Schedule of enefits Benefits Preferred Advntge Bsic Enhnced C Wrd entitlement Stndrd room in privte hospitl or privte medicl institution Restructured hospitl for wrd clss A nd elow Restructured hospitl for wrd clss B1 nd elow Restructured hospitl for wrd clss B2 nd elow Inptient hospitl tretment Limits of compenstion Room, ord nd medicl-relted services Intensive cre unit (ICU) nd medicl-relted services Surgicl enefits (including dy surgery) Orgn trnsplnt enefit (including stem-cell trnsplnt) Surgicl implnts As chrged As chrged As chrged As chrged Gmm knife nd novlis rdiosurgery Accident inptient dentl tretment Pre-hospitlistion tretment (up to 90 dys efore dmission) Post-hospitlistion tretment (up to 90 dys fter dischrge) Stying in community hospitl As chrged (up to 90 dys for ech dmission) As chrged (up to 90 dys for ech dmission) As chrged (up to 90 dys for ech dmission) As chrged (up to 45 dys for ech dmission) Outptient hospitl tretment Limits of compenstion Stereotctic rdiotherpy for cncer Rdiotherpy for cncer Chemotherpy for cncer Immunotherpy for cncer Renl dilysis As chrged As chrged As chrged As chrged Erythropoietin nd other drugs pproved under MediShield for chronic renl filure Cyclosporin or tcrolimus nd other drugs pproved under MediShield for orgn trnsplnt Specil enefits Limits on specil enefits Congenitl normlities enefit (with 24 months witing period) As chrged As chrged As chrged Pregnncy complictions enefit (with 10 months witing period) Living orgn donor(insured) trnsplnt enefit (ech trnsplnt with 24 months witing period for the person receiving the orgn) to $60,000 to $40,000 to $20,000 Not covered Living orgn donor (non-insured) trnsplnt enefit (ech trnsplnt) to $60,000 Not covered Not covered Inptient psychitric tretment enefit (ech policy yer) to $7,000 to $7,000 to $5,000 to $5,000 Prosthesis enefit (ech policy yer) to $10,000 to $6,000 to $6,000 to
Benefits Preferred Advntge Bsic Enhnced C Emergency overses tretment As chrged ut limited to costs of Singpore privte hospitls As chrged ut limited to costs of wrd clss A in Singpore restructured hospitls As chrged ut limited to costs of wrd clss B1 in Singpore restructured hospitls As chrged ut limited to costs of wrd clss B2 in Singpore restructured hospitls Finl expenses enefit $5,000 $5,000 $1,500 Pro-rtion fctor Privte hospitl or privte medicl institution or emergency overses tretment Does not pply 65% 50% 15% Restructured hospitl wrd clss A Does not pply Does not pply 85% 20% Restructured hospitl wrd clss B1 Does not pply Does not pply Does not pply 40% Deductile for ech policy yer for n insured ged 80 yers or elow next irthdy Inptient - Restructured hospitl wrd clss C - Restructured hospitl wrd clss B2 - Restructured hospitl wrd clss B1 - Restructured hospitl wrd clss A or privte hospitl or privte medicl institution or emergency overses tretment $1,500 $2,500 $3,500 $1,500 $2,500 $3,500 $1,500 $2,500 $2,500 $1,500 Dy surgery or short- sty wrd - Susidised - Non-susidised $3,500 $3,500 $2,500 Deductile for ech policy yer for n insured ged over 80 yers t next irthdy Inptient - Restructured hospitl wrd clss C - Restructured hospitl wrd clss B2 - Restructured hospitl wrd clss B1 - Restructured hospitl wrd clss A or privte hospitl or privte medicl institution or emergency overses tretment $2,250 $3,750 $5,250 $2,250 $3,750 $5,250 $2,250 $3,750 $3,750 $2,250 Dy surgery or short- sty wrd - Susidised - Non-susidised $5,250 $5,250 $3,750 Co-insurnce 10% 10% 10% 10% Limit in ech policy yer $700,000 $500,000 $250,000 $150,000 Limit in ech lifetime Unlimited Unlimited Unlimited Unlimited Lst entry ge (ge next irthdy) 75 75 75 75 Mximum coverge ge Lifetime Lifetime Lifetime Lifetime
Conditions for Enhnced IncomeShield Your policy 1 Wht your policy covers This is your Enhnced IncomeShield policy. It contins: these conditions; the policy certificte; the schedule of enefits; nd the riders nd endorsements (if this pplies). The full greement etween us nd you is mde up of these documents nd: ll sttements to medicl officers; declrtions nd questionnires relting to your nd the insured s lifestyle, occuptionl or medicl condition which you or the insured provided to us for our underwriting purposes; nd ll written correspondence relting to your policy etween you or the insured nd us. We refer to them ll together s Your policy. Plese exmine them to mke sure you hve the protection you need. It is importnt tht you red them together to void misunderstnding. Words defined in the definitions section of these conditions hve the menings given to them in the definitions section nd the sme definitions pply if the defined words re used in ny of the documents in your policy or ny correspondence etween you nd us. Your policy covers the following enefits. The enefits only py for resonle expenses for necessry medicl tretment for the insured. This tretment must e provided y hospitl or licensed medicl centre or clinic, ll of which must e ccredited y MOH to tke prt in the MediShield scheme. All enefits re pid s reimursement for tretment received nd pid y the insured due to illness or injury, nd depend on the terms, conditions nd limits set out in the schedule of enefits nd your policy. 1.1 Inptient hospitl tretment The inptient hospitl tretment enefit pys for the types of costs set out elow, nd depends on the limits in the schedule of enefits under the heding Inptient hospitl tretment. Except for pre-hospitlistion tretment nd posthospitlistion tretment, these costs must e for tretment received y the insured while stying in hospitl. Inptient hospitl tretment enefit is mde up of the following su-enefits. Enhnced IncomeShield is medicl insurnce pln which covers you for costs ssocited with stying in hospitl nd hving surgery. If your policy is integrted with MediShield, it dds to the MediShield tier operted y the CPF Bord nd provides extr enefits to meet the needs of those who would like more cover nd medicl insurnce protection. You will find detils of wht we will cover set out in your policy. Room, ord nd medicl-relted services Wrd chrges the insured hs to py for ech dy in hospitl including: mels; prescriptions; medicl consulttions; miscellneous medicl chrges; specilist consulttions; exmintions; lortory tests; nd eing dmitted to high-dependency wrd. GH/Enhnced IncomeShield/201301 Pge 1 of 17
