Hospital

Enhanced IncomeShield: Comprehensive Health Coverage for Your Peace of Mind

Are you worried about rising medical costs in Singapore? You're not alone. Medical expenses in our country are projected to increase faster than most of the region , with surgery charges experiencing the highest inflation rate. This trend can lead to significant out-of-pocket expenses and potential loss of future income. That's where Enhanced IncomeShield comes in - a comprehensive health insurance plan designed to give you peace of mind and financial protection when you need it most.

Insurance Calculator

Find the right coverage in minutes

  • Accurate coverage estimates
  • Save time with instant results
  • Personalized recommendations

What is Enhanced IncomeShield?

Enhanced IncomeShield is a MediSave-approved Integrated Shield Plan (IP) that provides extensive coverage for your hospital and surgical expenses. It's designed to complement the basic MediShield Life (MSHL) coverage that all Singapore Citizens and Permanent Residents have, offering additional private insurance coverage for enhanced protection.

Key Features That Make Enhanced IncomeShield Stand Out

Lifetime Coverage with No Limit

You're covered for life, with no lifetime limit on hospital claims . This feature helps reduce financial stress on your loved ones if something unexpected happens.

As-Charged Coverage for Selected Benefits

The plan helps pay for eligible hospitalization costs you've actually incurred, allowing you to focus on recovery without financial worries.

Letter of Guarantee

This makes hospital admission easier by waiving deposits required by hospitals.

MediSave-Payable Premiums

You can use your MediSave to pay for premiums , up to the Additional Withdrawal Limits.

Panel Clinics

Enjoy additional benefits when you seek treatment from Income's panel of trusted medical specialists.

High Entry Age and Long-Term Coverage

You can join the plan up to age 75 and enjoy coverage for life.

Real premiums suggested for Income Enhanced Incomeshield

23, Male making $2,500 a month

Coverage:
Premium:
$201.87
Read More

26, Female making $9,166.667 a month

Coverage:
hospitalisation:
type
private
ward class
standard room and below
Premium:
$217.1
Read More

26, Male making $3,333.333 a month

Coverage:
Premium:
$217.01
Read More

23, Female making $5,000 a month

Coverage:
rider
Deluxe Care
Premium:

19, Female making $2,000 a month

Coverage:
ward entitlement
Standard room in private hospital or private medical institution
policy year limit
$1,500,000
Premium:
$186.43
Read More
Get your own quotes →

What Does Enhanced IncomeShield Cover?

Enhanced IncomeShield offers three plan types: Preferred, Advantage, and Basic. Here's a simplified breakdown of the key benefits:

Ward Entitlement

Preferred: Standard room in private hospital br>Advantage and Basic: Ward class A and below in restructured hospitals

Inpatient Hospital Treatment

Covers daily ward charges, ICU, surgical benefits, organ transplants, surgical implants, radiosurgery, and more.

Pre and Post-Hospitalization Treatment

Preferred: Up to 100 days before and after hospitalization br>Advantage: Up to 180 days before and 365 days after (if provided by panel)br>Basic: Up to 100 days before and after

Community Hospital Care

Covers rehabilitative and sub-acute care for up to 90 days per admission.

Outpatient Hospital Treatment

Includes various cancer treatments, kidney dialysis, and immunosuppressants for organ transplants.

Special Benefits

Includes breast reconstruction after mastectomy, congenital abnormalities treatment, pregnancy and delivery-related complications, living organ donor transplant, cell, tissue, and gene therapy, proton beam therapy, and inpatient psychiatric treatment.

How Much Does It Cost?

The cost of Enhanced IncomeShield depends on your age and the plan you choose. For example:

  • For ages 40 to 65: Annual premiums range from about S$311 to S$641
  • For ages 66 to 75: Annual premiums range from about S$458 to S$898
  • For ages 76 to 85: Annual premiums range from about S$676 to S$1,439

These premiums are inclusive of 9% GST and may increase as you get older.

Enhancing Your Coverage with Riders

Both riders also offer additional benefits for cancer drug treatments and coverage for an extra bed if your insured child is hospitalized.

Deluxe Care Rider

Keeps your out-of-pocket expenses on hospital bills as low as possible br>5% co-payment when treatment is provided by Income's panelbr>Co-payment limit of S$3,000 per policy year

Classic Care Rider

Keeps your hospital bill affordablebr>10% co-payment when treatment is provided by Income's panelbr>Co-payment limit of S$3,000 per policy year

Fill in your details to get started

or

By filling this out, you agree to allow us to contact you about insurance related information.

1170+

Suggestions Facilitated

11+

Insurance Brands Represented

154+

MAS Licensed Advisors

Real-Life Example

Let's say Mr. Lee, age 40, has the Enhanced IncomeShield Preferred Plan and is hospitalized for 4 days in a private hospital for knee replacement surgery. His total bill is S$40,000.

Without a rider:

  • Enhanced IncomeShield pays: S$32,850
  • Mr. Lee pays: S$7,150 (S$3,500 deductible + S$3,650 co-insurance)

With Deluxe Care Rider:

  • Enhanced IncomeShield pays: S$32,850
  • Deluxe Care Rider pays: S$5,150
  • Mr. Lee pays: S$2,000 (5% co-payment, capped at S$3,000 per policy year)

This example shows how adding a rider can significantly reduce your out-of-pocket expenses.

Why Choose Enhanced IncomeShield?

Comprehensive Coverage

Protects you against a wide range of medical scenarios , including costly treatments like cancer therapy and organ transplants.

Flexibility

Choose from three plans and two rider options to suit your needs and budget.

Lifetime Protection

Coverage that stays with you for life , giving you long-term peace of mind.

MediSave-Approved

Use your MediSave to pay premiums, making it more affordable.

Value-Added Services

Access to panel clinics and preferred partners for enhanced benefits.

No Medical Check-Up

Guaranteed acceptance for the basic plan with no health questions asked.

Important Considerations

  • Premiums are not guaranteed and may increase as you age.
  • There are certain exclusions and limitations to the coverage. Always refer to the policy document for full details.
  • The plan is subject to pro-ration if you choose a higher ward class than your entitlement.
  • For non-Singapore citizens, there may be a reduction in benefits (citizenship factor).

Conclusion

In a world of rising healthcare costs, Enhanced IncomeShield offers a comprehensive solution to protect you and your loved ones from the financial impact of medical expenses. With its flexible plans, extensive coverage, and additional rider options, you can tailor your protection to suit your specific needs and budget.

Remember, the best time to get health insurance is when you're healthy. Don't wait until it's too late. Consider Enhanced IncomeShield as your partner in ensuring a healthier, more secure future.

Ready to take the next step? Don't rely on just one opinion. Get expert insights tailored to your unique situation. Sign up now to receive 5 expert opinions on health insurance plans. These professionals will review your needs and provide personalized recommendations, helping you make the most informed decision possible.

By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your needs. Don't leave your health protection to chance – get the expert advice you deserve today.

Get 5 Expert Opinions on Health Insurance Plans

Why people were suggested Income Enhanced Incomeshield

Bryan
Bryan, 23
GenderMale
Monthly Income$2,500
Insurance Types Suggested
  • Hospital
  • Personal Accident
  • Critical Illness
  • Endowment
Why Enhanced Incomeshield Preferred (Main Plan) was suggested:
The Enhanced Incomeshield Preferred (Main Plan) is recommended to provide comprehensive hospitalization coverage for private hospitals. As the advisor mentioned, private hospital coverage offers better pre and post-hospitalization benefits, which can help cover costs incurred before and after admission. This plan covers 90% of the hospital bills, with a one-time deductible and 10% co-insurance payable per year.