Enhanced Advantage
Integrated Shield Plan by Income Insurance. Private insurance premium from S$51/yr, across 25 premium data points by age band. Figures are from verified official premium tables.
Last verified 12 Jul 2026 · 9 official sources · v21
Last verified12 Jul 2026
Data versionv21-rider-status-cleanup
Verified sources9 of 9
- Enhanced IncomeShield product page / toolkit, correct as at 20 May 2026
- Enhanced IncomeShield main premium schedule effective 1 Apr 2026
- IncomeShield Standard Plan premium schedule effective 1 Apr 2026
- Coverage for Enhanced IncomeShield
- Withdrawn Integrated Shield Plan riders archive
- Enhanced IncomeShield Optima Care and Essential Care rider co-payment model
- IncomeShield Specialist Panel and Preferred Partners
- Optima Care Rider premium table effective 1 Apr 2026
- Essential Care Rider premium table effective 1 Apr 2026
Figures are normalised from official insurer and government sources. Confirm against the latest illustration before any product discussion.
Spotted a figure that looks wrong or out of date? Report a data error— we’ll check it and correct it openly.
Premiums by age
| Age | Private insurance premium /yr | MediShield Life /yr | Est. cash outlay /yr |
|---|---|---|---|
| 1-18 | S$51 | S$200 | S$0 |
| 21-25 | S$77 | S$295 | S$0 |
| 26-30 | S$84 | S$295 | S$0 |
| 31-35 | S$129 | S$503 | S$0 |
| 36-40 | S$161 | S$503 | S$0 |
| 41-45 | S$274 | S$637 | S$0 |
| 46-50 | S$284 | S$637 | S$0 |
| 51-55 | S$445 | S$903 | S$0 |
| 56-60 | S$493 | S$903 | S$0 |
| 61-65 | S$793 | S$1,131 | S$193 |
| 66-70 | S$1,215 | S$1,326 | S$615 |
| 74-75 | S$1,979 | S$1,816 | S$1,079 |
| 79-80 | S$2,842 | S$2,187 | S$1,942 |
| 84-85 | S$3,298 | S$2,616 | S$2,398 |
Show the full premium table (25 age rows)
| Age band | Private insurance premium /yr | MediShield Life /yr | Est. cash outlay /yr |
|---|---|---|---|
| 1-18 | S$51 | S$200 | S$0 |
| 19-20 | S$75 | S$200 | S$0 |
| 21-25 | S$77 | S$295 | S$0 |
| 26-30 | S$84 | S$295 | S$0 |
| 31-35 | S$129 | S$503 | S$0 |
| 36-40 | S$161 | S$503 | S$0 |
| 41-45 | S$274 | S$637 | S$0 |
| 46-50 | S$284 | S$637 | S$0 |
| 51-55 | S$445 | S$903 | S$0 |
| 56-60 | S$493 | S$903 | S$0 |
| 61-65 | S$793 | S$1,131 | S$193 |
| 66-70 | S$1,215 | S$1,326 | S$615 |
| 71-73 | S$1,679 | S$1,643 | S$779 |
| 74-75 | S$1,979 | S$1,816 | S$1,079 |
| 76-78 | S$2,409 | S$2,027 | S$1,509 |
| 79-80 | S$2,842 | S$2,187 | S$1,942 |
| 81-83 | S$2,889 | S$2,303 | S$1,989 |
| 84-85 | S$3,298 | S$2,616 | S$2,398 |
| 86-88 | S$3,796 | S$2,785 | S$2,896 |
| 89-90 | S$4,060 | S$2,785 | S$3,160 |
| 91-93 | S$4,493 | S$2,826 | S$3,593 |
| 94-95 | S$4,998 | S$2,826 | S$4,098 |
| 96-98 | S$5,476 | S$2,826 | S$4,576 |
| 99-100 | S$5,940 | S$2,826 | S$5,040 |
| Over 100 | S$6,424 | S$2,826 | S$5,524 |
Key benefits
Compatible riders
Insurer service standards (MOH)
Service figures are published by the Ministry of Health for Income as an insurer (all its IP plans), not for this plan specifically. See MOH’s comparison page.
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Income Insurance Enhanced Advantagefigures are indicative, for comparison and education only, based on the insurer’s published premium table. Actual premiums, eligibility, MediSave-payable portion and benefits depend on your age, citizenship/residency, underwriting and the current policy contract. This page does not rank plans or recommend a product. Confirm with Income Insurance or a licensed financial adviser before any decision.