If the insured is in short-sty wrd, we will py for the wrd chrges. We do not cover pre-hospitlistion tretment which is given efore nd post-hospitlistion tretment which is given fter the sty in short-sty wrd. e Surgicl implnts Chrges the insured hs to py for implnts in their ody during surgery. These implnts must sty in the insured s ody fter the surgery. The chrges for the following pproved medicl items re lso covered. If the insured is in luxury or deluxe suite or ny other specil room of hospitl, we will only py the equivlent of room, ord nd medicl-relted services for stndrd room in the hospitl. We will lso pply the pro-rtion fctor if the insured is dmitted to wrd or hospitl tht is higher thn their wrd entitlement. Intensive cre unit (ICU) nd medicl-relted services Chrges the insured hs to py for ech dy in n ICU including: mels; prescriptions; medicl consulttions; miscellneous medicl chrges; f g Intrvsculr electrodes used for electrophysiologicl procedures Percutneous trnsluminl coronry ngioplsty (PTCA) lloons Intr-ortic lloons (or lloon ctheters) Gmm knife nd novlis rdiosurgery Covers gmm knife nd novlis rdiosurgery crried out on the insured. Accident inptient dentl tretment The enefit for ccident inptient dentl tretment covers the insured s sty in hospitl to remove, restore or replce sound nturl teeth which hve een lost or dmged in n ccident. The tretment must e performed within 14 dys of the ccident. specilist consulttions; exmintions; nd lortory tests. We do not cover pre-hospitlistion tretment which is given efore nd post-hospitlistion tretment which is given fter ccident inptient dentl tretment. c Surgicl enefit Chrges the insured hs to py for surgery (including dy surgery) in hospitl y surgeon including: surgeon s fees; h Pre-hospitlistion tretment The cost of medicl tretment received y the insured in the policy yer for up to 90 dys efore the dte they went into hospitl. fees nd chrges for nesthesi nd oxygen nd for them to e dministered; nd using the hospitl s operting thetre nd fcilities. Pre-hospitlistion tretment includes specilist outptient medicl services nd consulttions, dignostic nd lortory services, exmintions nd investigtions ordered y registered medicl prctitioner. d Any surgery not listed in MOH s surgicl opertion fees tle 1 to 7 s t the dte of the surgery is not covered. Orgn trnsplnt enefit Pre-hospitlistion tretment must led to the insured eing dmitted to hospitl for the sme illness or injury for which they received medicl tretment efore their sty in hospitl. The orgn trnsplnt enefit pys for medicl tretment of the insured who is receiving ny orgn (including stem-cell trnsplnt). We will not py this enefit if the orgn trnsplnt is illegl or rises from ny illegl trnsction or prctice. i We do not cover pre-hospitlistion tretment which is given efore inptient psychitric tretment enefit, ccident inptient dentl tretment, emergency overses tretment or sty in short-sty wrd. Post-hospitlistion tretment Cost of medicl tretment received y the insured in the policy yer for 90 dys fter the dte they leve hospitl. GH/Enhnced IncomeShield/201301 Pge 2 of 17
j Post-hospitlistion tretment includes specilist outptient medicl services nd consulttions, dignostic nd lortory services, exmintions nd investigtions ordered y registered medicl prctitioner. Post-hospitlistion tretment must: hve resulted directly from the condition for which the sty in hospitl ws needed; nd e recommended y the registered medicl prctitioner who treted the insured during the period they were in hospitl. We do not cover post-hospitlistion tretment which is given fter inptient psychitric tretment enefit, ccident inptient dentl tretment, emergency overses tretment or sty in short-sty wrd. Stying in community hospitl Chrges the insured hs to py while stying in community hospitl, ut only up to the mximum numer of dys for ech sty s stted in the schedule of enefits. To clim the inptient hospitl tretment enefit for sty in community hospitl, the following conditions must ll e met. The insured must hve first hd inptient hospitl tretment in restructured hospitl or privte hospitl. After the insured is dischrged from the restructured hospitl or privte hospitl, they must e immeditely dmitted to community hospitl for continuous period of time. The ttending registered medicl prctitioner in the restructured hospitl or privte hospitl must hve recommended in writing tht the insured needs to e dmitted to community hospitl for necessry medicl tretment. The tretment must rise from the sme injury, illness or disese tht resulted in the inptient hospitl tretment. Outptient hospitl tretment covers the following received y the insured from hospitl or licensed medicl centre or clinic. Stereotctic rdiotherpy, rdiotherpy, chemotherpy nd immunotherpy for cncer. c Outptient renl dilysis. Approved immunosuppressnt drugs including erythropoietin for chronic renl filure, cyclosporin nd tcrolimus for orgn trnsplnt nd other drugs pproved under MediShield. d Consulttion fees, medicines, nd exmintions nd tests crried out y the ttending registered medicl prctitioner s prt of, the stereotctic rdiotherpy, rdiotherpy, chemotherpy, immunotherpy or outptient renl dilysis medicl tretment. We will tret these clims s prt of the outptient hospitl tretment, nd it will depend on the sme limits of compenstion. 1.3 Specil enefits We limit enefits we will py in reltion to certin specified medicl conditions or in certin circumstnces (which we cll specil enefits). The limits on specil enefits re set out in the schedule of enefits under the heding Specil enefits. These specil enefits re shown elow. Congenitl normlities enefit This enefit pys for inptient hospitl tretment for irth defects including hereditry conditions nd congenitl sickness or normlities. These irth defects must either: e first dignosed y registered medicl prctitioner; or hve symptoms which first ppered fter 24 months from: - 1 Septemer 2008, which is the dte on which this congenitl normlities enefit first ecme effective; - the strt dte; or - the lst reinsttement dte (if ny); whichever is lter. 1.2 Outptient hospitl tretment The outptient hospitl tretment enefit pys for medicl tretment of the insured set out elow nd depends on the limits in the schedule of enefits under the heding Outptient hospitl tretment. Pregnncy complictions enefit Pregnncy complictions enefit pys for inptient hospitl tretment for the following complictions in pregnncy. Ectopic pregnncy - the condition in which fertilised ovum implnts outside the wom. The ectopic pregnncy must hve een terminted y lprotomy or lproscopic surgery. GH/Enhnced IncomeShield/201301 Pge 3 of 17
