NTUC Health Insurance
NTUC income provides several health or medical insurance plan as below:
- IncomeShield
- Enhanced IncomeShield
- IncomeShield M Plans
- ElderShield
- PrimeShield
- Managed Healthcare Scheme
Among all of them, the most popular NTUC health and medical insurance plan is Enhanced IncomeShield plan which covers hospitalisation, surgery and certain outpatient treatments. This health and medical insurance plan takes care of your hospital and surgical expenses while you focus on your health and recovery.
60% of Singaporeans buy private hospitals insurance on top of MediShield Life. Why?
- Automatically covers all Singaporeans and permanent residents
- Protects you for life
- Premiums fully paid with MediSave
- Helps pay for treatment at Public Hospital B2 and C2 wards with 6-9 patients
Better control
- Shorter waiting time for non-life threatening conditions
- Choose your own doctor
Better coverage
- Add-ons to reduce deductible and co-insurance
- As-charged cover for most benefits so you will not be restricted by MediShield Life limits
- Cover for a period of consultation before and after hospitalisation
Greater comfort
- Choice to go to a private hospital (generally felt to be more comfortable)
- Get air-conditioning
- Get a 1-bedded room for more privacy, space and comfort
MediShield Life
MediShield Life is a national health insurance scheme for all Singapore Citizens and Permanent Residents, providing better protection than MediShield.
Enhanced IncomeShield is an Integrated Shield Plan which consists of two parts – the MediShield Life portion and an additional private insurance coverage portion.
If you are covered under Enhanced IncomeShield, you will enjoy the combined benefits of MediShield Life, which is administered by the Central Provident Fund Board, and the enhanced benefits of the additional private insurance coverage portion, which is provided by Income.
What it covers
We reimburse you the eligible medical-related services expenses incurred including surgical procedures, organ transplants and intensive care unit expenses.
We reimburse you the medical expenses incurred for chemotherapy and radiotherapy for cancer, renal dialysis and drugs approved under MediShield Life for chronic renal failure or organ transplant.
We reimburse you the pre- and post- hospitalisation expenses incurred for eligible medical treatment, up to 90 days before admission and 90 days after discharge respectively.
We also reimburse you the emergency inpatient hospital treatment expenses incurred while overseas.
Enhance your coverage
With Plus Rider, you can receive higher coverage. You will not have to pay deductible and co-insurance. If you stay in a ward that is lower than your entitled ward, you will receive a daily hospital cash benefit.
With Assist Rider, you do not need to pay deductible or co-insurance. You only need to pay 10% of the claimable amount, subject to a maximum co-payment each policy year. If you stay in a ward that is lower than your entitled ward, you will receive a daily hospital cash benefit.
Provides you with additional cash benefit for each day you are hospitalised, and a get-well benefit upon your discharge.
Your child is insured for up to $20,000 for various covered child-related illnesses until they reach 25 years old.
As Independent Financial Consultants, we provide insurance plans from most of insurance companies. We list several popular health insurance plans from different insurance company for your comparison as below:
- AIA Health Insurance
- NTUC Health Insurance
- AVIVA Health Insurance
- Great Eastern Health Insurance
- Prudential Health Insurance
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