Integrated Shield Plans for Ward Class B1 in Public Hospitals

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Integrated Shield Plans: Integrated Shield Plans (IPs) comprise two components: (i) A MediShield Life component run by the Central Provident Fund Board (CPFB) and (ii) additional private insurance coverage run by the private insurer. The MediShield Life component provides coverage targeted at B2/C-wards in public hospitals,
while the additional private insurance coverage provides additional coverage beyond MediShield Life coverage. IPs therefore do not provide duplicate coverage with MediShield Life. This table provides a comparison between IPs for Class B1 wards in public hospitals.

Table: Comparison of Private Integrated Shield Plans for Class B1 in Public Hospitals
Income IncomeShield Plan Income Enhanced AIA HealthShield Gold Max B Great Eastern Great Eastern Prudential Raffles Health Insurance
Benefits AIA HealthShield Gold Max C* Aviva MyShield Plan 3
B* IncomeShield Basic Lite GREAT SupremeHealth B* GREAT SupremeHealth B PLUS PruShield B* Raffles Shield B
Inpatient and Day Surgery:
Daily Ward and Treatment Charges
- Normal Ward 1,000/day 700/day 1,750/day 750/day
As Charged As Charged As Charged As Charged
- Intensive Care Unit Ward 1,400/day 1,200/day 2,950/day 1,250/day
As Charged
1,000/day
As Charged (up to 90 days for Sub-acute Care: 1,000/day
- Community Hospital (up to 45 days for each 450/day - 550/day As Charged As Charged (up to 45 days)
each admission) Rehabilitation Care: 750/day
admission)
3,500/yr 3,500/yr
5,000/yr
(Additional post-hospitalisation (Additional post-hospitalisation 20,000/yr
500/day (Includes post hospitalisation
- Psychiatric 5,000/yr 5,000/yr psychiatric treatment of 500/yr psychiatric treatment of 1,000/yr - (Including pre & post hospitalisation -
(up to 35 days/yr) psychiatric treatment up to 90
within 200 days after within 200 days after benefits)
days)
Confinement) Confinement)
- Inpatient Palliative Care - As Charged - As Charged - 750/day - - -
As Charged in
Governmen/Restructured
Surgery 500 - 8,200 600 - 16,800 600 - 8,500
Hospitals, else subject to pro-
As Charged ration factor As Charged As Charged As Charged As Charged
Surgical Implants and Approved Medical Consumables 9,000/admission 7,000/treatment 10,000/treatment 8,000/treatment
Gamma Knife 9,600/procedure 9,600/procedure 10,000/procedure 10,000/treatment

Outpatient Treatment:
As Charged
(Pro-ration factor waived for
Kidney Dialysis 2,500/mth applicable treatment by 24,000/yr As Charged 36,000/yr As Charged 24,000/yr As Charged As Charged
preferred partners)
(Note (11))
Cancer treatment:

Radiotherapy
(i) External or Superficial: (i) External or Superficial: (i) External or Superficial:
(i) External or Superficial (i) External or Superficial: 550/day
300/session 280/session 600/session
(ii) Brachytherapy (ii) Brachytherapy: 550/day
(ii) Brachytherapy: 500/session (ii) Brachytherapy: 500/session (ii) Brachytherapy: 1,200/session
(iii) Hemi-Body

Chemotherapy 3,000/mth 3,000/mth 25,000/year 36,500/year

As Charged As Charged As Charged As Charged As Charged

Immunotherapy 700/mth 700/mth 8,500/year 8,500/year

Stereotactic Radiotherapy 2,500/session 2,000/session 2,000/course 2,000/treatment

Immunosuppressants for organ transplants 600/mth 5,000/yr 10,000/yr 5,000/year

Erythropoietin 600/mth 5,000/yr 5,500/yr 5,000/year

Long-Term Parenteral Nutrition - As Charged - As Charged - As Charged - - -

Integrated Shield Plans for Ward Class B1 in Public Hospitals pg1

Integrated Shield Plans: Integrated Shield Plans (IPs) comprise two components: (i) A MediShield Life component run by the Central Provident Fund Board (CPFB) and (ii) additional private insurance coverage run by the private insurer. The MediShield Life component provides coverage targeted at B2/C-wards in public hospitals, while the additional private insurance coverage provides additional coverage
beyond MediShield Life coverage. IPs therefore do not provide duplicate coverage with MediShield Life. This table provides a comparison between IPs for Class B1 wards in public hospitals.