c d Pre-eclmpsi or eclmpsi. Disseminted intrvsculr cogultion (DIC). Miscrrige - when the foetus of the insured dies s result of sudden unexpected nd involuntry event which must not e due to voluntry or mlicious ct. Ending pregnncy if n ostetricin considers it necessry to sve the life of the insured. Pregnncy complictions must hve een first dignosed y n ostetricin fter 10 months from: 1 Septemer 2008, which is the dte on which this pregnncy complictions enefit first ecme effective; the strt dte; or the lst reinsttement dte (if ny); whichever is lter. Inptient psychitric tretment enefit Inptient psychitric tretment enefit pys for psychitric tretment provided to the insured while in hospitl y registered medicl prctitioner qulified to provide tht psychitric tretment. We do not cover pre-hospitlistion tretment which is given efore nd post-hospitlistion tretment which is given fter inptient psychitric tretment. Living orgn donor (insured) trnsplnt enefit The living orgn donor trnsplnt enefit pys for inptient hospitl tretment for the insured if they re living orgn donor of ny specified orgn nd the following conditions re met. The trnsplnt is pproved under HOTA nd crried out in hospitl in Singpore. The person receiving the specified orgn must hve een first dignosed y registered medicl prctitioner or the symptoms of their orgn filure must first pper fter 24 months from: - 1 Septemer 2010, which is the dte on which this living orgn donor trnsplnt enefit first ecme effective under your policy; - the strt dte; or - the lst reinsttement dte (if ny); whichever is lter; nd e the resonle expenses re to tret the insured for the trnsplnt nd the tretment is, in the opinion of registered medicl prctitioner or specilist in tht field of medicine, pproprite nd necessry for the trnsplnt. For the purpose of working out the limit of enefit we will py for ech trnsplnt, we dd together ll resonle expenses for the tretment (including pre-hospitlistion tretment, post-hospitlistion tretment nd ny post-surgery complictions). We will not py for this enefit if the trnsplnt is illegl or rises from ny illegl trnsction or prctice. Living orgn donor (non-insured) trnsplnt enefit The living orgn donor (non-insured) trnsplnt enefit pys for inptient hospitl tretment for someone who is not insured if they re living orgn donor providing ny specified orgn for trnsplnt into n insured. This pplies s long s the following conditions re met. The trnsplnt is pproved under HOTA nd crried out in hospitl in Singpore. You nd the living orgn donor gree tht you py for the living orgn donor s inptient hospitl tretment nd clim under your policy. We will py the orgn trnsplnt enefit for the insured to hve trnsplnt from the living orgn donor. The inptient hospitl tretment must e necessry for removing the orgn from the living orgn donor s ody to e trnsplnted into the insured s ody. We will not py more thn the costs of: - the living orgn donor s sty in hospitl tht is needed for them to donte their orgn; - surgicl opertions to remove the orgn from the living orgn donor s ody; nd - storing nd trnsporting the orgn fter it is removed from the living orgn donor s ody. GH/Enhnced IncomeShield/201301 Pge 4 of 17
To void dout, we will not py for the costs of: pre-hospitlistion tretment received y the living orgn donor including specilist outptient medicl services nd consulttions, dignostic nd lortory services, exmintions nd investigtions such s pre-hrvesting lortory services nd investigtions; post-hospitlistion tretment received y the living orgn donor including specilist outptient medicl services nd consulttions, dignostic nd lortory services, exmintions nd investigtions such s post-trnsplnt tretment rising from complictions from the surgery; nd counselling provided to the living orgn donor s fmily efore or fter n orgn hs een donted. g Emergency overses tretment If the insured needs inptient hospitl tretment resulting from n emergency while overses, the emergency overses tretment enefit pys either the ctul hospitl expenses involved or resonle expenses tht would hve een pid for equivlent medicl tretment in Singpore hospitl (ccording to your pln), whichever is lower. We do not cover emergency overses tretment if the insured is foreigner who does not hve n eligile vlid pss t the time of the tretment. We do not cover pre-hospitlistion tretment which is given efore nd post-hospitlistion tretment which is given fter emergency overses tretment. We will not py for this enefit if the trnsplnt is illegl or rises from ny illegl trnsction or prctice. We will convert ills for this tretment which re shown in foreign currency to Singpore currency t the exchnge rte we decide to use on the dte the insured leves hospitl. f Prosthesis enefit The prosthesis enefit pys for uying ny prosthesis for the insured to use. This pplies if the following conditions re met. The insured needs the prosthesis ecuse they hve lost lim or eye resulting from n injury or illness tht the insured hs to sty in hospitl for. The prosthesis is ordered y registered medicl prctitioner. The prosthesis must e ought within 180 dys fter the dte the insured leves hospitl. When we work out if the limit for this enefit (set out in the schedule of enefits) hs een used up for the policy yer tht the insured is dmitted to hospitl for the injury or illness tht results in them losing lim or eye, we will tke ccount of ny mount lredy pid under this enefit. We will only py for one prosthesis for ech lim or eye. However, if the insured hs to uy prosthesis gin for the sme lim or eye resulting from nother injury or illness tht the insured hs to sty in hospitl for gin, we will py for the prosthesis. To void dout, we will not py for replcing, repiring or mintining the prosthesis. h Finl expenses enefit We will wive (not enforce) the co-insurnce nd deductile due for clim for the inptient hospitl tretment, prehospitlistion tretment nd posthospitlistion tretment if the insured dies: while in hospitl; or within 30 dys of leving hospitl. However, if the insured dies within 30 dys of leving the hospitl, we will lso wive the co-insurnce due for clim of outptient hospitl tretment if the tretment ws received y the insured within 30 dys of leving hospitl. Both the deth nd the clim for inptient hospitl tretment, pre-hospitlistion tretment, post-hospitlistion tretment, or outptient hospitl tretment must e relted to the injury or illness for which the sty in the hospitl ws necessry. The wiver of co-insurnce nd deductile will e up to the limit of compenstion set out in the schedule of enefits. GH/Enhnced IncomeShield/201301 Pge 5 of 17
2 Our responsiilities to you We re only responsile to you for the cover nd period shown in your policy certificte or renewl certificte (s the cse my e). The policy is governed y the terms, conditions nd limits of the schedule of enefits nd your policy. 