Health Insurance

IncomeShield and Enhanced IncomeShield – Assist Rider

Assist Rider helps keep your hospital bill to a minimum

With the Assist Rider1, all you need to pay is 10% of the claimable amount, subject to a maximum co-payment^ each year.

Maximum co-payment for each policy year
Preferred/Plan P Advantage/Plan A Basic/Plan B Plan C
$3,000 $2,500 $2,000 $1,500

Deductible and co-insurance are mandated by the Ministry of Health.

^ For each claim under your policy, you will have to make a co-payment of 10% of the benefits due under your policy, up to the maximum amount for each policy year as shown in the table above.

You are entitled to daily hospital cash benefit if the ward you are admitted to is lower than your entitled ward.

Hospital cash benefit
Plan Admitted ward in restructured hospital Cash benefit received for each day
Preferred B1, B2 or C $150
Preferred A $125
Advantage B1, B2 or C $100
Basic B2 or C $75

This hospital cash benefit applies to Enhanced IncomeShield plans only.

Assist Rider also pays up to $80 per day (for a maximun of 10 days for each hospital stay) for the cost of extra bed for parent or guardian who stays in the hospital with the insured child who is warded. The insured child must be aged 18 and below on the date a claim is made for the extra bed benefit.  

More savings with Assist Rider

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

Click here for Assist Rider yearly premium rates.

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

This is for general information only. You can find the usual terms and conditions of this Rider at 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 ( or or

Information is correct as of 23 January 2013


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