NTUC Income IncomeShield Integrated Shield Plan
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Summary
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:
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
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NTUC Income IncomeShield Integrated Shield Plan Preferred
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NTUC Income IncomeShield Integrated Shield Plan Preferred
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Yes the premiums are very value for money for their rider. Here's a comparison table of its benefits https://plannerbee.co/best-integrated-shield-in...
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NTUC Income IncomeShield Integrated Shield Plan Preferred
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NTUC Income IncomeShield Integrated Shield Plan Preferred
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Updates: but not cheaper than GE!!! When comparing apple w apples, its coverage and benefits are still lesser than Ge
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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:
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 | ✓ 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
Deluxe Care:
Classic Care Rider:
* The last entry age for riders is 75 years old.
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 |
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.
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.
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.
Visit NTUC Income's website for a quick quote, and more details on the plan and exclusions
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.
Contact us at [email protected] should you require any assistance or spot any inaccuracies
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