ORANGE HEALTH PROGRAMME
Insurance co-operative NTUC Income's Orange Health programme, which was launched in May 2015, rewards people who keep themselves healthy.
It comprises a low-cost health screening offering and an Orange Health app that enables consumers to keep tabs on their health status, medical appointments and insurance details.
The app also allows users to keep track of the medical habits of their dependants while the Caregiver function lets the assigned caregiver get notifications when the user acknowledges his alarms for taking medication and medical appointments. This offers caregivers greater peace of mind, especially when they are at work and unable to keep an eye on their loved ones.
ORANGE HEALTH SCREENING
This is a low-cost medical check-up programme that rewards you for staying healthy. The screening costs $15 and it rewards you if your test results are within the acceptable range for four health markers - Body Mass Index, blood pressure, fasting blood glucose and cholesterol. The four tests are recommended by the Health Promotion Board for general health screening.
Those who are insured under IncomeShield plan, Enhanced IncomeShield plan or IncomeShield Standard plan and pass all four tests will receive a $50 shopping voucher. They can undergo the same test each year and get the same reward if their results are good.
Early detection of illness through the tailored age-appropriate health screening can help people better take charge of their health and well-being.
'' MR MARCUS CHEW, Income's chief marketing officer.
Those who are not insured under any of the three plans will receive a $50 discount off their first-year premiums if they sign up for Enhanced IncomeShield or IncomeShield Standard Plan within six months of the screening test date.
NEW HEALTH PLAN
The Lady 360 plan covers women against critical illnesses. It was recently launched as part of Income's Women's Campaign.
Mr Marcus Chew, Income's chief marketing officer, said the target customers are women in their 20s and 30s who are looking for an affordable, female-specific protection plan that can accompany them throughout their lives as the benefits provide coverage as the policyholder ages.
Osteoporotic factures, for example, are more prevalent among older women so the plan offers a tailored biennial health check that include age-appropriate screenings such as breast mammogram for those above 40.
The plan complements existing insurance coverage, such as sur- gery for polycystic ovarian syndrome, which would not have been payable under an Integrated Shield hospitalisation plan as it is fertility-related.
It also offers cover to women who want benefits such as eggs freezing, gene profiling for breast cancer, outpatient psychiatric treatment and hormone replacement therapy.
Mr Chew says: "Early detection of illness through the tailored age-appropriate health screening can help people better take charge of their health and well-being.
"Lady 360 can be a complementary plan for a woman who does not have early-stage critical illness coverage as it provides comprehensive coverage for early-stage cancers of the breasts and reproductive organs."
He adds that it is recommended that critical illness coverage should be at least three times your annual income to protect against income loss as a result of a critical illness.
A lump-sum payout to plug the loss of income will be made if the policyholder needs to stop work as a result of the illness.
The monthly premium for a 10-year renewable policy held by a 35-year-old is $15.78 for every $10,000 assured. So for a sum assured of $25,000, the premium is $39.45 a month. The premium will be adjusted according to the age at renewal.