2.1 Clims Depending on the terms, conditions nd limits in the schedule of enefits nd your policy, we use the following limits in the following order on the enefits covered (if it pplies). c d e f g Citizenship fctor Pro-rtion fctor The limits of compenstion The deductile Co-insurnce The limits on specil enefits The limit in ech policy yer. As long s you hve pid the premium or ny mount you owe us under your policy, we will py you the enefits. All clims (except pre-hospitlistion tretment nd post-hospitlistion tretment) must e mde nd sent to us through the system set up y MOH (electronic filing) nd ccording to the ct nd regultions within 90 dys from the dte of illing or the dte the insured leves hospitl, whichever is lter. Clims for pre-hospitlistion tretment nd post-hospitlistion tretment must e sent to us within 120 dys from the dte the insured leves hospitl. You must give us ny other documents, uthoristions or informtion we need for ssessing the clim. You must lso py ny costs involved. For clims which re not eligile for electronic filing (for exmple, clims under plns which re not integrted with MediShield or clims for pre-hospitlistion tretment, post-hospitlistion tretment or emergency overses tretment), you must send the clim to us y post or y hnd. For clims which re electroniclly filed to us, we will py the hospitl direct. Otherwise, we will py you. You, or if you die your legl representtive, must give us ll documents, uthoristions or informtion we need to ssess the clim. You must lso py ny costs involved in doing so. If you, your legl representtive or the insured fils to co-operte with us in deling with the clim, the ssessment of the clim my e delyed or we cn reject the clim. We will py clims ccording to your policy or MediShield, whichever is higher. If your pln is not integrted with MediShield, your pln does not cover the MediShield tier operted y the CPF Bord. We will py clims ccording to your policy. If your clim includes expenses tht re not resonle, we will py only the mount of your clim tht we elieve is resonle expenses. We cn reduce your clim to reflect wht would hve een resonle, sed on the professionl opinion of our registered medicl prctitioner or the insured s entitlement to enefits under your policy. If there is difference in opinion etween our registered medicl prctitioner nd your registered medicl prctitioner, the mtter will e referred to n independent person for djudiction under cluse 4.14 of these conditions. 2.2 Deductile nd co-insurnce You must py the deductile nd co-insurnce efore we py ny enefit. We will pply the deductile followed y the co-insurnce. For ech period of 12 months or less tht the insured stys in hospitl, you must py the deductile for one policy yer (even if the sty in hospitl runs into the next policy yer). If the sty is for continuous period of more thn 12 months ut less thn 24 months, you must lso py the deductile for the next policy yer. And, for ech further period of 12 months or less tht the sty in hospitl extends, you must py further deductile for one extr policy yer. 2.3 Limits of compenstion, limits on specil enefits nd limit in ech policy yer If it pplies, you must py ny mount over the limits of compenstion, limits on specil enefits or the limit in ech policy yer. GH/Enhnced IncomeShield/201301 Pge 6 of 17
For ech sty in hospitl of 12 months or less, we will pply the limits on specil enefits nd limit in ech policy yer for one policy yer (even if the sty in hospitl runs into the next policy yer). If the sty in hospitl is for continuous period of more thn 12 months ut less thn 24 months, the limits on specil enefits nd limit in ech policy yer for two policy yers will pply. And, for ech further period of 12 months or less tht the sty in hospitl extends for, the limits on specil enefits nd limit in ech policy yer for one extr policy yer will pply. GH/Enhnced IncomeShield/201301 Pge 7 of 17
How we pply the deductile, limits on specil enefits nd limit in ech policy yer (Figures re for illustrtion purposes only.) Exmple 1 If your policy egn on 1 Jnury in yer X, the policy yer will run from 1 Jnury to 31 Decemer in yer X nd will renew from 1 Jnury to 31 Decemer in yer X+1. If the insured s sty in hospitl is from 28 Decemer in yer X to 1 Jnury in yer X+1 (runs into the next policy yer ut for continuous period of less thn 12 months), we will work out the clim s follows for n insured covered under Enhnced IncomeShield Preferred pln stying in privte hospitl: Expenses Limits of compenstion Bill Amount you cn clim Room, ord nd medicl-relted services (5 dys) As chrged $ 3,000 $ 3,000 Surgicl enefit (tle 7) As chrged $10,000 $10,000 Totl $13,000 $13,000 Less deductile $ 3,500 Less co-insurnce: 10% x ($13,000 - $3,500) $ 950 Enhnced IncomeShield pys (this depends on the limits on specil enefits nd the limit in ech policy yer) $ 8,550 Insured pys $ 4,450 Exmple 2: If your policy egn on 1 Jnury in yer X, the policy yer will run from 1 Jnury to 31 Decemer in yer X nd will renew from 1 Jnury to 31 Decemer in yer X+1. If the insured s sty in hospitl is from 28 Decemer in yer X to 29 Decemer in yer X+1 (runs into the next policy yer nd for continuous period of more thn 12 months ut less thn 24 months), we will work out the clim s follows for n insured covered under Enhnced IncomeShield Preferred pln stying in privte hospitl: Expenses Limits of compenstion Bill Amount you cn clim Room, ord nd medicl-relted services (367 dys) As chrged $220,200 $220,200 Surgicl enefit (tle 7) As chrged $ 10,000 $ 10,000 Totl $230,200 $230,200 Less deductile ($3,500 x 2 yers) $ 7,000 Less co-insurnce: 10% x ($230,200 - $7,000) $ 22,320 Enhnced IncomeShield pys (depending on two times the limits on specil enefits nd two times the limit in ech policy yer) $200,880 Insured pys $ 29,320 GH/Enhnced IncomeShield/201301 Pge 8 of 17
2.4 Citizenship fctor If the insured is not Singpore citizen (in other words, the person is either Singpore permnent resident or foreigner), we will reduce the mount of ech enefit we will py to the percentges in the following tle. Pln type Percentge of enefit we will py Permnent resident Enhnced Bsic Enhnced C Enhnced Bsic Foreigner Enhnced C 89% 57% 80% 28% The citizenship fctor pplies to ny clim under your policy unless you hve chosen the Singpore permnent resident or foreigner pln nd hve pid the extr premium for the pln. You must tell us out the citizenship sttus or ny chnge to the citizenship sttus of the insured. If you do not wnt us to pply ny citizenship fctor to your clim, you must pply to chnge your pln to the corresponding permnent resident or foreigner pln (if this pplies). We will not pply citizenship fctor for n insured who is covered under Enhnced IncomeShield Preferred pln or Advntge pln. 2.5 Pro-rtion fctor Wrd entitlement nd pro-rtion fctor for inptient hospitl tretment The wrd entitlement mens the clss of wrd nd medicl institution covered y your policy nd depends on the pln. The wrd entitlement is shown in the schedule of enefits. The clss of wrd covered refers to stndrd room, nd does not include luxury suites, luxury rooms or ny other specil room in the hospitl. If the insured is dmitted into wrd nd medicl institution tht is the sme s or lower thn their wrd entitlement, we py resonle expenses for the necessry medicl tretment ccording to the pln. We will py up to the limits of compenstion. If the insured is dmitted into wrd nd medicl institution tht is higher thn wht they re entitled to, we will only py the percentge of the resonle expenses for necessry medicl tretment of the insured s shown using the pro-rtion fctor which pplies to the pln. This is set out in the schedule of enefits. We will work out the enefits we will py y multiplying the relevnt pro-rtion fctor y the insured s medicl expenses which you cn clim under your