Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. All health insurance products featured on this page will involve an independent financial advisory firm called PromiseLand. This third-party company will be reaching out to you directly regarding your enquiries. The details you see on our site may be different from others. Some content may be compensated through third-party advertisers. However, the results of our comparison tools which are not marked as sponsored are based on objective analysis. All financial products and services are presented without warranty.
NTUC Income Insurance offers over 8 types of insurance plans for individuals, schools, business owners, and even the Ministry of Education, ranging from health, personal accident, life, savings, investments, premier, car, motorbike, travel, overseas studies, home, maid, golfer's, personal mobility, group insurance for employees, group personal accident for students or childcare centres, and more.
NTUC Enhanced IncomeShield is an Integrated Shield Plan offered by NTUC Income. There are 4 different plan types to choose from, namely the Preferred, Advantage, Basic and the NTUC IncomeShield Standard. With generally lower than average premiums and an annual coverage limit of up to S$1,500,000, the NTUC Enhanced IncomeShield is a value-for-money option you can consider. Besides coverage for hospitalisation and surgery, there are extra benefits such as coverage for outpatient radiotherapy, chemotherapy, immunotherapy, pregnancy and childbirth complications, post-mastectomy breast reconstruction, and more.
|NTUC IncomeShield Plans||Hospital Wards||Annual Coverage Limits|
|NTUC IncomeShield Standard Plan||Restructured hospital for ward class B1 and below||S$150,000|
|NTUC Enhanced IncomeShield Preferred||Standard room in private hospital or private medical institution||S$1,500,000|
|NTUC Enhanced IncomeShield Advantage||Restructured hospital for ward class A and below||S$500,000|
|NTUC Enhanced IncomeShield Basic||Restructured hospital for ward class B1 and below||S$250,000|
Under the NTUC IncomeShield plan, there are 2 types of riders available (Deluxe Care and Classic Care). These riders are optional add-ons to your Integrated Shield Plan, and serve to help you to further reduce the out-of-pocket cash payments you have to fork out.
|NTUC Enhanced IncomeShield Benefits||Exclusions|
|"As Charged" coverage||Although the policy states that your hospitalisation costs will be covered fully aka "As Charged", do note that reimbursement of eligible hospitalisation costs are subject to deductible, co-insurance, admission of ward class, and benefit limits etc.|
|Pre- and Post-Hospitalisation treatments||Do note that your pre- and post-hospitalisation treatment benefits will not be in effect if you have utilised your inpatient psychiatric treatment benefit, accident inpatient dental treatment, emergency overseas treatment, or have stayed in a short-stay ward.|
|Pre- and Post-Hospitalisation treatments||To qualify for the 180 days pre- and 365 days post-hospitalisation treatment coverage benefit, do note that you will need to have your inpatient hospital treatment approved and settled by your NTUC Enhanced IncomeShield Preferred plan first.|
|Community Hospital||To qualify for a claim in a community hospital, do note that you must first have had inpatient hospital treatment in a restructured hospital or private hospital or been referred by your doctor in writing from the emergency department of a restructured hospital, and directly admitted to the community hospital upon discharge.|
|Breast Reconstruction after Mastectomy||To qualify for an eligible claim for a post-mastectomy breast reconstruction surgery, your breast reconstruction must be performed by a registered medical practitioner during a stay in hospital within 365 days from your hospitalisation discharge.|
|Pregnancy Complications||Do note that the pregnancy complications benefit only covers the following conditions: ectopic pregnancy, eclampsia, disseminated intravascular coagulation (DIC), miscarriage as a result of a sudden unexpected and involuntary event, ending a pregnancy if an obstetrician considers it necessary to save your life, acute fatty liver diagnosed during pregnancy, postpartum haemorrhage with hysterectomy done, amniotic fluid embolism, placenta abruption, choriocarcinoma and hydatidiform mole, histologically confirmed choriocarcinoma or molar pregnancy, placenta previa, and antepartum haemorrhage.|
NTUC Enhanced Income Shield Plan is an Integrated Shield Plan (IP) to supplement the coverage you have from your MediShield Life plan provided by the Ministry of Health. NTUC Enhanced IncomeShield increases your MediShield policy's yearly claimable amount from S$100,000 to S$1.5 million, offers you full "As Charged" coverage for hospitalisation, wards, Intensive Care Unit (ICU), surgeries, pregnancy and delivery-related treatments, and outpatient cancer, kidney dialysis, pre- and post-hospitalisation treatments related to your hospitalisation stay. There are 3 types of NTUC Enhanced IncomeShield plans – namely the Preferred for rooms in private hospitals and below, Advantage for wards class A in public hospitals and below, and Basic for wards class B1 in public hospitals and below. You can pay for your premiums with MediSave.