NTUC Income Insurance

If you hold a NTUC Income Shield plan, do note that the NTUC IncomeShield policy has stopped accepting new applicants as of 2013, and will cease all renewals for current policyholders from 2019. NTUC Enhanced IncomeShield replaces the former NTUC IncomeShield plan.

NTUC Enhanced IncomeShield offers you an annual limit of up to S$1.5 million, full "As Charged" coverage for hospitalisation, wards, ICU, surgeries, and outpatient treatments related to your hospitalisation stay. You can pay for your premiums with MediSave.

If you hold a NTUC Enhanced IncomeShield or NTUC IncomeShield Standard plan, do note that there are over 300 preferred specialist panel clinics and doctors for your plan. To find a NTUC panel doctor or clinic, log on to the NTUC Income website to view the “IncomeShield Specialist Panel and Preferred Partners” list.

NTUC IncomeShield is NTUC Income's flagship Integrated Shield Plan (IP) meant to supplement your MediShield Life health insurance plan provided by Singapore's Ministry of Health if you are a Singaporean or Permanent Resident (PR). An IP serves to extend the existing medical and hospitalisation coverage offered by MediShield, such as the class of wards that you can be admitted, and higher annual claim limits for certain treatments, surgeries, chemotherapy, or transplants. Some IPs may also offer rider plans to lower your co-insurance (a mandatory portion you must legally pay) to the minimum 5% as mandated by the government. There are 3 types of NTUC IncomeShield currently – this NTUC IncomeShield which has since been phased out in 2013 for new applicants and in 2019 for renewals, NTUC Enhanced IncomeShield, and the NTUC Income Shield Standard Plan.

NTUC Enhanced IncomeShield is an Integrated Shield Plan (IP) which can be used to complement the coverage you have from your MediShield Life plan. 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, ICU, surgeries, and outpatient 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.

NTUC Enhanced IncomeShield is an Integrated Shield Plan (IP) which can be used to complement the coverage you have from your MediShield Life plan. NTUC Enhanced IncomeShield increases your MediShield policy's yearly claimable amount from S$100,000 to S$150,000, offers you partial reimbursement for hospitalisation, wards, ICU, surgeries, and outpatient treatments related to your hospitalisation stays in class B1 wards in public hospitals and below. You can pay for your premiums with MediSave.

If you hold a CareShield Life plan, you can choose to add the NTUC Income Care Secure policy to increase your lifetime coverage for any disabilities (loss of 2 or more Activities of Daily Living), a guaranteed payout of S$5,000 if you are disabled, a support benefit of up to 600%, and a lump-sum payout in the event of death. Premiums can be paid for using MediSave.

The NTUC Income ElderShield 400 offers you lifetime coverage against severe disability, S$400 monthly benefit in the event you have a severe disability (loss of 3 or more Activities of Daily Living), and monthly benefits for up to 72 months. Premiums can be paid using MediSave.

NTUC Income Hospital Care is an insurance plan offering you up to S$200 daily hospital cash benefit in the event of hospitalisation – COVID-19 included. In the event you are admitted into the Intensive Care Unit (ICU), you will receive up to S$600 per day instead. Other benefits include coverage for day surgeries, up to S$750 for emergency outpatient expenses for accidents, and up to S$500 for ambulance expenses.

The NTUC Income Managed Healthcare System offers you unlimited visits to NTUC Income panel General Practitioner (GP) clinics or polyclinics at a flat S$5 co-payment per visit. If your GP referred you to a NTUC Income panel specialist outpatient care clinic, you pay S$15 co-payment per visit. If you were to visit any emergency unit in any restructured public hospitals in Singapore, you will only need to co-pay S$10. For specialised investigations such as CT scans, MRI, or Barium Studies, you will have to co-pay 10% of the cost. This plan, however, has stopped accepting new applicants. Existing policyholders can continue to enjoy the benefits.

Similar to the previous NTUC Income Managed Healthcare System, the NTUC Income Managed Healthcare System – Outpatient Plan only covers outpatient visits to NTUC Income's panel of general practitioners and specialists, as well as emergency treatment expenses. This plan, however, has stopped accepting new applicants. Existing policyholders can continue to enjoy the benefits.

The NTUC Income MINDEF/ SAF – Portable Medical Insurance is a discounted health insurance scheme for MINDEF and SAF servicemen and their families, offering coverage for hospitalisation, surgery and selected outpatient treatments. Premiums can be paid by MediSave.

If you are a NTUC Basic ElderShield policyholder, the NTUC Income PrimeShield is meant to supplement your plan with enhanced long-term coverage against severe disability. Benefits include lifetime coverage against severe disability, guaranteed payout for life, monthly disability benefit of up to S$3,000 in the event you have a severe disability. Other benefits include lump-sum benefit, dependant care benefit, and get-well benefit, and a death benefit.

Do I need a health or personal accident insurance? While all Singaporeans and PRs have the MediShield Life health insurance, if your budget allows, you should extend your MediShield coverage with an IP like NTUC Enhanced IncomeShield first. If you have budget to spare, you can then add on a personal accident insurance to increase your medical coverage.

