Eligibility Only applicants that satisfy the following criterias are eligible to apply for NTUC Income Enhanced IncomeShield cover and the add-on Riders The product is suitable for all individuals who are looking for protection against rising healthcare costs.
Entry Age: years at next birthday. Plan is available for renewal above age Charges Please speak to our Relationship Managers for more information on the premiums charged. How to Apply Walk in to any of our branches to talk to our Relationship Managers. Trending Products. Loans Talk to us about loans.
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Your contact number required. Your email address required. Anything else you like us to know? Compare across all Integrated Shield Plans and riders! Would you prefer your hospitalisation and medical bills fully covered? Additional premium via cash will be required. Do you need a daily income during the period of hospitalisation? Would you wish to look into additional features and benefits? My current Integrated Shield Plan and rider if any is with:. This allows us to know if there are potential benefits from making any changes.
Payment alteration form. Declaration of continued insurability form. Injury Questionnaire. Medical History Questionnaire. Review of special terms form. List of medical institutions. IncomeShield reinstatement form. MediShield Life is a compulsory national health insurance for all Singapore Citizens and Permanent Residents providing better protection than MediShield. MediShield Life offers:. With lower or no government subsidies, treatments at higher class wards in public hospitals or private hospitals are more expensive.
This includes coverage for pre- and post-hospitalisation expenses, emergency overseas treatment, and the option to purchase riders to cover deductibles and co-insurance.
We encourage you to decide on a plan that meets your needs, taking into consideration your preferred ward class and level of benefits, and affordability of premiums over the long-term. Hence, you are not paying double premiums. Unlike MediShield Life, private insurers are unable to provide cover for pre-existing conditions. Riders are complementary products introduced by private insurers to cover the co-insurance and deductible portions of your bill when you make a claim under your Integrated Shield Plan IP.
Some riders also provide additional benefits e. As Riders are not Medisave-approved plans, policyholders will need to pay for them separately by cash. Deductible is the amount that you will need to pay first before any claim is payable. Co-insurance is the amount that you need to co-insure after the Deductible is met. This means that after you have been accepted, any change to your health status does not affect your current insurance coverage.
You can access our health coverage tool here to find out if your treatment is covered under your plan and get helpful information you need to file your claims.
All claims submitted are subjected to review in accordance with the terms and conditions of the policies. For existing IncomeShield policyholders, you can choose to upgrade your plan to enjoy better benefits at your convenience online. You will need to meet the entry requirements e. Any upgrade of plans will require underwriting. No, you will continue to enjoy cover up to the benefit limits of your previous plan for these medical conditions.
For your upgraded plan, you will be covered for any other medical conditions that you are not excluded from. No, upon approval of your upgrade application, we will issue you a new policy contract. The change will take effect on the start date indicated on your policy contract. Upon a request to upgrade your plan, the current policy will be terminated and a new set of policy document will be issued to you. Any unused premiums from the terminated policy will be refunded to you through your respective mode of payment.
We are using the same policy number for your new plan as it is essentially a conversion or upgrade of plan. This will make it easier for you to remember your policy number. If you wish to upgrade to a higher plan after your first upgrade, you can do so after 40 days from the start date of your upgraded plan. The refund of your pro-rated premium for your previous plan can only be processed after CPF Board confirms on the activation of your upgraded plan.
Furthermore, refunds are processed in batches. Therefore, your refund for your previous plan and your premium deduction for your upgraded plan may not coincide. Each insured person is issued an individual insurance policy. Therefore, each upgrade is processed independently and may result in a time difference when receiving your policy contracts.
Yes, you can. However, you cannot purchase two Daily Cash Riders under one insured person. Additional exclusions under the Riders will be specified under the Rider contract. You must be hospitalised for at least 48 hours in order to claim for the get-well benefit. You must also survive the hospitalisation.
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