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Compare Integrated Shield Plans › Income Insurance
Income Insurance · Hospital plan

Enhanced Preferred

Integrated Shield Plan by Income Insurance. Private insurance premium from S$299/yr, across 25 premium data points by age band. Figures are from verified official premium tables.

By MoneyAtlas Research · Verified 12 Jul 2026 · How we verify & rank

Last verified 12 Jul 2026 · 9 official sources · v21

Last verified12 Jul 2026

Data versionv21-rider-status-cleanup

Verified sources9 of 9

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Spotted a figure that looks wrong or out of date?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

AgePrivate insurance premium /yrMediShield Life /yrEst. cash outlay /yr
1-18S$299S$200S$0
21-25S$321S$295S$21
26-30S$347S$295S$47
31-35S$484S$503S$184
36-40S$502S$503S$202
41-45S$977S$637S$377
46-50S$1,140S$637S$540
51-55S$1,715S$903S$1,115
56-60S$2,192S$903S$1,592
61-65S$2,936S$1,131S$2,336
66-70S$3,557S$1,326S$2,957
74-75S$5,866S$1,816S$4,966
79-80S$7,446S$2,187S$6,546
84-85S$8,889S$2,616S$7,989
Show the full premium table (25 age rows)
Age bandPrivate insurance premium /yrMediShield Life /yrEst. cash outlay /yr
1-18S$299S$200S$0
19-20S$313S$200S$13
21-25S$321S$295S$21
26-30S$347S$295S$47
31-35S$484S$503S$184
36-40S$502S$503S$202
41-45S$977S$637S$377
46-50S$1,140S$637S$540
51-55S$1,715S$903S$1,115
56-60S$2,192S$903S$1,592
61-65S$2,936S$1,131S$2,336
66-70S$3,557S$1,326S$2,957
71-73S$5,136S$1,643S$4,236
74-75S$5,866S$1,816S$4,966
76-78S$6,611S$2,027S$5,711
79-80S$7,446S$2,187S$6,546
81-83S$7,826S$2,303S$6,926
84-85S$8,889S$2,616S$7,989
86-88S$9,741S$2,785S$8,841
89-90S$10,675S$2,785S$9,775
91-93S$10,775S$2,826S$9,875
94-95S$11,168S$2,826S$10,268
96-98S$11,742S$2,826S$10,842
99-100S$12,501S$2,826S$11,601
Over 100S$12,501S$2,826S$11,601

Key benefits

Hospital
Ward entitlementStandard room in private hospital / private medical institution
Hospital
Pre-hospitalisation100 days non-panel; 180 days panel
Hospital
Post-hospitalisation100 days non-panel; 365 days panel
Core limits
Annual limit$1,500,000
Core limits
Lifetime limitUnlimited
Cost-share
Base coinsurance10%
Cost-share
Deductible age ≤80$3,500 for private / emergency overseas stay
Cost-share
Deductible age >80$5,250 for private / emergency overseas stay
Overseas
Emergency overseasAs charged, capped at equivalent Singapore private-hospital cost
Cancer / Advanced treatment
CTGTPUp to $250,000 for listed indications
Cancer / Advanced treatment
Proton beam therapyUp to $100,000 each policy year
Psychiatric
Psychiatric treatmentUp to $20,000
Overview
ProsthesisUp to $10,000
Overview
Current ridersOptima / Essential

Compatible riders

Optima Care Rider — PreferredEssential Care Rider — Preferred

Insurer service standards (MOH)

Claims processing
Same day for a typical claim1 day or less for 3 in 4 claims (1 Jan – 31 Mar 2026); includes time to obtain medical records
Pre-authorisation
Not offeredIncome does not offer pre-authorisation

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 Preferredfigures 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.