enhanced incomeshield - fundsupermart.com...having peace of mind ensures that you can focus on the...

Having peace of mind ensures that you can focus on the finer things in life. Enhanced IncomeShield is a Medisave-approved Integrated Shield Plan (IP) that gives you assurance that your hospital and surgical expenses1 are well taken care of.

Why is it good for me?

Unlimited lifetime coverage2

‘As charged3’ coverage - helping you pay for what you have incurred

Letter of Guarantee4 to waive hospital deposits

Premiums payable with Medisave (main plan only)

Option to enhance coverage with additional riders - Plus Rider5 gives you coverage from the first dollar6 - Assist Rider5 minimises your hospital bills - Daily Cash Rider5 pays you cash if you’re hospitalised - Child Illness Rider5 protects your child’s well-being

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Enhanced IncomeShieldHEALTH INSURANCE

Unlimited lifetime coverage. Affordable and flexible protection.

Better Care

Better Lives

MediShield Life and Enhanced IncomeShieldEnhanced IncomeShield is an Integrated Shield Plan which consists of two parts – the MediShield Life portion and an

additional private insurance coverage portion. MediShield Life is a national health insurance scheme for all Singapore

Citizens and Permanent Residents.

If you are covered under Enhanced IncomeShield, you will enjoy the combined benefits of MediShield Life, which is

administered by the Central Provident Fund Board, and the enhanced benefits of the additional private insurance coverage

portion, which is provided by Income.

If you would like to find out more details about MediShield Life, and subsidies that you may be eligible for, please refer to

www.medishieldlife.sg.


MediShield Life

Enhanced IncomeShield - Additional Private

Insurance Coverage

Unlimited lifetime coverageYou are covered, for life. With no lifetime limit2 on your hospital claims, your loved ones are relieved of financial burden if

something unforeseen happens.

‘As charged’ coverageEnhanced IncomeShield helps to pay for the eligible hospitalisation costs that you have incurred3, so you can focus on

recuperating without any financial stress.

Letter of GuaranteeA Letter of Guarantee4 makes hospital admission easier by waiving deposits required by hospitals.

Affordable and flexibleUse your CPF Medisave to pay your premiums. With the launch of MediShield Life, the Medisave withdrawal limit is

restructured to two parts:

MediShield Life Additional Withdrawal Limit (AWL) for additional private insurance coverage

MediShield Life premiums can be fully payable by Medisave.

The Additional Withdrawal Limit (AWL) is the maximum Medisave limit that you can use for your Enhanced IncomeShield’s additional private insurance coverage premiums.

The maximum Medisave that can be used to pay for each insured annually depends on the insured’s age at their next

birthday.

Additional Withdrawal Limits (AWLs) for additional private insurance coverage

Age next birthday From 1 Nov 2015

1 to 40 $300

41 to 70 $600

Over 70 $900

A plan for everyoneDepending on your financial and medical needs, Enhanced IncomeShield offers you a choice of four plan types: Preferred,

Advantage, Basic and Enhanced C.

Enhanced C is only available to Singapore Citizens and Singapore Permanent Residents who meet any of the conditions

below.

Resides in a three-room HDB flat or below

Household monthly income of $3,500 and below


Benefits

MediShield Life

Enhanced IncomeShield (Payout includes MediShield Life payout)

Preferred Advantage Basic Enhanced C

Ward entitlement

Standard room in private hospital or private medical

institution

Restructured hospital for ward class A and below

Restructured hospital for

ward class B1 and below

Restructured hospital for

ward class B2 and below

Inpatient hospital treatment Limits of compensation

Room, board and medical-related services7 $700 (each day)

As charged As charged As charged As charged

Intensive care unit (ICU) and medical-related services7 $1,200 (each day)

Surgical benefits (including day surgery) Surgical limits table – limits for various categories of surgery, as classified by the Ministry of Health in its latest surgical operation fees table- Table 1 (less complex procedures)- Table 2- Table 3- Table 4- Table 5- Table 6- Table 7 (more complex procedures)

$200$480$900

$1,150$1,400$1,850$2,000

Organ transplant benefit(including stem-cell transplant)

Covered under inpatient hospital

treatment

Surgical implants8 $7,000(each treatment)

