Better. Care. Better Lives. Enhanced IncomeShield

Transcription

1 Better Care Better Lives Enhanced Unlimited lifetime coverage. Affordable and flexible protection. Having peace of mind ensures that you can focus on the finer things in life. Enhanced is a Medisave-approved Integrated Shield Plan (IP) that gives you assurance that your hospital and surgical expenses1 are well taken care of. Why is it good for me? 1 Unlimited lifetime coverage2 4 Premiums payable with Medisave (main plan only) 2 As charged3 coverage helping you pay for what you have incurred 5 Option to enhance coverage with additional riders - Plus Rider5 gives you coverage from the first dollar6 - Assist Rider5 minimises your hospital bills - Daily Rider5 pays you cash if you re hospitalised - Child Illness Rider5 protects your child s well-being 3 Letter of Guarantee4 to waive hospital deposits

2 MediShield Life and Enhanced Enhanced is an Integrated Shield Plan which consists of two parts the MediShield Life portion and an additional private insurance coverage portion. MediShield Life is a national health insurance scheme for all Singapore Citizens and Permanent Residents. If you are covered under Enhanced, you will enjoy the combined benefits of MediShield Life, which is administered by the Central Provident Fund Board, and the enhanced benefits of the additional private insurance coverage portion, which is provided by Income. If you would like to find out more details about MediShield Life, and subsidies that you may be eligible for, please refer to Enhanced - Additional Private Insurance Coverage MediShield Life Unlimited lifetime coverage You are covered, for life. With no lifetime limit 2 on your hospital claims, your loved ones are relieved of financial burden if something unforeseen happens. As charged coverage Enhanced helps to pay for the eligible hospitalisation costs that you have incurred 3, so you can focus on recuperating without any financial stress. Letter of Guarantee A Letter of Guarantee 4 makes hospital admission easier by waiving deposits required by hospitals.

3 Affordable and flexible Use your CPF Medisave to pay your premiums. With the launch of MediShield Life, the Medisave withdrawal limit is restructured to two parts: MediShield Life MediShield Life premiums can be fully payable by Medisave. Additional Withdrawal Limit (AWL) for additional private insurance coverage The Additional Withdrawal Limit (AWL) is the maximum Medisave limit that you can use for your Enhanced s additional private insurance coverage premiums. The maximum Medisave that can be used to pay for each insured annually depends on the insured s age at their next birthday. Additional Withdrawal Limits (AWLs) for additional private insurance coverage Age next birthday From 1 Nov to 40 $ to 70 $600 Over 70 $900 A plan for everyone Depending on your financial and medical needs, Enhanced offers you a choice of four plan types: Preferred, Advantage, Basic and Enhanced C. Enhanced C is only available to Singapore Citizens and Singapore Permanent Residents who meet any of the conditions below. Resides in a three-room HDB flat or below Household monthly income of $3,500 and below

4 Benefits Ward entitlement Inpatient hospital treatment MediShield Life Enhanced (Payout includes MediShield Life payout) Preferred Advantage Basic Enhanced C Standard room in private hospital or private medical institution Restructured hospital for ward class A and below Limits of compensation Restructured hospital for ward class B1 and below Restructured hospital for ward class B2 and below Room, board and medical-related services 7 Intensive care unit (ICU) and medicalrelated services 7 Surgical benefits (including day surgery) Surgical limits table limits for various categories of surgery, as classified by the Ministry of Health in its latest surgical operation fees table - Table 1 (less complex procedures) - Table 2 - Table 3 - Table 4 - Table 5 - Table 6 - Table 7 (more complex procedures) Organ transplant benefit (including stem-cell transplant) $700 (each day) $1,200 (each day) $200 $480 $900 $1,150 $1,400 $1,850 Covered under inpatient hospital treatment Surgical implants 8 $7,000 (each treatment) Gamma knife and novalis radiosurgery Accident inpatient dental treatment Pre-hospitalisation treatment 9 (up to 90 days before admission) Post-hospitalisation treatment 9 (up to 90 days after discharge) $4,800 (each procedure) Covered under inpatient hospital treatment Not covered Staying in a community hospital 7, 10 $350 (each day) As charged As charged As charged As charged As charged (up to 90 days for each admission) As charged (up to 90 days for each admission) As charged (up to 90 days for each admission) As charged (up to 45 days for each admission)

