In today's unpredictable world, having comprehensive hospital insurance is crucial for protecting your health and finances. The Income Enhanced IncomeShield is a MediSave-approved Integrated Shield Plan designed to provide extensive coverage for your medical needs. This plan offers a range of benefits, including coverage for private hospitals and restructured hospital ward classes A and B1. With its flexible options and comprehensive protection, Enhanced IncomeShield aims to give you peace of mind when it comes to your healthcare needs.
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Enhanced IncomeShield offers a range of key features designed to provide comprehensive coverage for your healthcare needs. From extensive hospital coverage to flexible rider options, this plan aims to minimize your out-of-pocket expenses and provide peace of mind. Let's explore the key features that make Enhanced IncomeShield stand out:
Enhanced IncomeShield Preferred plan covers stays in standard rooms in private hospitals or private medical institutions. For Advantage and Basic plans, coverage extends to restructured hospitals for ward class A and below.
Enhance your coverage with either the Deluxe Care Rider or Classic Care Rider. These riders help keep your out-of-pocket expenses low, with co-payment options as low as 5% for treatments provided by panel doctors.
The plan includes a deductible ranging from $1,500 to $5,250 depending on your age and ward class. Co-insurance is set at 10% of the claimable amount after the deductible.
Enjoy coverage for up to 100 days of pre-hospitalization and post-hospitalization treatment. For the Preferred plan with panel doctors, this extends to 180 days pre-hospitalization and 365 days post-hospitalization.
The plan covers various outpatient treatments including kidney dialysis, chemotherapy, and radiotherapy. Coverage limits vary by plan type, with the Preferred plan offering up to 5 times the MediShield Life limit for cancer drug treatments.
Enhanced IncomeShield offers a comprehensive range of benefits designed to provide you with extensive coverage and peace of mind. From lifetime protection to coverage for specific medical conditions, this plan aims to support you through various healthcare needs. Let's explore the key benefits that make Enhanced IncomeShield a valuable choice:
Enhanced IncomeShield provides coverage for life, with no lifetime limit on hospital claims. This ensures long-term protection and reduces financial stress on your loved ones.
Your policy is guaranteed to be renewed for life, providing you with continuous coverage regardless of changes in your health condition.
The plan covers congenital abnormalities, subject to a 12-month waiting period. This provides crucial protection for unexpected health issues related to congenital conditions.
Enhanced IncomeShield offers coverage for various pregnancy and delivery-related complications. The benefit limit ranges from $20,000 to $60,000, depending on your plan type.
The plan provides coverage for inpatient psychiatric treatment, with limits of up to $7,000 per policy year for the Preferred plan and up to $5,000 for the Basic plan.
Enhanced IncomeShield covers emergency overseas treatment, with benefits limited to the costs of Singapore private hospitals for the Preferred plan, and Class A wards in Singapore restructured hospitals for the Advantage plan.
| Age | What suggestion covers | Premium |
|---|---|---|
| 27, Female making $3,800 a month | TPD $1,000,000 death $1,000,000 | $455.95 null |
| 27, Female making $7,000 a month | aci $300,000 death $500,000 eci $100,000 recurrent ci $150,000 tpd $500,000 | $1,643.45 annual |
| 24, Female making $4,200 a month | personal accident $250,000 | $626.21 annual |
| 29, Female making $4,166.667 a month | TPD $1,000,000 death $1,000,000 | $481.1 annual |
| 33, Female making $5,100 a month | Not elaborated | $292.71 annual |
Enhanced IncomeShield goes beyond basic coverage to offer a range of additional benefits that cater to various medical needs and scenarios. These benefits are designed to provide comprehensive protection and support in different healthcare situations. Let's explore some of the other valuable benefits included in this plan:
Coverage for cell, tissue, and gene therapy is provided, with limits up to $250,000 per policy year for the Preferred plan and $150,000 for the Basic plan. This benefit covers both inpatient and outpatient treatments approved by MOH and HSA.
The plan covers proton beam therapy for MOH-approved indications, with limits up to $100,000 per policy year for the Preferred plan and $70,000 for the Basic plan.
Enhanced IncomeShield provides coverage for living organ donor transplants, with limits up to $60,000 per transplant for the Preferred and Advantage plans. This applies to both the insured as a donor or recipient.
The plan offers coverage for prostheses, with limits up to $10,000 per policy year for the Preferred plan and $6,000 for the Advantage plan.
In the event of the insured's death, the plan waives co-insurance and deductible, providing a final expenses benefit of up to $5,000 for the Preferred plan and $3,000 for the Advantage plan.
Enhanced IncomeShield is available as a MediSave-approved Integrated Shield Plan for Singapore Citizens and Permanent Residents who meet the eligibility conditions under MediShield Life. The plan has a last entry age of 75 (age next birthday). For foreigners with an eligible valid pass and a foreign identification number (FIN), Enhanced IncomeShield is not available as an Integrated Shield Plan. To apply, you can contact an Income advisor, call their hotline at 6332 1133, or visit their website to buy online. It's recommended to speak with a qualified insurance advisor to ensure the plan meets your specific needs.
Filing a claim with Enhanced IncomeShield is designed to be straightforward. You can submit your claim through Income's online portal or by filling out a claim form available on their website. For hospitalization claims, many hospitals have arrangements for direct settlement with Income. For other claims, you'll need to submit the relevant medical bills and reports. If you need assistance with claims or have any questions about your policy, you can contact Income's customer service team through their hotline at 6332 1133, chat with them instantly on their website, or visit one of their branches. Income aims to process most claims within 7 working days upon receiving all required documents.
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Enhanced IncomeShield is an excellent choice for individuals seeking comprehensive health coverage in Singapore. It's particularly well-suited for those who prefer private hospital care, want coverage for a wide range of medical treatments including advanced therapies, and desire lifetime protection. The plan's flexibility with rider options makes it attractive for those who want to minimize out-of-pocket expenses. Additionally, it's a good fit for expectant mothers due to its pregnancy complications coverage.
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