Seek medical care through our panel of trusted medical professionals.
Here's what you can enjoy
Additional benefits when you seek treatment from a specialist within our Panel. We have more than 500 specialists across various specialties and sub-specialties in private practice island-wide, specially curated to meet all your medical needs at quality clinical standards.
Reimbursem*nt of treatment expenses[1] incurred up to 180 days before and 365 days after hospitalisation if the inpatient hospital treatment is provided by our Specialist Panel[2] and paid for under the Enhanced IncomeShield Preferred plan.
Enhanced coverage of 17 types of pregnancy and delivery-related complications when treatment is provided by our Obstetrics & Gynaecology (O&G) Preferred Partners.
Treatments provided by Restructured Hospitals are deemed as treatments provided by our Panel, and are hence eligible for the same benefits.
Receive additional benefits when seeing a specialist within the Extended Panel[3] with over 200 specialists.
Restructured Hospital
Restructured hospitals provide well-integrated and specialty-led care for complex medical conditions, and can refer patients to appropriate care centres when needed. This is also an economical option for policyholders who are concerned about the cost of their medical bill. Find out more.
Community Hospital
Community Hospitals provide step-down care for patients with less intense care needs for a short term after their discharge from acute hospitals. Community Hospitals may also provide palliative care. Find out more.
These are non-profit organisations that provide outpatient kidney dialysis services to patients with chronic kidney failure. Find out more.
Preferred Partner (Obstetrics & Gynaecology)
Our Preferred Partners for Obstetrics & Gynaecology can be searched and found under our "Search by Speciality" listing.
Preferred Partner (Kidney Dialysis)
Our Preferred Partners include those that are specialised in providing quality care for patients with end-stage kidney disease through dialysis. Find out more.
How to find a suitable Specialist or Preferred Partner
Step 1: Check your policy coverage
Unsure about your policy coverage?For the precise terms and conditions of your cover, please refer to the actual policy and any endorsem*nt[4] issued to you. Learn more about the hospitalisation coverage and entitlements that your IncomeShield plan provides below.
Ward entitlement
As charged, for standard room in private hospitals
As charged, up to ward class B1 in public hospitals
Deductible & co-insurance
Applies if no rider
Pro ration
Applies for admission in private hospitals and for admission to ward A in public hospitals. Does not apply for admission to other ward types in public hospitals.
Sub-limits
Does not apply
View full coverage information
Ward entitlement
As charged, up to Ward class B2 in public hospitals
Deductible & co-insurance
Applies if no rider
Pro ration
Applies for admission in private hospitals and for admission to ward class A and B1 in public hospitals. Does not apply for admission to other ward types in public hospitals.
Applies for admission in private hospitals and for admission to ward class A and B1 in public hospitals. Does not apply for admission to other ward types in public hospitals.
Sub-limits
Applies
View full coverage information
Ward entitlement
Not as charged, subject to policy limits
Deductible & co-insurance
Applies if no rider
Pro ration
Does not apply
Sub-limits
Applies
View full coverage information
Ward entitlement
Not as charged, subject to policy limits
Deductible & co-insurance
Applies if no rider
Pro ration
Does not apply
Sub-limits
Applies
View full coverage information
Ward entitlement
Not as charged, subject to policy limits
Deductible & co-insurance
Applies if no rider
Pro ration
Does not apply
Sub-limits
Applies
View full coverage information
Ward entitlement
Not as charged, subject to policy limits
Deductible & co-insurance
Applies if no rider
Pro ration
Does not apply
Sub-limits
Applies
View full coverage information
Step 2: Decide between a Panel or Preferred Partners or Extended Panel
Panel
Additional benefits when you seek treatment from reputable and experienced specialists
Recommended for those covered under the Enhanced IncomeShield Preferred plan which entitles you to a higher claimable amount for treatments provided by specialists or in private hospitals.
Preferred Partner
Additional benefits when you seek treatment from reputable and qualified O&G specialists
Recommended for patients with end-stage renal disease through dialysis.Find out more.
For selected Enhanced IncomeShield plans, receive enhanced coverage of 17 types of complications under the pregnancy and delivery-related complications benefit.
Extended Panel
Additional benefits when you seek treatment from specialists not on Income’s panel or preferred partners lists.
Depending on the type of riders you buy, you will receive a different coverage. View a comparison of benefits here.
Step 3: Things to note
Effect of prolonged consultations
You should consider the effect of extensive treatments or prolonged consultations on the amount that you have to pay on your own after your hospitalisation as IncomeShield plans cover post-hospitalisation treatments up to a fixed number of days only, depending on your plan and riders purchased. Consultation fees and other charges that you incur after the stipulated period are not claimable.
You will enjoy extended coverage for post-hospitalisation treatment up to 365 days for the Enhanced IncomeShield Preferred Plan if your inpatient hospital treatment is provided by our Panel.
Effect of sub-limits
Sub-limits apply to IncomeShield plans that are not as charged. They are limits that put a cap on the amount of coverage for various hospital items such as, the daily room charges. This means you have to pay for charges that exceed the sub-limits which are not claimable.
Effect of deductible and co-insurance
If you have not purchased any rider, you will incur deductible and co-insurance. Depending on the type of riders that you buy, you may also need to pay a co-payment amount of up to 10%, and an additional non-panel payment of up to $2,000 if your hospital treatment is not provided by our Panel[2] or from the Extended Panel[3].
For information on IncomeShield plans and riders, please refer to our website at https://www.income.com.sg/health-insurance
Find a Specialist or Preferred Partner
Important note
Whether you are seeking treatment from a specialist from any restructured hospital, our Panel[2], Preferred Partners[2] or Extended Panel[3] your bill still needs to be assessed according to the terms of your IncomeShield policy to determine if you are covered, and how much you are covered for.
For specialists within the Extended Panel, click here to view the list.
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Important notes
Pre-hospitalisation and post-hospitalisation treatment are not covered for treatment given before or after inpatient psychiatric treatment benefit, accident inpatient dental treatment or emergency overseas treatment. Pre-hospitalisation and post-hospitalisation treatment are also not payable if the inpatient hospital treatment received during the stay in hospital are not payable. Post-hospitalisation treatment such as medications purchased during a post-hospitalisation period when the treatment is not used during the same post-hospitalisation period is not payable.
Panel or preferred partner means a registered medical practitioner, specialist, hospital or medical institution approved by us. The lists of approved panels and preferred partners, which we may update from time to time, can be found on this page. Our list of approved panels also includes all restructured hospitals, community hospitals and voluntary welfare organisations (VWO) dialysis centres.
Extended panel means a registered medical practitioner or specialist approved by us to provide coverage on the benefits for this rider. The registered medical practitioner or specialist must not be on Income’s panel or preferred partners lists and must meet other criteria including being on another Integrated Shield Plan provider’s panel listing. The approved extended panel list, which we may update from time to time, can be found on this page.
Endorsem*nt refers to a clause under which we may change the cover we provide. The endorsem*nt which applies to your policy is shown in the schedule or the certificate of insurance.
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