5 Benefits MediShield Life Preferred Advantage Basic Enhanced C Outpatient hospital treatment Limits of compensation Stereotactic radiotherapy for cancer Radiotherapy for cancer - External or superficial - Brachytherapy with or without external Chemotherapy for cancer Immunotherapy for cancer Renal dialysis Erythropoietin and other drugs approved under MediShield Life for chronic renal failure Cyclosporin or tacrolimus and other drugs approved under MediShield Life for organ transplant Special benefits $1,800 (each session) $140 (each session) $500 (each session) (each month) Not covered $1,000 (each month) $200 (each month) $200 (each month) As charged As charged As charged As charged Limits on special benefits Congenital abnormalities benefit As charged (with 24 months waiting period) As charged (with 24 months waiting period) As charged (with 24 months waiting period) Pregnancy complications benefit As charged 11 (with 10 months waiting period) As charged 11 (with 10 months waiting period) As charged 11 (with 10 months waiting period) Living organ donor (insured) transplant benefit - Insured as the living donor donating an organ Covered under inpatient hospital treatment up to $60,000 (each transplant with 24 months waiting period for the person receiving the organ) up to $40,000 (each transplant with 24 months waiting period for the person receiving the organ) up to $20,000 (each transplant with 24 months waiting period for the person receiving the organ) Covered up to MediShield Life benefits only Living organ donor (non-insured) transplant benefit (each transplant) - Insured as the recipient of organ up to $60,000 Covered up to MediShield Life benefits only Covered up to MediShield Life benefits only Inpatient psychiatric treatment benefit $100 (each day, up to 35 days) up to $7,000 (each policy year) up to $7,000 (each policy year) up to $5,000 (each policy year) up to $5,000 (each policy year) Prosthesis benefit (each policy year) Covered under surgical implants up to $10,000 up to $6,000 up to $6,000 up to Emergency overseas treatment Not covered As charged but limited to costs of Singapore private hospitals As charged but limited to costs of ward class A in Singapore restructured hospitals As charged but limited to costs of ward class B1 in Singapore restructured hospitals As charged but limited to costs of ward class B2 in Singapore restructured hospitals Final expenses benefit 12 $5,000 $5,000

6 Benefits MediShield Life Preferred Advantage Basic Enhanced C Limit in each policy year $100,000 $700,000 $500,000 $250,000 $150,000 Limit in each lifetime Unlimited Unlimited Unlimited Unlimited Unlimited Last entry age (age next birthday) Maximum coverage age Lifetime Lifetime Lifetime Lifetime Lifetime Pro-ration factor 13 SG PR FR SG/PR/FR SG/PR/FR SG/PR/FR 14 SG/PR/FR 14 Inpatient - Restructured hospital - Ward class C - Ward class B2 - Ward class B2+ - Ward class B1 - Ward class A - Private hospital or private medical institution or emergency overseas treatment - Community hospital - Ward class C, B2 or B2+ - Ward class B1 - Ward class A 100% 100% 70% 43% 100% 44% 58% 47% 38% 20% N.A % 85% 85% 40% 20% 15% 40% 20% Day surgery - Restructured hospital subsidised - Restructured hospital non-subsidised - Private hospital or private medical institution or emergency overseas treatment 100% 58% N.A % 20% 15% Short-stay ward - Restructured hospital subsidised - Restructured hospital non-subsidised 100% 58% 20% Outpatient hospital treatment - Restructured hospital subsidised - Restructured hospital non-subsidised 16 - Private hospital or private medical institution % 67% N.A % 15% SG: Singapore Citizen PR: Singapore Permanent Resident FR: Foreigner