Gamma knife and novalis radiosurgery

$4,800(each procedure)

Accident inpatient dental treatment Covered under

inpatient hospital treatment

Pre-hospitalisation treatment9

(up to 90 days before admission)Not covered

Post-hospitalisation treatment9

(up to 90 days after discharge)

Staying in a community hospital7, 10 $350 (each day)

As charged (up to 90 days for each admission)





Benefits MediShield Life Preferred Advantage Basic Enhanced C

Outpatient hospital treatment Limits of compensation

Stereotactic radiotherapy for cancer$1,800

(each session)

As charged As charged As charged As charged

Radiotherapy for cancer- External or superficial- Brachytherapy with or without external

$140 (each session) $500 (each session)

Chemotherapy for cancer $3,000

(each month)

Immunotherapy for cancer Not covered

Renal dialysis $1,000

(each month)

Erythropoietin and other drugs approved under MediShield Life for chronic renal failure

$200(each month)

Cyclosporin or tacrolimus and other drugs approved under MediShield Life for organ transplant

$200(each month)

Special benefits Limits on special benefits

Congenital abnormalities benefit

Covered under inpatient hospital

treatment

As charged(with 24 months’ waiting period)



Covered up to MediShield Life

benefits only

Pregnancy complications benefitAs charged11

(with 10 months’ waiting period)

As charged11


As charged11


Living organ donor (insured) transplant benefit - Insured as the living donor donating an organ

As charged, up to $60,000

(each transplant with 24 months’ waiting period for the person receiving the

organ)



organ)



organ)

Living organ donor (non-insured) transplant benefit (each transplant)- Insured as the recipient of organ



benefits only


benefits only

Inpatient psychiatric treatment benefit $100 (each day, up to 35 days)


(each policy year)


(each policy year)


(each policy year)


(each policy year)

Prosthesis benefit (each policy year)Covered under

surgical implantsAs charged,

up to $10,000As charged,



up to $3,000

Emergency overseas treatment Not covered

As charged but limited to costs of Singapore private

hospitals

As charged but limited to costs of ward class A in Singapore restructured

hospitals

As charged but limited to costs of ward class

B1 in Singapore restructured

hospitals

As charged but limited to costs of ward class

B2 in Singapore restructured

hospitals

Final expenses benefit12 $5,000 $5,000 $3,000 $1,500



Limit in each policy year $100,000 $700,000 $500,000 $250,000 $150,000

Limit in each lifetime Unlimited Unlimited Unlimited Unlimited Unlimited

Last entry age (age next birthday) Does not apply 75 75 75 75

Maximum coverage age Lifetime Lifetime Lifetime Lifetime Lifetime

Pro-ration factor13 SG PR FR SG/PR/FR SG/PR/FR SG/PR/FR14 SG/PR/FR14

Inpatient- Restructured hospital - Ward class C - Ward class B2 - Ward class B2+ - Ward class B1 - Ward class A- Private hospital or private medical institution or emergency overseas treatment- Community hospital - Ward class C, B2 or B2+ - Ward class B1 - Ward class A

100%100%70%43%35%35%

100%50%50%

44%58%47%38%35%35%

50%50%50%

20%35%35%35%35%35%

N.A.15

50%50%

Does not apply

Does not applyDoes not applyDoes not applyDoes not applyDoes not apply

65%

Does not applyDoes not applyDoes not apply

Does not applyDoes not applyDoes not applyDoes not apply

85%50%

Does not applyDoes not apply

85%

Does not applyDoes not applyDoes not apply

40%20%15%

Does not apply40%20%

Day surgery- Restructured hospital subsidised- Restructured hospital non-subsidised- Private hospital or private medical institution or emergency overseas treatment

100%35%

35%

58%35%

35%

N.A.15

35%

35%Does not apply


65%


50%

Does not apply20%

15%

Short-stay ward- Restructured hospital subsidised- Restructured hospital non-subsidised

100%35%

58%35%

35%35%

Does not apply Does not apply Does not applyDoes not apply

20%

Outpatient hospital treatment- Restructured hospital subsidised- Restructured hospital non-subsidised16

