Best Public Hospital Plans & Covers COVID-19
NTUC Enhanced IncomeShield is an Integrated Shield Plan health insurance to supplement your MediShield Life plan. Benefits include up to S$1.5 million annual claim limit for private and public hospitalisation, pre- and post-hospitalisation treatments, access to over 300 panel clinics, and more.
Max. Annual Coverage Limit
180 days
Pre-Hospitalisation Benefit
365 days
Post-Hospitalisation Benefit

Quick Facts


Lifetime coverage; as charged coverage for MediSave-approved surgeries, pre- and post-hospitalisation treatments, outpatient cancer and dialysis treatments; post-mastectomy breast reconstruction, and more


All pre-, post-hospitalisation, and other related benefits such as community hospitals, post-mastectomy breast reconstruction has to be related to your hospitalisation and referred by your doctor

How To Maximise This Plan

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

Claims Process

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 start from S$255 for ages 21 to 30, S$375 for ages 31 to 35, S$392 for ages 36 to 40, S$648 for ages 41 to 45, and so on for Preferred; can be paid by 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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