7 Benefits MediShield Life Preferred Advantage Basic Enhanced C Deductible for each policy year for an insured aged 80 years or below at next birthday 17 Inpatient - Restructured hospital - Ward class C - Ward class B2 or B2+ - Ward class B1 - Ward class A - Private hospital or private medical institution or emergency overseas treatment - Community hospital - Ward class C - Ward B2 or B2+ - Ward class B1 - Ward class A $3,500 $3,500 $3,500 $3,500 $3,500 $3,500 Day surgery or short-stay ward - Subsidised - Non-subsidised $3,500 $3,500 Deductible for each policy year for an insured aged over 80 years at next birthday 17 Inpatient - Restructured hospital - Ward class C - Ward class B2 or B2+ - Ward class B1 - Ward class A - Private hospital or private medical institution or emergency overseas treatment - Community hospital - Ward class C - Ward B2 or B2+ - Ward class B1 - Ward class A $2,250 $5,250 $5,250 $2,250 $5,250 $2,250 $5,250 $5,250 $2,250 $5,250 $2,250 $2,250 $2,250 $2,250 Day surgery or short-stay ward - Subsidised - Non-subsidised $5,250 $5,250 Co-insurance Inpatient hospital treatment Claimable amount 18 : $0 - $3,001 - $5,000 $5,001 - $10,000 Above $10,000 5% 3% Outpatient hospital treatment

8 Table of Premium Rates Enhanced Yearly Premium Rates 19 for insured person who is a Singapore Citizen or Permanent Resident Age next birthday^ MediShield Life Additional Premiums Withdrawal (Fully Limits payable (AWLs) by Medisave) ~ 1 to 18 $130 Premiums Additional private insurance coverage Enhanced Preferred Advantage Basic - SG Basic - PR Enhanced C - SG Enhanced C - PR Premiums Premiums Premiums Premiums Premiums $142 - $69 - $49 - $56 - $24 - $33-19 to 20 $130 $194 - $87 - $73 - $78 - $40 - $51-21 to 30 $195 $300 $178 - $71 - $57 - $62 - $24 - $35-31 to 35 $310 $236 - $104 - $71 - $81 - $37 - $54-36 to 40 $310 $250 - $128 - $81 - $99 - $37 - $54-41 to 45 $435 $445 - $212 - $123 - $151 - $68 - $ to 50 $435 $470 - $224 - $140 - $170 - $70 - $ to 55 $630 $627 $27 $343 - $154 - $185 - $89 - $126 - $ to 60 $630 $668 $68 $379 - $166 - $198 - $93 - $ to 65 $755 $946 $346 $603 $3 $308 - $367 - $193 - $ to 70 $815 $1,369 $769 $912 $312 $477 - $578 - $305 - $ to 73 $885 $2,012 $1,112 $1,299 $399 $725 - $871 - $465 - $ to 75 $975 $2,509 $1,609 $1,544 $644 $859 - $1,031 $131 $561 - $ to 78 $1,130 $2,995 $2,095 $1,877 $977 $1,026 $126 $1,238 $338 $704 - $958 $58 79 to 80 $1,175 $3,399 $2,499 $2,169 $1,269 $1,162 $262 $1,398 $498 $803 - $1,086 $ to 83 $1,250 $3,780 $2,880 $2,242 $1,342 $1,275 $375 $1,508 $608 $987 $87 $1,289 $ to 85 $1,430 $4,210 $3,310 $2,561 $1,661 $1,502 $602 $1,775 $875 $1,060 $160 $1,381 $ to 88 $900 $4,721 $3,821 $2,849 $1,949 $1,656 $756 $2,169 $1,269 $1,120 $220 $1,814 $ to 90 $5,196 $4,296 $3,152 $2,252 $1,929 $1,029 $2,491 $1,591 $1,205 $305 $1,924 $1, to 93 $1,530 $5,652 $4,752 $3,487 $2,587 $2,308 $1,408 $2,939 $2,039 $1,307 $407 $2,057 $1, to 95 $1,530 $6,119 $5,219 $3,878 $2,978 $2,573 $1,673 $3,250 $2,350 $1,523 $623 $2,337 $1, to 98 $1,530 $6,558 $5,658 $4,249 $3,349 $2,836 $1,936 $3,560 $2,660 $1,726 $826 $2,602 $1, to 100 $1,530 $6,977 $6,077 $4,609 $3,709 $3,108 $2,208 $3,881 $2,981 $1,866 $966 $2,783 $1,883 Over 100 $1,530 $7,376 $6,476 $4,985 $4,085 $3,395 $2,495 $4,221 $3,321 $2,066 $1,166 $3,043 $2,143 SG: Singapore Citizen PR: Singapore Permanent Resident ^ The last entry age is 75, based on the insured s age next birthday, when cover starts. ~ Your MediShield Life premiums may differ depending on your premium subsidies, premium rebates and whether you need to pay for the Additional Premiums. The net MediShield Life premium payable after accounting for these is fully payable by Medisave. # This refers to the cash outlay if you are paying by Medisave (assuming you have sufficient monies in your Medisave account). If you are not paying by Medisave, your total cash outlay will be equal to MediShield Life Premiums + Premiums for Additional private insurance coverage. For example, for an insured aged 30 (at next birthday) buying Enhanced Preferred plan, the total premium = $195 + $178 = $373

