NTUC Income Enhanced Income Shield

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NTUC Income Enhanced IncomeShield covers hospitalisation, surgery and certain outpatient treatments expenses incurred. This health and medical insurance plan takes care of your hospital and surgical expenses1 while you focus on your health and recovery.

  1. Unlimited lifetime coverage
  2. ‘As charged2 ’ coverage - helping you pay for what you have incurred
  3. Letter of Guarantee3 waives deposit required by hospital
  4. Enhanced health insurance coverage with add-on riders
    • Assist rider4 minimises your hospital bills
    • Daily cash rider4 pays you cash if you’re hospitalised
    • Child Illness Rider4 protects your child’s well-being
  5. Premium payable with Medisave funds (main plan only)

Important Notes

1 Subject to precise terms, conditions and exclusions of this plan specified in the policy contract or rider.

2 Subject to deductible, co-insurance, admission of ward class and other terms.

3 Subject to individual hospital guidelines. Other terms and conditions apply.

4 All riders are applicable to all nationalities and premiums are payable by cash, cheque or GIRO only. The plan selected for the Assist Rider and Daily Cash Rider must be the same as your Enhanced IncomeShield plan.

Enhanced IncomeShield is available as a Medisave-approved Integrated Shield Plan for insured who is a Singaporean or a Singapore Permanent Resident. This applies as long as the insured meets the eligibility conditions under MediShield. If the insured is a foreigner who has an eligible valid pass with a foreign identification number (FIN), Enhanced IncomeShield is not available as an Integrated Shield Plan.

Enhanced IncomeShield is available as a Medisave-approved Integrated Shield Plan for insured who is a Singaporean or a Singapore Permanent Resident. This applies as long as the insured meets the eligibility conditions under MediShield. If the insured is a foreigner who has an eligible valid pass with a foreign identification number (FIN), Enhanced IncomeShield is not available as an Integrated Shield Plan.

This is for general information only. You can find the usual terms and conditions of this plan at www.income.com.sg/forms/insDocument/EnhanceIncshield.pdf. All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact NTUC Income or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Information is correct as of 23 January 2013

Disclaimers

This plan is underwritten by NTUC Income and acceptance of the proposal is subject to underwriting. Buying a life insurance is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.

No representation or warranty whatsoever (including without limitation any representation or warranty as to accuracy, usefulness, adequacy, timeliness or completeness) in respect of any information (including without limitation any statement, figures, opinion, view or estimate) provided herein is given by SBI and it should not be relied upon as such. SBI does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time. SBI shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.

Only applicants that satisfy the following criterias are eligible to apply for NTUC Income Enhanced IncomeShield cover and the add-on Riders

  1. The product is suitable for all individuals who are looking for protection against rising healthcare costs.
  2. Applicant/Insured must be a Singaporean, Singapore Permanent Resident or Foreigner with FIN number.
  3. Entry Age: 1-75 years at next birthday. Plan is available for renewal above age 75.

Please speak to our Relationship Managers for more information on the premiums charged

  1. Application Form
  2. Copy of customer’s IC

Walk in to any of our branches to talk to our Relationship Managers