Medishield and Incomeshield plan B

My mum is 86 years of age. Recently she was hospitalised for 8 days in ktph under class C. She is insured under NTUC incomeshield plan B. Her total bill after subsidy is $4669.57 for the 8 days. Integrated shield plan ISP is $2177.61 and medisave is $2491.96. The breakdown for the ISP consists of medishield life Is $1727.61, Incomeshield is $450. My mum's annual premium is $1001.02 for the Medishield life and $900 for incomeshield plan B. My queries are:

1) How do they derive $450 from Incomeshield?

2) Does the deduction of the bill of the ISP first comes from medishield life then incomeshield?

3) Do you think medishield life plan is suffice? Should I cancel the Incomeshield plan B?

Thanks for any advise.

Income IncomeShield Integrated Shield Plan

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Sandy

18d ago

I have the same concerns before. But decided to keep the incomeshield to buffer for unforeseen big bills which can also be choked up as a C class patient. I have see cases where surgery did not turned out as planned, and stay got prolonged to 2 years. Bill size was in 2-300k, and the old lady has not pte insurance coverage. It was extremely stressful for the family. So I decided to keep for a piece of mind, and cut back on other expenses where I can Instead.

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Debbie

16 Apr 2026

Hey, hope your mum is okay 🙏

1. Why IncomeShield only pay $450?

Because MediShield Life already paid first ($1.7k). After that, only a small remaining amount is claimable under IncomeShield (after deductible etc.), so it comes up to $450. This is normal for C class wards.

2) Which pays first?

Yes, correct order: MediShield Life ➡️ IncomeShield ➡️ MediSave/cash

3) Is MediShield Life enough? Cancel IncomeShield?

MediShield Life alone: enough for basic (C/B2 ward), cheaper but lower coverage

IncomeShield Plan B: extra protection for bigger bills, but premiums are high at her age

Simple way to think: