Health Insurance
Overview
Income’s Hospital Care Insurance is a short‑term health policy that pays fixed cash benefits when you are hospitalised, providing additional financial cushioning beyond your regular medical plans. Benefits extend worldwide (up to 90 days per policy year) and cover accidental injuries and non‑pre‑existing illnesses.
Key Benefits at a Glance
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Section 1 – Daily Hospital Cash
Receive a fixed daily payout for each day you are warded (maximum 730 days per condition). -
Section 2 – ICU Triple Cover
Triple the daily cash amount when you are confined in an Intensive Care Unit (maximum 60 days per condition). -
Section 4 – Emergency Outpatient Expenses (Accident‑only)
Reimburses outpatient treatment by a registered Western, Chinese medicine practitioner, or chiropractor within 48 hours of an accident, plus follow‑up visits for 30 days. -
Section 6 – Home Recovery After Hospitalisation
Cash allowance for each doctor‑certified day of medical or hospitalisation leave taken at home immediately after discharge.
Coverage Details
1 . Daily Hospital Cash vs ICU Triple Cover
You may claim either Section 1 or Section 2 for the same hospital day, not both.
2. Hospital Definition
A covered hospital must be a registered medical facility offering 24‑hour nursing and surgical services. Community hospitals, nursing homes, and convalescent centres do not qualify.
3. Worldwide Protection
You remain covered overseas for trips totalling ≤ 90 days within a policy year.
4. Exclusions & Waiting Period
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Pre‑existing conditions are excluded.
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For illnesses, a 30‑day waiting period applies from policy inception; accidental injuries have no wait.
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Claims arising from overseas travel against government COVID‑19 advisories are not covered.
Eligibility & Enrollment
| Criterion | Requirement |
|---|---|
| Entry age | 30 days – 65 years (last birthday) |
| Nationality / Residency | Singapore Citizen, PR, or valid pass‑holder (NRIC, EP, WP, LTVP) |
| Family cover | One policy can include spouse and/or dependent children (< 18 years) if all meet eligibility |
| Plan upgrades | Permitted at renewal, subject to underwriting |
Frequently Asked Questions
Benefits & Claims
| Question | Answer (summary) |
|---|---|
| Can I claim both Daily Cash and ICU Cover for the same day? | No – choose one section per hospital day. |
| Are ambulance fees covered? | Yes, if you are admitted and a daily cash benefit is payable; other transport (taxi, air ambulance) is excluded. |
| Maximum days payable? | Up to 730 days (Section 1) or 60 days (Section 2) per injury/illness episode. |
| Coverage overseas? | Yes, up to 90 cumulative days abroad each policy year. |
| Outpatient sickness claims? | Not covered; outpatient reimbursement applies only to accidental injuries (Section 4). |
| Community‑hospital stays? | Not covered (doesn’t meet hospital definition). |
| Waiting period? | 30 days for sickness; none for accident injuries. |
| Home‑recovery cash if I only received sick leave? | Yes, with a doctor’s certificate from the same hospital. |
Policy Administration
| Question | Answer (summary) |
|---|---|
| Entry age limit? | 30 days – 65 years. |
| Foreigners/PRs eligible? | Yes, with valid Singapore ID/pass. |
| Multiple insured lives under one policy? | Allowed for spouse and children. |
| Cancelling the policy? | Email pline@income.com.sg or call 6788 1777. Full premium refund during 14‑day free‑look (no claims); after that, pro‑rated refund (85 % of unused premium) for amounts ≥ S$38.15 (incl. GST 2024). |
Detailed answers—including practitioner registration links and refund formula—are in the appendix below.
Claims Process
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Seek treatment at a registered hospital (or registered practitioner for Section 4).
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Collect documentation
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Hospital discharge summary / admission form
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Medical certificate (for Section 6)
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Original invoices & receipts (ambulance, outpatient, etc.)
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Submit claim through Income’s online portal or by post within the stipulated timeframe.
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Payout is made after assessment; benefit stops when the policy ends or maximum payable days are reach
Download a copy of the claim form here: Medical Accident Living TPD claim form (Dec2024).pdf
Cancellation & Refund
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Free‑look: 14 calendar days from policy receipt—full refund if no claim lodged.
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After free‑look: Refund = (unused policy days ÷ original policy days) × 85 % of premium, subject to a minimum refundable amount (S$38.15 incl. GST 2024).