additional medical questionnaire ntuc
Effective from 1 May 2020, NTUC Income has increased the premiums for its integrated shield plans (‘ISP’).The upward revision would only affect its Plus and Assist riders as these are riders introduced before the Singapore government’s announcement on 7 March 2018.Since that fateful announcement, the medical health insurance landscape has witnessed the following changes: If another insurer is willing to accept my application at a more favourable status, will Income change its decision? I have all my insurance plans with NTUC Income. We may apply an additional non-panel payment to the Deluxe Care Rider at the renewal date by giving you at least 30 days’ notice. Why am I the only one to receive the Enhanced IncomeShield policy contract? 2 Created by: David Marcheschi, Pam Youngbauer, Hillary Dunbar Date: Last Update 3/23/20 Home Health Intake In order to access the Travel Screening Questionnaire and be linked to the most current episode, intake must be initiated, and a Home Health Episode must be created. They provide world class service. © 2004-2021 ComplaintsBoard.com. HP:+65 [protected], By clicking Submit you are agreeing to the Complaints Board’s Terms and Conditions. If the stay in hospital is for a continuous period of more than 12 months but less than 24 months, you must also pay the maximum additional non-panel payment of $2,000 for the next policy year. Are Enhanced IncomeShield policyholders eligible for premium subsidies? The Singapore National Trades Union Congress (NTUC), comprising affiliated unions and associations, professional guilds, SMEs, freelancers and self-employed as well as social enterprises, is at the heart of the Singapore Labour Movement. What will happen to my existing cover if I request for an upgrade of plan? I hereby consent NTUC Income to obtain medical information from hospitals, physicians and any other person I have consulted and I authorise the giving of such information. Please call our hotline at 6332 1133 or visit any of our branches to find out more. We will pay up to 10 days for each stay in hospital. This is provided that there is no change in plans or age bands. Do I need to wait till my renewal for the upgrade to be effective? #everyworkermatters Panel (including preferred partners) refers to a registered medical practitioner, specialist, hospital or medical institution on Income’s approved list which can be found. To apply or upgrade to Enhanced IncomeShield, the last entry age is 75 (based on the insured's age next birthday). ^. Receive up to $80 per day (maximum of 10 days per hospital stay) to pay for an extra bed for you to sleep over if your insured child[8] gets warded. Furthermore, refunds are processed in batches. As a result, you may not be able to afford the premiums or get the insurance protection you want. Deductible is the amount that you will need to pay first before any claim is payable. Access to a panel[5] of trusted medical specialists, practitioners and preferred partners[5] for your medical care. How are riders relevant to MediShield Life? With the new AWLs, Singaporeans will be able to use the same amount or more of their MediSave to pay the additional private insurance coverage component of their IP premiums than before. Are riders (Deluxe Care Rider and Classic Care Rider) part of Enhanced IncomeShield policy? If you have any questions, just call up your agent or customer service team. Medical History Questionnaire Medical Condition: Statement under Section 25(5) of the Insurance Act, Cap. Each insured person is issued an individual insurance policy. NTUC Income is a household name in Singapore, with many just defaulting to them when it comes to anything insurance-related. Always reliable and agents are so friendly. MediShield Life is a compulsory national health insurance for all Singapore Citizens and Permanent Residents providing better protection than MediShield. Mental Health Questionnaire Statement under Section 25(5) of the Insurance Act, Cap. No, you can only be insured under one Integrated Shield Plan at any point in time. Income will apply its own guidelines on the assessment of risks. Before you terminate the cover, we hope that you will reconsider your decision as it is important for you to have catastrophic medical insurance coverage to help defray part of the large medical bills in the event of a serious illness or prolonged hospitalisation. I have upgraded my plan recently. Enhanced IncomeShield policyholders will receive the applicable MediShield Life subsidies for the MediShield Life portion. This includes coverage for pre- and post-hospitalisation expenses, emergency overseas treatment, and the option to purchase riders to cover