Hospital pro-ration can apply when treatment is in a hospital or ward category above the selected entitlement. The cited Income FAQ describes such an adjustment for its plan.
Illustration: a 75% factor applied to a hypothetical S$4,000 eligible amount gives S$3,000 before any other adjustments. This is arithmetic, not an estimate of a real claim.
Ask which bill items the factor affects and whether an exception applies. Do not assume the only extra cost of choosing a higher ward is the room-price difference.
Sources
- Income Insurance: Employees FlexCare (group insurance for employees)
Reviewed 23 October 2026 · Source details