9 Enhanced Yearly Premium Rates 19 for insured person who is a Foreigner Age next birthday^ Total Medisave Withdrawal Limits ~ Total premiums Enhanced Preferred Advantage Basic - FR Enhanced C - FR Total premiums Total premiums Total premiums 1 to 18 $430 $272 - $199 - $194 - $ to 20 $430 $324 - $217 - $215 - $ to 30 $495 $373 - $266 - $264 - $ to 35 $610 $546 - $414 - $401 - $ to 40 $610 $560 - $438 - $433 - $ to 45 $1,035 $880 - $647 - $629 - $ to 50 $1,035 $905 - $659 - $650 - $ to 55 $1,230 $1,257 $27 $973 - $907 - $ to 60 $1,230 $1,298 $68 $1,009 - $922 - $ to 65 $1,355 $1,701 $346 $1,358 $3 $1,229 - $1, to 70 $1,415 $2,184 $769 $1,727 $312 $1,481 $66 $1, to 73 $1,785 $2,897 $1,112 $2,184 $399 $1,986 $201 $1, to 75 $1,875 $3,484 $1,609 $2,519 $644 $2,241 $366 $2,024 $ to 78 $2,030 $4,125 $2,095 $3,007 $977 $2,643 $613 $2,383 $ to 80 $2,075 $4,574 $2,499 $3,344 $1,269 $2,909 $834 $2,631 $ to 83 $2,150 $5,030 $2,880 $3,492 $1,342 $2,882 $732 $2,606 $ to 85 $2,330 $5,640 $3,310 $3,991 $1,661 $3,321 $991 $3,022 $ to 88 $2,400 $6,221 $3,821 $4,349 $1,949 $4,010 $1,610 $3,617 $1, to 90 $2,400 $6,696 $4,296 $4,652 $2,252 $4,364 $1,964 $3,888 $1, to 93 $2,430 $7,182 $4,752 $5,017 $2,587 $4,888 $2,458 $4,175 $1, to 95 $2,430 $7,649 $5,219 $5,408 $2,978 $5,232 $2,802 $4,506 $2, to 98 $2,430 $8,088 $5,658 $5,779 $3,349 $5,573 $3,143 $4,818 $2, to 100 $2,430 $8,507 $6,077 $6,139 $3,709 $5,928 $3,498 $5,032 $2,602 Over 100 $2,430 $8,906 $6,476 $6,515 $4,085 $6,302 $3,872 $5,342 $2,912 FR: Foreigner ^ The last entry age is 75, based on the insured s age next birthday, when cover starts. ~ If you are paying for a foreigner whose plan does not have a MediShield Life portion, you can utilise an equivalent amount of Medisave to pay for his/her premiums. # This refers to the cash outlay if you are paying by Medisave (assuming you have sufficient monies in your Medisave account). If you are not paying by Medisave, your total cash outlay will be equal to the Total Premiums. For example, for an insured aged 30 (at next birthday) buying Enhanced Preferred plan, the total cash outlay will be $373.

10 Riders Enhance your coverage with riders. Riders are additional features that help you to customise your insurance plan to your specific needs so you will have additional protection and the assurance you desire for peace of mind. Depending on your particular needs, a total of four riders are available to supplement your Enhanced : Plus Rider, Assist Rider, Daily Rider and Child Illness Rider. Plus Rider Gives you coverage from the first dollar Zero deductible and co-insurance 1, so you don t have to worry about expensive hospital bills 2. Daily hospital cash benefits 20 if you re warded in a class lower than your entitled ward Plan Admitted ward in restructured hospital benefit received for each day Preferred B1, B2 or C $150 Preferred A $125 Advantage B1, B2 or C $100 Basic B2 or C $75 3. Receive up to $80 per day (for a maximum of 10 days each hospital stay) for the cost of an extra bed for you to sleep over if your insured child 21 gets warded Plus Rider Yearly Premium Rates 19 Age next Age next Preferred Advantage Basic Enhanced C birthday^ birthday^ Preferred Advantage Basic Enhanced C 1 to 18 $238 $167 $98 $76 76 to 78 $2,108 $1,482 $949 $ to 30 $245 $175 $105 $99 79 to 80 $2,425 $1,700 $1,145 $1, to 35 $268 $188 $119 $ to 83 $2,704 $1,908 $1,318 $1, to 40 $282 $195 $126 $ to 85 $2,865 $2,107 $1,455 $1, to 45 $445 $330 $215 $ to 88 $3,128 $2,276 $1,604 $1, to 50 $518 $349 $221 $ to 90 $3,393 $2,575 $1,756 $1, to 55 $608 $427 $282 $ to 93 $3,660 $2,782 $1,917 $1, to 60 $636 $448 $303 $ to 95 $3,922 $2,998 $2,031 $2, to 65 $778 $634 $408 $ to 98 $4,188 $3,219 $2,162 $2, to 70 $969 $839 $525 $ to 100 $4,450 $3,433 $2,305 $2, to 73 $1,465 $1,049 $662 $625 Over 100 $4,611 $3,594 $2,394 $2, to 75 $1,751 $1,237 $794 $768 ^ The last entry age is 75, based on the insured s age next birthday, when cover starts.

