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ENHANCED
INCOMESHIELD
Lessen your burden with guaranteed cover...for life
Managing a sickness or chronic health condition can be tough. Why let escalating healthcare costs, especially for serious or prolonged illness, add to the burden? With Enhanced Incomeshield, you can now breathe easier in the face of the financial challenge a medical condition may bring.
Paying you for what is actually incurred
Enhanced Incomeshield boasts more 'As charged' features*.
This means we will pay for the costs you actually incurred.
Guaranteeing you unlimited lifetime cover
Unlike other plans, you’ll be covered for life. Plus, there’s no lifetime limit on the amount you can claim. In other words, you’re in control when it comes to relieving your loved ones and family from a substantial financial burden.
Comprehensive cover with Enhanced Incomeshield
Depending on your desired hospital class ward type, you can choose our Preferred, Advantage or Basic Plan.
Ensuring your premiums are always affordable
With Enhanced Incomeshield, you’ll be enjoying the best value among comparable hospitalisation insurance plans offered in the market. Moreover, you can pay for the premiums** with your CPF Medisave funds – no cash required upfront - for up to a limit of $800 per person per calendar year.
New Assist Rider to keep hospital bill to a minimum
With Assist Rider, all you need to pay is 10% of the claimable amount, subject to a cap. This ensures your payment for hospital bill is kept to a minimum and you will always know how much to set aside for medical costs.
* Subject to terms and admission of ward class.
** Premiums are calculated based on your age next birthday at the point of commencement of cover.
This is only product information provided by us. You should seek advice from a qualified adviser if in doubt. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.
| Schedule of Benefits |
|
Annual Premium (Enhanced
Incomeshield) |
Age
Next
Birthday |
Preferred
(SG/PR/FR) |
Advantage
(SG/PR/FR) |
Basic |
SG |
PR |
FR |
| Up to 30 |
$131 |
$95 |
$67 |
$73 |
$87 |
| 31-40 |
$208 |
$138 |
$96 |
$105 |
$124 |
| 41-50 |
$391 |
$294 |
$183 |
$200 |
$238 |
| 51-60 |
$619 |
$491 |
$311 |
$335 |
$404 |
| 61-65 |
$1,104 |
$821 |
$517 |
$565 |
$671 |
| 66-70 |
$1,633 |
$1,172 |
$711 |
$786 |
$924 |
| 71-73 |
$2,337 |
$1,629 |
$991 |
$1,103 |
$1,288 |
| 74-75 |
$2,746 |
$1,914 |
$1,164 |
$1,299 |
$1,513 |
| 76-78 * |
$3,289 |
$2,290 |
$1,398 |
$1,566 |
$1,817 |
| 79-80 * |
$3,813 |
$2,660 |
$1,632 |
$1,824 |
$2,121 |
| 81-83 * |
$4,384 |
$2,988 |
$1,980 |
$2,218 |
$2,575 |
| 84-85 * |
$4,865 |
$3,315 |
$2,197 |
$2,453 |
$2,856 |
| 86-88 * |
$5,360 |
$3,656 |
$2,430 |
$2,868 |
$3,159 |
| 89-90 * |
$5,843 |
$3,984 |
$2,649 |
$3,126 |
$3,443 |
| 91-93 * |
$6,325 |
$4,315 |
$2,867 |
$3,384 |
$3,728 |
| 94-95 * |
$6,807 |
$4,644 |
$3,086 |
$3,641 |
$4,012 |
| 96-98 * |
$7,291 |
$4,972 |
$3,305 |
$3,899 |
$4,296 |
| 99-100 * |
$7,445 |
$5,299 |
$3,523 |
$4,157 |
$4,580 |
| >100 * |
$7,600 |
$5,498 |
$3,654 |
$4,312 |
$4,751 |
SG – Singaporean; PR – Permanent
Resident; FR – Foreigner
| * |
For renewal only. The last entry age is at 75. |
| - |
Premium includes 7% GST. |
| - |
The above annual premium rates are applicable to policies effective on 1
January 2008 onwards; rates are non-guaranteed and may be reviewed
from time to time. |
Example to illustrate the Enhanced Incomeshield
benefits
A 25 year old male is covered under Basic plan, for a total bill of $8,000.
