Table 2: Comparison of Private Integrated Shield Plans for Class B1 in Restructured Hospitals and Institutions

Great Eastern
NTUC Income SupremeHealth Plan
NTUC Income NTUC Income Enhanced Great Eastern B Plus
IncomeShield Plan IncomeShield Plan IncomeShield Plan AIA HealthShield SupremeHealth (for Singapore Citizens Prudential
Benefits MB* B Basic Gold B * Plan B* only) PruShield Plan B* Aviva MyShield Plan 3
Inpatient and Day Surgery:
Daily ward and treatment charges 450 800 As Charged 450 510 As Charged 550 As Charged
Daily ward and treatment charges
in ICU 900 1,200 As Charged 900 830 As Charged 850 As Charged
Surgery 370 - 6,600 500 - 8,200 As Charged 500 - 7,000 500 - 8,200 As Charged 600 - 8,500 As Charged
Surgical Implants and approved
medical consumables 7,000 9,000 As Charged 7,000 3,000/surgery As Charged 3,000 As Charged
Gamma Knife 9,600 9,600 As Charged 9,600 9,600 As Charged 10,000 As Charged

Outpatient Treatment:
Kidney Dialysis 2,000/mth 2,000/mth As Charged 24,000/yr 24,000/yr As Charged 24,000/yr As Charged
Cancer treatment: As Charged
Radiotherapy 120 - 240 250/day 280/day 280/day 300/day

270 per 7 day cycle,

1,240 per 21 or 28 As Charged As Charged As Charged
Chemotherapy day cycle 2,500/mth 1,240/mth 15,000/year 15,000/year
Immunotherapy - 700/mth 700/mth 8,500/year 8,500/year
Stereotactic Radiotherapy 2,000 2,500 2,000/treatment 2,000/treatment 2,000/treatment
Immunosuppressants for organ
transplant 400/mth 400/mth As Charged 5,000/yr 5,000/yr As Charged 5,000/year As Charged
Erythropoietin 400/mth 400/mth As Charged 5,000/yr 5,000/yr As Charged 5,000/year As Charged

Additional Benefits Limits:

Additional 50,000/yr
(for Heart Attack, Major
Cancer, Stroke, End Stage
Lung Disease, End Stage
Liver Disease)
Critical Illnesses - - - - - - - (See Note (5))
Major Organ Transplant As Charged As Charged
Inpatient Psychiatric Treatment - 3,000/yr 3,000/yr - - 2,000/yr - -
30,000/yr
Extra Cancer Coverage - - - 100,000/lifetime - -
As Charged As Charged As Charged
(after 10 mths waiting (after 10 mths waiting (after 10 mths waiting
Pregnancy Complications Benefit - $3,500/yr period) period) period)
As Charged As Charged As Charged
(after 24 mths waiting (after 24 mths waiting (after 24 mths waiting
Congenital Abnormalities Benefit - $5,000/yr period) period) period)
Confinement in Community As Charged As Charged
Hospital - - (up to 90 days) $275/day (up to 45 days)
20,000/transplant 20,000/transplant 20,000/lifetime
Living Donor Organ Transplant (after 24 mths waiting (after 24 mths waiting (after 24 mths waiting
(see Note (7)) period) period) period)

Policy Features
Class A - 80%
Private Hospitals - 80% for Class A and Private Hospitals - 85% for Class A and 50% for private hospital,
Proration factors - - 50%, Class A - 85% - private hospital 50% private hospital 85% for Class A ward
Proration factors for Private
Outpatient Clinics (Cancer and
Dialysis Treatment) - - 50% (Note (6)) - 50% (Note (6)) 50% (Note (6)) - -
Class C -1,000 Class C - 1,000,
Class C - 1,000, Class C - 1,000, Class C - 1,000,
Class B2 -1,500 Class B2/day surgery
Class C - 1,000, Class B2 - 1,500, Class B2 - 1,500, Class B2 - 1,500,
Class B1 -2,000 (subsidised) - 1,500,
Class B2 - 1,500, Class B1 and above - Class B1 and above - 2,000 Class B1 - 2,000,
2,000 Class A and private Class B1/day surgery
Class B1 and above - 2,000, 2,000, (Note (1)) Class A and private
hospital - 3,000 (non-subsidised) - 2,000,
2,500 Day Surgery - 2,000 Day Surgery - 2,000 hospital - 3,000
Day Surgery - 2,000 Class A and private
(See Note (1)) (See Note (1)) (Note (4))
Deductibles (Per Policy Year) (Note (1)) hospital - 3,000
10%
Co-insurance 10% 10% 10% 10% 10% 10% 10% (max $25,500/yr)
Policy Year Limit 85,000 100,000 150,000 90,000 110,000 200,000 120,000 150,000
Lifetime Limit 375,000 Unlimited Unlimited 600,000 800,000 Unlimited 1,000,000 Unlimited
Final Expense Benefit (Note (2)) - 3,000 3,000 - 3,600 3,600 3,000 1,000