11 Assist Rider Keeps your hospital bill to a minimum. 1. Pay of the claimable amount 1, subject to a maximum co-payment each policy year Maximum co-payment for each policy year Preferred Advantage Basic Enhanced C 2. Receive a daily hospital cash benefit 20 if the ward you are admitted to is lower than your entitled ward Plan Admitted ward in restructured hospital benefit received for each day Preferred B1, B2 or C $150 Preferred A $125 Advantage B1, B2 or C $100 Basic B2 or C $75 3. Receive up to $80 per day (for a maximum of 10 days each hospital stay) for the cost of an extra bed for you to sleep over if your insured child 21 gets warded Assist Rider Yearly Premium Rates 19 Age next Preferred Advantage Basic Enhanced C birthday^ Age next Preferred Advantage Basic Enhanced C birthday^ 1 to 18 $141 $106 $76 $58 76 to 78 $1,240 $1,025 $686 $ to 30 $146 $110 $83 $62 79 to 80 $1,443 $1,131 $800 $ to 35 $153 $118 $92 $67 81 to 83 $1,606 $1,241 $894 $ to 40 $161 $129 $98 $73 84 to 85 $1,771 $1,310 $983 $ to 45 $239 $196 $157 $ to 88 $1,933 $1,590 $1,252 $ to 50 $270 $212 $165 $ to 90 $2,097 $1,700 $1,359 $1, to 55 $321 $256 $207 $ to 93 $2,172 $1,746 $1,465 $1, to 60 $347 $272 $214 $ to 95 $2,240 $1,799 $1,570 $1, to 65 $490 $402 $296 $ to 98 $2,305 $1,851 $1,677 $1, to 70 $633 $552 $387 $ to 100 $2,376 $1,904 $1,781 $1, to 73 $882 $734 $468 $371 Over 100 $2,442 $1,978 $1,846 $1, to 75 $1,037 $877 $581 $438 ^ The last entry age is 75, based on the insured s age next birthday, when cover starts.

12 Daily Rider Receive cash benefits 1 upon hospitalisation for extra funds to pay for day-to-day expenditures and other treatment costs. 1. Daily cash benefits 22 if you get hospitalised: 2. Get-well benefit upon discharge 23 Benefit type Preferred Advantage Basic/Enhanced C Daily cash benefit 22 (each day) $150 $100 $50 Get-well benefit 23 $300 $250 $ Extended payout of daily cash benefits for up to 365 days in the event of prolonged hospital stays Daily Rider Yearly Premium Rates 19 Age next birthday^ Preferred Advantage Basic/ Enhanced C Age next birthday^ Preferred Advantage Basic/ Enhanced C 1 to 30 $83 $61 $28 66 to 70 $396 $288 $ to 40 $110 $80 $37 71 to 73 $508 $369 $ to 50 $134 $98 $45 74 to 75 $619 $450 $ to 55 $168 $122 $56 76 to 80 $716 $520 $ to 60 $224 $163 $75 81 to 85 $829 $602 $ to 65 $282 $205 $94 ^ The last entry age is 65, based on the insured s age next birthday, when cover starts.

13 Child Illness Rider Your child s health and well-being is most important. Give your child additional protection. 1. Receive up to $20,000 1 in the event that your child is stricken with the covered child-related illnesses Covered Child-related illnesses Severe asthma Insulin-dependent diabetes mellitus Leukaemia Haemophilia Bone-marrow transplant Still s disease Rheumatic disease with valvular impairment Mental retardation due to sickness, injury or accident Kawasaki disease 2. If your child fractures his/her skull, spine, pelvis or femur, due to an accident, you will receive of the sum assured 1, up to a combined sum of 100% of the sum assured within a policy year Child Illness Rider Yearly Premium Rates 19 Age next birthday^ Premium 1 to 25 $99 ^The last entry age is 24, based on the insured s age next birthday, when cover starts.

14 How Enhanced works for you Enhanced pays: You pay: Co-insurance You pay: Deductible Deductible: Amount per policy year you would need to pay for claims made in a policy year, before there is a payout from Enhanced Co-insurance: Percentage share you need to pay in excess of the Deductible How Enhanced and Plus Rider work for you Mr Lee, who is covered under Enhanced Preferred Plan, was admitted to a private hospital for 4 days after undergoing a knee replacement surgery. His total bill was $26,000. Enhanced (Preferred Plan) Enhanced Preferred Plan (including MediShield Life) pays: $20,250 Co-insurance He pays: $2,250 Deductible He pays: $3,500 $26,000 Enhanced (Preferred Plan) and Plus Rider Enhanced Preferred Plan (including MediShield Life) pays: $20,250 Plus Rider pays Co-insurance: $2,250 Plus Rider pays Deductible: $3,500 $26,000