policy. If the insured s sty in hospitl is in wrd tht is the sme s or lower thn their wrd entitlement ut their pre-hospitlistion tretment or post-hospitlistion tretment is in hospitl or clinic higher thn they re entitled to, we will use the pro-rtion fctor on the resonle expenses relting to the pre-hospitlistion tretment or posthospitlistion tretment, s the cse my e. We will not use pro-rtion fctor for: n insured who is covered under the Enhnced IncomeShield Preferred pln; or pre-hospitlistion or post-hospitlistion tretment in generl prctitioner (GP) clinics nd specilist outptient clinics (SOC) in restructured hospitls. Pro-rtion fctor for outptient hospitl tretment If the insured receives outptient hospitl tretment from restructured hospitl, we py resonle expenses for their necessry medicl tretment ccording to the pln. We will py up to the limit of compenstion. If the insured receives outptient hospitl tretment from privte hospitl or privte medicl institution, we will only py the percentge of the resonle expenses for the necessry medicl tretment of the insured, depending on the pro-rtion fctor which pplies to the pln, s set out in the schedule of enefits. We will work out the enefits we will py y multiplying the pro-rtion fctor y the insured s medicl expenses which they cn clim under your policy. We will not use pro-rtion fctor for: n insured who is covered under the Enhnced IncomeShield Preferred pln; or outptient hospitl tretment received y the insured from restructured hospitl. GH/Enhnced IncomeShield/201301 Pge 9 of 17
3 Your responsiilities 3.1 Premium Your policy certificte or the renewl certificte (s the cse my e) shows the premium which you hve to py to us to receive the enefits. You must py the premium every yer. We give you 60 dys grce, from the strt dte or the renewl dte (s the cse my e), to py the premium for your policy. During this period of grce, your policy will sty in force. You must first py ny premium or other mounts you owe us efore we py ny clim under your policy. If you still hve not pid the premium fter the period of grce, your policy will e cncelled. This cncelltion will pply from the strt dte or the renewl dte (s the cse my e). You re responsile for mking sure tht your premium is pid up to dte. We my tke your premium from your Medisve ccount ccording to the ct nd regultions. You will need to py the premium, or ny prt of it, y csh if: the premium you owe is more thn the mximum withdrwl limit set y the CPF Bord; c there re not enough funds in your Medisve ccount to py the premium due; or the premium, or prt of it, is not tken from your Medisve ccount for ny reson. 3.2 Refunding your premium when the policy ends When your policy ends, we will refund the unused prt of the premium (sed on our scle of refund s shown elow): to your Medisve ccount (if your premium ws pid using deductions from your Medisve ccount); or in csh (if your premium ws pid in csh). How we use our scle of refund (Figures re for illustrtion purposes only.) Exmple Policy yer : 1 Jnury to 31 Decemer in yer X Enhnced IncomeShield yerly premium MediShield yerly premium (for the relevnt ge next irthdy) : $100 : $50 If the policy ends on 30 Novemer in yer X, the numer of dys unused left for the policy yer will e 31 dys. If the policy is integrted with MediShield, the refund mount will e: 31 dys ------------------------ 365 dys x ($100-$50) = $4.25 If the policy is not integrted with MediShield, or if the policy ends ecuse you hve switched insurer or died, the refund mount will e: 31 dys ------------------------ 365 dys x $100 = $8.49 If you hd pid the premium prtly y CPF nd prtly y csh, we will refund the premium s percentge to the mount of the premium pid y CPF or csh. Exmple If you py 70% of your premium from your Medisve ccount nd the other 30% in csh, the refund of unused premium will e in the sme percentge mening 70% returned to your Medisve ccount nd 30% pid in csh to you. 3.3 Chnge in premium The premium tht you py for this policy cn chnge from time to time. If we chnge the premium for your policy, we will write to you t your lst known ddress, t lest 30 dys efore the chnge is to tke plce, to tell you wht your new premium is. We will chnge the premium for your policy only if the chnge pplies to ll policies within the sme clss. GH/Enhnced IncomeShield/201301 Pge 10 of 17
4 Wht you need to e wre of 4.1 Other insurnce We do not py for clims if the medicl expenses hve een pid y other medicl insurnce or you or the insured hve received reimursement from ny other source. If you or the insured hve other medicl insurnce, including medicl enefits under ny employment contrct, which llows you or them to clim refund for medicl expenses, you or the insured must first clim from these policies efore mking ny clim under your policy. Our oligtions to py under your policy will only rise fter you hve fully climed under these policies. If we hve pid ny enefit to you first efore clim is mde under the other medicl insurnce policies or employee enefits, the other medicl insurers or employer will hve to refund us their shre. You must give us ll informtion nd evidence we need to help us get ck ny other medicl insurer s shre of the clim we hve pid. For every clim, the totl reimursement we will mke will not e more thn the ctul expenses pid. 4.2 Declring the insured s ge The premium is sed on the ge of the insured on his or her next irthdy. If the ge or dte of irth of the insured is shown wrongly in the ppliction form, we will djust the premium you must py. We will refund ny extr premium pid or sk for ny shortfll in premium you need to py. 4.3 Gurnteed renewl We will renew your policy utomticlly every yer. We gurntee to do this for life s long s: the premium is pid t the current rte which pplies; nd the cover for the insured under your policy hs not een ended. 4.4 Cncelling the policy You my cncel your policy y giving us t lest 30 dys notice in writing. We will tell you the dte it will end. 4.5 Not enforcing condition If we do not enforce ny of the conditions of your policy t ny time, it does not men we cnnot enforce it in the future. 4.6 Ending the policy All enefits will end when one of the following events hppens, nd we will not e leglly responsile for ny further pyment under your policy. You cncel your policy under cluse 4.4. c d We do not receive your premium fter the period of grce. The insured dies. You fil or refuse to py or refund ny mount you owe us. e Frud s shown in cluse 4.12. f Not reveling relevnt informtion or misrepresenttion s shown in cluse 4.11. g h If you tke out nother Medisve-pproved Integrted Shield Pln covering the insured. Your policy ends under cluse 4.16(c). We or the CPF Bord (s the cse my e) will decide on wht dte your policy will end. When the policy ends, you hve no further clims or rights ginst us under your policy. Ending your policy will not ffect your insurnce cover under MediShield. You will continue to e insured under MediShield s long s you re eligile under the ct nd regultions. If you re not the insured, s long s you hve pid ll the premiums nd your policy is not cncelled or ended, if you die, it will not ffect the cover of the insured under your policy. 4.7 Reinstting the policy If your policy is cncelled ecuse you hve not pid the premiums, you my pply to reinstte your policy. You cn do this if we gree nd you meet ll of the following conditions. You must py ll premiums you owe efore we will reinstte your policy. We will not py for ny expenses which hppen etween the dte the policy ends nd the dte immeditely efore the reinsttement dte of your policy. GH/Enhnced IncomeShield/201301 Pge 11 of 17