- Private hospital or private medical institution16

100%50%

50%

67%50%

50%

N.A.15

50%

50%

Does not apply


65%


50%


15%

SG: Singapore Citizen PR: Singapore Permanent Resident FR: Foreigner



Deductible for each policy year for an insured aged 80 years or below at next birthday17

Inpatient- Restructured hospital - Ward class C - Ward class B2 or B2+ - Ward class B1 - Ward class A- Private hospital or private medical institution or emergency overseas treatment- Community hospital - Ward class C - Ward B2 or B2+ - Ward class B1 - Ward class A

$1,500$2,000$2,000$2,000$2,000

$1,500$2,000$2,000$2,000

$1,500$2,000$2,500$3,500$3,500

$1,500$2,000$2,500$3,500

$1,500$2,000$2,500$3,500$3,500

$1,500$2,000$2,500$3,500

$1,500$2,000$2,500$2,500$2,500

$1,500$2,000$2,500$2,500

$1,500$2,000$2,000$2,000$2,000

$1,500$2,000$2,000$2,000

Day surgery or short-stay ward- Subsidised- Non-subsidised

$1,500$1,500

$2,000$3,500

$2,000$3,500

$2,000$2,500

$2,000$2,000

Deductible for each policy year for an insured aged over 80 years at next birthday17

Inpatient- Restructured hospital - Ward class C - Ward class B2 or B2+ - Ward class B1 - Ward class A- Private hospital or private medical institution or emergency overseas treatment- Community hospital - Ward class C - Ward B2 or B2+ - Ward class B1 - Ward class A

$2,000$3,000$3,000$3,000$3,000

$2,000$3,000$3,000$3,000

$2,250$3,000$3,750$5,250$5,250

$2,250$3,000$3,750$5,250

$2,250$3,000$3,750$5,250$5,250

$2,250$3,000$3,750$5,250

$2,250$3,000$3,750$3,750$3,750

$2,250$3,000$3,750$3,750

$2,250$3,000$3,000$3,000$3,000

$2,250$3,000$3,000$3,000

Day surgery or short-stay ward- Subsidised- Non-subsidised

$3,000$3,000

$3,000$5,250

$3,000$5,250

$3,000$3,750

$3,000$3,000

Co-insurance

Inpatient hospital treatmentClaimable amount18:$0 - $3,000$3,001 - $5,000$5,001 - $10,000Above $10,000

10%10%5%3%

10%10%10%10%

10%10%10%10%

10%10%10%10%

10%10%10%10%

Outpatient hospital treatment 10% 10% 10% 10% 10%


Table of Premium RatesEnhanced IncomeShield Yearly Premium Rates19 for insured person who is a Singapore Citizen or Permanent Resident

Age next

birthday^

MediShield Life

Premiums (Fully

payable by

Medisave)~

Additional Withdrawal

Limits (AWLs)

Additional private insurance coverage

Enhanced IncomeShield

Preferred Advantage Basic - SG Basic - PR Enhanced C - SG Enhanced C - PR

PremiumsCash

outlay # PremiumsCash





outlay #

1 to 18 $130

$300

$142 - $69 - $49 - $56 - $24 - $33 -

19 to 20 $130 $194 - $87 - $73 - $78 - $40 - $51 -

21 to 30 $195 $178 - $71 - $57 - $62 - $24 - $35 -

31 to 35 $310 $236 - $104 - $71 - $81 - $37 - $54 -

36 to 40 $310 $250 - $128 - $81 - $99 - $37 - $54 -

41 to 45 $435

$600

$445 - $212 - $123 - $151 - $68 - $101 -

46 to 50 $435 $470 - $224 - $140 - $170 - $70 - $104 -

51 to 55 $630 $627 $27 $343 - $154 - $185 - $89 - $126 -

56 to 60 $630 $668 $68 $379 - $166 - $198 - $93 - $131 -

61 to 65 $755 $946 $346 $603 $3 $308 - $367 - $193 - $264 -

66 to 70 $815 $1,369 $769 $912 $312 $477 - $578 - $305 - $420 -

71 to 73 $885

$900

$2,012 $1,112 $1,299 $399 $725 - $871 - $465 - $632 -

74 to 75 $975 $2,509 $1,609 $1,544 $644 $859 - $1,031 $131 $561 - $759 -

76 to 78 $1,130 $2,995 $2,095 $1,877 $977 $1,026 $126 $1,238 $338 $704 - $958 $58

