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Introduction

In today's healthcare landscape, having comprehensive hospital insurance is crucial for financial protection. The Income Co-Pay Assist Plan offers an additional layer of security for public officers in Singapore. This innovative plan is designed to complement the existing Comprehensive Co-Payment Scheme, providing extra financial assistance when you need it most. By minimizing out-of-pocket medical expenses, the Co-Pay Assist Plan allows you to focus on recovery without the added stress of mounting medical bills.

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Key Features

The Income Co-Pay Assist Plan offers a range of features designed to provide comprehensive coverage and financial support. From minimizing out-of-pocket expenses to covering various medical treatments, this plan is tailored to meet the unique needs of public officers. Let's explore the key features that make this plan stand out.

Minimized Out-of-Pocket Expenses

The Co-Pay Assist Plan covers half of your eligible medical bills under the Comprehensive Co-Payment Scheme. It pays up to 7.5% of your eligible medical bills and up to 20% of your dependants' eligible medical bills, subject to the ward class admitted to.

Comprehensive Medical Coverage

This plan covers medical expenses for inpatient hospital treatments following an illness or injury. It also includes outpatient treatments for kidney dialysis, chemotherapy, radiotherapy for cancer, and the use of cyclosporin and erythropoietin.

Flexible Ward Options

The Co-Pay Assist Plan offers coverage for various ward classes, including A, B1, B2, and C. Premium rates are tailored according to the age of the insured person and the class of ward covered.

Hassle-Free Application

Applying for the Co-Pay Assist Plan is simple and straightforward. You can submit the completed application form to Income through your Human Resource Department.

Benefits

The Income Co-Pay Assist Plan offers a range of benefits designed to provide comprehensive coverage and peace of mind. From financial assistance to coverage for various medical treatments, this plan is tailored to support public officers and their dependents. Let's explore the key benefits that make this plan valuable.

Financial Assistance

The plan provides significant financial assistance by covering half of the eligible medical bills you're required to co-pay under the Comprehensive Co-Payment Scheme. This can greatly reduce your out-of-pocket expenses during hospitalization.

Dependant Coverage

The Co-Pay Assist Plan extends coverage to your dependants, paying up to 20% of their eligible medical bills. This ensures that your family members are also protected against high medical costs.

Flexible Coverage

The plan covers medical expenses incurred at Singapore government/restructured or private hospitals, giving you the flexibility to choose your preferred healthcare provider.

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Other Benefits

The Income Co-Pay Assist Plan offers additional benefits that enhance its value and provide comprehensive coverage. These features are designed to address various healthcare needs and scenarios. Let's explore these additional benefits that make the plan even more attractive.

Age-Based Premiums

The plan offers age-based premium rates, ensuring that the coverage remains affordable throughout different life stages. Premium rates are structured according to age groups, ranging from under 30 to 80 and above.

Ward Class Options

The Co-Pay Assist Plan provides coverage options for different ward classes (A, B1, B2, and C), allowing you to choose the level of coverage that best suits your needs and budget.

GST-Inclusive Premiums

The premium rates are inclusive of 9% GST, ensuring transparency in pricing. This means you won't face any unexpected additional costs when paying for your coverage.

Eligibility and Application Process

The Income Co-Pay Assist Plan is exclusively designed for public officers in Singapore. To be eligible, you must be covered under the Comprehensive Co-Payment Scheme. The application process is straightforward – simply complete the application form and submit it through your Human Resource Department. For the first year, the premium needs to be paid by cash or cheque before the policy is issued. Subsequent annual renewal premiums are conveniently deducted from your payroll. Pensioners who are still eligible under the Comprehensive Co-Payment Scheme have the option to arrange their annual premium payment via cash, cheque, or GIRO.

Claims and Customer Service

Filing a claim with Income Co-Pay Assist Plan is designed to be a hassle-free process. While specific claim procedures are not detailed in the provided information, it's likely that you'll need to submit relevant medical bills and documents to support your claim. For any queries or assistance with claims, you can contact Income Insurance's customer service at 6788 1777. Alternatively, you can visit their website at income.com.sg or use their online enquiry form at income.com.sg/enquiry. Income Insurance is committed to providing prompt and efficient customer support to ensure a smooth experience for policyholders.

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Conclusion

The Income Co-Pay Assist Plan is an excellent choice for public officers in Singapore who want to enhance their existing healthcare coverage. This plan is particularly beneficial for those who want to minimize out-of-pocket medical expenses and ensure comprehensive coverage for themselves and their dependents. It's also ideal for individuals who value flexibility in choosing their healthcare providers and ward classes. By offering additional financial assistance on top of the Comprehensive Co-Payment Scheme, this plan provides peace of mind and allows you to focus on recovery without worrying about mounting medical bills.