NTUC Income Plus! Protect Review

The Complete Pros and Cons on NTUC Income Plus! Protect

Only for OCBC/NTUC Plus! Visa cardholders, NTUC Income Plus! Protect covers you against Death, Total and Permanent Disability, and Terminal Illness with 2x the Sum Assured against Accidental Death.

NTUC Income Plus! Protect product details

  • Non-participating policy – Term policy
  • Only available to OCBC Plus! and NTUC Plus! Visa cardholders
  • Available rider to cover you against 29 critical illnesses
  • Insurance Coverage
    • Receive 100% of Sum Assured  against Death, Total and Permanent Disability, and Terminal Illness
    • Receive 200% of Sum Assured if the cause of death is Accidental
    • Receive a percentage of Sum Assured against Partial and Permanent Disability due to an accident

Read AboutTerm Policy: How does it work?

Read About3 things to consider before taking up a new financial product

Features of NTUC Income Plus! Protect at a glance

Cash and Cash Withdrawal Benefits

Cash value: No
Cash withdrawal benefits: No

Health and Insurance Coverage

Death: Yes
Total Permanent Disability: Yes
Terminal Illness: Yes
Critical Illness: No (Yes with rider)
Early Critical Illness: No

Health and Insurance Coverage Multiplier

Death: Yes (if the cause of death is Accidental)
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Optional Add-on Riders

Plus! Protect Prime

Additional Features and Benefits


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

Read Also: No budget for financial planning?

NTUC Income Plus! Protect may be suitable if you are looking for

NTUC Income Plus! Protect may potentially be a good fit if the following matters to you:

  • High insurance coverage against Death, Total and Permanent Disability or Terminal Illness
  • High insurance coverage against Critical Illness with the available rider
  • Lower initial premium compared to other types of insurance policies
  • Looking to boost insurance coverage or fill a shortfall in an insurance portfolio

NTUC Income Plus! Protect may not be suitable if you are looking for

NTUC Income Plus! Protect may potentially be a bad fit if the following matters to you:

  • Long-term cash accumulation
  • Regular cash payout
  • A one-time premium commitment with no further cash commitment
  • Insurance policy with a surrender value.

Further considerations on NTUC Income Plus! Protect

  • How is NTUC Income or NTUC Income Plus! Protect payout and claims based on past track record?
  • How does NTUC Income Plus! Protect compare with Term policies from other insurance companies?
  • Can NTUC Income Plus! Protect fulfill my financial, insurance, health, and protection needs?

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

Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering to take up.

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Is NTUC Income Plus! Protect 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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    Financial Solutions Enquiry Form

    What kind of insurance do you require more information with?

    What kind of protection products are you looking at ?

    For which event do you wish to be protected for?

    DeathTotal and Permanent DisabilityCritical Illness (Early stage)Critical Illness (Advance and Late stage)Income in the event of Disability

    How many year are you willing to make payment for?

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    Would you expect to do partial withdrawal in the short term for this sum of money?

    How much funds are you looking to achieve? (in SGD)

    How many year are you looking to save for this amount of fund?

    How many years would you expect to require the full sum of fund?

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    We are not sure too, let us work out your financial needs with you.

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    Before you go...
    NTUC Income Plus! Protect 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.
    Drop us a message and find out about customised options across multiple insurance companies. You deserve to get the best out of your hard-earned savings!
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