Health Insurance

Enhanced IncomeShield Plan – Product Summary

FAQs and Practice Notes	Web Forms
Assist Rider Conversion to Enhanced IncomeShield Enhanced IncomeShield IncomeShield Recovery Medisave-Approved Integrated Shield Plan Daily Cash Rider Child Illness Rider Hospital Admission Guide	Application Form PR/Foreigner Upgrade Form Upgrade Plan/Add Riders Underwriting Questionnaires Payment Alteration Policy Alteration Reinstatement Claim Form (refer to Hospital Admission Guide for details) Attending Physician Statement - Child Illness Rider

You look after your health. We look after your hospital expenses.
Enhanced IncomeShield
No upfront payment for medical expenses³.
No worries.

The last thing you’d want to worry about when you’re facing a medical emergency is your cash flow. Enhanced IncomeShield covers hospitalisation, surgery and certain outpatient treatments.

You get the peace of mind to focus on your health and recovery whilst your hospital and surgical expenses are taken care of¹.

BENEFITS AT A GLANCE

Unlimited lifetime coverage
‘As charged²’ coverage
Letter of Guarantee³ waives deposit required by hospital
Enhanced coverage with add-on Riders
- Assist Rider⁴ minimises your hospital bills
- Child Illness Rider¹ protects your child’s well-being
- Daily Cash Rider¹ pays you cash if you’re hospitalised
Premium payable with Medisave funds (main plan only)
24-hour Healthcare Hotline

A plan for everyone

Depending on your financial and medical needs, you have a choice of three Enhanced IncomeShield plan types: Basic, Advantage and Preferred.

View details of:

What are the benefits?

Unlimited lifetime coverage
Enhanced IncomeShield covers you for life, so your loved ones are relieved of the financial burden when the unforeseen happens.
‘As charged’ coverage
Often, your insurance only covers a percentage of your hospitalisation bills. Our Enhanced IncomeShield plan offers more ‘As charged²’ features, paying what’s incurred.

Letter of Guarantee
To lessen any anxiety and to facilitate an easier admission to the hospital, the Letter of Guarantee³ waives any deposit required by the hospital.
Affordability and Flexibility
With Enhanced IncomeShield, you won’t need cash upfront. You’ll be able to use your CPF Medisave funds to pay your premiums, subject to a limit of $800 per person, per year. From 1 December 2008, if the insured person is aged above 80, the Medisave limit is increased to $1,150.
More than just insurance
With you in mind, our Wellness@IS program has lined up a variety of special treats that you can enjoy all year round, once you become our policyholder.
24-hour Healthcare Hotline (6332 1133)
You shouldn’t have to wait in times of emergency. Our 24-hour hotline lets you access your policy details anytime.

IMPORTANT NOTES

¹ Subject to precise terms, conditions and exclusions of this plan specified in the Policy Contract/Rider.

² Subject to deductible, co-insurance, admission of ward class and other terms.

³ Subject to individual hospital guidelines. Other terms and conditions apply.

⁴ The Assist Rider is applicable to all nationalities and premiums are payable by cash/cheque/GIRO. The plan selected for the Assist Rider must be the same as your Enhanced IncomeShield Plan.

This website is for general information only and is not a contract of insurance. The precise terms, conditions and exclusions of this plan are specified in the Policy Contract. You should seek advice from a qualified adviser if in doubt. If you choose not to, you will have to take sole responsibility to ensure that this product is appropriate to your financial needs and insurance objectives. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.

Information is correct as of 13 July 2010