deductibles and co-insurance. You will only need to pay up to $2,000 additional non-panel payment (each policy year) if the treatment for your hospital stay was not provided by our panel[5]. Will I lose the cover for these medical conditions that were previously covered? Check the application form and Additional documents section. In some circumstances, we may use information you’ve already given us. Classic Care Rider is a rider attached that covers the deductible and co-insurance parts of your Enhanced IncomeShield plans. The table is based on specific medical diagnosis in relation to the stated category of medical conditions in a private hospital. Regards, To me, falling sick or getting injured is already stressful enough. For your upgraded plan, you will be covered for any other medical conditions that you are not excluded from. Please contact your adviser or call our customer service hotline for more information. This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). If you are keen to add the new Riders to Enhanced C, it is not available. With the launch of MediShield Life, there will be two parts to MediSave’s use for IP premiums. (2nd Complaint) I don't understand why in 1st place NTUC Representative do not advise me in 1st place. The additional documents to be submitted are as follows: i. SINGAPORE - Media OutReach - 9 March 2021 - NTUC LearningHub (NTUC LHUB), NTUC U SME, United Overseas Bank (UOB)'s innovation accelerator The … If the start date of the new Rider is not aligned with the Enhanced IncomeShield policy renewal date, a pro-rated premium will be charged for the new Rider. Get rewarded for doing good for your body with up to $40 vouchers to be redeemed! If yes, they will ask if you want to be assessed for permanent stay. A 15-day trip to the United States is S$169, S$34 more than NTUC Income’s Deluxe Plan for an adult and S$23.25 more than the Deluxe Plan for a child. Will I still receive APS if I am insured under Enhanced IncomeShield? A health professional currently treating the person must complete this form. Your Enhanced IncomeShield premium is made up of the MediShield Life premium and an additional private insurance coverage premium. The additional insurance coverage offered by the private insurer will increase your level of protection beyond medical care provided at Class B2/C wards in public hospitals. 821/057 Details of insured Upon the renewal of the Enhanced IncomeShield policy, the Rider renewal dates will be aligned with that of the Enhanced IncomeShield policy. If you find that this plan is not suitable after purchasing it, you may terminate it within the free-look period, and obtain a refund of premiums paid. They have sufficient knowledge to answer your questions. However, you should note that re-application will be subject to Income’s underwriting and acceptance. Later, I was contacted by the representative that I filled wrongly, as both "Proposer" & "Insurer" are to be myself, and request me to correct & send Co-Pay only 10% of the claimable amount[3] to keep your hospital bill by panel specialists affordable. NTUC Income Insurance Co-operative Limited Income Centre 75 Bras Basah Road Singapore 189557 ... Has there been any change in the life to be insured’s health condition (for example, staying or may be staying in hospital, consulting or may be ... Additional medical questionnaire / / I upgraded to a higher plan with exclusion of certain medical conditions. This is for general information only. NTUC is at the heart of the Labour Movement, which comprises 59 affiliated unions, five affiliated associations, 12 social enterprises, six related organisations as well as a growing ecosystem of U Associates and enterprise partners.For more details on NTUC, please visit our website at www.ntuc.org.sg. Therefore, your refund for your previous plan and your premium deduction for your upgraded plan may not coincide. Receive up to $80 per day (maximum of 10 days per hospital stay) to pay for an extra bed for you to sleep over if your insured child[8] gets warded. Can I, as the insured person, purchase two or more Riders for myself? Any unused premiums from the terminated policy will be refunded to you through your respective mode of payment. You are only able to purchase either Deluxe Care Rider or Classic Care Rider. I also agree that the photocopy of this form is as valid as the original. The policy contract will be issued when your application is accepted. This can potentially lead to high out-of-pocket expenses and loss of future income. You need this letter before you can provide Medicare services. NTUC only pays out S$50 for every six hours of travel delays or baggage delays which are not caused by you (the overall