15 How Enhanced, Assist Rider and Daily Rider work for you Enhanced (Preferred Plan) Enhanced Preferred Plan (including MediShield Life) pays: $20,250 Co-insurance He pays: $2,250 Deductible He pays: $3,500 $26,000 Enhanced (Preferred Plan) and Assist Rider Enhanced Preferred Plan (including MediShield Life) + Assist Rider pays: $23,400 Co-payment He pays: $2,600 ( of claimable amount, capped at ) $26,000 Enhanced (Preferred Plan), Assist Rider and Daily Rider Enhanced Preferred Plan (including MediShield Life) + Assist Rider pays: $23,400 Co-payment He pays: $2,600 $26,000 Daily Rider pays him: $900 (Daily cash benefits of $150 x 4 days + Get-well benefits of $300) Note: The presented illustrations are based on the 50 th percentile of private hospital knee replacement surgery bills. 50 th percentile bill size means of patients pay this amount or less, and pay more. Source: s claim records for knee replacement surgery (cases from 1 Jul 2014 to 30 Jun 2015).

16 About Income Income was established in 1970 to provide affordable insurance for workers in Singapore. Today, two million people in Singapore look to Income for trusted advice and solutions when making their most important financial decisions. Our wide network of advisers and partners provide life, health and general insurance products and services to serve the protection, savings and investment needs of customers across all segments of society. As a social enterprise, Income was made different. Our social purpose is to make insurance accessible, affordable and sustainable for all. Putting people before profits, we strive to create and maximise value for customers. In 2015, Income had over $32.4 billion in assets under management. Our financial strength and diversified investment portfolio is reflected by our strong credit ratings which underpin the delivery of our commitment to customers. Get in touch MEET your Income adviser CHAT instantly at income.com.sg/adviserconnect CALL CLICK Income s corporate social responsibility initiative, OrangeAid, focuses on children and youth, especially the disadvantaged. For more about Income, please visit IMPORTANT NOTES 1 Subject to precise terms, conditions and exclusions specified in the policy contract for Enhanced and riders. 2 Subject to policy year limit and any benefit limits. 3 We reimburse you the eligible hospitalisation cost you have incurred, subject to deductible, co-insurance, admission of ward class, benefit limits and any other policy terms (including exclusions). 4 Subject to individual hospital guidelines. Other terms and conditions apply. 5 The plan selected for the Plus Rider, Assist Rider and Daily Rider must be the same as the Enhanced plan. The premium rates for all riders are applicable to all nationalities. The premiums are payable by cash, cheque or GIRO only. 6 Subject to admission of ward class, benefit limits and other policy terms. 7 Includes meals, prescriptions, medical consultations, miscellaneous medical charges, specialist consultations, examinations, and laboratory tests. 8 Includes: - Intravascular electrodes used for electrophysiological procedures - Percutaneous transluminal coronary angioplasty (PTCA) balloons - Intra-aortic balloons (or balloon catheters). 9 Pre-hospitalisation and post-hospitalisation treatment are not covered for treatment given before or after inpatient psychiatric treatment benefit, accident inpatient dental treatment, emergency overseas treatment or stay in a short-stay ward.

