NTUC Income IncomeShield Health Insurance Reviews and Comparison - Seedly
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NTUC Income IncomeShield Health Insurance

  • Overview
  • Reviews (20)
  • Questions (0)
  • More Details

Plans (4)

Slide 1 of 4
  • Enhanced IncomeShield Preferred

    $1,500,000
    LIMIT PER POLICY YEAR
    180 / 365 days
    PRE & POST HOSPITAL
    As Charged
    OUTPATIENT BENEFITS
    Private Hospital
    WARD ENTITLEMENT
  • Enhanced IncomeShield Advantage

    $500,000
    LIMIT PER POLICY YEAR
    100 / 100 days
    PRE & POST HOSPITAL
    As Charged
    OUTPATIENT BENEFITS
    A Class and below
    WARD ENTITLEMENT
  • Enhanced IncomeShield Basic

    $250,000
    LIMIT PER POLICY YEAR
    100 / 100 days
    PRE & POST HOSPITAL
    As Charged
    OUTPATIENT BENEFITS
    B Class and below
    WARD ENTITLEMENT
  • IncomeShield Standard

    $150,000
    LIMIT PER POLICY YEAR
    N/A
    PRE & POST HOSPITAL
    As Charged
    OUTPATIENT BENEFITS
    B Class and below
    WARD ENTITLEMENT

    Enhanced IncomeShield Preferred

    $1,500,000
    LIMIT PER POLICY YEAR
    180 / 365 days
    PRE & POST HOSPITAL
    As Charged
    OUTPATIENT BENEFITS
    Private Hospital
    WARD ENTITLEMENT

Details

NTUC Income Integrated Shield Plan Review 2020

NTUC Income has one of the most affordable Integrated Shield Plans for non-private hospital plans. Across Class A, Class B and Standard IP, NTUC Income is almost consistently priced below market average within the age groups of 25 to 45 years old. Here are NTUC Income Integrated Shield Plans' best features:

  • NTUC 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
Read More about NTUC Income IncomeShield Health Insurance
Reviews (20)

4.7

20 Reviews

  • 5
    13
  • 4
    7
  • 3
    0
  • 2
    0
  • 1
    0

Read Review About...

Most HelpfulMost RecentLow to HighHigh to Low
  • Updated 2w ago

    Purchased

    Enhanced IncomeShield Preferred

    [Insurance Coverage] Coverage is good for the price and is relevant to Singapore Lifestyle. Highly recommended. [Claims Process] The claim process is easy and no issues. [Customer Service] Customer service is friendly and are willing to help the policy holders.
    0 comments
    0
  • Updated 2w ago

    Purchased

    Enhanced IncomeShield Preferred

    Reasonable price for health insurance. Agent has been serving me for more than 20 years. Will purchase again.
    0 comments
    0
  • Updated 2w ago

    Purchased

    Enhanced IncomeShield Preferred

    [Policy Changes] I have signed up for NTUC Income IncomeShield a long time ago and have been on the Preferred plan (highest tier) but given the recent revision in premiums and also myself moving up to the next age band, I decided to downgrade my plan to the next tier (Advantage). [Agent Responsiveness] The downgrade cannot be done online and can only be done through a form, I had to get my agent to help highlight those parts of the forms that needs to be filled, still quite manual. It was good that my agent was contactable to help. My agent also proactively reached out to me as my payment premium was approaching, which was appreciated. [Customer Service] As I was recently retrenched, in line with the government direction they offered a 6 months deferment of my policy premium due to retrenchment. The application for deferment was easy, I only had to send 1 email with supporting documents and it was smoothly done. They sent me an email afterwards to confirm my successful premium deferment. Although I have not done any claims before, overall it was a good experience with NTUC Income IncomeShield all these years, and I will continue my insurance with them.
    0 comments
    0
  • It is easy to purchase at the AMK branch, the agent is helpful and friendly. The purchase process is smoothiy.
    0 comments
    0
  • [Customer Service] I am really amazed with how helpful and friendly NTUC Income customer service...fast, accurate and helpful... [Claims Process] Claim without a single issue...
    0 comments
    0
Questions (0)
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Types of NTUC 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 NTUC Income, these tiers are the Enhanced IncomeShield.

Enhanced IncomeShield has 3 tiers of plans, from the most expensive to the cheapest:

  1. Preferred - Offers a solid S$1,500,000 of policy year limit, with a private hospital standard ward entitlement
  2. Advantage - policy year limit of S$500,000, with a ward entitlement of class A wards and below at restructured public hospitals
  3. Basic - policy year limit of S$250,000, with a ward entitlement of class B1 wards and below at restructured public hospitals

What does NTUC Income Enhanced IncomeShield Cover?

Take a look at what the non-standard NTUC 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
(including room and boarding, ICU, accident dental treatment etc)

✓ As charged

✓ As charged

✓ As charged

Pre and Post Hospitalisation Benefit

✓ As charged
Pre-hospitalisation: up to 180 days before admission
Post-hospitalisation: up to 365 days after admission

✓ As charged
up to 100 days before admission

✓ As charged
up to 100 days before admission

Outpatient Treatment
(includes Chemotherapy, Renal Dialysis etc)

✓ As charged

✓ As charged

✓ As charged

Major Organ Transplant

  • Living organ donor transplant (insured as donor)
  • Living organ donor transplant (insured as recipient)

✓ As charged

  • up to S$60,000
  • up to S$60,000

✓ As charged

  • up to S$40,000
  • up to MediShield Life benefit only

✓ As charged

  • up to S$20,000
  • up to MediShield Life benefit only

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

  1. Preferred: as charged up to S$25,000 per policy year
  2. Advantage: as charged up to S$25,000 per policy year
  3. Basic: as charged up to S$10,000 per policy year

Additional Riders for NTUC 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 NTUC 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 NTUC Integrated Shield Plan, Enhanced IncomeShield Cost?

These are the premiums for NTUC 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 NTUC Enhanced IncomeShield Compare with Other Integrated Shield Plans?

According to our calculations across 3 chosen age groups, NTUC IncomeShield is one of the most affordable Integrated Shield Plans for Class A, Class B, and Standard IP.

Standard Integrated Shield Plan Premiums for age 25 to 45

At age 25 to 35, NTUC 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 NTUC Enhanced IncomeShield for their affordability across 3 different tiers of plans.

Class A Ward Integrated Shield Plan Comparison

Note that the pricing system for NTUC 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 NTUC Enhanced IncomeShield has one of the most expensive premiums for Private Hospital wards evidenced from the comparison chart below.

Price comparison for Public Hospital Integrated Shield Plan at age 25-35

Apply for NTUC Income Integrated Shield Plan

Visit NTUC Income's website for a quick quote, and more details on the plan and exclusions

About NTUC Income

NTUC Income is the only insurance co-operative in Singapore. Established in 1970 to make essential insurance accessible to all Singaporeans, NTU Income is now the leading composite insurer in Singapore offering life, health and general insurance. As a social enterprise, NTUC Income has also pushed out initiatives such as Income Family Micro-Insurance and Savings Scheme, Special Care, Orange Aid and more.