Coverage for private hospitalisation

50% - 100% higher benefits limits than Plan A

~~~ Available from 1st of Nov 2005 ~~~

Is the escalating healthcare cost, especially for treatment of serious illnesses causing you worry? The hospital bills are probably the last thing you want to worry about when you are ill. While you are recuperating, Incomeshield will take care of your hefty medical expenses.

Guaranteed Renewable Lifetime Coverage
When most medical plans gives you coverage up to the age of 80 to 85, or stops when there is a major claim, this policy is the first insurer to give you a lifetime coverage that is renewable. Your family then can be covered for life even after a major claim.

Improved Benefits
All new and existing policyholders will enjoy all of these improved benefits.

• Higher lifetime and annual limits to cover rising standard of living and longer life expectancy.
• Higher Room & Board and surgical limits
• Up to 2 implants will be covered per admission
• Lower co-insurance, reduced to 10%

No Cash Required+
Your CPF Medisave Account will be used to pay for the premiums even beyond the age of 80 therefore you do not need to fork out any cash at all. You are able to use your family members’ Medisave accounts if you do not have one. Incomeshield provides the lowest premiums in the market.
+ Up to $660 per person per year can be used to pay premium with CPF Medisave.

Flexible Deductible
Deductibles, which is the initial payment to be borne by the policy holder has been increased by all insurers to meet MOH requirements. Higher deductibles maybe offset by lower so-insurance rate and increase benefit limits.

Pre and Post Hospitalization Expenses
The balance of the maximum benefit which is not fully utilized by hospitalization can be used to cover specialist consultation, examination and laboratory tests, and any post-hospitalization treatment.

Final Expenses Benefit
Deductible and co-insurance will be waived at any event of death during or within 30 days after hospitalization (conditions apply).

10% No Claim Discount
If no claims had been made in the preceding 12 months after being insured by Incomeshield for at least 3 years, enjoy a 10% discount on your next renewal premium (subject to change). Discount applies every year if you remain claim free.

Eligibility
All CPF Medisave members are eligible to be insured under this plan. Other private medical insurance using Medisave will cease once you are insured with Incomeshield. Cases received and approved by 15th of the month will commence on the 1st of the following month, subject to payment so premium.

This is only product information provided and we recommend that you seek advice from a qualified adviser if you need further assistance. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.