Best NTUC Income Health Insurance Plans Singapore 2020

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NTUC IncomeShield coverage

IncomeShield is an integrated shield plan by NTUC Income. It has 4 different plan types: Preferred, Advantage, Basic and Standard. With generally lower than average premiums and an annual coverage limit of up to $150,000, the NTUC IncomeShield is a good option people can consider to have as their integrated shield plan. Besides coverage for hospitalisation and surgery, there are extra benefits such as coverage for Radiotherapy, Chemotherapy, Immunotherapy, Pregnancy and Childbirth Complications and Breast Reconstruction after Mastectomy.

Why NTUC IncomeShield?

Attractive Premiums

The premium for IncomeShield is relatively lower than average for most of the plan types. In terms of price, the NTUC IncomeShield Basic and Advantage plans are very competitively priced, where the premiums are lower than the market average. The only exception would be the Preferred Plan which is relatively expensive. Another thing to consider is the Classic Care rider offered as it is one of the more affordable riders in the market.

High Coverage Limit

While IncomeShield may not have the highest pre and post-hospitalisation cover, which is 100 days for both, this does not mean that the plan has low coverage in general. The plan does not have sub-limits on the amount you can claim for selected categories such as hospitalisation and surgery. This means that the amount you can claim for treatments is as charged. Also, the annual coverage limit starts from $150,000 for the standard plan and can go up to $1,500,000 for the Preferred Plan.

Tiers offered for NTUC IncomeShield

	Hospital ward	Annual coverage limit
Preferred	Private hospital	$1,500,000
Advantage	Class A ward	$500,000
Basic	Class B1 ward	$250,000
Standard	Class B1 ward	$150,000

NTUC Income Integrated Shield Plan riders

Under the NTUC IncomeShield plan, there are 2 types of riders available (Deluxe Care and Classic Care). By adding these riders to the integrated shield plan, it helps to further reduce the out-of-pocket costs by customers.

Deluxe Care

With the Deluxe Care rider, customers are limited to a co-payment of 5% of the entire bill, capped at $3,000. Also, you can get up to $80 per day for an extra bed in the event the insured child is warded.

Classic Care

With the Classic Care rider, co-payment is limited to 10%. This will be capped at $3,000 when customers use a hospital under NTUC Income’s panel. In the event the customer visits a hospital not on the panel, they will be subjected to an additional non-panel payment which is capped at $2,000. Also, if your insured child is warded, you will get up to $80 per day for an extra bed.

NTUC Income health insurance claim process

For Hospitalisation claim

If you are receiving treatment at a hospital under the MediShield Life Scheme, you can submit your hospitalisation claim electronically. To ensure your claim is processed quickly, do bring along your Medical Claims Authorisation Form, IncomeShield Letter of Guarantee, Admission Authorisation Form from the hospital as well as any other required forms.

For Pre and post-hospitalisation

If you want to make claims under the pre and post-hospitalisation benefits, you are required to fill out the outpatient claim form which can be downloaded on the NTUC Income website. To submit the claim form, you can either drop it off or mail it to NTUC Income’s Claim service center or any Income branch. Alternatively, you can pass the form to your advisor to process the claim for you.

Frequently asked questions

Is the NTUC IncomeShield payable by medisave?: All integrated shield plans such as the NTUC IncomeShield are payable by MediSave.
Do the premiums of the NTUC IncomeShield increase with age?: Yes, the premiums for the NTUC IncomeShield increases with age.
Can I get more than one NTUC Income integrated shield plans to increase my coverage?: You are only allowed to have one integrated shield plan regardless of which private insurer you are covered under.
Is the quoted premium an additional amount I have to pay besides my MediShield Life plan?: When you pay the premiums for your NTUC IncomeShield, you are paying for both your MediShield Life and the private insurer coverage from NTUC Income.

Best NTUC Income Health Insurance Plans Singapore 2020

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