c If there is ny chnge in the insured s medicl or physicl condition, we my dd exclusions or chrge n extr premium from the reinsttement dte. declre your policy s void from the strt dte or end the cover for the insured nd we will not py ny enefits; or dd extr terms nd conditions to your policy. To void dout, if we ccept ny premium fter your policy hs ended, it does not men we will not enforce our rights under your policy or crete ny liility for us in terms of ny clim. Our responsiility to py will only rise fter we hve reinstted your policy. 4.8 Chnge of citizenship nd residency sttus You must tell us, s soon s possile, when the insured s citizenship or residency sttus chnges in ny wy. If the insured is, or ecomes, Singpore permnent resident or foreigner, you should switch to the corresponding pln for Singpore permnent resident or foreigner (whichever pplies). This will help void the reduction in the clims pid to you s result of the citizenship fctor (under cluse 2.4). 4.9 Chnging policy terms or conditions We my chnge the premiums, enefits or cover or these conditions t ny time. However, we will write to you t your lst-known ddress t lest 30 dys efore doing so. We will pply the chnges only if the chnges pply to ll policies within the sme clss. 4.10Chnging the pln You my write nd sk to chnge the pln if we pprove. If we do pprove your request, we will tell you when the chnge in pln will tke plce. 4.11Giving us ll informtion You nd the insured must give us ll significnt informtion out the insured, up to the strt dte of your policy, tht my influence our decision whether to provide cover or to impose ny terms under your policy. If you fil to give us this informtion or misrepresent ny informtion, we my: 4.12 Frud If clim or ny prt of clim is flse or frudulent, or if you use frudulent methods or devices to gin ny enefit, we cn do ny or ll of the following. We my declre your policy invlid nd you will lose ll enefits under this policy. You will hve to repy to us ll mounts we hve pid out under the policy nd we will refund ll premiums to you. We my end your policy. We my refuse to renew your policy. We my dd extr terms nd conditions. If you disgree with the ddition of extr terms nd conditions, you cn write to us to cncel this policy. You will hve to repy to us ll mounts we hve pid out under the policy nd we will refund ll premiums to you. 4.13 Currency All premium nd enefits will e pid in Singpore dollrs. 4.14Deling with disputes Any dispute or mtter rising under, out of or in connection with your policy must e referred to the Finncil Industry Disputes Resolution Centre Ltd (FIDREC) to e delt with. (This pplies if it is dispute tht cn e rought efore FIDREC.) If the dispute cnnot e referred to or delt with y FIDREC, the dispute must e referred to nd decided using ritrtion in Singpore in line with the Aritrtion Rules of the Singpore Interntionl Aritrtion Centre which pply t tht point of time. We will not e leglly responsile under your policy unless you hve first received n wrd under ritrtion. 4.15Excluding the rights of others A person who is not directly involved in your policy will hve no right, under the Contrcts (Rights of Third Prties) Act (Cp 53B), to enforce ny of its terms. GH/Enhnced IncomeShield/201301 Pge 12 of 17
4.16Integrtion with MediShield The MediShield pln is run y the CPF Bord under the ct nd regultions. Your policy is integrted with MediShield if you choose Medisve or the Full csh integrted pyment mode nd the insured meets the eligiility conditions shown in the ct nd regultions. We will tell you in writing if the CPF Bord tells us tht your policy is not eligile for integrtion. If your policy is integrted with MediShield to form Medisve-pproved Integrted Shield Pln, the following will pply. The insured will enjoy ll enefits under MediShield provided in the ct nd regultions. c If the cover for the insured under this policy ends, the cover for the insured under MediShield will continue s long s the insured meets the eligiility conditions shown in the ct nd regultions. However if this policy ends or is declred void under cluse 4.11() ove due to your filure to give us informtion or your misrepresenting ny informtion, this cluse will not pply. The cover for the insured under MediShield will lso then end, unless t the time this policy ws issued, the insured ws lredy covered under MediShield or ny other Integrted Shield Pln. And, if the MediShield cover for the insured ends or is not renewed, the cover for the insured under this policy will end together with the MediShield cover. However, if the MediShield cover ends or is not renewed for the following resons, the cover for the insured will continue without ny integrtion with MediShield. The insured hs reched the mximum ge for cover. The lifetime clim limit hs een reched. 4.17Notice of communiction We will ssume ny notice or communiction under this policy hs een given nd received if sent: personlly on the dy it is delivered; y prepid mil within seven dys fter the mil is sent; c d 4.18 Exclusions y fx immeditely, s long s trnsmission report is produced y the mchine from which the fx ws sent which shows tht the fx ws sent to the fx numer of the recipient; or y emil, SMS or other electronic mens s soon s it is sent. The following tretment items, procedures, conditions, ctivities nd their relted complictions re not covered under your policy. c d A sty in hospitl if the insured ws dmitted to the hospitl efore the strt dte. Any pre-existing illness, disese or condition from which the insured ws suffering, unless declred in the ppliction form nd we ccepted the ppliction without ny exclusions. However, we will exclude ny pre-existing illness, disese or condition which is specificlly excluded in your policy, whether declrtion ws mde in the ppliction form or not. To void dout, ny pre-existing illness, disese or condition tht ws covered under MediShield efore the strt dte of your policy will continue to e covered under MediShield s long s the insured stisfies the eligiility criteri for MediShield under the ct nd regultions t the time the clim is mde under your policy. Cosmetic surgery or ny medicl tretment climed to generlly prevent illness, promote helth or improve odily function or ppernce. Generl outptient medicl expenses (unless this is covered under outptient hospitl tretment, pre-hospitlistion tretment or post-hospitlistion tretment). e Tretment for irth defects, including hereditry conditions nd disorders nd congenitl sickness or normlities (unless we do cover it under congenitl normlities enefit). f g h Overses medicl tretment (unless we cover it under emergency overses tretment). Psychologicl disorders, personlity disorders, mentl conditions or ehviourl disorders, including ny ddiction or dependence rising from these disorders such s gmling or gming ddiction (unless we cover it under inptient psychitric tretment enefit). Pregnncy, childirth, miscrrige, ortion or termintion of pregnncy, or ny form of relted sty in hospitl or tretment (unless we cover this under pregnncy complictions enefit). GH/Enhnced IncomeShield/201301 Pge 13 of 17