Table: Comparison of Private Integrated Shield Plans for Class B1 in Public Hospitals

Income IncomeShield Plan
Benefits
B*
Additional Benefits Limits:
Limited to unused balance
Pre-Hospitalisation Treatment (number of days indicate maximum number of days amount** of room, board and
medical-related services,
covered prior admission)
intensive care unit (ICU) and
(Note (1))
medical-related services
benefits and staying in a
community hospital (Up to 90
days)
** If the inpatient claim is made
under a third party plan, Income
will calculate the unused
balance amount after assessing
the inpatient bill based on
Income’s IP limits and
Post-Hospitalisation Treatment (number of days indicate maximum number of days deductibles. For more
covered after discharge) information, please check with
(Note (1)) your financial advisor or
Income.
Other Post-Hospitalization Treatment (number of days indicate maximum number of
- -
days covered after discharge)
Covered under Inpatient and
Major Organ Transplant
Day surgery limits
Income Enhanced AIA HealthShield Gold Max B Great Eastern Great Eastern Prudential Raffles Health Insurance
AIA HealthShield Gold Max C* Aviva MyShield Plan 3
IncomeShield Basic Lite GREAT SupremeHealth B* GREAT SupremeHealth B PLUS PruShield B* Raffles Shield B
(i) As Charged (Up to 90 days)
[for non-panel specialist in a
private hospital (without certificate
of pre-authorisation)]
Pre-hospital specialist’s
consultation is limited to unused
500/confinement As Charged As Charged (ii) As Charged (Up to 180 days) As Charged
balance amount of room, board -
(Up to 100 days) (Up to 100 days) (Up to 120 days) [for Panel specialist in a private (Up to 90 days)
and medical-related services
hospital
benefit.
(with certificate of pre-
authorisation),
restructured hospital or community
As Charged hospital]
(up to 100 days) (i) As Charged (i) As Charged (Up to 180 days)
(Up to 180 days) [for non-panel specialist in a
[for non-panel specialist in a Private private hospital (without certificate
Hospital or Panel specialist in a Private of pre-authorisation)]
1,000/confinement Post-hospitalisation treatment is Hospital (without certificate of pre-
(Up to 100 days). Additional As Charged limited to unused balance amount authorisation)] (ii) As Charged (Up to 365 days) As Charged
-
1,000 for an additional 100 days (Up to 100 days) of room, board and medical-related [for Panel specialist in a private (Up to 90 days )
for 30 critical illnesses) services benefit. (ii) As Charged hospital
(up to 365 days) (with certificate of pre-
[for Panel specialist in a Private Hospital authorisation),
(with certificate of pre-authorisation) or restructured hospital or community
Restructured Hospital] hospital]
Speech Therapy, Occupational Therapy,
- - - Physical Therapy: 1200/yr; 120/session - - -
(Up to 180 days)
As Charged in
Governmen/Restructured As Charged
As Charged As Charged - As Charged - As Charged
Hospitals, else subject to pro- (for selected organs only)
ration factor

Living Donor Organ Transplant, coverage for insured donor (after 24 mths waiting Covered up to MediShield Life 20,000/transplant 20,000/lifetime
20,000/transplant 20,000/transplant 20,000/transplant - - 20,000/transplant
period) benefits only (Note (2)) (Note (2))
20,000/transplant 20,000/transplant 20,000 / transplant 20,000/transplant
Living Donor Organ Transplant, coverage for non-insured donor - - - - -
(Note (3)) (Note (3)) (Note (2)) (Note (3))
Pregnancy and Delivery-Related Complications Benefit
3,500/yr As Charged
(after 10 months waiting period) (for selected conditions only - please check with your - As Charged - As Charged - As Charged As Charged
insurer for futher details)

(i) 10,000/yr (Within 730 days of last

5,000/yr As Charged Covered up to benefit limits of the Covered up to benefit limits of the policy effective date) As Charged As Charged
Congenital Abnormalities Benefit - -
(with 24 mths waiting period) (with 12 mths waiting period) plan plan (ii) As Charged (After 730 days from last (with 12 mths waiting period) (with 24 mths waiting period)
policy effective date)