79 to 80 $1,175 $3,399 $2,499 $2,169 $1,269 $1,162 $262 $1,398 $498 $803 - $1,086 $186

81 to 83 $1,250 $3,780 $2,880 $2,242 $1,342 $1,275 $375 $1,508 $608 $987 $87 $1,289 $389

84 to 85 $1,430 $4,210 $3,310 $2,561 $1,661 $1,502 $602 $1,775 $875 $1,060 $160 $1,381 $481

86 to 88 $1,500 $4,721 $3,821 $2,849 $1,949 $1,656 $756 $2,169 $1,269 $1,120 $220 $1,814 $914

89 to 90 $1,500 $5,196 $4,296 $3,152 $2,252 $1,929 $1,029 $2,491 $1,591 $1,205 $305 $1,924 $1,024

91 to 93 $1,530 $5,652 $4,752 $3,487 $2,587 $2,308 $1,408 $2,939 $2,039 $1,307 $407 $2,057 $1,157

94 to 95 $1,530 $6,119 $5,219 $3,878 $2,978 $2,573 $1,673 $3,250 $2,350 $1,523 $623 $2,337 $1,437

96 to 98 $1,530 $6,558 $5,658 $4,249 $3,349 $2,836 $1,936 $3,560 $2,660 $1,726 $826 $2,602 $1,702

99 to 100 $1,530 $6,977 $6,077 $4,609 $3,709 $3,108 $2,208 $3,881 $2,981 $1,866 $966 $2,783 $1,883

Over 100 $1,530 $7,376 $6,476 $4,985 $4,085 $3,395 $2,495 $4,221 $3,321 $2,066 $1,166 $3,043 $2,143

SG: Singapore Citizen PR: Singapore Permanent Resident

^ The last entry age is 75, based on the insured’s age next birthday, when cover starts.~ Your MediShield Life premiums may differ depending on your premium subsidies, premium rebates and whether you need to pay for the Additional Premiums. The net MediShield Life premium payable after accounting for these is fully payable by Medisave.# This refers to the cash outlay if you are paying by Medisave (assuming you have sufficient monies in your Medisave account). If you are not paying by Medisave, your total cash outlay will be equal to MediShield Life Premiums + Premiums for Additional private insurance coverage. For example, for an insured aged 30 (at next birthday) buying Enhanced IncomeShield Preferred plan, the total premium = $195 + $178 = $373


Enhanced IncomeShield Yearly Premium Rates19 for insured person who is a Foreigner

