NTUC Income Plus Rider Review

The complete Pros and Cons on NTUC Income Plus Rider

NTUC Income Plus Rider product details

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

Read AboutIntegrated Shield Plan: How does it work?

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

Features of NTUC Income Plus Rider at a glance

Based on the option with the highest coverage, NTUC Income Plus Rider (Preferred)

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 90 days
  • Post-hospitalisation treatment: Up to 90 days
  • Daily Hospital Incentive: S$200/day if admitted to Public hospital B1/B2/C ward, S$125/day if admitted to Public hospital A ward

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 Plus 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 AboutNo budget for financial planning?

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

NTUC Income Plus Rider may be suitable if you are looking for

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

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

NTUC Income Plus 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 drop down below for premium table for NTUC Income Enhanced IncomeShield and NTUC Income Plus Rider.

The table below shows the annual premiums for NTUC Income Enhanced IncomeShield and NTUC Income Plus Rider.

This allows 100% claims for the first dollar up, for hospitalisation and medical treatment in private hospital.

Age NTUC Income Enhanced IncomeShield
(Actual Premium/ Nett premium payable after using MediSAVE)
NTUC Income Plus Rider
(Premium for rider must be fully paid by cash)
1 S$205/ S$0 S$412
2 S$205/ S$0 S$412
3 S$205/ S$0 S$412
4 S$205/ S$0 S$412
5 S$205/ S$0 S$412
6 S$205/ S$0 S$412
7 S$205/ S$0 S$412
8 S$205/ S$0 S$412
9 S$205/ S$0 S$412
10 S$205/ S$0 S$412
11 S$205/ S$0 S$412
12 S$205/ S$0 S$412
13 S$205/ S$0 S$412
14 S$205/ S$0 S$412
15 S$205/ S$0 S$412
16 S$205/ S$0 S$412
17 S$205/ S$0 S$412
18 S$205/ S$0 S$412
19 S$252/ S$0 S$428
20 S$252/ S$0 S$428
21 S$255/ S$0 S$428
22 S$255/ S$0 S$428
23 S$255/ S$0 S$428
24 S$255/ S$0 S$428
25 S$255/ S$0 S$428
26 S$255/ S$0 S$428
27 S$255/ S$0 S$428
28 S$255/ S$0 S$428
29 S$255/ S$0 S$428
30 S$255/ S$0 S$428
31 S$375/ S$75 S$559
32 S$375/ S$75 S$559
33 S$375/ S$75 S$559
34 S$375/ S$75 S$559
35 S$375/ S$75 S$559
36 S$392/ S$92 S$567
37 S$392/ S$92 S$567
38 S$392/ S$92 S$567
39 S$392/ S$92 S$567
40 S$392/ S$92 S$567
41 S$648/ S$48 S$625
42 S$648/ S$48 S$625
43 S$648/ S$48 S$625
44 S$648/ S$48 S$625
45 S$648/ S$48 S$625
46 S$766/ S$166 S$710
47 S$766/ S$166 S$710
48 S$766/ S$166 S$710
49 S$766/ S$166 S$710
50 S$766/ S$166 S$710
51 S$888/ S$288 S$956
52 S$888/ S$288 S$956
53 S$888/ S$288 S$956
54 S$888/ S$288 S$956
55 S$888/ S$288 S$956
56 S$1162/ S$562 S$1,375
57 S$1162/ S$562 S$1,375
58 S$1162/ S$562 S$1,375
59 S$1162/ S$562 S$1,375
60 S$1162/ S$562 S$1,375
61 S$1592/ S$992 S$1,666
62 S$1592/ S$992 S$1,666
63 S$1592/ S$992 S$1,666
64 S$1592/ S$992 S$1,666
65 S$1592/ S$992 S$1,666
66 S$2,250/ S$1,650 S$2,159
67 S$2,250/ S$1,650 S$2,159
68 S$2,250/ S$1,650 S$2,159
69 S$2,250/ S$1,650 S$2,159
70 S$2,250/ S$1,650 S$2,159
71 S$3,113/ S$2,213 S$3,048
72 S$3,113/ S$2,213 S$3,048
73 S$3,113/ S$2,213 S$3,048
74 S$3,553/ S$2,653 S$3,188
75 S$3,553/ S$2,653 S$3,188
New application or switching of Integrated Shield Plan/ rider is not allowed after age 75.
76 S$3,994/ S$3,094 S$3,608
77 S$3,994/ S$3,094 S$3,608
78 S$3,994/ S$3,094 S$3,608
79 S$4,506/ S$3,606 S$3,953
80 S$4,506/ S$3,606 S$3,953
81 S$4,726/ S$3,826 S$4,705
82 S$4,726/ S$3,826 S$4,705
83 S$4,726/ S$3,826 S$4,705
84 S$5,270/ S$4,370 S$4,781
85 S$5,270/ S$4,370 S$4,781
86 S$5,890/ S$4,990 S$4,793
87 S$5,890/ S$4,990 S$4,793
88 S$5,890/ S$4,990 S$4,793
89 S$6,455/ S$5,555 S$4,812
90 S$6,455/ S$5,555 S$4,812
91 S$6,614/ S$5,714 S$5,016
92 S$6,614/ S$5,714 S$5,016
93 S$6,614/ S$5,714 S$5,016
94 S$7,143/ S$5,243 S$5,375
95 S$7,143/ S$5,243 S$5,375
96 S$7,641/ S$6,741 S$5,740
97 S$7,641/ S$6,741 S$5,740
98 S$7,641/ S$6,741 S$5,740
99 S$8,117/ S$7,217 S$5,804
100 S$8,117/ S$7,217 S$5,804

Annual premium table for NTUC Income Enhanced Income Shield and NTUC Income Plus 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 Plus Rider

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

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

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 Plus 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.

We compare quotations head to head on all leading insurers in Singapore

    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 Plus 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.
    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!
    Need help?
    close slider

    Need help?