[Only for insured female] 12,000 / lifetime

Congenital Abnormalities Benefit of Insured's biological child from birth - - - 12,000 per lifetime - Limited to 3,000 / child - - -
Limited to 3,000 per child [with 300 days waiting period]
Prosthesis Benefit 6,000/yr 6,000/yr - - - - - - -
Addtl 30,000 policy yr limit Addtl 50,000 policy yr limit Additional 50,000/yr
Critical Illnesses - - (for 30 Critical Illnesses) (for 30 Critical Illnesses) - - - (for 5 Critical Illnesses) -
(Note (4)) (Note (4)) (Note (4))

Reimburse Eligible Expenses Reimburse Eligible Expenses

Covered under Inpatient and
Emergency overseas treatment
Day surgery limits
incurred for overseas medical or
surgical treatment subject to the
applicable claim limits under AIA
As Charged but limited to costs HealthShield Gold Max C. Benefit
of ward class B1 in Singapore payable under Emergency
restructured hospitals Overseas (Outside Singapore)
Medical Treatment Benefit limited
to the level of reasonable and
customary charges in a
Singapore Private Hospital.
incurred for overseas medical or
Reimburse the actual Expenses
surgical treatment subject to the
incurred overseas or the
applicable claim limits under AIA Reimburse the lower of Hospital
Reasonable and Customary
HealthShield Gold Max B Lite. As Charged expenses incurred up to the limits As Charged As Charged
Charges applicable in
Benefit payable under Emergency (But limited to Singapore Restructured covered by PruShield B or the (pegged to costs restructured (limited to Singapore Restructured
a Class B1 ward of a Restructured
Overseas (Outside Singapore) Hospitals, Class B1 Ward charges) actual Reasonable and Cusotmary hospitals in Singapore) Hospital Class B1 Ward charges)
Hospital, whichever
Medical Treatment Benefit limited Expenses
is the lower, subject to the benefit
to the level of reasonable and
limits of Supreme Health B.
customary charges in a
Singapore Private Hospital.

As Charged
(pegged to costs of restructured
Planned overseas treatment - - - - - - - -
hospitals in Singapore)
(Note (5))

Proton Beam Therapy Treatment - 70,000/yr - 70,000/yr - 30,000/yr - 10,000 / yr -

Cell, Tissue and Gene Therapy - 150,000/yr
Autologous bone marrow transplant treatment for multiple myeloma - 10,000/yr
Final Expense Benefit (Note (10)) 3,000 3,000
Waiver of Premium upon Total Permanent Disability - -
- 100,000/yr - 100,000/yr - 30,000 / yr -
- As Charged - 20,000/yr - - -
2,500 2,500 3,600 3,600 3,000 10,000 3,000
In the event of Death/TPD of the
parent (payor), premium will be
Waives 1 yr premium for insured Waives 1 yr premium for insured - - - -
wavied for the Insured until he/she
reaches age 21.

Integrated Shield Plans for Ward Class B1 in Public Hospitals pg2

Integrated Shield Plans: Integrated Shield Plans (IPs) comprise two components: (i) A MediShield Life component run by the Central Provident Fund Board (CPFB) and (ii) additional private insurance coverage run by the private insurer. The MediShield Life component provides coverage targeted at B2/C-wards in public hospitals, while the additional private insurance coverage provides additional coverage
beyond MediShield Life coverage. IPs therefore do not provide duplicate coverage with MediShield Life. This table provides a comparison between IPs for Class B1 wards in public hospitals.

Table: Comparison of Private Integrated Shield Plans for Class B1 in Public Hospitals
Income IncomeShield Plan Income Enhanced AIA HealthShield Gold Max B Great Eastern Great Eastern Prudential Raffles Health Insurance
Benefits AIA HealthShield Gold Max C* Aviva MyShield Plan 3
B* IncomeShield Basic Lite GREAT SupremeHealth B* GREAT SupremeHealth B PLUS PruShield B* Raffles Shield B
Other Policy Features

Raffles Hospital - 60%

Private Hospital - 50%
Proration factors for Private Hospital & Private Outpatient Clinics (Note (6)) 80% 50%
- 50% 50% Private Outpatient - 65% - 35%
(Please check with your insurer for more information on other applicable factors) (Note (7)) (Note (7)) Private Hospitals (except Raffles
Private Day Surgery - 65%
Hospital) - 50%

