Income IncomeShield Integrated Shield Plan
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Summary
Income Integrated Shield Plan Review 2024
Income has one of the most affordable Integrated Shield Plans for non-private hospital plans. Across Class A, Class B and Standard IP, Income is almost consistently priced below market average within the age groups of 25 to 45 years old. Here are Income Integrated Shield Plans' best features:
- IncomeShield is an Integrated Shield Plan (IP), which is additional coverage on top of one's MediShield Life. IPs are partially payable by Medisave.
- 4 tiers of, ranging from cheapest to the most premium:
- IncomeShield Standard Plan
- Enhanced IncomeShield Basic (Class B1)
- Enhanced IncomeShield Advantage (Class A)
- Enhanced IncomeShield Preferred (Private Hospital) - Lifetime coverage
- Policy yearly limit from S$250,000 to S$1,500,000 (excluding Standard Plan)
- Enhanced Income Shields offer almost entirely as charged covers on eligible treatments, up to a limit
- Access to more than 300 private medical specialists across various specialties and sub-specialties
- Provision of Letter of Guarantee that waives deposits required by hospital admissions
- Affordable and Flexible plans
- With easy application and claims process as attested by our Seedly Reviewers
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Summary
Income Integrated Shield Plan Review 2024
Income has one of the most affordable Integrated Shield Plans for non-private hospital plans. Across Class A, Class B and Standard IP, Income is almost consistently priced below market average within the age groups of 25 to 45 years old. Here are Income Integrated Shield Plans' best features:
- IncomeShield is an Integrated Shield Plan (IP), which is additional coverage on top of one's MediShield Life. IPs are partially payable by Medisave.
- 4 tiers of, ranging from cheapest to the most premium:
- IncomeShield Standard Plan
- Enhanced IncomeShield Basic (Class B1)
- Enhanced IncomeShield Advantage (Class A)
- Enhanced IncomeShield Preferred (Private Hospital) - Lifetime coverage
- Policy yearly limit from S$250,000 to S$1,500,000 (excluding Standard Plan)
- Enhanced Income Shields offer almost entirely as charged covers on eligible treatments, up to a limit
- Access to more than 300 private medical specialists across various specialties and sub-specialties
- Provision of Letter of Guarantee that waives deposits required by hospital admissions
- Affordable and Flexible plans
- With easy application and claims process as attested by our Seedly Reviewers
Plans (4)
NTUC Income IncomeShield Integrated Shield Plan Preferred
$1,500,000
LIMIT PER POLICY YEAR
180 / 365 days
PRE & POST HOSPITAL
As Charged
OUTPATIENT BENEFITS
Private Hospital
WARD ENTITLEMENT
4.4
310 Reviews
Service Rating
Ease of Claim
Agent Reliability
Application Process
High to Low
22 Jul 2020
Purchased
NTUC Income IncomeShield Integrated Shield Plan Preferred
[Customer Service] The ntuc income app has allowed the payment process and claims to be more convenient and comprehensive0
What are your thoughts?Posted 5d ago
Purchased
NTUC Income IncomeShield Integrated Shield Plan Preferred
I feel very safe again to invest my Bitcoin for I have found a platform that I can trust for the first time in a while. Severally trading with fake platform, I feel so happy and felt i must recommend and share my success story with Mrs Maria Renee is the best account manager. As I earn at the comfort of my home of $12,500 at the period of 7days of Mining and trading in my wallet. investing in these platform has really changed my family status, I truly recommend her to trade for each and every one who have plan to invest in their self and future to earn good profit.... If you are interested reach her and you will testify. You can reach her Via WhatsApp:+1 443-561-45980
What are your thoughts?Posted 8d ago
Purchased
NTUC Income IncomeShield Integrated Shield Plan Preferred
Hello everyone, I am only doing this now because this was exactly how I saw a recommendation post about Mrs Maria Renee and decided to risk it again. She has been fantastic with his trading and he has so far been able to help me recover my previous lost, i and my family are forever grateful to her, thanks for your help and will keep praising and recommending you. Anyone interested in Cryptocurrency trading should dm her or send her a message on her WhatsApp to get started, Her WhatsApp number+1 443-561-45980
What are your thoughts?Posted 9d ago
Purchased
NTUC Income IncomeShield Integrated Shield Plan Preferred
