NTUC IncomeShield Panel Doctor (2024)

In-patient Hospital Treatment in Singapore: You’re covered for daily ward and treatment charges, including surgical benefits (day surgery) and other inpatient hospital treatments as specified in the policy’s schedule of benefits.

Out-patient Hospital Treatment in Singapore: This covers radiotherapy, cancer drug treatment and services, outpatient kidney dialysis, approved immunosuppressant drugs (like cyclosporine and tacrolimus for organ transplants), erythropoietin and other approved drugs for chronic kidney failure, and parenteral bags.

Pre- and Post-hospitalisation Treatment: If you have Enhanced IncomeShield, expenses have to be incurred in Singapore within 180 days before and 365 days after hospitalisation. For standard IncomeShield, it is within 90 days from the hospitalisation or day surgery.

Emergency Overseas Treatment: You’re covered for immediate medical treatments in hospitals abroad due to severe injuries or conditions. However, treatments given before or after these emergencies are not covered.

• Outpatient procedures performed at private clinics, public hospital’s short-stay wards, community hospitals, and overseas treatments.
• Treatments for conditions like pregnancy-related treatments, cosmetic surgery, HIV infection or AIDS, among others mentioned in the full list of exclusions in the policy contract.

While the NTUC IncomeShield Integrated Plan offers comprehensive coverage, you’re still responsible for a co-payment, which can vary depending on if you have purchased a rider. Without a rider, your co-payment can amount to 10% of your total bill. With a rider, there is a minimum 5% co-payment for treatments.

This means that even if your treatment is covered with a rider, you are required to pay at least 5% of the medical expenses out-of-pocket. For instance, if your medical bill is $1,000, you’ll need to pay a minimum of $50, and the insurance will cover the remaining $950.

For assistance on your insurance plan, feel free to contact G&L Surgical.

Policyholders that visit the NTUC IncomeShield Panel doctors are provided with a Letter of Guarantee (LOG) at major hospitals in Singapore. This helps with the upfront cash deposit required for hospitalisation or day surgery, depending on the hospital that you are admitted to and their policies. For most patients utilising the LOG, the following arrangements should apply:

• In-patient and Out-patient Hospital Treatments: No upfront payment required, however, once the claim is reviewed, and the final outcome/payment will be relayed to the hospital, you will be sent the final bill and manage any refunds if applicable.

• Pre- and Post-hospitalisation & Emergency Overseas Treatment: You will need to pay upfront. Afterward, you can submit your claims for reimbursem*nt, which typically takes around 14 working days once all necessary documents are submitted.

Hospitalised Patients: For patients who are warded following the treatment, your documents will be submitted via e-Filing from the hospital’s administration.

Outpatient Patients: Patients are required to submit their documents electronically via the hospital or medical institution, as they are required to send all claims electronically through the system set up by MOH. You may visit the NTUC Income website for your hospitalisation claims submission. Alternatively, you can contact our clinic and we will be happy to assist you with your claims.

For inpatient and outpatient hospital treatment in Singapore: The claim will be reviewed, and the final outcome will be communicated to the hospital, who will then send the patient the final bill. The hospital will also handle any refunds if applicable.

For pre- and post-hospitalisation treatment and Emergency overseas treatment: Claims typically take around 14 working days to process once all necessary documents are received. If further clarification is needed, it might take longer, and you will be kept informed.