Age next birthday^

Total Medisave

Withdrawal Limits~


Preferred Advantage Basic - FR Enhanced C - FR

Total premiums

Cash outlay#

Total premiums

Cash outlay#

Total premiums

Cash outlay#

Total premiums

Cash outlay#

1 to 18 $430 $272 - $199 - $194 - $188 -

19 to 20 $430 $324 - $217 - $215 - $212 -

21 to 30 $495 $373 - $266 - $264 - $261 -

31 to 35 $610 $546 - $414 - $401 - $394 -

36 to 40 $610 $560 - $438 - $433 - $394 -

41 to 45 $1,035 $880 - $647 - $629 - $573 -

46 to 50 $1,035 $905 - $659 - $650 - $578 -

51 to 55 $1,230 $1,257 $27 $973 - $907 - $815 -

56 to 60 $1,230 $1,298 $68 $1,009 - $922 - $836 -

61 to 65 $1,355 $1,701 $346 $1,358 $3 $1,229 - $1,121 -

66 to 70 $1,415 $2,184 $769 $1,727 $312 $1,481 $66 $1,366 -

71 to 73 $1,785 $2,897 $1,112 $2,184 $399 $1,986 $201 $1,776 -

74 to 75 $1,875 $3,484 $1,609 $2,519 $644 $2,241 $366 $2,024 $149

76 to 78 $2,030 $4,125 $2,095 $3,007 $977 $2,643 $613 $2,383 $353

79 to 80 $2,075 $4,574 $2,499 $3,344 $1,269 $2,909 $834 $2,631 $556

81 to 83 $2,150 $5,030 $2,880 $3,492 $1,342 $2,882 $732 $2,606 $456

84 to 85 $2,330 $5,640 $3,310 $3,991 $1,661 $3,321 $991 $3,022 $692

86 to 88 $2,400 $6,221 $3,821 $4,349 $1,949 $4,010 $1,610 $3,617 $1,217

89 to 90 $2,400 $6,696 $4,296 $4,652 $2,252 $4,364 $1,964 $3,888 $1,488

91 to 93 $2,430 $7,182 $4,752 $5,017 $2,587 $4,888 $2,458 $4,175 $1,745

94 to 95 $2,430 $7,649 $5,219 $5,408 $2,978 $5,232 $2,802 $4,506 $2,076

96 to 98 $2,430 $8,088 $5,658 $5,779 $3,349 $5,573 $3,143 $4,818 $2,388

99 to 100 $2,430 $8,507 $6,077 $6,139 $3,709 $5,928 $3,498 $5,032 $2,602

Over 100 $2,430 $8,906 $6,476 $6,515 $4,085 $6,302 $3,872 $5,342 $2,912

FR: Foreigner

^ The last entry age is 75, based on the insured’s age next birthday, when cover starts.~ If you are paying for a foreigner whose plan does not have a MediShield Life portion, you can utilise an equivalent amount of Medisave to pay for his/her premiums.# This refers to the cash outlay if you are paying by Medisave (assuming you have sufficient monies in your Medisave account). If you are not paying by Medisave, your total cash outlay will be equal to the Total Premiums. For example, for an insured aged 30 (at next birthday) buying Enhanced IncomeShield Preferred plan, the total cash outlay will be $373.


RidersEnhance your coverage with riders.

Riders are additional features that help you to customise your insurance plan to your specific needs so you will have additional

protection and the assurance you desire for peace of mind. Depending on your particular needs, a total of four riders are

available to supplement your Enhanced IncomeShield: Plus Rider, Assist Rider, Daily Cash Rider and Child Illness Rider.

Plus RiderGives you coverage from the first dollar6.

1. Zero deductible and co-insurance1, so you don’t have to worry about expensive hospital bills

2. Daily hospital cash benefits20 if you’re warded in a class lower than your entitled ward

Plan Admitted ward in restructured hospital Cash benefit received for each day

Preferred B1, B2 or C $150

Preferred A $125

Advantage B1, B2 or C $100

Basic B2 or C $75

3. Receive up to $80 per day (for a maximum of 10 days each hospital stay) for the cost of an extra bed for you to sleep

over if your insured child21 gets warded

Plus Rider Yearly Premium Rates19

Age next birthday^ Preferred Advantage Basic Enhanced C


1 to 18 $298 $167 $98 $76 76 to 78 $2,951 $1,482 $949 $912

19 to 30 $306 $175 $105 $99 79 to 80 $3,031 $1,700 $1,145 $1,120

31 to 35 $362 $188 $119 $116 81 to 83 $3,110 $1,908 $1,318 $1,292

36 to 40 $367 $195 $126 $122 84 to 85 $3,438 $2,107 $1,455 $1,408

41 to 45 $512 $330 $215 $194 86 to 88 $3,441 $2,276 $1,604 $1,541

46 to 50 $544 $349 $221 $215 89 to 90 $3,563 $2,575 $1,756 $1,717

51 to 55 $730 $427 $282 $276 91 to 93 $3,843 $2,782 $1,917 $1,879

56 to 60 $890 $448 $303 $295 94 to 95 $4,118 $2,998 $2,031 $2,010

61 to 65 $1,089 $634 $408 $388 96 to 98 $4,397 $3,219 $2,162 $2,102

66 to 70 $1,357 $839 $525 $505 99 to 100 $4,673 $3,433 $2,305 $2,275

71 to 73 $2,051 $1,049 $662 $625 Over 100 $4,842 $3,594 $2,394 $2,289

74 to 75 $2,451 $1,237 $794 $768

^ The last entry age is 75, based on the insured’s age next birthday, when cover starts.


Assist RiderKeeps your hospital bill to a minimum.

