Insurance Plans Available in NTUC Income

NTUC Income Insurance Plans – My Full Breakdown of Coverage That’s Practical, Reliable & Affordable

If there’s one name in Singapore’s insurance space that almost everyone has heard of, it’s NTUC Income. Known for its co-operative roots, community-first mindset, and truly affordable policies, Income has carved out a space as the insurer for everyday people like us. Whether you're starting out in your career, planning for a family, or heading toward retirement, Income has built its plans to suit all life stages—without overcomplicating things.

Personally, what I like most about Income is their transparent pricing, MediSave compatibility, and straightforward product structure. I’ve taken the time to review and explore all their major insurance plans so I can give you a detailed yet simple guide—because understanding what you're buying is just as important as buying it.

🔵 1. Life Insurance Plans – Affordable Protection for the Long Term

✅ Term Life Insurance

Provides high coverage at low premiums
Choose from level term or decreasing term plans
Ideal for covering mortgages, income replacement, or dependents
Can be bundled with riders for critical illness and TPD

✅ Whole Life Insurance (Star Secure Pro / Star Assure)

Lifetime protection up to age 100
Includes critical illness riders and early CI multipay options
Cash value accumulates over time with bonuses
Good for legacy planning and long-term financial security

🟢 2. Critical Illness & Health Protection – Strength When You Need It Most

✅ Income Cancer Protect

Lump-sum payout upon diagnosis of early or advanced cancer
Affordable plan, especially for first-time buyers
Covers recurrent cancer claims with multiple payouts

✅ Star Secure Pro with Multiplier Riders

Combines whole life protection + early CI + multipay benefits
Covers up to 150 conditions including special and juvenile illnesses
Repeated claims possible under different stages of illness

✅ Enhanced IncomeShield

An Integrated Shield Plan (IP) that supplements MediShield Life
Covers Class A/B1 wards and private hospitals
Includes pre- and post-hospitalisation coverage
Riders available for co-payment caps and higher-tier benefits

🟡 3. Hospitalisation & Medical Riders – Affordable Medical Protection

✅ Plus Rider / Assist Rider

Attach to Enhanced IncomeShield to reduce out-of-pocket expenses
Covers co-insurance, deductibles, outpatient treatments
Co-payment capped at 5%, making high bills manageable

✅ Daily Cash Benefit Rider

Provides cash payout per day of hospitalisation
Acts as income support during recovery
Can be stacked with other health or life policies

🔴 4. Savings & Endowment Plans – Safe Growth with Protection

✅ Gro Cash Flex Pro

Offers guaranteed yearly cash payouts after policy holding period
Flexible payout start age (e.g., 50, 60, 65)
Maturity lump sum + bonus potential
Ideal for retirement, education savings, or travel goals

✅ Gro Saver Flex Pro

Flexible endowment plan with guaranteed maturity benefits
Choose policy term and premium term
Includes life coverage throughout the saving period

✅ Gro Capital Ease / Gro Capital Guarantee

Short-term single premium plans
Guaranteed returns upon maturity (2–3 years)
No medical underwriting required
Great for capital protection with predictable returns

Insurance Plans Available in NTUC Income Insurance

🧒 5. Child Education & Juvenile Plans – Secure Their Future Today

✅ Gro Junior Saver

Designed to help fund your child’s university education
Guaranteed payout + bonuses at maturity
Offers life protection on the payer (you) in case of death/TPD

✅ VivoChild

Lifetime coverage for child with education fund benefits
Includes juvenile illness protection and CI riders
Can be transferred to your child once they become an adult

🟣 6. Retirement & Income Plans – Your Paycheck After You Retire

✅ Gro Retire Flex

Flexible retirement plan with monthly payouts
Start receiving from age 55, 60, or 65 (your choice)
Capital guaranteed if held till payout
Also includes life coverage during the premium term

✅ Gro Retire Ease

Simpler retirement plan with guaranteed monthly income
Ideal for those looking for a streamlined, no-fuss retirement product

🧭 7. Investment-Linked Plans – Grow Wealth + Stay Protected

✅ VivoLink

Investment-linked policy that combines life insurance and fund growth
Choose from multiple investment fund options
Top-up and partial withdrawals available
Includes death and TPD cover

✅ VivoCash Prime

Hybrid of savings and investment
Annual cash bonuses and guaranteed maturity benefit
Suitable for medium- to long-term savings goals

🟠 8. Personal Accident & Travel Insurance

✅ PA Assurance

Covers accidental death, fractures, burns, and hospitalisation
24/7 worldwide coverage
Optional add-ons: child cover, medical reimbursement, TCM treatment

✅ Income Travel Insurance (Basic, Enhanced, Preferred)

Covers trip delays, cancellations, overseas medical emergencies
Customisable plans for solo travellers, families, or business trips
Add-on for COVID-19 coverage available

💼 9. Business & Group Insurance Plans (For Companies & SMEs)

NTUC Income also offers strong group benefits for businesses:

Group Term Life and Hospitalisation Plans
Group Personal Accident
Group Critical Illness
Work Injury Compensation Insurance

✅ Final Thoughts – Why I Personally Like NTUC Income

If you’re looking for insurance that balances affordability, reliability, and transparency, NTUC Income is one of the best options out there. They focus on essential needs, and they don’t try to oversell complex policies. Their plans are easy to understand, and many are eligible for MediSave use, which keeps things financially light.

Whether you're a young working adult, a parent, or someone nearing retirement, Income has a policy that meets your goals—without making you feel overwhelmed. Their Gro series of savings and retirement plans, in particular, strike a great balance between guaranteed returns and peace of mind.

🔗 Official Website: https://www.income.com.sg