Woww!!!... i can not keep this great joy in my heart anymore I am still looking at my bank account with amazement. I traded with $1000 and got my withdrawal of $9600 in binary trading and mrs Maria Renee is my trading expert. she's a legit broker and 💯 trusted. Her platform is legit and secured. I never believed receiving my profit until it hit my bank account. I must say she is the first expert to pay me profit. I will forever be grateful to you ma because you stood to your words. Contact her via. WhatsApp: +1 443-561-45980
What are your thoughts?Posted 12d ago
Purchased
NTUC Income IncomeShield Integrated Shield Plan Preferred
Mrs Maria Renee made the impossible possible! Recovering $377,582 seemed like a distant dream, but her expertise turned that dream into reality and always helping me on my trade I made good profit. I highly recommend her service inbox privately on whatsapp+1 443-561-45980
What are your thoughts?Posted 03 Feb 2025
Purchased
NTUC Income IncomeShield Integrated Shield Plan Preferred
[Agent Responsiveness] The first agent that contacted me have help me to relief the hospital bill many years later after 2012. thereafter agent did not provide any after sales service or support till today 2025 Feb . [Insurance Coverage] so far well covered especially for my hospitalization between 2012 to present day 2025 and incurring only about 25% of the bill in present day economy and mutation of covid-19 or related virus [Claims Process] [Claims Documents] Both are inter-linked and convenient and user-friendly during admission to Singapore Government Hospitals or can get assistance from income building staff .0
What are your thoughts?Posted 13 Dec 2024
Purchased
NTUC Income IncomeShield Integrated Shield Plan Preferred
good value as the coverage is quite good overall good plan as compared to similar plans on the market. Application is fuss free easy0
What are your thoughts?Posted 16 Sep 2024
Purchased
NTUC Income IncomeShield Integrated Shield Plan Preferred
Affordable and right product for me and my family. Have bought many plans from Income Insurance and worth the money spent.0
What are your thoughts?Posted 30 Jun 2024
Purchased
NTUC Income IncomeShield Integrated Shield Plan Preferred
I am using this plan as per recommendation from my agent. My agent has did comparison between several companies and tell me on the different.2
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View 1 repliesPosted 20 Jun 2024
Purchased
NTUC Income IncomeShield Integrated Shield Plan Preferred
Most affordable private health insurance in the whole of Singapore (huge upside), and given that their coverage is on-par or even better than other insurers, no reason to spend more money on other insurers when this will do just the trick.. Personally, I have also heard many good reviews on NTUC customer service and claims process (word of mouth), and they strike me as a reliable company and brand. It is also a well known brand and company locally. Policy documents are also extremely easy to understand. I signed up myself online without the need for an insurance agent and the English used in the policy documents were extremely clear without excessive use of jargon. I was originally on their Advantage Plan (which covers up to ward A) and decided to upgrade. I have had conditions in the past (many years ago), and NTUC income was the only company that saw my application and documents objectively and accepted my application AND upgrade WITHOUT any exclusions.1
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Types of IncomeShield Health Insurance Plans at a Glance
Preferred | Advantage | Basic | Standard | |
|---|---|---|---|---|
Policy Yearly Limit | S$1,500,000 | S$500,000 | S$250,000 | S$150,000 |
Ward Entitlement | Standard room in private hospital or private medical institution | Restructured hospital for ward class A and below | Restructured hospital for ward class B1 and below | Ward Class B1 and below |
Eligibility | last entry age is 75 (based on the insured's age next birthday). | last entry age is 75 (based on the insured's age next birthday). | last entry age is 75 (based on the insured's age next birthday). | no limit |
All Standard Integrated Shield plans across all insurers have the exact same coverage.
What's different would be the tiers above the Standard plans and for Income, these tiers are the Enhanced IncomeShield.
Enhanced IncomeShield has 3 tiers of plans, from the most expensive to the cheapest:
- Preferred - Offers a solid S$1,500,000 of policy year limit, with a private hospital standard ward entitlement
- Advantage - policy year limit of S$500,000, with a ward entitlement of class A wards and below at restructured public hospitals
- Basic - policy year limit of S$250,000, with a ward entitlement of class B1 wards and below at restructured public hospitals
What does Income Enhanced IncomeShield Cover?