What is life insurance for? Life insurance often offers your family a lump-sum payout in the event of your death to alleviate any financial burdens that they might have to deal with – whether be it any of your mortgages, medical bills, liabilities, or even the loss of your source of income for the family. There are 2 common types of life insurance – whole life and term life. Whole life plans like the NTUC Star Assure, Star Prime Life etc. protects you for your entire life (or up to age 100). Term life like the Cancer Protect, iTerm, Family Protect etc. covers you for a fixed period – say only up to 75 years old for example.

If you have excess disposable income and are looking to grow your wealth, you might want to consider a savings or investment-linked plan (ILP). A savings plan like the NTUC Income Gro Capital Ease or Gro Saver allows you to stash your money with a fund, and usually guarantees you a return cash value. An investment-linked plan like the VivaLink or GrowthLink, however, invests your money into a sub-fund, bears an investment risk, and does not guarantee a return in cash value.

NTUC Income offers a premier suite of 4 insurance plans for its elite customers called the Solitaire Series such as the Legacy Solitaire, a whole life plan with terminal illness protection. Wealth Solitaire, on the other hand, covers you up to age 100, offering you cash payouts in the event of disability, and more.

If you intend to drive a car or ride a bike in Singapore, do note that all vehicles must have an insurance plan registered. NTUC Income's Drivo Car Insurance is a comprehensive plan covering third-party damages, damage to your own vehicle, personal accident benefits, and towing services. NTUC Income's Motorcycle Insurance, likewise, is a comprehensive insurance plan covering you for third-party and personal vehicle damage, death or bodily injury to third party, and towing.

If you are travelling again, NTUC Income Travel Insurance will not cover you for COVID-19 as it is a known healthcare risk – not even countries with special travel agreements or air bubbles with Singapore. However, you will nonetheless need travel insurance like the NTUC Income Standard or Enhanced PreX plans to cover you for not just your lost luggages, delayed flights, or cancelled bookings – the gist of travel insurance is the emergency overseas medical treatment and evacuation coverage for accidents and pre-existing conditions.

NTUC Income's Enhanced Home Insurance covers the actual building structure, your household items and personal belongings, renovated fixtures and fittings such as flooring, built-in wardrobes, and kitchen cabinets, and pipes against accidents, fire, theft, and even personal injury. NTUC Income's maid insurance covers your helper's hospitalisation, surgical, disability expenses, accidental death, and even offers wage compensation for hospitalisation.

If you are an avid golfer, NTUC Income offers a Golfer's Insurance to insure you against injuries, loss or damage of your golfing equipment, and any public liabilities that may have resulted from your golf game globally. If you are a HomeTeamNS member, you will enjoy lower premiums at S$46.01 per year and higher coverage. Other benefits include a hole-in-one celebratory food and drinks at your golf course premises of up to S$500.

If you or your child is embarking on his or her studies overseas, you may want to consider an Overseas Study Protection Plan offering 24-hour coverage against accidental death, permanent disability, and injuries. Other benefits include coverage for accidents as a result for snow-skiing, and motorcycling, travel and baggage delays, loss or damage to personal belongings, and emergency medical evacuation.

If you are a business owner, NTUC Income offers a customisable or standard commercial insurance to protect your business. You will find plans ranging from marine hulls and cargos, property fire, glass, theft or smallholder plans, work injury compensation, public liability, professional indemnity, medical indemnity, and more.

If you are a business owner or a Human Resource Office for a company looking for insurance plans for your employees' benefit, NTUC Income offers 8 types of employee insurance plans ranging from the Employees FlexCare, Foreign Workers Medical Insurance, Group Personal Accident, Group Term Life, I-MediCare, Prolonged Medical Leave Insurance for self-employed, Start.Sure, and a Group Personal Accident for Ministry of Education (MOE) Personnel.

NTUC Income offers group personal accident insurance plans for primary, secondary, and junior college school students in Singapore. Coverage includes death of up to S$50,000, permanent disablement, inpatient and outpatient medical treatments of up to S$13,000, funeral benefits, mobility aids, prosthesis, and implants of up to S$5,000, and daily local and overseas hospitalisation allowance.

Inpatient coverage covers expenses incurred during hospitalisation and surgery. Inpatient coverage by IncomeShield includes Daily Ward and Treatment Charges, ICU and Treatment Charges, Hospitalisation in a Community Hospital and Surgical Charges.

Outpatient coverage is for medical expenses incurred which do not require staying in the hospital. Some of the outpatient treatments covered by NTUC IncomeShield include Chemotherapy for cancer, Immunotherapy for cancer and Long term parenteral nutrition.

While the NTUC IncomeShield mainly covers hospitalisation and surgery in Singapore, it does have an Emergency Overseas Medical Treatment Benefit which covers for hospitalisation and surgery in other countries in the case of emergencies.

Pre-hospitalisation expenses are medical costs incurred by the insured before getting admitted in a hospital. NTUC IncomeShield covers medical expenses incurred as charged up to 180 days before hospitalisation for the preferred plan. The Advantage and Basic plan provide up to 100 days of pre hospitalisation benefit.

Post-hospitalisation expenses are medical costs incurred after discharge from the hospital. NTUC IncomeShield covers medical expenses incurred as charged up to 365 days after hospitalisation for the preferred plan. The Advantage and Basic plan provide up to 100 days of pre hospitalisation benefit.

NTUC IncomeShield also covers costs associated due to COVID-19 under the hospitalisation benefits. It also has Accidental Inpatient Dental Treatment Benefit as an additional benefit.

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