limit for both is S$1,000). There are certain conditions whereby the benefits under this plan will not be payable. Co-Pay only 5% of the claimable amount[3] to keep your out-of-pocket expenses on hospital bills as low as possible. MediShield Life is able to cover pre-existing conditions because the cost of providing such coverage is shared among those with pre-existing conditions, the community and the government, which bears the bulk of the costs (about 75%). However, you will have to make a co-payment for each claim. NTUC FairPrice was first established on 22 July 1973 as NTUC Welcome Supermarket in Toa Payoh, to solve the rising oil and daily prices then due to inflation.Then prime minister Lee Kuan Yew opened the first supermarket at Block 192, Toa Payoh Lorong 4, and it was the first of its kind. Private health insurance rebate Appropriate level of private patient hospital cover You may be liable for the Medicare levy surcharge if you do not have an appropriate level of private patient hospital cover and earn above a certain income. We reserve the right to maintain our initial decision if the improvement of the medical condition does not meet our underwriting guidelines. ^Panel means a registered medical practitioner, specialist, hospital or medical institution on our approved list. Quick response time by the customer care and claims teams, always promptly settled in less than one week. Integrated Shield Plan claims for COVID-19:As our borders progressively reopen to permit international travel, MOH is allowing Singapore Citizens and PRs who travel out of Singapore to claim for inpatient COVID-19 treatment from MediShield Life and Integrated Shield Plans on or after 20 Oct 2020, should they experience onset of COVID-19 symptoms within 14 days of their return to Singapore.To support Singapore’s COVID-19 vaccination programme, our IncomeShield plans will cover hospitalisation due to COVID-19 vaccination, if it becomes necessary. Yes, you can. We’ll send you a letter with your provider numbers for each of your new practice locations. Medical expenses of up to $15,000 after an accident may not be enough to cover the high cost of medical treatment in some countries. Otherwise, you may end up buying a plan that does not meet your expectations or needs. I am currently receiving Additional Premium Support (APS) from the Government. I was told this questionnaire is straightforward, but when I fill it, there's mentioned of "Proposer" & "Insurer" . Download the Income Insurance app for the latest rewards and deals. Subject to individual hospital guidelines. An Integrated Shield Plan (IP) consists of two parts – the MediShield Life portion which is managed by the Central Provident Fund (CPF) Board and an additional private insurance coverage portion offered by a private insurer. Hence, these pre-existing conditions will continue to be excluded from the additional private insurance coverage portion under your Enhanced IncomeShield. If your additional private insurance coverage premium costs more than the AWL, you will have to pay the balance in cash. Should I keep my Enhanced IncomeShield cover? The first part is for MediShield Life premiums which can be fully payable by MediSave. I then also received the original application, undertaking / signed and mailed back to NTUC INCOME, everything was fine & received confirmation from NTUC Income as well as from CPF Board that the premium is been deducted. Information is correct as of 12 March 2021. If you are claiming for pre-hospitalisation treatment, post-hospitalisation treatment or special benefits (if it applies), we will not apply the co-payment limit if the treatment during the insured’s stay in hospital is not provided by our panel^. As I not brief on what to filled, I have put the "Proposer" person name as the NTUC representative, while my name in the "Insurer", print, sign, scan & emailed back to the representative. What will happen to my MediShield Life cover if my Enhanced IncomeShield plan is terminated? For each claim that meets the limits on special benefits (if it applies) or the limit for each policy year of your policy, the co-payment for that claim will not be added towards the co-payment limit of $3,000 for each policy year. Still, they may be great options for those concerned about expensive health insurance premiums and families who are looking to save on their newborn's health coverage. With MediShield Life now providing universal coverage, would my Enhanced IncomeShield also cover my pre-existing conditions? Can I upgrade again to a higher plan? If the insured is in the hospital for only part of a day, we will pay half of this benefit for that day. The change will take effect on the start date