NTUC Income Review, Offers, Rates & Alternatives
NTUC Income is a Singapore co-operative insurer selling travel, motor, home, pet, health, life, critical illness and personal accident cover. Giraffy lists 13 NTUC Income policies. Headline figures include travel insurance from S$17 a single trip with up to S$1m emergency medical cover, iTerm life cover from S$12 a month for up to S$2M, motor insurance from S$800 a year with up to 50% no-claim discount, and pet insurance from S$20 a month.
Live offers
- Roadside assistance and wellness cover
- $8.72/year
- NTUC Income iTerm Life
- NTUC Income Pet Insurance
- NTUC Income Pet Insurance Singapore
| Provider type | Singapore insurer with co-operative roots |
|---|---|
| Products | Travel, motor, home, pet, health (Enhanced IncomeShield), term life, critical illness, personal accident |
| Travel insurance | From S$17 single trip; up to S$1m emergency medical |
| Motor insurance | Comprehensive from S$800/yr; up to 50% NCD |
| Term life | iTerm from S$12/month, cover up to S$2M |
| Alternatives | FWD, Singlife, Great Eastern, AIA |
Best for
- Singapore residents who want travel, motor, home and life cover from one local insurer
- People who want direct term life cover without going through an agent
Not ideal for
- Travellers chasing the lowest single-trip price — FWD lists a lower starting price
NTUC Income travel insurance
Giraffy lists two NTUC Income travel plans, both available as single-trip or annual cover.
- NTUC Income Travel Insurance: from S$17 for a single trip, up to S$1m emergency medical cover, worldwide
- Travel Plus: up to S$500,000 medical cover, includes COVID-19 cover
- For comparison: FWD lists travel cover from S$14 and Singlife from S$30
Best for: Travellers who want S$1m of medical cover from a well-known local insurer.
NTUC Income motor insurance
Two comprehensive car policies are listed.
- Motor insurance from S$800 a year, up to 50% no-claim discount
- DriveShield from S$900 a year with lifetime NCD protection
Life, critical illness and accident cover
NTUC Income's protection range on Giraffy is sold direct.
- iTerm Life: from S$12 a month, cover up to S$2M, terms of 5–40 years, no agent needed
- Living Care critical illness: from S$30 a month, lump sum up to S$500,000, 36 conditions
- DIRECT PA: benefit up to S$5,000 a month after a 30-day waiting period
Health, home and pet
NTUC Income also covers hospital bills, HDB homes and pets.
- Enhanced IncomeShield: private-hospital Integrated Shield Plan on top of MediShield Life, with an optional rider
- Home insurance: contents and renovations from S$130 a year (HDB fire insurance covers the structure)
- Pet insurance: from S$20 a month, up to S$10,000 a year, S$100 excess
NTUC Income vs alternatives
NTUC Income vs FWD
Cheaper single-trip travel cover. NTUC Income vs FWD: FWD lists travel cover from S$14 a single trip with up to S$1.5m medical; NTUC Income starts at S$17 with up to S$1m.
NTUC Income vs Singlife
Another digital-first local insurer. NTUC Income vs Singlife: Singlife lists travel cover from S$30 with up to S$500k medical. Compare the cancellation limits for your trip.
NTUC Income vs Great Eastern
Agent-led life and health cover. NTUC Income vs Great Eastern: both sell travel, life and health plans; Great Eastern's travel plan lists up to S$1M medical cover.
NTUC Income in Singapore — FAQ
What does NTUC Income insure?
Giraffy lists NTUC Income policies for travel, motor, home, pet, private hospital cover (Enhanced IncomeShield), term life, critical illness and personal accident insurance in Singapore.
How much is NTUC Income travel insurance?
NTUC Income Travel Insurance is listed from S$17 for a single trip, with up to S$1m emergency medical cover worldwide. An annual plan is also available. The Travel Plus plan lists up to S$500,000 medical cover and includes COVID-19 cover.
Does NTUC Income offer medical insurance?
Yes. Enhanced IncomeShield is NTUC Income's Integrated Shield Plan. It sits on top of MediShield Life and pays for private-hospital treatment; a rider is available to reduce co-payments. Compare it with other Shield plans on Giraffy.
How much is NTUC Income motor insurance?
Comprehensive NTUC Income motor insurance is listed from S$800 a year with up to 50% no-claim discount. DriveShield is listed from S$900 a year and adds lifetime NCD protection.