i Infertility, su-fertility, ssisted conception, erectile dysfunction, impotence or ny contrceptive tretment. j k l m n o p q r s t u v Tretment of sexully-trnsmitted diseses. Acquired immunodeficiency syndrome (AIDS), AIDS-relted complex or infection y humn immunodeficiency virus (HIV) (except HIV due to lood trnsfusion nd occuptionlly cquired HIV). Tretment for self-inflicted injuries or injuries or illnesses resulting from ttempted suicide, whether the insured is sne or insne. Drug or lcohol misuse. Expenses of getting n orgn or ody prt for trnsplnt from living orgn donor for the insured nd ll expenses the living orgn donor hs to py (unless this is covered under living orgn donor (insured) trnsplnt enefit or living orgn donor (non-insured) trnsplnt enefit). Dentl tretment (unless this is covered under ccident inptient dentl tretment ). Trnsport-relted services including mulnce fees, emergency evcution, sending home ody or shes. Sex-chnge opertions. Buying or renting specil rces, pplinces, equipment, mchines nd other devices, such s wheelchirs, wlking or home ids, dilysis mchines, iron lungs, oxygen mchines nd ny other hospitl-type equipment to use t home or s n outptient. Optionl items which re outside the scope of tretment, prosthesis nd corrective devices, nd medicl pplinces which re not needed surgiclly (unless this is covered under prosthesis enefit). Experimentl or pioneering medicl or surgicl techniques nd medicl devices not pproved y the Institutionl Review Bord nd the Centre of Medicl Device Regultion nd medicl trils for medicinl products whether or not these trils hve clinicl tril certificte issued y the Helth Sciences Authority of Singpore. Privte nursing chrges nd nursing home services. Vccintions. w Tretment of injuries rising from eing directly involved in civil commotion, riot or strike. x The consequences rising, whether directly or indirectly, from nucler fllout, rdioctivity, ny nucler fuel, mteril or wste, wr nd relted risks. y Rest cures, hospice cre, home or outptient nursing or pllitive cre, convlescent cre in convlescent or nursing homes, sntoriums or similr estlishments, outptient rehilittion services such s counselling nd physicl rehilittion. z Alterntive or complementry tretments, including trditionl Chinese medicine (TCM) or sty in ny helth-cre estlishment for socil or non-medicl resons. 5 Definitions Accident mens n unexpected incident tht results in n injury. The injury must e cused entirely y eing hit y n externl oject tht produces ruise or wound; except for injury cused specificlly y drowning, food poisoning, choking on food, or suffoction y smoke, fumes, or gs. Act mens the Centrl Provident Fund Act (Cp. 36), s mended, extended or re-encted from time to time. Appliction form mens the ppliction to cover the insured under this policy you mke to us. Benefits mens the enefits set out in the schedule of enefits nd your policy. Citizenship fctor mens the percentge given in cluse 2.4 of these conditions. The citizenship fctor does not pply to the prosthesis enefit. Co-insurnce mens the mount tht you need to py fter the deductile. The co-insurnce percentges for the enefits re shown in the schedule of enefits. Co-insurnce pplies to ll clims mde under your policy except for finl expenses enefit. Community hospitl mens ny pproved community hospitl under the ct nd regultions tht provides n intermedite level of cre for individuls who hve simple illnesses which do not need specilist medicl tretment nd nursing cre. CPF Bord mens the Centrl Provident Fund Bord of Singpore. Deductile mens the prt of the enefit you re climing tht the insured must py efore we will py ny enefit. The deductile is shown in the schedule of enefits. The deductile does not pply to clims for outptient hospitl tretment nd prosthesis enefit covered y your policy. GH/Enhnced IncomeShield/201301 Pge 14 of 17
Eligile vlid pss mens vlid pss with foreign identifiction numer (FIN) recognised y the Immigrtion nd Checkpoints Authority of Singpore (ICA). Emergency mens serious injury or the strt of serious condition which needs immedite surgery or medicl tretment in hospitl to prevent deth or serious dmge to the insured s helth. Expiry dte mens the dte the insurnce cover under your policy ends nd is shown in the policy certificte or renewl certificte (s the cse my e). HIV due to lood trnsfusion mens infection with the humn immunodeficiency virus (HIV) s result of lood trnsfusion s long s ll of the following conditions re met. The lood trnsfusion is necessry medicl tretment. The lood trnsfusion ws received in Singpore on or fter the strt dte or lst reinsttement dte (if ny), whichever is lter. The source of infection is from the hospitl tht gve the lood trnsfusion. The cuse of HIV is the lood provided y the hospitl tht gve the lood trnsfusion. The insured does not suffer from thlssemi mjor or hemophili. We do not cover HIV infection resulting from ny other mens, including sexul ctivity nd using intrvenous drugs. Hospitl mens: restructured hospitl; privte hospitl; community hospitl; or ny other hospitl we ccept. HOTA mens the Humn Orgn Trnsplnt Act (Cp. 131A), s mended, extended or re-encted from time to time. Insured mens the person nmed s the insured in the policy certificte or renewl certificte (s the cse my e). Intensive cre unit (ICU) mens the intensive cre unit of hospitl. Limit in ech lifetime mens the mximum mount (if ny) shown in the schedule of enefits which we will py under your policy during the lifetime of the insured. Limit in ech policy yer mens the mximum mount set out in the schedule of enefits which we will py under your policy for the relevnt policy yer. Limits of compenstion mens the limits of compenstion set out in the schedule of enefits nd is the most we will py in enefits. Limits on specil enefits mens the limits on enefits we will py s set out in the schedule of enefits nd is the most we will py in enefits. Living orgn donor mens living person, insured or non-insured, from whom specified