NTUC Income Enhanced Income Shield Review

The complete Pros and Cons on NTUC Income Enhanced Income Shield

NTUC Income Enhanced Income Shield 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
  • A medical insurance plan that covers hospital and surgical expenses and can be paid with your Medisave account
  • Reimburse you the eligible medical-related services expenses incurred including surgical procedures, organ transplants and intensive care unit expenses
  • Reimburse you the medical expenses incurred for chemotherapy and radiotherapy for cancer, renal dialysis and drugs approved under MediShield Life for chronic renal failure or organ transplant
  • Reimburse you the pre- and post-hospitalisation expenses incurred for eligible medical treatment, up to 180 days before admission and 365 days after discharge respectively
  • Reimburse you the emergency inpatient hospital treatment expenses incurred while overseas
  • Reimburse you the eligible hospitalisation cost you have incurred, subject to deductible, co-insurance, admission of ward class and any other terms (including exclusions)
  • With a Letter of Guarantee, hospital admission is made easier as you do not need to pay for hospital deposits

Read AboutIntegrated Shield Plan: How does it work?

Read AboutIntegrated Shield Plan: 4 things you should be aware of

Features of NTUC Income Enhanced Income Shield at a glance

Key benefits and features

Based on the option with the highest coverage, NTUC Income Enhance Income Shield (Preferred)

Inpatient hospital treatment

  • Emergency overseas treatment: As charged, limited to costs of Singapore private hospitals
  • Planned overseas treatment: Not covered
  • Pre-hospitalisation treatment: Up to 180 days
  • Post-hospitalisation treatment: Up to 365 days

Outpatient hospital treatment

  • Chemotherapy for cancer: As charged
  • Immunotherapy for cancer: As charged
  • Renal dialysis: As charged
  • Post-hospitalisation follow-up TCM treatment: Not covered

Unique Benefits

  • N.A.

Note: NTUC Income Enhance Income Shield (Preferred) does not cover Co-insurance (Up to S$3,500) and Deductible (10% of the claimable amount).

*IMPORTANT* An additional Deluxe Care Rider (Integrated Shield Plan rider) has to be purchased for further coverage on Co-insurance and Deductible.

For further information and details, refer to NTUC Income website. Alternatively, fill-up the form below and let us advise accordingly.

Read AboutNo budget for financial planning?

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

NTUC Income Enhanced Income Shield may be suitable if you are looking for

NTUC Income Enhanced Income Shield 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
  • Daily hospitalisation income with an Integrated Shield Plan rider

NTUC Income Enhanced Income Shield may not be suitable if you are looking for

NTUC Income Enhanced Income Shield 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 IncomeShield Advantage and NTUC Income Deluxe Care Rider.

AgeNTUC Income Advantage Shield
(Actual Premium/ Nett premium payable after using MediSAVE)
NTUC Income Deluxe Care Rider
(Premium for rider must be fully paid by cash)
1S$29/ S$0S$171
6S$29/ S$0S$171
11S$29/ S$0S$171
16S$29/ S$0S$171
21S$44/ S$0S$197
26S$44/ S$0S$197
31S$83/ S$0S$212
36S$106/ S$0S$217
41S$201/ S$0S$327
46S$212/ S$0S$346
51S$333/ S$0S$466
56S$369/ S$0S$532
61S$589/ S$0S$753
66S$902/ S$302S$997
71S$1,286/ S$386S$1,245
New application or switching of Integrated Shield Plan/ rider is not allowed after age 75.
76S$1,862/ S$962S$1,549
81S$2,232/ S$1,332S$1,994
86S$2,836/ S$1,936S$2,379
91S$3,472/ S$2,572S$2,907
96S$4,232/ S$3,332S$3,364

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 Enhanced Income Shield

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

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

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?

compare integrated Shield Plans

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 Enhanced Income Shield 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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    Integrated Shield Plan/ Rider selector

    Just 5 simple questions to get you the most suitable Integrated Shield Plan/ Rider, based on your required medical and hospitalisation requirements.

    In the event of hospitalistion/ illness, where would you like to seek treatment?

    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?
    (Additional premium via cash will be required.)

    Would you wish to look into additional features and benefits?
    (Additional premium via cash will be required.)

    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.)

    Your basic details for us to get quotes based on your profile.

    How do we address you?


    Your Date of Birth in Day/Month/Year format:


    We can reach you at:


    Your email address:


    Anything else you like us to know? (Optional)


    Before you go...
    NTUC Income Enhanced Income Shield 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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