#4
Income Enhanced IncomeShield Preferred + Deluxe Care Rider
~S$965/yr (MediSave + Rider)(S$965)
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Income Enhanced IncomeShield Preferred + Deluxe Care Rider by [Income Insurance Singapore](/entity/income-insurance-singapore) covers Private Hospital (Standard Single Room) admissions up to S$1,500,000/year with a 5% panel co-payment capped at S$3,000/year.
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Income Enhanced IncomeShield Preferred + Deluxe Care Rider by Income Insurance Singapore covers Private Hospital (Standard Single Room) admissions up to S$1,500,000/year with a 5% panel co-payment capped at S$3,000/year.
Key Metrics
Specifications
MOH IP InsurerIncome Insurance Singapore
Target Hospital WardPrivate Hospital (Standard Single Room)
Annual Policy LimitS$1,500,000
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$965/yr
Pros and Cons
Pros
- S$1.5M annual private hospital limit WITHOUT claims-based pricing penalties on renewal (premiums do not surge individually just because you make a panel illness claim)
- S$3,000 annual co-pay cap on panel
Cons
- Non-panel specialist visits without prior referral carry S$2,000+ co-payment floor or higher co-insurance
- 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). Flat non-claims-penalized Deluxe Care rider structure
Things to Watch Out For
- Non-panel specialist visits without prior referral carry S$2,000+ co-payment floor or higher co-insurance
- Subject to Income Insurance Singapore Singapore Key Facts Sheet & campaign T&Cs
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