17 IMPORTANT NOTES 10 To claim for staying in a community hospital, - the insured must have first had inpatient hospital treatment in a restructured hospital or private hospital; - after the insured is discharged from the restructured hospital or private hospital, they must immediately be admitted to a community hospital for a continuous period of time; - the attending registered medical practitioner in the restructured or private hospital must have recommended in writing that the insured needs to be admitted to a community hospital for necessary medical treatment; and - the treatment must arise from the same injury, illness or disease that resulted in the inpatient hospital treatment. 11 Pregnancy complications benefit pays for inpatient hospital treatment for the following: - ectopic pregnancy - pre-eclampsia or eclampsia - disseminated intravascular coagulation (DIC) - miscarriage where the foetus of the insured dies as a result of a sudden unexpected, non-malicious and involuntary event - ending a pregnancy if an obstetrician considers it necessary to save the life of the insured. 12 We will waive (not enforce) the co-insurance and deductible due for a claim for the inpatient hospital treatment, pre-hospitalisation treatment and post-hospitalisation treatment if the insured dies (i) while in hospital; or (ii) within 30 days of leaving hospital. If the insured dies within 30 days of leaving the hospital, we will also waive the co-insurance due for a claim of outpatient hospital treatment if the treatment was received by the insured within 30 days of leaving hospital. 13 If the insured is admitted into a ward and medical institution that is higher than what they are entitled to, we will only pay the percentage of the reasonable expenses for necessary medical treatment of the insured as shown using the pro-ration factor that applies to the plan. 14 If the insured is a Singapore Permanent Resident or a foreigner, we will further reduce the amount of each benefit we will pay by the citizenship factor below. The citizenship factor applies to any claim under your policy unless you have chosen the Singapore Permanent Resident or foreigner plan. - Enhanced Basic: 89% (for Singapore Permanent Resident); 80% (for foreigner) - Enhanced C: 57% (for Singapore Permanent Resident); 28% (for foreigner) 15 Foreigners are not eligible for subsidised community hospital stays, subsidised day surgery, and subsidised outpatient hospital treatment. 16 Pro-ration for non-subsidised outpatient cancer treatments will apply for MediShield Life from 1 Nov Renal dialysis and immunosuppressant drugs approved under MediShield Life for organ transplant will not be pro-rated for MediShield Life. 17 Deductible does not apply to outpatient hospital treatment. 18 Claimable amount is the lower of (i) the claim limit in the table or (ii) the amount after adjusting the charges for pro-ration and citizenship factor, if needed. 19 Premium rates are inclusive of 7% GST. Yearly premium rates are applicable to policies and riders effective 1 November 2015 onwards. Yearly premiums are based on the insured s age at next birthday, and will increase when the insured reaches the next age band. Premium rates are non-guaranteed and may be reviewed from time to time. 20 We pay a daily hospital cash benefit for each full day the insured is admitted to a lower ward class than the ward class they are entitled to under the policy. If the insured is in hospital for only part of a day, we will pay half of the hospital cash benefit for that day. Whether we class the stay in hospital as a full day or part of a day will depend on whether the hospital charges the room rate for a full day or for half a day, for the day in question. 21 The insured child must be aged 18 years or below on the date a claim is made for this benefit under the insured child s policy. 22 The start date of hospitalisation must be before the end of the policy year in which the insured reaches age 85. Apart from hospitalisation as a result of an accident, the start date of hospitalisation must be 30 days after the start date of this rider or last reinstatement date (if any) of this rider. The total number of days of hospitalisation arising from the same accident or illness from the same confirmed diagnosis, whether the hospitalisation covers one or more policy years, is not more than 365 days. Out of this, any stay in a community hospital must not be for more than 45 days. 23 Apart from hospitalisation arising as a result of an accident, the start date for the hospitalisation must be 30 days after the start date of this rider or last reinstatement date (if any) of this rider. We will not pay the get-well benefit if the insured dies while in hospital; or the insured is in hospital for less than 48 hours.

18 IMPORTANT NOTES Enhanced is available as a Medisave-approved Integrated Shield Plan for insured who is a Singapore Citizen or a Singapore Permanent Resident. This applies as long as the insured meets the eligibility conditions under MediShield Life. If the insured is a foreigner who has an eligible valid pass with a foreign identification number (FIN), Enhanced is not available as an Integrated Shield Plan. This is for general information only. You can find the usual terms and conditions of this plan at daily-cash-rider-policy-conditions.pdf and All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want. If you find that this plan is not suitable after purchasing it, you may terminate it within the free-look period, and obtain a refund of premiums paid. This policy is protected under the Policy Owners Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income or visit the GIA/LIA or SDIC websites ( sg or or Information is correct as of 15 June 2016