NTUC Income IncomeShield Integrated Shield Plan
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Summary
NTUC Income Integrated Shield Plan Review 2021
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
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
288 Reviews
- 15 Jul 2020
Purchased
NTUC Income IncomeShield Integrated Shield Plan Preferred
To me, getting sick or having an injury is already stressful enough. I would definitely want an insurance to work for me instead of making myself fit into their plan. NTUC income has the most affordable plan with high coverage that is taking away any added stress. Claim process is easy, but if you have any questions just call up to your agent or customer service team, they have the sufficient knowledge to get your questions answered.0
What are your thoughts? - Posted 13h ago
Purchased
NTUC Income IncomeShield Integrated Shield Plan Preferred
The claim process was horribly slow. It took more than 1 year from me to claim from my insurance. Application was really fast initially but the claiming process is disappointing.0
What are your thoughts? - Basic insurance and hospitalization cover that is not sufficient for anyone that's looking for more specialized coverage cater to one's need. Lengthy claim period which might be disastrous for people who have low cash flow.
0
What are your thoughts? - [Claims Process] Submitted hospitalization claim on 16 sept till today 12 Nov still no conclusion. I had to check with the hospital on my own and hospital said they already provided whatsoever documents and no documents pending on their side. Last contact with NTUC was on 6th Oct. Either someone is not doing their job or NTUC is unable to in fact process claims within 14 working days. [Agent Responsiveness] Agent is utterly useless and non existent with no empathy. When I had to check for claims advice she screenshot my policy and said I should know my own condition whether it is claimable or not and left me at it. Hospitalization claim she asked me to do it my own. There was an issue with my premium as well due to her lack of urgency to inform relevant NTUC parties on my change in policy number. I had to walk in to NTUC branch office and resolve it on my own as well causing me a lot of inconvenience and had to pay my large premium 1 more time and wait for a refund for the wrong policy. After I requested to change agent, new agent is not helpful either. Asked her to follow up on the claim but non existent and no results.
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What are your thoughts? - Support income, non profit organisation, which will help to keep premiums low in the long term. claims was easy, mostly online.
1
What are your thoughts?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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- 20 May 2021
Purchased
NTUC Income IncomeShield Integrated Shield Plan Preferred
[Claims Process] Had a surgery done on the 28th of October 2020, discharged a week later and proceeded to submit pre hospitalisation claims. Only today, 20th May 2021, have i gotten confirmation regarding my claim for my hospitalisation. My specialist was not in the panel, but still, it took them almost 7 months to approve my claim. Whoever was the officer in charge of the claim was very inefficient, They kept sending letters to my specialist to the wrong address, they take forever to send them an email, keep screwing up between surgeon and anesthesiologist, I had to call every few days, every week and every other week to check that progress is being done, but its always stuck and not moving. I had my pre and post hospitalisation bills stuck because of this.0
What are your thoughts? - 06 May 2021
Purchased
NTUC Income IncomeShield Integrated Shield Plan Preferred
[Insurance Coverage] Love Income's health insurance coverage! Would definitely recommend it to anyone who wants the best coverage in SG.0
What are your thoughts? - IMO, Income offers comprehensive coverage at affordable prices. Their default coverage is for the really common illnesses and you can top up for other optional coverage, thus lowering their premium. Unless you are someone who is risk averse and want to cover as much as possible, their default coverage is good enough.
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What are your thoughts? - they are just ok & basic (coverage), u have to hand in your documents yourself......nothing much to praise them, speed of response also just ok! the ONLY sad thing is they do not allow u to opt for a rider (later) esp knowing or suspecting u have some potential illness (however, having 1 particular illness would indicate that u might have Cancer or other illness A to Z!!! hence it is unfair to exclude us from getting a rider) Due to pro-ration, deductibles and etc, u may end up still paying the bills (using your own cpf) Good thing is they often spent considerable effort in editing the documents to make reading it very laymen! ELse? they are cheap and affordable for a good reason, hence u cannot expect MORE from them!!!!! : (
1
What are your thoughts?Updates: but not cheaper than GE!!! When comparing apple w apples, its coverage and benefits are still lesser than Ge
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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:
- 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 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 | ✓ 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 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.
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.
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.
Contact us at [email protected] should you require any assistance or spot any inaccuracies
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