Frequently Asked Questions

Plus! Protect

General

• Q:Can I purchase both the Plus! Protect Classic and Plus! Protect Prime for myself? update

  A:

  Yes, you can do so. The maximum sum assured for each plan is $300,000.

• Q:Can my husband or wife and I (both Plus! cardholders) each buy the same plan and cover each other?

  A:

  Yes, you can do so. However, the total sum assured for an individual life should not be more than $300,000.

• Q:If I wish to purchase Plus! Protect for my husband or wife and children, is it compulsory for them (if applicable) to be OCBC Plus! or NTUC Plus! Visa cardholder?

  A:

  No, it is only compulsory for you (the main insured) to be the OCBC Plus! or NTUC Plus! Visa cardholder. Cardholder means the principal or supplementary cardholder of at least one valid OCBC Plus! or NTUC Plus! Visa card issued by OCBC Bank.
   
  

  You will need to be insured under Plus! Protect before your husband or wife and children can sign up for the plan.

Product coverage

• Q:If I terminate my OCBC Plus! or NTUC Plus! Visa card, will my Plus! Protect policy be terminated?

  A:

  Yes, your Plus! Protect policy will be terminated if you terminate your OCBC Plus! or NTUC Plus! Visa card or fail to maintain at least one OCBC Plus! or NTUC Plus! Visa card.

• Q:If I terminate my OCBC Plus! or NTUC Plus! Visa card or my Plus! Protect policy, will my husband or wife and children still be insured under Plus! Protect?

  A:

  No, your husband or wife and children will not be covered under Plus! Protect once you terminate either your OCBC Plus! or NTUC Plus! Visa card or your Plus! Protect policy.

• Q:If I terminate my Plus! Protect policy, will I receive any refund?

  A:

  You can refer to the following table for the refund you will receive.

  Premium payment frequency	Refund
  Monthly	No refund nor surrender value.   Termination of your Plus! Protect policy will only take effect on the next premium due date. You will continue to be covered for the entire month for which the premium had been paid.
  Yearly	No surrender value.   Termination of your Plus! Protect policy will only take effect on the next month. We will refund you the premium paid in advance for the remaining months. You will continue to be covered until the end of that month for which the event of termination occurs.

• Q:What are the general exclusions for Plus! Protect?

  A:

  The list of exclusions are as follow:

  Coverage	Exclusions
  Death	Suicide or attempted suicide, whether sane or insane, within one year from the start date or the reinstatement date, whichever is later.
  Total and permanent disability before the age of 65	Self-inflicted injury
  Partial and permanent disability due to an accident before the age of 65	We do not pay if the partial and permanent disability is caused directly or indirectly, totally or partly by: self-inflicted injuries, suicide or attempted suicide while sane or insane; any pre-existing condition relating directly or indirectly to the loss or where the insured received medical treatment or asked for medical advice (which relates directly or indirectly to the loss) before the start date of the insured’s cover; war (declared or not), revolution or any war-like operation; military or naval service in time of war, or while under order for warlike operations or to restore public order; or racing on wheels.
  Terminal illness	We do not pay if the insured’s terminal illness is caused directly or indirectly, totally or partly, by: self-inflicted injuries or illness; the influence or deliberate misuse of drugs or alcohol; any pre-existing condition relating directly or indirectly to the terminal illness or where the insured received medical treatment or asked for medical advice (which relates directly or indirectly to the terminal illness) before the start date of the insured’s cover; or acquired immunodeficiency syndrome (AIDS), AIDS-related complex or infection by human immunodeficiency virus (HIV) except HIV due to blood transfusion and occupationally acquired HIV.   We will not pay if the diagnosis is made within 30 days from the start date or reinstatement date (if any) of the insured’s cover, whichever is later.
  29 critical illnesses	We do not pay if the insured’s critical illness is caused directly or indirectly, totally or partly, by: self-inflicted injuries or illness; the influence or deliberate misuse of drugs or alcohol; an episode of coronary artery or ischaemic heart disease that happens before the start date of the insured’s cover; any pre-existing condition relating directly or indirectly to the critical illness or where the insured received medical treatment or asked for medical advice (which relates directly or indirectly to the critical illness) before the start date of the insured’s cover; or acquired immunodeficiency syndrome (AIDS), AIDS-related complex or infection by human immunodeficiency virus (HIV) except HIV due to blood transfusion and occupationally acquired HIV.   For major cancers, coronary artery bypass surgery, heart attack of specified severity and angioplasty and other invasive treatment for coronary artery, we will not pay if the diagnosis for the first time by a registered medical practitioner is made within 90 days from the start date or reinstatement date (if any) of the insured’s cover, whichever is later.   For the other remaining critical illnesses, we will not pay if the diagnosis for the first time by a registered medical practitioner is made within 30 days from the start date or reinstatement date (if any) of the insured’s cover, whichever is later.

Policy alteration

• Q:How do I increase my sum assured under Plus! Protect?

  A:

  You should note that for any increase in sum assured, your application will be subject to underwriting and the maximum sum assured for an individual life in cases of increasing sum assured.
   
  

  You will need to fill in and sign the Alteration and Declaration of Continued Insurability Form (For Plus! Protect only) for any increase of sum assured.
   
  

  Please mail your completed and signed form to “NTUC Income Insurance Co-operative Limited, Income Centre, 75 Bras Basah Road, Singapore 189557” for the attention of “Group Business – Affinity Schemes”.

• Q:How do I reduce my sum assured under Plus! Protect?

