Income Insurance Limited

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What you need to know about Income Insurance Limited
Income Health Insurance Plans


What Is IncomeShield?
Income Shield Plan
Enhanced IncomeShield
Income Panel Clinics
IncomeShield Plan Types
INCOMESHIELD PLANS | HOSPITAL WARDS | ANNUAL COVERAGE LIMIT |
---|---|---|
INCOMESHIELD PLANSIncomeShield Standard Plan | HOSPITAL WARDSRestructured hospital for ward class B1 and below | ANNUAL COVERAGE LIMITS$150,000 |
INCOMESHIELD PLANSEnhanced IncomeShield Preferred | HOSPITAL WARDSStandard room in private hospital or private medical institution | ANNUAL COVERAGE LIMITS$1,500,000 |
INCOMESHIELD PLANSEnhanced IncomeShield Advantage | HOSPITAL WARDSRestructured hospital for ward class A and below | ANNUAL COVERAGE LIMITS$500,000 |
INCOMESHIELD PLANSEnhanced IncomeShield Basic | HOSPITAL WARDSRestructured hospital for ward class B1 and below | ANNUAL COVERAGE LIMITS$250,000 |
Why choose Enhanced IncomeShield?
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IncomeShield Exclusions
"As Charged" coverage
Pre- and Post-Hospitalisation treatments
Pre- and Post-Hospitalisation treatments
Community Hospital
Breast Reconstruction after Mastectomy
Pregnancy Complications

Enhanced Income Shield Plan Summary
Enhanced Income Shield Plan is an Integrated Shield Plan (IP) to supplement the coverage you have from your MediShield Life plan provided by the Ministry of Health.
Enhanced IncomeShield increases your MediShield policy's yearly claimable amount from S$100,000 to S$1.5 million, offers you full "As Charged" coverage for hospitalisation, wards, Intensive Care Unit (ICU), surgeries, pregnancy and delivery-related treatments, and outpatient cancer, kidney dialysis, pre- and post-hospitalisation treatments related to your hospitalisation stay.
There are 3 types of Enhanced IncomeShield plans – namely the Preferred for rooms in private hospitals and below, Advantage for wards class A in public hospitals and below, and Basic for wards class B1 in public hospitals and below. You can pay for your premiums with MediSave.
All Income Health Insurance Plans
Income Shield

Enhanced IncomeShield

Income Shield Standard Plan

Income Care Secure (CareShield Life Supplement)

Income ElderShield

Income Hospital Care Insurance

Income Managed Healthcare System

Income Managed Healthcare System – Outpatient Plan

Income MINDEF/ SAF – Portable Medical Insurance

Income PrimeShield

What types of insurance does Income offer?


Types of Insurance offered by Income
Health & Personal Accident

Life

Savings & Investments

Premier

Car & Motorcycle

Travel Insurance

Home & Maid Insurance

Golfer's Insurance

Overseas Studies for Students

Businesses

Employee Benefit

Schools

IncomeShield Riders
What are Riders


Income Deluxe Care
Income Classic Care


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IncomeShield for Foreigners


IncomeShield Coverage
Inpatient

Outpatient

Travel and Emergency

Pre-hospitalisation

Post-hospitalisation

Additional Benefits

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How to apply for your Health Insurance plan


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Income Health Insurance Claims


How Do Claims Work?
HealthConnect Claims
Other Claims


Claim process
Frequently Asked Questions
What is IncomeShield?
- IncomeShield is an integrated shield plan by Income which covers not only hospital and surgical expenses but also pre and post hospitalisation expenses.
Is the IncomeShield payable by medisave?
- Yes, like all other Integrated Shield Plans, the Income Shield insurance plan's premiums are payable by MediSave. If you are using your MediSave to pay for your Integrated Shield Plan (IP), do note that there are Additional Withdrawal Limit – you can only use S$300 from your MediSave to pay for your IP if you are 40 years old or younger (on your next birthday), S$600 if you are aged 41 to 70, and S$900 if you are 71 years and above. Also, you can only have 1 Integrated Shield Plan at any one time.
Do the premiums of the IncomeShield increase with age?
- Yes, as with all health insurance plans, your premiums will increase with age due to the increased probability of health conditions and medical services expenses' continual inflation. For IncomeShield, premium start from S$255 for ages 21 to 30, S$375 for ages 31 to 35, S$392 for ages 36 to 40, S$648 for ages 41 to 45, and so on for the Preferred plan.
Can I get more than one Income integrated shield plans to increase my coverage?
- No, in Singapore, you are only allowed to have 1 Integrated Shield Plan at any given point in time to supplement your MediShield Life plan, regardless of which insurance company you are insured by.
Is the quoted premium an additional amount I have to pay besides my Income MediShield Life plan?
- It depends – some insurers present their Integrated Shield Plan premiums with Income MediShield Life premiums included to give you an overview of the price. Some insurance companies, however, split up both the premiums of MediShield Life and their Integrated Shield Plans' premiums in separate columns. Do check the fine print of the premiums table to check if MediShield Life's premiums have been included. If you are browsing the Income Shield brochures online and are looking at the premiums listed in the brochure, Income has split up the payments for MediShield Life and their IncomeShield plans into separate columns for clarity.
Can foreigners buy IncomeShield plans?
- Yes, they are eligible for IncomeShield Preferred, Advantage and Basic plan.
How do I claim for IncomeShield?
- You can either submit the claim form to the Income’s Claim Service center or approach your advisor to process the claim for you.
How do I pay IncomeShield premiums?
- If you are a dependent of a Singaporean or PR, you can either pay via Medisave, cash, cheque, credit card or GIRO. If you are a non-dependent of a Singaporean or PR, you cannot pay via Medisave but can pay using cash, cheque, credit card or GIRO.