NTUC Income Deluxe Care Rider Review

With NTUC Income Deluxe Care Rider, you only co-pay 5% of the total claimable amount. Your out-of-pocket expenses are also capped at S$3,000 per policy year.

NTUC Income Deluxe Care Rider product details

We rated NTUC Income Enhanced Income Shield and Deluxe Care Rider as best in affordability, refer to our 3 Best Integrated Shield Plans And Riders In Singapore (2023 Edition) for the detailed write-up.

• Non-participating policy – Integrated Shield Plan Rider
• An add-on to your NTUC Income IncomeShield plan
• You pay only 5% of the co-payment of the claimable amount (capped at S$3,000 per policy year)
• If the life assured is a child, one parent will be accommodated up to S$80 per day (10 days max)

Read About: Integrated Shield Plan: How does it work?

Read About: Integrated Shield Plan: 4 things you should be aware of

Features of NTUC Income Deluxe Care Rider at a glance

Based on the option with the highest coverage, NTUC Income Deluxe Care Rider 

Inpatient hospital treatment

• Emergency overseas treatment: As charged, limited to costs of Singapore private hospitals
• Planned overseas treatment: N.A.
• Pre-hospitalisation treatment: Up to 180 days
• Post-hospitalisation treatment: Up to 365 days
• Waive hospitalisation deposits with Letter of Guarantee

Outpatient hospital treatment

• Chemotherapy for cancer: As charged
• Immunotherapy for cancer: As charged
• Renal dialysis: As charged
• Post-hospitalisation follow-up TCM treatment: N.A.

Unique Benefits

• N.A.

*IMPORTANT* NTUC Income Deluxe Care Rider is an add-on to NTUC Income Enhance Income Shield (Integrated Shield Plan). The rider cannot be purchased without the basic Integrated Shield Plan.

Read About: No budget for financial planning?

Read About: 3 Best Integrated Shield Plans and riders (2023 Edition) *Updated*

NTUC Income Deluxe Care Rider may be suitable if you are looking for

NTUC Income Deluxe Care Rider may potentially be a good fit if the following matters to you:

• Hospitalisation and medical insurance coverage
• Integrated Shield Plan or Integrated Shield Plan riders
• Reducing hospitalisation and medical expenses
• Paying premium using MediSave Funds

NTUC Income Deluxe Care Rider may not be suitable if you are looking for

NTUC Income Deluxe Care Rider may potentially be a bad fit if the following matters to you:

• Surrender value, Integrated Shield Plan and/or Integrated Shield Plan riders have no cash value

What is the annual premium for NTUC Income Integrated Shield Plan and rider based on my age?

Refer to the table below for the premium table for NTUC Income Enhanced Advantage Shield and NTUC Income Deluxe Care Rider.

Refer to our FAQs On Integrated Shield Plan And Riders for everything you need to know about upgrading your MediShield hospitalisation and medical treatment coverages.

Further considerations on NTUC Income Deluxe Care Rider

• How much will NTUC Income or NTUC Income Deluxe Care Rider premium increase as I age?
• How does NTUC Income Deluxe Care Rider compare with Integrated Shield Plan and/ or Integrated Shield Plan riders from other insurance companies?
• Can NTUC Income Deluxe Care Rider fulfill my financial insurance, health and protection needs?

The above information may not fully highlight all the product details and features on NTUC Income Deluxe Care Rider. Talk to us or seek advice from a financial adviser before making any decision about NTUC Income Deluxe Care Rider.

Compare across all Integrated Shield Plans and riders!

Compare before you commit so you don’t have to regret later on. Depending on your medical and hospitalisation needs, the premium payable differs across insurers. Why pay more for what you do not need or short-charge on features and benefits by paying a little more?

Get exactly what you need for your MediShield LIFE upgrade by using our Integrated Shield Plans and rider comparison platform. Go on, its 100% free!

Is NTUC Income Deluxe Care Rider suitable for me?

Contact InterestGuru using the form below. Our panel of licensed financial advisers will advise accordingly, based on your financial profile and protection needs.

All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.

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Before you go...

NTUC Income Deluxe Care Rider may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.

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