Take a look at what the non-standard Income IP plans cover:
Coverage | Enhance IncomeShield Preferred | Enhance IncomeShield Advantage | Enhance IncomeShield Basic |
|---|---|---|---|
Ward Entitlement | Standard room in private hospital or private medical institution | Restructured hospital for ward class A and below | Restructured hospital for ward class B1 and below |
Inpatient Treatments & Day Surgery | ✓ As charged | ✓ As charged | ✓ As charged |
Pre and Post Hospitalisation Benefit | ✓ As charged | ✓ As charged | ✓ As charged |
Outpatient Treatment | ✓ As charged | ✓ As charged | ✓ As charged |
Major Organ Transplant
| ✓ As charged
| ✓ As charged
| ✓ As charged
|
Emergency Overseas Medical Treatment | As charged but limited to costs of Singapore private hospitals | As charged but limited to costs of ward class A in Singapore restructured hospitals | As charged but limited to costs of ward class B1 in Singapore restructured hospitals |
Enhanced IncomeShield also covers Autologous Bone Marrow Transplant for Multiple Myeloma
- Preferred: as charged up to S$25,000 per policy year
- Advantage: as charged up to S$25,000 per policy year
- Basic: as charged up to S$10,000 per policy year
Additional Riders for IncomeShield:
Deluxe Care:
- Keeps out-of-pocket expenses on hospital bills as low as possible.
- Treatment provided by panel: up to S$3,000
Treatment not provided by panel: no limit - You can also enjoy zero additional non-panel payment (each policy year) even if the treatment for your stay in the hospital is not provided by Income chosen panel
- Receive up to $80 per day (maximum of 10 days per hospital stay) to pay for an extra bed for you to sleep over if your insured child gets warded.
Classic Care Rider:
- Co-pay only 10% of the claimable amount to Keep your hospital bills by panel specialists cheaper.
- Treatment provided by panel: up to S$3,000
Treatment not provided by panel: no limit - Required to pay up to $2,000 additional non-panel payment (each policy year) if the treatment for your hospital stay was not provided insurer's panel.
- Receive up to $80 per day (maximum of 10 days per hospital stay) to pay for an extra bed for you to sleep over if your insured child gets warded.
* The last entry age for riders is 75 years old.
How much does Integrated Shield Plan, Enhanced IncomeShield Cost?
These are the premiums for Enhanced IncomeShield across 3 age groups. Assuming a status of Singapore Citizen or Permanent Resident
Age next birthday | Preferred | Advantage | Basic | Basic (Permanent Resident) |
|---|---|---|---|---|
21 to 30 | $255 | $71 | $57 | $62 |
31 to 35 | $375 | $104 | $71 | $81 |
36 to 40 | $392 | $128 | $81 | $99 |
41 to 45 | $648 | $212 | $123 | $151 |
How does Enhanced IncomeShield Compare with Other Integrated Shield Plans?
According to our calculations across 3 chosen age groups, IncomeShield is one of the most affordable Integrated Shield Plans for Class A, Class B, and Standard IP.
At age 25 to 35, Enhanced IncomeShield is priced below average for Class A and Class B and Standard IP. Thus, if your age next birthday is within 25 to 35 years old, you can definitely consider Enhanced IncomeShield for their affordability across 3 different tiers of plans.
Note that the pricing system for Income's IP is different - Singaporean Citizens are charged lesser than Permanent Residents for Class B plans. At Age 45, the premium for permanent residents is above average. Hence PR applicants might want to be wary of this.
If you're looking for a Private Hospital IP, you should look somewhere else as Enhanced IncomeShield has one of the most expensive premiums for Private Hospital wards evidenced from the comparison chart below.
Apply for Income Integrated Shield Plan
Visit Income's website for a quick quote, and more details on the plan and exclusions
About Income
Income is the only insurance co-operative in Singapore. Established in 1970 to make essential insurance accessible to all Singaporeans, Income is now the leading composite insurer in Singapore offering life, health and general insurance. As a social enterprise, Income has also pushed out initiatives such as Income Family Micro-Insurance and Savings Scheme, Special Care, Orange Aid and more.
Contact us at [email protected] should you require any assistance or spot any inaccuracies
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