  A:

  You will need to fill in and sign the Alteration and Declaration of Continued Insurability Form (For Plus! Protect only) for any reduction of your sum assured. However, you will not be required to complete the “Declaration of continued insurability questionnaire” section.
   
  

  Please mail your completed and signed form to “NTUC Income Insurance Co-operative Limited, Income Centre, 75 Bras Basah Road, Singapore 189557” for the attention of “Group Business – Affinity Schemes”.

Application & procedure

• Q:I am interested to sign up for Plus! Protect but I am not an OCBC Plus! or NTUC Plus! Visa cardholder, how do I apply for the card?

  A:

  You can apply for OCBC Plus! or NTUC Plus! Visa credit or debit card online on www.ocbc.com/plus. Alternatively, you can apply it at any OCBC branch.
   
  

  If you have questions on OCBC Plus! or NTUC Plus! Visa credit or debit card, you can visit www.ocbc.com/plus or call 1800 820 2020.

• Q:Am I required to go for a medical check up to apply for Plus! Protect?

  A:

  No, you are generally not required to undergo medical check up when you apply for Plus! Protect. However, if our underwriters require a medical check up to underwrite your application, we will inform you in writing.

• Q:If I have a pre-existing illness, will my new application still be accepted?

  A:

  All new applications will be subject to underwriting. Depending on your pre-existing illness, Income may accept your application based on the following terms:
   

  • Reduced sum assured
  • Special terms with exclusions

• Q:What should I do if I wish to include my spouse or children under Plus! Protect?

  A:

  Please note that for any new application, it will be subject to underwriting.
   
  

  You will need to fill in and sign the Plus! Protect Application Form and submit it to “NTUC Income Insurance Co-operative Limited, Income Centre, 75 Bras Basah Road, Singapore 189557” for the attention of “Group Business – Affinity Schemes”.

• Q:Can my spouse and children’s sum assured be higher than mine?

  A:

  No, the sum assured for your husband or wife and children must not be more than your sum assured unless your sum assured is reduced by Income due to underwriting reasons.

• Q:I apply for Plus! Protect for myself, my husband or wife and child but my application is declined due to underwriting reasons. Will my husband or wife and child still be eligible for cover under the plan?

  A:

  Your husband or wife and children will be eligible for cover if you, as the OCBC Plus! or NTUC Plus! Visa credit- or debit-card cardholder, are covered under the same plan. If we decline your application due to underwriting reasons, your husband or wife and child will not be eligible for cover under the plan.

Stayhome

• Q:How do I update my personal particulars? 19MAYCYTEST

  A:

  You can update your particulars via the following options:

  • Fill up, sign and attach documents to the “Change of Personal Particulars” form using your devices (i.e. Mobile, Tablet, and PC). Click here to sign!
  • Log in to me@income. You have the option of retrieving your personal details from MyInfo on the Update Particulars page after logging in.

  
  Required supporting documents:

  • Please provide a clear copy front and back copy of NRIC/FIN card or passport for verification
  • For change of Name, NRIC, or date of birth, please attach a copy of documentary proof (E.g. Copy of deed poll or Updated NRIC).
  • For update of address, if the new address is not reflected in your NRIC, please submit a proof of address (E.g. Bank statements, Telephone/Utility bills, Rental agreement, or Government agency letter (not more than 6 months old)

  For more information, please go to FAQs page and select "Updating of personal particulars" under the "Customer Service" FAQs.

  
  

  TEST 19MAY

XP Test StayHome

• Q:Can I purchase both the Plus! Protect Classic and Plus! Protect Prime for myself? update

  A:

  Yes, you can do so. The maximum sum assured for each plan is $300,000.

XP Test Go Outside

• Q:How much is payable for the accidental fractures benefit? 642

  A:

  The accidental fracture benefit provides an additional payout in the event of a fracture resulting from an accident during the term of the policy. The level of payout is dependent on the site of fracture, as specified below.

  Site of fracture requiring surgical intervention	Benefit payable
  Fracture of the Hip, Pelvis, Thigh, Lower Leg Fracture of the Skull	20% of sum assured
  Fracture of the Elbow or Arm (including wrist and Colles type fracture of the lower arm)	10% of sum assured

  
  

  The fracture must involve surgical intervention where regional or general anaesthesia is administered. Fracture intervention through cast or immobilization is not a covered benefit.  Hairline fractures are not covered under the benefit.

  The maximum benefit payable is 20% of sum assured. Once 20% of the sum assured is paid, this benefit will end. When the maximum benefit has been paid, the benefit will not be paid again when the policy is renewed. However, if there is a balance of 10% of the sum assured unclaimed and the policy is due for renewal, it will be renewed with only the remaining 10% of the benefit.

  We will pay this benefit only if the surgery happens within 30 days of the accident. The benefit terminates thereafter once this benefit is claimed in full. Upon future renewals, the accidental fractures benefit will not be reinstated.

• Q:Why introduce the IncomeShield Private Specialist Panel? 321

  A:

  The Panel offers those insured under IncomeShield easy access to a team of reputable and qualified medical specialists in private practice across various specialties, conveniently located island-wide.

  The introduction of the Panel shows Income’s commitment to ensure that our health insurance remains accessible, affordable and sustainable for everyone in Singapore. It is also aligned with recommendations by the Health Insurance Task Force to encourage all stakeholders to play a more active role in managing medical care costs and be part of the collective effort to keep healthcare and health insurance accessible and sustainable in Singapore.

  
  

  Test Purging update