| Benefits |
Expenses Amount |
Claimable |
| Room & Board (12 days) |
$4,500 |
$4,500 |
| Surgical Benefits |
$2,500 |
$2,500 |
| Implant |
$1,000 |
$1,000 |
| Total |
$8,000 |
$8,000 |
Without Assist Rider
| Claimable |
$8,000 |
| Less : Deductible |
$2,000 |
| Less : Co-insurance |
$600 |
| Incomeshield pays: |
$5,400 |
| Insured pays (deductible and co-insurance) |
$2,600 |
With Assist Rider
| Claimable |
$8,000 |
| Co-insurance that the insured has to pay |
10% of $8,000 OR Cap of $2,000 whichever is lower |
| Incomeshield with rider pays: |
$7,200 |
| Insured pays |
$ 800 |
- Gamma Knife/ Novalis Radiosurgery can be performed as
an In-patient or day surgery procedure. The applicable Deductible and
Pro-ration Factor for Gamma Knife/ Novalis Radiosurgery procedure will depend
on its classification as an In-patient or day surgery procedure.
- Subject to a maximum stay of 45 days per visit.
- Subject to a waiting period of 10 months from 1 September
2008 or the Commencement Date or last reinstatement date of the Policy, whichever
is latest.
- Subject to a waiting period of 24 months from 1 September
2008 or the Commencement Date or last reinstatement date of the Policy, whichever
is latest.
For more details, please contact
NORAZAH AHMAD
Hp : 9060 7790
Email:[email protected]
|
| In-patient Hospital Treatment |
Preferred |
Advantage |
Basic |
| Benefits |
Limits of Compensation |
| Room, Board & Medical Related Services (per day) |
As charged |
As charged |
As charged |
| Intensive Care Unit (ICU) & Medical Related Services (per day) |
As charged |
As charged |
As charged |
| Surgical Limits (including Day Surgery) |
As charged |
As charged |
As charged |
| Pre-Hospital Specialist's Consultation (leads to hospitalisation within 90
days) |
As charged |
As charged |
As charged |
| Pre-Hospital Diagnostic & Laboratory Services (leads to hospitalisation
within 90 days) |
As charged |
As charged |
As charged |
| Post Hospital Follow-up Treatment (max. 90 days after discharge) |
As charged |
As charged |
As charged |
| Surgical Implants/Approved Medical Consumables |
As charged |
As charged |
As charged |
| Gamma Knife/ Novalis Radiosurgery 1 |
As charged |
As charged |
As charged |
| Emergency Hospitalisation Outside Singapore |
As charged, pegged to costs of S'pore Private Hospitals |
As charged, pegged to costs of S'pore Restructured Hospitals |
As charged, pegged to costs of S'pore B1 Restructured
Ward |
| Accident In-patient Dental Treatment |
As charged |
As charged |
As charged |
| Ward Entitlement |
Standard Room In Private Hospital |
Class A1 and Below |
Class B1 and Below |
| Confinement in Community Hospital 2 |
As charged |
As charged |
As charged |
| Pregnancy Complications Benefit 3 |
As charged |
As charged |
As charged |
| Congenital Abnormalities Benefit 4 |
As charged |
As charged |
As charged |
| In-patient Psychiatric Treatment |
$5,000 |
$5,000 |
$3,000 |
| Out-patient Hospital Treatment |
| Stereotactic Radiotherapy for Cancer (per treatment) |
As charged |
As charged |
As charged |
| Radiotherapy for cancer (per day) |
As charged |
As charged |
As charged |
| Chemotherapy for cancer (per month) |
As charged |
As charged |
As charged |
| Immunotherapy for cancer (per month) |
As charged |
As charged |
As charged |
| Renal Dialysis (per month) |
As charged |
As charged |
As charged |
| Erythropoietin drug for chronic renal failure (per month) |
As charged |
As charged |
As charged |
| Cyclosporin/Tacrolimus drug for organ transplant (per month) |
As charged |
As charged |
As charged |
| Pro-ration Factor |
| Private Hospital/ Medical Institutions |
N.A |
65% |
50% |