80% 80% 80%

Proration factors for Class A Wards - 85% - - 85% 80%
(Note (8)) (Note (7)) (Note (7))
Proration factors for Non-Subsidised Short-Stay Ward / Day Surgery / Outpatient 80% 80%
- - - - - 85% -
Treatment (Note (7)) (Note (7))
Deductibles (Per Policy Year) (Note (9))
Class C 1,500 1,500 1,500 1,500 1,500 1,500 1,500 1,500
Class B2 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000

Class B1 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500

Class A and Private Hospital 2,500 2,500 2,500 3,500 3,500 3,500 3,500 3,500
Restructured hospital
Subsidised Day Surgery/ Short Stay Wards 2,000 2,000 2,000 2,000 2,500 1,500 (short stay) 1,500 2,000
2,000 (day surgery)
2,000 (day surgery)
Restructured hospital: 2,000 (subsidised short stay ward)
2,000 (short stay) 3,500 (unsubsidised short stay
Unsubsidised Day Surgery/ Short Stay Wards 2,500 2,500 2,000 2,000 2,500 (day surgery) 2,000 ward) 3,000
Private Hospital:
3,500 (short stay & day surgery)

10%
Co-insurance 10% 10% 10% 10% 10% 10% 10% 10%
(max $25,500/yr)
Policy Year Limit 150,000 250,000 150,000 300,000 180,000 500,000 120,000 500,000 300,000
Lifetime Limit Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited
Last Entry Age 75 75 75 75 75 75 75 75 75
Maximum Coverage Age Lifetime Lifetime Lifetime Lifetime Lifetime Lifetime Lifetime Lifetime Lifetime

Integrated Shield Plans for Ward Class B1 in Public Hospitals pg3

Information on Premiums: Integrated Shield Plans (IPs) comprise two components: (i) A MediShield Life component run by the Central Provident Fund Board (CPFB) and (ii) additional private insurance coverage run by the private insurer. The MediShield Life component provides coverage targeted at B2/C-wards in public hospitals, while the additional private insurance coverage provides additional
coverage beyond MediShield Life coverage. Premiums for IPs shown below is the total premiums comprising both premiums for MediShield Life and the additional private insurance coverage component for IPs for Class B1 wards in public hospitals.

Integrated Shield Plan Premiums for Singapore Citizen (SC) and Permanent Resident (PR) Policyholder (Rounded to nearest $)
Income IncomeShield Plan Income Enhanced AIA HealthShield Gold Max B Great Eastern Great Eastern Prudential Raffles Health Insurance
AIA HealthShield Gold Max C* Aviva MyShield Plan 3 Raffles Shield B
B* IncomeShield Basic Lite GREAT SupremeHealth B* GREAT SupremeHealth B PLUS PruShield B*
Age Next Birthday: SC + PR
1 to 20 167 - 193 169 - 183 205 213 182 - 190 193 - 202 184 215 201
21 to 30 280 282 320 320 295 308 - 326 289 323 309
31 to 40 434 - 443 453 - 463 492 492 454 467 - 489 442 490 473
41 to 50 603 638 - 655 650 687 - 724 643 665 - 681 602 705 - 721 651
51 to 60 878 - 888 946 - 958 955 - 988 1,015 - 1,038 965 1,025 - 1,112 880 - 890 1,078 - 1,086 1,024 - 1,033
61 to 65 1,196 1,317 1,288 1,380 1,323 1,366 - 1,547 1,196 1,500 1,398
66 to 70 1,473 1,569 1,485 1,680 1,626 1,685 - 1,989 1,448 1,819 1,712
71 to 73 1,716 1,910 1,854 2,055 2,038 2,145 - 2,279 1,829 2,346 2,105
74 to 75 1,914 2,168 2,088 2,330 2,303 2,479 - 2,558 2,056 2,661 2,383
76 to 78 2,246 2,545 2,440 2,899 2,601 2,853 - 3,039 2,665 3,442 2,753
79 to 80 2,320 2,745 2,593 2,959 2,839 3,203 - 3,317 2,655 3,514 2,997
81 to 83 2,168 2,942 2,711 3,093 2,948 3,454 - 3,563 2,488 4,225 3,117
84 to 85 2,633 3,428 2,975 3,402 3,321 3,879 - 3,938 2,782 4,506 3,743
86 to 90 2,800 - 2,937 3,672 - 3,944 3,119 3,655 - 3,920 3,942 - 3,995 4,088 - 4,347 2,949 5,045 - 5,172 4,051 - 4,361
Premiums above age 90 3,162 - 3,962 4,351 - 5,435 3,149 - 3,500 4,126 - 4,817 4,025 - 4,786 4,447 - 5,178 4,005 - 4,417 5,462 - 5,890 4,733 - 5,154

* This plan is no longer offered to new members. Existing members may continue to renew their policies.