orgn is removed nd trnsplnted into nother living person. MOH mens the Ministry of Helth, Singpore. MediShield mens the sic tier of insurnce protection scheme run y the CPF Bord nd governed y the ct nd regultions. Necessry medicl tretment mens tretment which, in the professionl opinion of registered medicl prctitioner or specilist in the relevnt field of medicine, is pproprite nd consistent with the symptoms, findings, dignosis nd other relevnt clinicl circumstnces of the illness or injury nd reduces the negtive effect of the illness or injury on the insured s helth. The tretment must e provided in line with generlly ccepted medicl prctice in Singpore. Occuptionlly cquired HIV mens infection with the humn immunodeficiency virus (HIV) which resulted from n incident which hppened on or fter the strt dte or the lst reinsttement dte (if ny), whichever is lter, while the insured ws crrying out their jo. However, you must give us stisfctory proof of ll of the following. You must report the incident giving rise to the HIV infection to us within 30 dys of the incident. We need proof tht the incident ws the cuse of the HIV infection. We lso need proof tht the insured hs chnged from HIV negtive to HIV positive during the 180 dys fter the reported incident. This proof must include negtive HIV ntiody test crried out within five dys of the incident. The incident hppened while the insured ws crrying out their norml professionl duties in Singpore s medicl prctitioner, housemn, medicl student, stte registered nurse, medicl lortory technicin, dentist, dentl surgeon, dentl nurse or prmedicl worker working in hospitl or in licensed medicl centre or clinic in Singpore. We will not cover HIV infection resulting from ny other mens, including sexul ctivity nd using intrvenous drugs. Period of grce mens the period shown in cluse 3.1. GH/Enhnced IncomeShield/201301 Pge 15 of 17
Pln mens the type of pln tht you hve chosen under your policy nd which is shown in the policy certificte or the renewl certificte (s the cse my e). Policy certificte mens the policy certificte which we issue to you. Policy yer mens one yer strting from: the strt dte; or if your policy is renewed, the renewl dte. Pre-existing illness, disese or condition mens ny illness, disese or condition: for which the insured sked for or received tretment, mediction, dvice or dignosis (or which they ought to hve sked for or received) efore the strt dte or the lst reinsttement dte (if ny), whichever is lter; which ws known to exist efore the strt dte or the lst reinsttement dte (if ny), whichever is lter, whether or not the insured sked for tretment, mediction, dvice or dignosis; or the conditions or symptoms of which existed efore the strt dte or the lst reinsttement dte (if ny), whichever is lter, nd would hve led resonle nd sensile person to get medicl dvice or tretment. Premium mens the premium s shown in cluse 3.1. Privte hospitl mens ny licensed privte hospitl in Singpore tht is not restructured hospitl. Privte medicl institution mens ny licensed privte clinic or medicl centre in Singpore. Pro-rtion fctor mens the pro-rtion fctor s shown in cluse 2.5. The pro-rtion fctor does not pply to the prosthesis enefit. Prosthesis mens n rtificil device extension tht replces ny lim or eye of the insured. Resonle expenses mens expenses pid for medicl services or tretment which re pproprite nd consistent with the dignosis nd ccording to ccepted medicl stndrds, nd which could not hve resonly een voided without negtively ffecting the insured s medicl condition. These expenses must not e more thn the generl level of chrges mde y other medicl service suppliers of similr stnding in Singpore for the services nd supplies. Registered medicl prctitioner mens doctor qulified in western medicine who is licensed nd uthorised in the geogrphicl re they re prctising in to provide medicl or surgicl services. This cnnot e you, the insured or your or the insured s prent, rother or sister, husnd or wife, child or reltive. Regultions men the Centrl Provident Fund (MediShield Scheme) Regultions, s mended, extended or re-encted from time to time. Reinsttement dte mens the dte when we pprove your ppliction for reinsttement or when we receive the reinsttement premium, whichever is lter. Renewl certificte mens (in cses where your policy is renewed) the renewl certificte issued for your policy. Renewl dte mens the strt dte of the relevnt renewed policy yer covered y your policy nd shown in the renewl certificte. Restructured hospitl mens hospitl in Singpore tht: is run s privte compny owned y the Singpore Government; is governed y rod policy guidnce from the Singpore Government through MOH; nd receives yerly government susidy to provide susidised medicl services to its ptients. Schedule of enefits mens the schedule of enefits ttched to these conditions (or ny revised schedule of enefits which we my issue in n endorsement to your policy, or when renewing your policy). Short-sty wrd mens wrd in the emergency deprtment of hospitl for ptients who need short period of inptient monitoring nd tretment. Specilist mens registered medicl prctitioner who hs the extr qulifictions nd expertise needed to prctise s recognised specilist of dignostic techniques, tretment nd prevention, in prticulr field of medicine, like psychitry, neurology, peditrics, endocrinology, ostetrics, gynecology, dermtology nd physiotherpy. Specified orgn mens specified orgn s defined in HOTA. Strt dte mens the dte your policy strts nd is shown in the policy certificte. Stying in community hospitl is defined in line with the conditions in cluse 1.1(j). Stying in hospitl mens continuous period of time, during which the insured is dmitted to nd stys in hospitl for necessry medicl tretment, in line with the terms of your policy nd where room nd ord chrges re mde. This includes dy surgery for which no overnight sty is needed (s long s the surgery is listed in the surgicl limits tle). GH/Enhnced IncomeShield/201301 Pge 16 of 17
Stem-cell trnsplnt mens the infusion of helthy stem cells into the ody of the insured. Surgicl limits tle mens the ltest surgicl opertion fee tles 1 to 7 set y MOH from time to time. We, us or our mens NTUC Income Insurnce Co-opertive Limited. You or your mens the person nmed in the policy certificte s the policyholder. Wrd entitlement mens the wrd entitlement shown in cluse 2.5(). Policy Owners Protection Scheme This policy is protected under the Policy Owners Protection Scheme which is dministered y the Singpore Deposit Insurnce Corportion (SDIC). Coverge for your policy is utomtic nd no further ction is required from you. For more informtion on the types of enefits tht re covered under the scheme s well s the limits of coverge, where pplicle, plese contct NTUC Income or visit the GIA/LIA or SDIC wesites (www.gi.org.sg or www.li.org.sg or www.sdic.org.sg). GH/Enhnced IncomeShield/201301 Pge 17 of 17