#10
Income Enhanced IncomeShield Advantage (Public Class A Ward)
~S$515/yr (MediSave + Rider)(S$515)
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Income Enhanced IncomeShield Advantage (Public Class A Ward) by [Income Insurance Singapore](/entity/income-insurance-singapore) covers Restructured Hospital Class A (Single Bed) admissions up to S$500,000/year with a 5% panel co-payment capped at S$3,000/year.
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Income Enhanced IncomeShield Advantage (Public Class A Ward) by Income Insurance Singapore covers Restructured Hospital Class A (Single Bed) admissions up to S$500,000/year with a 5% panel co-payment capped at S$3,000/year.
Key Metrics
Specifications
MOH IP InsurerIncome Insurance Singapore
Target Hospital WardRestructured Hospital Class A (Single Bed)
Annual Policy LimitS$500,000
Rider Co-Pay & Stop-Loss: 5% (S$3,000/yr panel cap)
MediSave AWL UsableUp to S$600/yr (age-tiered S$300–S$900)
Ref
Annual Total (Age35): ~S$515/yr
Pros and Cons
Pros
- Highly affordable Class A restructured hospital plan (base premium fully MediSave-payable up to age 50) with predictable non-claims-penalized rider rates into retirement
- Target Hospital Ward: Restructured Hospital Class A (Single Bed) (Income Insurance Singapore)
Cons
- S$500,000 annual limit is lower than Great Eastern and AIA S$1M Class A plans
- Subject to Income Insurance Singapore Singapore Key Facts Sheet & campaign T&Cs
Eligibility
- Singapore Citizens and Permanent Residents insured under MediShield Life
- base IP payable via CPF MediSave up to Additional Withdrawal Limits (cash required for rider). Lowest senior-age Class A cash outlay among major MOH IP insurers
Things to Watch Out For
- S$500,000 annual limit is lower than Great Eastern and AIA S$1M Class A plans
- Subject to Income Insurance Singapore Singapore Key Facts Sheet & campaign T&Cs
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