indicated on your policy contract. Why is the same policy number used for my upgraded plan? We would like to highlight that by terminating your Enhanced IncomeShield plan, you will need to re-apply if you wish to be covered in the future. Coverage for your policy is automatic and no further action is required from you. I have already upgraded to a higher plan but have yet to receive my pro-rated refund for the previous plan. Otherwise, the insurance policy may not be valid. The claims process is also easy. As Riders are not MediSave-approved plans, policyholders will need to pay for them separately by cash. Please contact your adviser or customer service hotline 6332 1133 for more information. How does the co-payment limit apply for Classic Care Rider? Pre-hospitalisation and post-hospitalisation treatment are also not payable if the inpatient hospital treatment received during the stay in hospital is not payable. For a more detailed look at what you are covered for, you may view the full coverage table here. We encourage you to decide on a plan that meets your needs, taking into consideration your preferred ward class and level of benefits, and affordability of premiums over the long-term. The Patient is the Additional Medisave Payer’s: Spouse Child Parent Grandparent (Patient must be SC/PR) ... NTUC Income AIA … What are the benefits for Deluxe Care Rider? ... Medical History Questionnaire . Can I have more than one Integrated Shield Plan? I feel that MediShield Life gives me sufficient coverage. How do the changes to the MediSave withdrawal limit affect me? Enhance your MediShield Life coverage with a medical and hospital insurance plan that can be paid using your MediSave account. Accepted with exclusions on any pre-existing medical conditions. Policyholders covered under Enhanced IncomeShield will enjoy the combined benefits of MediShield Life which provides hospitalisation coverage targeted at Class B2/C wards and the additional private insurance coverage targeted at higher class wards in public or even private hospitals depending on your plan. All the exclusions under the IncomeShield plan will apply to the Riders. Medical treatments can be very costly, depending on factors such as your medical condition, duration of treatment and hospital type. When you attend the panel clinic they will ask you whether you plan to apply for a permanent stay in the next 6 to 12 months. How NTUC Income iTerm Works source: NTUC Income Conclusion For NTUC Income iTerm Product Information Reimburse pre- and post-hospitalisation expenses[3][4] incurred for eligible medical treatments up to 100 days before and after hospitalisation. This means that after you have been accepted, any change to your health status does not affect your current insurance coverage. If you have any questions, just call up your agent or customer service team. 2 In 5 Singaporeans Think Not Doing This Is Uncaring. 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 Income or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg). COVID-19: Check www.health.gov.au, your local state/territory health department’s website and our COVID-19 updates page for the latest information. In my recent regular medical check-up, my doctor mentioned that my medical condition had improved and is within the normal range. I understand that I can refer to Income’s Privacy Policy for more information on the collection, use and disclosure of my personal data and manner of consent withdrawal. If you wish to upgrade to a higher plan after your first upgrade, you can do so after 40 days from the start date of your upgraded plan. There is no duplicate coverage between MediShield Life and Enhanced IncomeShield. The claims process is also easy. In addition, if you choose to be insured under Enhanced IncomeShield, the person paying for Enhanced IncomeShield will stop receiving APS, if he or she is currently receiving APS. And, for each further period of 12 months or less that the stay in hospital extends for, you must pay the maximum additional non-panel payment of $2,000 for one extra policy year. Enhanced IncomeShield are IPs offered by Income. Taxpayers who make over $200,000 or $250,000 for married couples are subject to an additional 0.9 percent tax on Medicare. For each stay in hospital of 12 months or less that is not provided by our panel^, the maximum additional non-panel payment for one policy year is $2,000 (even if the stay in hospital runs into the next policy year). In contrast, had Heartland Boy not bought the NTUC Assist Rider, his out-of-pocket expenses would have been a total of $8,150, or $5,650 more. Leave your contact details below and one of our Income Advisors will reach out to you in 3 working days.