Note (1): Pre & Post hospital treatment may not be available for: accident inpatient dental treatment, inpatient congenital anomalies, inpatient pregnancy complications, living donor organ transplant, inpatient psychiatric treatment and emergency overseas treatment. Please check with your insurer for more information.
Note (2): (a) For Great Eastern plans, the living donor organ transplant applies for kidney, liver and pancreas transplants only. When Life Insured is the donor, the recipient must be a family member (parents, siblings, children or spouse) of the Life Insured.
(b) For Aviva plans, the living donor organ transplant applies for kidney and liver transplants only, where the recipient must be a family member (parents, siblings, children or spouse) of the Life Insured.
(c) For Raffles Shield B, the recipient of the organ must be a family member (parents, siblings, spouse and children) of the Life Insured.
Note (3): Expenses incurred by the non-insured living donor shall only be reimbursed under the Living Donor Organ Transplant (coverage for non-insured donor) if the organ recipient is the Life Assured and the living donor is not eligible to be reimbursed under MediShield Life, Medisave-approved
Integrated Shield Plans or any other insurance plans for the organ donation.
Note (4): Aviva and AIA's Critical Illness Benefit is provided over and above the Overall Policy Year Limit and the Overall Lifetime Limit.
Note (5): Expenses incurred under Planned overseas treatment shall only be reimbursed if the inpatient treatment or day surgery was received at an overseas hospital that has an approved working arrangement with a Medisave-accredited institution/referral centre in Singapore .
Note (6): Treatment in the following private dialysis centres will not be pro-rated: National Kidney Foundation, Kidney Dialysis Foundation and People's Dialysis Centre.
Note (7): A pro-ration factor of 90% and 80% will apply to Singapore Permanent Residents and Foreigners respectively, for expenses incurred in: 1) Class B1 or lower in restructured hospital/government-funded Community Hospital and/or government-funded Inpatient Palliative Care Institution, or 2)
Subsidised short-stay ward, day surgery and/or restructured hospitals.
Note (8): A pro-ration factor of 90% will apply to Singapore Permanent Residents for expenses incurred in Class B1 ward in restructured hospital.
Note (9): (a) For Great Eastern's SupremeHealth B Plus plan, the deductible applicable for policyholders after the age of 85 will be raised by $1,000 of the above listed deductible.
(b) For Income's IncomeShield Plan B and Enhanced IncomeShield Basic, the deductible applicable for policyholders after the age of 80 is as follows: Class C - $2,250, Class B2/B2+ - $3,000, Class B1/A/pte hospital - $3,750,
(c) For Aviva's MyShield Plan, the deductible applicable for policyholders after the age of 80 will be 150% of the listed deductibles.
(d) For AIA HSG Max B Lite, the deductible applicable for Insured ages of 81 is as follows: Class C - $1,500, Class B2 - $2,250, Class B1 - $3,000, Class A / Private - $4,500
(e) For Raffles Shield B, the deductibles applicable for Insureds with Age Next Birthday of 81 and above will be 150% of the listed deductibles.
Note (10): Final Expense Benefit refers to the waiver of the deductible and co-insurance up to the stipulated amounts in the event of the insured's death during hospitalisation or within a stipulated period after discharge from hospital subject to the conditions as stipulated by the insurer.
Note (11): Panel or preferred partner means a registered medical practitioner, specialist, hospital or medical institution on our approved list. Please refer to www.income.com.sg for the approved list. The list may be updated from time to time.

The premiums payable are based on your age next birthday and may increase as you enter into the next age band
The annual Additional Withdrawal Limits for the Additional Private Insurance Premiums of Medisave-approved Integrated Shield Plan policies are:
(a) $300 per policy year, where the insured person is aged 40 or less at his/her next birthday on date of policy commencement/renewal
(b) $600 per policy year, where the insured person is aged between 41 to 70 years at his/her next birthday on date of policy commencement/renewal
(c) $900 per policy year, where the insured person is aged 71 or more years at his/her next birthday on date of policy commencement/renewal

Integrated Shield Plans for Ward Class B1 in Public Hospitals pg4