Last Entry Age 75 75 75 75 75 75 75 75

Maximum Coverage Age 80 Lifetime Lifetime 100 Lifetime Lifetime 85 Lifetime

Total Premium for Singaporean Policyholder (Rounded to nearest $)

Age Next Birthday: (Note (5))
1 to 30 42 52 70 58 63 - 70 85 - 96 72 90
31 to 40 73 86 106 87 107 122 106 127
41 to 50 152 172 207 173 211 224 191 249
51 to 60 263 287 340 287 - 298 350 442 305 - 315 409 - 421
61 to 65 423 467 579 493 561 696 508 696
66 to 70 529 642 818 708 770 956 720 997
71 to 73 687 802 1,046 1,017 1,028 1,260 1,024 1,438
74 to 75 831 965 1,251 1,193 1,207 1,479 1,198 1,680
76 to 78 1065 1,160 1,502 1,669 1,693 2,072 1,659 2,353
79 to 80 1,276 1,336 1,737 1,669 1,761 2,131 1,659 2,353
81 to 83 1,569 2,354 1,669 1,883 2,472 1,750 3,202
84 to 85 1,810 2,615 1,769 2,173 2,853 1,850 3,251
Premium at max coverage age (See Note (3)) 2,556 3,654 2,509 3,139 4,123 1,850 3,900

* This plan is no longer offered to new members. Existing members may continue to renew their policies.
Note (1): (a) For GE's SupremeHealth Plan, the deductible applicable for policyholders after the age of 85 will be raised by $1,000 of the above listed deductible.
(b) For GE's SupremeHealth Plus Plan, the deductible applicable for policyholders after the age of 85 will be 150% of the listed deductibles
(c) For NTUC IncomeShield Basic Plan/Plan B, the deductible applicable for policyholders after the age of 80 is as follows: Class C - $2,000, Class B2 - $3,000, Class B1 - $3,000, Class A and pte hosp - $3,000,
Day Surgery - $3,000
Note (2): Final Expense Benefit refers to the waiver of the deductible and co-insurance up to the stipulated amounts in the event of the insured's
death during hopsitalisation or within a stipulated period after discharge from hospital subject to the conditions as stipulated by the insurer.
Note (3): For IncomeShield Plan MB, policyholders will have the option of lifetime coverage under IncomeShield Plan C
Note (4): Aviva's 5 Critical illness Benefit is provided over and above the Overall Policy Year Limit and the Overall Lifetime Limit.
Note (5): GE's SupremeHealth Plan B Plus premiums listed are rounded up to the nearest dollar and include a 5% premium discount
Note (6): Treatment in the following private dialysis centres will not be pro-rated: National Kidney Foundation, Kidney Dialysis Foundation and People's Dialysis Centre
Note (7): The recipient's kidney or liver failure must be first diagnosed after 2 years from the commencement/ reinstatement/ last upgrading date of the policy.
For GE and Aviva plans, the living organ donor transplant applies for kidney and liver transplants only, where the recipient must be a family member (parents, siblings, children or spouse) of the Life Insured.

The premiums payable are based on your age next birthday and may increase as members enters into the next age band
The annual Medisave withdrawal limits for Medisave-approved Integrated Shield policies are:
(a) $800 per policy year, where the insured person is less than 81 years of age at his next birthday on date of policy commencement/renewal
(b) $1,150 per policy year, where the insured person is 81 or more years of age at his next birthday on date of policy commencement/renewal