1. Pay 10% of the claimable amount1, subject to a maximum co-payment each policy year

Maximum co-payment for each policy year

Preferred Advantage Basic Enhanced C

$3,000 $2,500 $2,000 $1,500

2. Receive a daily hospital cash benefit20 if the ward you are admitted to is lower than your entitled ward

Plan Admitted ward in restructured hospital Cash benefit received for each day

Preferred B1, B2 or C $150

Preferred A $125

Advantage B1, B2 or C $100

Basic B2 or C $75

3. Receive up to $80 per day (for a maximum of 10 days each hospital stay) for the cost of an extra bed for you to sleep

over if your insured child21 gets warded

Assist Rider Yearly Premium Rates19



1 to 18 $141 $106 $76 $58 76 to 78 $1,240 $1,025 $686 $536

19 to 30 $146 $110 $83 $62 79 to 80 $1,443 $1,131 $800 $632

31 to 35 $153 $118 $92 $67 81 to 83 $1,606 $1,241 $894 $725

36 to 40 $161 $129 $98 $73 84 to 85 $1,771 $1,310 $983 $822

41 to 45 $239 $196 $157 $110 86 to 88 $1,933 $1,590 $1,252 $944

46 to 50 $270 $212 $165 $124 89 to 90 $2,097 $1,700 $1,359 $1,041

51 to 55 $321 $256 $207 $157 91 to 93 $2,172 $1,746 $1,465 $1,140

56 to 60 $347 $272 $214 $163 94 to 95 $2,240 $1,799 $1,570 $1,236

61 to 65 $490 $402 $296 $224 96 to 98 $2,305 $1,851 $1,677 $1,336

66 to 70 $633 $552 $387 $284 99 to 100 $2,376 $1,904 $1,781 $1,433

71 to 73 $882 $734 $468 $371 Over 100 $2,442 $1,978 $1,846 $1,492

74 to 75 $1,037 $877 $581 $438



Daily Cash RiderReceive cash benefits1 upon hospitalisation for extra funds to pay for day-to-day expenditures and other treatment costs.

1. Daily cash benefits22 if you get hospitalised:

2. ‘Get-well benefit’ upon discharge23

Benefit type Preferred Advantage Basic/Enhanced C

Daily cash benefit22 (each day) $150 $100 $50

Get-well benefit23 $300 $250 $100

3. Extended payout of daily cash benefits for up to 365 days in the event of prolonged hospital stays

Daily Cash Rider Yearly Premium Rates19

Age next birthday^ Preferred Advantage

Basic/ Enhanced C

Age next birthday^ Preferred Advantage

Basic/ Enhanced C

1 to 30 $83 $61 $28 66 to 70 $396 $288 $132

31 to 40 $110 $80 $37 71 to 73 $508 $369 $169

41 to 50 $134 $98 $45 74 to 75 $619 $450 $206

51 to 55 $168 $122 $56 76 to 80 $716 $520 $239

56 to 60 $224 $163 $75 81 to 85 $829 $602 $276

61 to 65 $282 $205 $94



Child Illness RiderYour child’s health and well-being is most important. Give your child additional protection.

1. Receive up to $20,0001 in the event that your child is stricken with the covered child-related illnesses

Covered Child-related illnesses

Severe asthma Insulin-dependent diabetes mellitus Leukaemia

Haemophilia Bone-marrow transplant Still’s disease

Rheumatic disease with valvular impairment

Mental retardation due to sickness, injury or accident

Kawasaki disease

2. If your child fractures his/her skull, spine, pelvis or femur, due to an accident, you will receive 10% of the sum assured1,

up to a combined sum of 100% of the sum assured within a policy year

Child Illness Rider Yearly Premium Rates19

Age next birthday^ Premium

1 to 25 $99

^The last entry age is 24, based on the insured’s age next birthday, when cover starts.


How Enhanced IncomeShield works for you

Enhanced IncomeShield pays:

You pay: 10% Co-insurance

You pay: Deductible

Deductible: Amount per policy year you would need to pay for claims made in a policy year, before there is a payout from


Co-insurance: Percentage share you need to pay in excess of the Deductible

How Enhanced IncomeShield and Plus Rider work for youMr Lee (age 40), who is covered under Enhanced IncomeShield Preferred Plan, was admitted to a private hospital for

4 days after undergoing a knee replacement surgery. His total bill was $26,000.

