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Enhanced IncomeShield

Assist Rider - Product Summary

Assist Rider to Keep Hospital Bill to a Minimum

Your IncomeShield plan makes managing hefty healthcare costs easier. Now, we have introduced an easier way to continually protect you and your family.

Certainty in managing your bills

With the Assist Rider1, all you need to pay is 10% of the claimable amount, subject to a cap. Hence, you'll have an easier time managing substantial medical expenses. The cap is shown in the table below.

Caps for co-payment per policy year

Preferred Advantage Basic
$3,000 $2,500 $2,000

More savings with Assist Rider

Compared to "full rider" plans offered by other insurers in the market. The premium for Assist Rider is lower. This means you save in the long run.

Click here for Assist Rider Annual Premium Rates.

More assurance with daily hospitalisation allowances

Furthermore, you are entitled to daily hospitalisation allowance if the ward you are admitted to is lower than your entitled ward.

Plan Admitted Ward Daily Cash Benefit
Preferred Restructured Hospital ward B1/B2/C $150
Preferred Restructured Hospital ward A $125
Advantage Restructured Hospital ward B1/B2/C $100
Basic Restructured Hospital ward B2/C $75

This Hospital Cash Benefit will apply to the Enhanced IncomeShield Plan only.

Example to illustrate Assist Rider benefits (Enhanced IncomeShield)

A 25 year old male is covered under Basic plan, for total hospital bill of $8,000.

Benefits Expenses Amount Amount Claimable
Room & Board (12 days) $4,500 $4,500
Surgical Benefits $2,500 $2,500
Implant $1,000 $1,000
Total $8,000 $8,000

Without Assist Rider
Claimable $8,000
Less : Deductible $2,000
Less : Co-insurance $600
IncomeShield pays: $5,400
Insured pays (deductible and co-insurance) $2,600

With Assist Rider
Claimable $8,000
Co-insurance that the insured has to pay 10% of $8,000 OR Cap of $2,000, whichever is lower
IncomeShield with rider pays $7,200
In this case, Insured pays $800

If you are interested in the Enhanced IncomeShield Assist Rider and you are an existing Enhanced IncomeShield policyholder, you may download the application form.

IMPORTANT NOTES

1 The Assist Rider is applicable to all nationalities and premiums are payable by cash/cheque/GIRO. The plan selected for the Assist Rider must be the same as your Enhanced IncomeShield Plan.

This material is for general information only and is not a contract of insurance. The precise terms, conditions and exclusions of this plan are specified in the Policy Contract. You should seek advice from a qualified adviser if in doubt. If you choose not to, you will have to take sole responsibility to ensure that this product is appropriate to your financial needs and insurance objectives. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.

This plan is underwritten by NTUC Income.

Information is correct as of 1 November 2010.