Withdrawn Integrated Shield Plan IP riders

Income has withdrawn these 4 riders for new applications of Enhanced IncomeShield, IncomeShield and IncomeShield Standard Plan as of 1 March 2019 – Plus Rider, Assist Rider, Daily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

Co-payment limit

Policyholders will need to pay out-of-pocket of at least 5% of their hospital bills.

Co-payment cap

A co-payment cap of at least $3,000 per policy year will be applied if policyholders seek treatment from the insurer’s preferred healthcare providers or if the treatment has been pre-authorised.

Plus, Assist, Daily Cash and Child Illness Riders

Plus Rider

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

Assist Rider

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

Only downgrade from Plus Rider to Assist Rider for existing policyholders is allowed.

Daily Cash Rider

Daily Cash Rider[1] provides you with additional cash benefit for each day you are hospitalised, and a get-well benefit upon your discharge.

Child Illness Rider

With Child Illness Rider[1], your child is insured for up to $20,000 for various covered child-related illnesses until they reach 25 years old.

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Policy Conditions

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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Important Notes

Footnotes

Subject to precise terms, conditions and exclusions specified in the policy contract for Enhanced IncomeShield, IncomeShield Standard Plan, IncomeShield and riders.
Panel or preferred partner means a registered medical practitioner, specialist, hospital or medical institution approved by us. The lists of approved panels and preferred partners, which we may update from time to time, can be found here. Our list of approved panels also includes restructured hospitals, community hospitals and voluntary welfare organisation (VWO) dialysis centres.
Extended panel means a registered medical practitioner or specialist approved by us to provide coverage on the benefits for this rider. The registered medical practitioner or specialist must not be on Income’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 we may update from time to time, can be found here.

Exclusions

There are certain conditions where the benefits under the plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract 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 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. You can find the usual terms and conditions of these plans in their policy contracts. 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 adviser. 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 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 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 of 31 March 2022.

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

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Withdrawn Integrated Shield Plan (IP) Riders