Covers COVID-19
NTUC Enhanced IncomeShield Preferred is available for foreigners who are neither Singaporeans nor Permanent Residents (PRs). Benefits of the insurance include full coverage for private hospitalisation, pre- and post-hospitalisation treatments, access to over 300 panel clinics, and more.
S$1,500,000
Max. Annual Coverage Limit
180 days
Pre-Hospitalisation Benefit
365 days
Post-Hospitalisation Benefit

Quick Facts

Pros

Premiums can be paid via MediSave of a family member who is a Singaporean or Permanent Resident (PR); full coverage for wards, ICU, MediShield-approved surgeries, pre- and post-hospitalisation treatments, outpatient cancer and kidney dialysis treatments, and more

Limitations

All benefits such as pre-, post-hospitalisation treatment coverage, community hospital stay, post-mastectomy breast reconstruction has to be related to your hospitalisation and you have to be referred by your doctor

How To Maximise This Plan

Opt for the Deluxe Care rider to lower your co-insurance payment from 10% to 5% (capped at S$3,000) and to avoid any penalties for visiting a non-NTUC panel clinic

Claims Process

2 ways – electronically via your hospital of choice or manually download a claims form from the NTUC website and submit in person to any NTUC Income branch

Premiums

Premiums start from S$450 for ages 21 to 30, S$685 for ages 31 to 35, S$702 for ages 36 to 40, S$1,083 for ages 41 to 45, and so on for Preferred; can be paid by Singaporean or PR family member’s MediSave

Any Riders Available

2 riders available – Deluxe Care to lower co-pay to 5%, no additional payment for non-panel clinics, and S$80 per day for additional bed in ward; Classic Care for additional S$2,000 coverage for non-panel clinics, and S$80 for additional bed in ward

All Details

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