| Restructured Hospitals - Class A |
N.A |
N.A |
85% if above B1 ward |
| Restructured Hospitals - Class B and below |
N.A |
N.A |
N.A |
| Deductible Per Policy Year |
| In-patient |
| C Class Ward |
$1,000 |
$1,000 |
$1,000 |
| B2 Class Ward |
$1,500 |
$1,500 |
$1,500 |
| B1 Class Ward |
$2,000 |
$2,000 |
$2,000 |
| A1 Class Ward/ Private Hospital |
$3,000 |
$3,000 |
$2,000 |
| Day Surgery |
$3,000 |
$3,000 |
$2,000 |
| Deductible Per Policy Year
for Insured Persons above 80 years next birthday |
| In-patient |
| C Class Ward |
$1,500 |
$1,500 |
$1,500 |
| B2 Class Ward |
$2,250 |
$2,250 |
$2,250 |
| B1 Class Ward |
$3,000 |
$3,000 |
$3,000 |
| A1 Class Ward/ Private Hospital |
$4,500 |
$4,500 |
$3,000 |
| Day Surgery |
$4,500 |
$4,500 |
$3,000 |
| Co-insurance |
10% |
10% |
10% |
| Limit per Policy Year |
$500,000 |
$250,000 |
$150,000 |
| Limit per Lifetime |
Unlimited |
Unlimited |
Unlimited |
| Final Expenses Benefit |
$5,000 |
$5,000 |
$3,000 |
| Last Entry Age (Age next birthday) |
75 |
75 |
75 |
| Maximum Coverage Age |
Lifetime |
Lifetime |
Lifetime |
|
|
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New Assist Rider to Keep Hospital Bill to a Minimum
Your Incomeshield plan makes managing hefty healthcare costs easier. Now,
we have introduced an easier way to continually protect you and your family.
Certainty in managing your bills
With the new Assist Rider, all you need to pay is 10% of the claimable amount,
subject to a cap. Hence, you’ll have an easier time managing substantial
medical expenses. The cap is shown in the table below.
Caps for co-payment per policy year
| Plan P/Preferred |
Plan A/Advantage |
Plan B/Basic |
Plan C
|
| $3,000 |
$2,500 |
$2,000 |
$1,500 |
More savings with Assist Rider
Compared to "full rider" plans offered
by other insurers in the market. The premium for Assist Rider is lower. This
means you save in the long run.
More assurance with daily hospitalisation allowances
Furthermore, you are entitled to daily hospitalisation allowance if the ward you are admitted to is lower than your entitled ward.
| Plan |
Admitted Ward |
Daily Cash Benefit |
| Preferred |
Restructured Hospital ward B1/B2/C |
$150 |
| Preferred |
Restructured Hospital ward A |
$125 |
| Advantage |
Restructured Hospital ward B1/B2/C |
$100 |
| Basic |
Restructured Hospital ward B2/C |
$75 |
This Hospital Cash Benefit will apply to the Enhanced Incomeshield Plan only.
|
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Assist Rider Annual Premium Rates (Enhanced
Incomeshield)
| Age
Next Birthday |
Preferred |
Advantage |
Basic |
| <30 |
111 |
100 |
70 |
| 31-40 |
120 |
108 |
77 |
| 41-50 |
208 |
188 |
132 |
| 51-60 |
257 |
232 |
163 |
| 61-65 |
350 |
315 |
222 |
| 66-70 |
452 |
408 |
287 |
| 71-73 |
630 |
510 |
358 |
| 74-75 |
741 |
600 |
421 |
| 76-78 # |
886 |
718 |
506 |
| 79-80 # |
1,031 |
835 |
590 |
| 81-83 # |
1,147 |
929 |
657 |
| 84-85 # |
1,265 |
1,024 |
723 |
| 86-88 # |
1,381 |
1,118 |
790 |
| 89-90 # |
1,498 |
1,213 |
857 |
| 91-93 # |
1,616 |
1,308 |
923 |
| 94-95 # |
1,731 |
1,402 |
990 |
| 96-98 # |
1,848 |
1,497 |
1,057 |
| 99-100 # |
1,964 |
1,590 |
1,123 |
| >100 # |
2,035 |
1,648 |
1,164 |
# For renewal only.
The last entry age is at 75.
Premium includes 7%
GST. The above annual premium rates are applicable to policies effective 1
January 2008 onwards; rates are non-guaranteed and may be reviewed from time to
time.
All rider
rates are applicable to all nationalities and premiums are payable by cash/cheque/GIRO.
The plan selected for rider must be the same as the Incomeshield or Enhanced
Incomeshield Plan.
updated
on 25 July 2008
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