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Income Insurance has withdrawn these 4 riders for new applications of Enhanced IncomeShield, IncomeShield and IncomeShield Standard Plan as of 1 March 2019 – Plus Rider, Assist Rider, Daily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 Cancer Drug List. 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
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[4] listed on the Cancer Drug List (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.
We have also enhanced the coverage for multiple primary cancers outpatient treatment claims, up to the total of the highest limits among the covered cancer drug treatments[4] on the CDL that are administered for each primary cancer in that month 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[4] listed on the Cancer Drug List (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.
We have also enhanced the coverage for multiple primary cancers outpatient treatment claims, up to the total of the highest limits among the covered cancer drug treatments[4] on the CDL that are administered for each primary cancer in that month 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.
Daily Cash Rider[1] provides you with additional cash benefit for each day you are hospitalised, and a get-well benefit upon your discharge.
Your queries answered.
This rider has been withdrawn for new applications as of 1 Mar 2019. Daily Cash Rider provides you with additional cash benefit for each day you are hospitalised, and a get-well benefit upon your discharge, based on the plan type you are insured under.
| Benefit Type | Preferred/ Plan P | Advantage/ Plan A | Basic/Enhanced C IncomeShield Standard Plan /Plan B/Plan C |
| Daily cash benefit (each day) | $150 | $100 | $50 |
| Get-well benefit | $300 | $250 | $100 |
For Day Surgery, the Daily Cash benefit will be paid only if the surgery is done in a Restructured or Private Hospital in Singapore, with at least one day Room and Board charged.
You must be hospitalised for at least 48 hours in order to claim for the get-well benefit. You must also survive the hospitalisation.
The waiting period is 30 days from the start date or the last reinstatement date (if any) of the Daily Cash Rider.
You can claim under the Daily Cash Rider for hospitalisation in Singapore only.
- Inpatient Psychiatric Treatment
- Pregnancy Complication
- Congenital Abnormalities
- Emergency Overseas Treatment
The Daily Cash Rider will only pay for one day under the Daily Cash benefit.
If you have been discharged from the hospital for a continuous period of more than 90 days, any subsequent hospitalisation for the same accident or illness from the same confirmed diagnosis will be treated as arising from a separate or different accident or illness.
Scenario A: Your 1st hospitalisation is 200 days. After you get discharged, more than 90 days has passed before your 2nd hospitalisation of 200 days. The benefit payable will be 400 (200+200) days.
Scenario B: Your 1st hospitalisation is 200 days. After you get discharged, 90 days or shorter has passed before your 2nd hospitalisation of 200 days. The benefit payable will be 365 (265 + 100) days.
Note: Above examples do not apply to stay in community hospitals.
This rider has been withdrawn for new applications as of 1 Mar 2019.
Your child is insured for up to $20,000 for various covered child-related illnesses until they reach 25 years old. If your child fractures his/her skull, spine, pelvis or femur, due to an accident, you will receive 10% of the sum assured, up to a combined sum of 100% of the sum assured within a policy year.
There is a 2 calendar month waiting period from the start date or the last reinstatement date (if any) of the Child Illness Rider, on the first diagnosis of the Child Illnesses covered (except for Leukaemia) or Accidental fracture of skull, spine, pelvis or femur. For Leukaemia, the waiting period is 3 calendar months from the start date or the last reinstatement date (if any) of the Child Illness Rider.
Understand the details
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 us. The list of approved panels and preferred partners, which we may update from time to time, can be found at income.com.sg/specialist-panel. 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 at income.com.sg/specialist-panel. We may update this list from time to time.
[4] For cancer drug treatment on the Cancer Drug List (CDL), the benefit limit for a plan is a multiple of the MediShield Life (MSHL) Limit for the specific cancer drug treatment. The latest MSHL limits are shown under “MediShield Life Claim Limit per month” in the CDL on Ministry of Health (MOH)'s website (go.gov.sg/moh-cancerdruglist). MOH may update these limits from time to time. The revised list will apply to the cancer drug treatment administered on and after the date the revised list comes into effect.
[5] For outpatient cancer drug treatments not on the CDL, we cover only treatments with drug classes A to E (according to the Life Insurance Association, Singapore’s (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.
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, 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 12 Dec 2025
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