Enhanced IncomeShield (Preferred Plan)

Enhanced IncomeShield Preferred Plan (including MediShield Life) pays:

$20,250

Co-insuranceHe pays: $2,250

Deductible He pays: $3,500

$26,000

Enhanced IncomeShield (Preferred Plan) and Plus Rider


$20,250

Plus Rider pays Co-insurance: $2,250

Plus Rider pays Deductible: $3,500

$26,000



How Enhanced IncomeShield, Assist Rider and Daily Cash Rider work for youEnhanced IncomeShield (Preferred Plan)


$20,250

Co-insuranceHe pays: $2,250

Deductible He pays: $3,500

$26,000

Enhanced IncomeShield (Preferred Plan) and Assist Rider

Enhanced IncomeShield Preferred Plan (including MediShield Life) + Assist Rider

pays: $23,400

Co-payment He pays: $2,600

(10% of claimable amount, capped at $3,000)

$26,000

Enhanced IncomeShield (Preferred Plan), Assist Rider and Daily Cash Rider

Enhanced IncomeShield Preferred Plan (including MediShield Life) + Assist Rider

pays: $23,400

Co-payment He pays: $2,600

$26,000

Daily Cash Rider pays him: $900 (Daily cash benefits of $150 x 4 days + Get-well benefits of $300)

Note: The presented illustrations are based on the 50th percentile of private hospital knee replacement surgery bills. 50th percentile bill size means 50% of patients pay this amount or less, and 50% pay more. Source: IncomeShield’s claim records for knee replacement surgery (cases from 1 Jan 2015 to 31 Dec 2015).

IMPORTANT NOTES

1 Subject to precise terms, conditions and exclusions specified in the policy contract for Enhanced IncomeShield and riders.

2 Subject to policy year limit and any benefit limits.

3 We reimburse you the eligible hospitalisation cost you have incurred, subject to deductible, co-insurance, admission of ward class, benefit limits and any other policy terms (including exclusions).

4 Subject to individual hospital guidelines. Other terms and conditions apply.

5 The plan selected for the Plus Rider, Assist Rider and Daily Cash Rider must be the same as the Enhanced IncomeShield plan. The premium rates for all riders are applicable to all nationalities. The premiums are payable by cash, cheque or GIRO only.

6 Subject to admission of ward class, benefit limits and other policy terms.

7 Includes meals, prescriptions, medical consultations, miscellaneous medical charges, specialist consultations, examinations, and laboratory tests.

8 Includes: - Intravascular electrodes used for electrophysiological procedures - Percutaneous transluminal coronary angioplasty (PTCA) balloons - Intra-aortic balloons (or balloon catheters).

9 Pre-hospitalisation and post-hospitalisation treatment are not covered for treatment given before or after inpatient psychiatric treatment benefit, accident inpatient dental treatment, emergency overseas treatment or stay in a short-stay ward.


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About IncomeIncome was established in 1970 to provide affordable insurance for workers in Singapore. Today, two million people in Singapore look to Income for trusted advice and solutions when making their most important financial decisions. Our wide network of advisers and partners provide life, health and general insurance products and services to serve the protection, savings and investment needs of customers across all segments of society. As a social enterprise, Income was made different. Our social purpose is to make insurance accessible, affordable and sustainable for all. Putting people before profits, we strive to create and maximise value for customers. In 2015, Income had over $32.4 billion in assets under management. Our financial strength and diversified investment portfolio is reflected by our strong credit ratings which underpin the delivery of our commitment to customers. Income’s corporate social responsibility initiative, OrangeAid, focuses on children and youth, especially the disadvantaged. For more about Income, please visit www.income.com.sg.

IMPORTANT NOTES

10 To claim for staying in a community hospital, - the insured must have first had inpatient hospital treatment in a restructured hospital or private hospital; - after the insured is discharged from the restructured hospital or private hospital, they must immediately be admitted to a community

hospital for a continuous period of time; - the attending registered medical practitioner in the restructured or private hospital must have recommended in writing that the insured

needs to be admitted to a community hospital for necessary medical treatment; and - the treatment must arise from the same injury, illness or disease that resulted in the inpatient hospital treatment.

