs, and are part of collective efforts to ensure that medical care and health insurance remain accessible and sustainable in Singapore.

MOH has developed a Cancer Drug List (CDL) comprising clinically proven and more cost-effective cancer treatments. From 1 September 2022, MediShield Life (MSHL) and MediSave (MSV) will only cover treatments on the CDL. From 1 April 2023, we have introduced a new Additional Cancer Drug Treatment benefit for your Plus Rider and Assist Rider to supplement your coverage on outpatient cancer drug treatments.

Plus, Assist, Daily Cash and Child Illness Riders

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With Plus Rider[1], you will have to make a 5% co-payment of the benefits due under your policy, up to a co-payment limit of $3,000 for each policy year for treatments provided by medical specialists within our panel[2] or extended panel[3].

Get up to 18x MSHL claim limit monthly for outpatient treatments listed on the Cancer Drug List[4] (CDL), and up to $15,000 monthly for selected cancer drug treatments not listed on the CDL (non-CDL treatments[5]) with the additional cancer drug treatment benefit for one primary cancer[4][5].

We have also enhanced the coverage for multiple primary cancers[6] outpatient treatment claims, up to the sum of the highest cancer drug treatment monthly limit amongst the claimable CDL[4] treatments received for each primary cancer and up to $15,000 monthly on non-CDL treatments[5] for each primary cancer.

You may refer to the Policy Conditions for more details. 

With Assist Rider[1], you will have to make a 10% co-payment of the benefits due under your policy, up to a co-payment limit of $3,000 for each policy year for treatments provided by medical specialists within our panel[2] or extended panel[3].

Get up to 18x MSHL claim limit monthly for outpatient treatments listed on the Cancer Drug List[4] (CDL), and up to $15,000 monthly for selected cancer drug treatments not listed on the CDL (non-CDL treatments[5]) with the additional cancer drug treatment benefit for one primary cancer[4][5].

We have also enhanced the coverage for multiple primary cancers[6] outpatient treatment claims, up to the sum of the highest cancer drug treatment monthly limit amongst the claimable CDL[4] treatments received for each primary cancer and up to $15,000 monthly on non-CDL treatments[5] for each primary cancer.

You may refer to the Policy Conditions for more details. 

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Policy conditions for Plus Rider

Policy conditions for Assist Rider

Policy conditions for Daily Cash Rider

Policy conditions for Child Illness Rider

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Footnotes

  1. Subject to precise terms, conditions and exclusions specified in the policy conditions for Enhanced IncomeShield, IncomeShield Standard Plan, IncomeShield and riders.
  2. 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.
  3. 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.
  4. 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. The co-payment limit of $3,000 for each policy year applies for treatment provided by our panel or extended panel.
  5. 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 co-payment based on your rider will apply and it will not have any co-payment limit.
  6. 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 Ministry of Health (MOH) by their registered medical practitioner for assessment of your policy and MSHL Plan coverage, respectively.

Exclusions

There are certain conditions whereby the benefits under the 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.

Important notes

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 and conditions 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. 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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