11 Pregnancy complications benefit pays for inpatient hospital treatment for the following: - ectopic pregnancy - pre-eclampsia or eclampsia - disseminated intravascular coagulation (DIC) - miscarriage where the foetus of the insured dies as a result of a sudden unexpected, non-malicious and involuntary event - ending a pregnancy if an obstetrician considers it necessary to save the life of the insured.

12 We will waive (not enforce) the co-insurance and deductible due for a claim for the inpatient hospital treatment, pre-hospitalisation treatment and post-hospitalisation treatment if the insured dies (i) while in hospital; or (ii) within 30 days of leaving hospital. If the insured dies within 30 days of leaving the hospital, we will also waive the co-insurance due for a claim of outpatient hospital treatment if the treatment was received by the insured within 30 days of leaving hospital.

13 If the insured is admitted into a ward and medical institution that is higher than what they are entitled to, we will only pay the percentage of the reasonable expenses for necessary medical treatment of the insured as shown using the pro-ration factor that applies to the plan.

14 If the insured is a Singapore Permanent Resident or a foreigner, we will further reduce the amount of each benefit we will pay by the citizenship factor below. The citizenship factor applies to any claim under your policy unless you have chosen the Singapore Permanent Resident or foreigner plan.

- Enhanced Basic: 89% (for Singapore Permanent Resident); 80% (for foreigner) - Enhanced C: 57% (for Singapore Permanent Resident); 28% (for foreigner)

15 Foreigners are not eligible for subsidised community hospital stays, subsidised day surgery, and subsidised outpatient hospital treatment.

16 Pro-ration for non-subsidised outpatient cancer treatments will apply for MediShield Life from 1 Nov 2016. Renal dialysis and immunosuppressant drugs approved under MediShield Life for organ transplant will not be pro-rated for MediShield Life.

17 Deductible does not apply to outpatient hospital treatment.

18 Claimable amount is the lower of (i) the claim limit in the table or (ii) the amount after adjusting the charges for pro-ration and citizenship factor, if needed.

19 Premium rates are inclusive of 7% GST. Yearly premium rates are applicable to policies and riders effective 1 October 2016 onwards. Yearly premiums are based on the insured’s age at next birthday, and will increase when the insured reaches the next age band. Premium rates are non-guaranteed and may be reviewed from time to time.

20 We pay a daily hospital cash benefit for each full day the insured is admitted to a lower ward class than the ward class they are entitled to under the policy. If the insured is in hospital for only part of a day, we will pay half of the hospital cash benefit for that day.

Whether we class the stay in hospital as a full day or part of a day will depend on whether the hospital charges the room rate for a full day or

for half a day, for the day in question.

21 The insured child must be aged 18 years or below on the date a claim is made for this benefit under the insured child’s policy.

22 The start date of hospitalisation must be before the end of the policy year in which the insured reaches age 85. Apart from hospitalisation as a result of an accident, the start date of hospitalisation must be 30 days after the start date of this rider or last reinstatement date (if any) of this rider. The total number of days of hospitalisation arising from the same accident or illness from the same confirmed diagnosis, whether the hospitalisation covers one or more policy years, is not more than 365 days. Out of this, any stay in a community hospital must not be for more than 45 days.

23 Apart from hospitalisation arising as a result of an accident, the start date for the hospitalisation must be 30 days after the start date of this rider or last reinstatement date (if any) of this rider. We will not pay the get-well benefit if the insured dies while in hospital; or the insured is in hospital for less than 48 hours.


IMPORTANT NOTES

Enhanced IncomeShield is 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 is not available as an Integrated Shield Plan.

This is for general information only. You can find the usual terms and conditions of this plan at www.income.com.sg/enhanced-incomeshield-policy-conditions.pdf, www.income.com.sg/plus-rider-policy-conditions.pdf, www.income.com.sg/assist-rider-policy-conditions.pdf, www.income.com.sg/daily-cash-rider-policy-conditions.pdf and www.income.com.sg/child-illness-rider-policy-conditions.pdf. 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 1 October 2016


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