Trust Bank Singapore, New Digital Bank Freebies!

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Have you applied for your Savings Account or Credit Card with Trust Bank Singapore, Singapore's digital bank backed by a unique partnership between Standard Chartered Bank, and FairPrice Group? REFERRAL CODE: BZACYE0F ( it is a number zero, not letter ) Get $35 worth of free Fairprice vouchers and other freebies by just Downloading the Trust App and Open a Savings Account online with the App, simple/easy within 10mins!: Get free $10 Fairprice E-voucher (no minimum spend at stores/online) by entering this code ( BZACYE0F ) when apply for the Savings Account. Get free 1kg Fairprice Rice voucher Get free Kopitiam Breakfast Toast Set voucher Charge one transaction to your debit card to get free Fairprice $25 voucher (no minimum spend, at stores/online). Hack: Do a funds transfer of $1 or $10 from your own bank to Trustbank savings account. Then Just add your debit card number to Grab App, authenticate with $1 charge/refunded to your saving
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Medishield Life vs Integrated Shield Plans


With the implementation of Medishield Life next month, would I still need my NTUC Enhanced Incomeshield Plan?

Two weeks ago, I had a fall and was sent to SGH A&E by ambulance. Doctors identified a dislocation of my hand at the left shoulder and managed to fix it back for me. Also had a big “bualuku” on my forehead, haha, it is still there now, but subsided somewhat with blueblack mark still there. Last week, doctor found a small fracture at my arm joint location.

I stayed at the observation ward for 1 night, was discharged next day noon, exactly 24 hours from admission. SGH submitted hospitalisation claim to NTUC, now waiting for NTUC to approve the claim. I guess I would be able to claim under NTUC Enhanced Incomeshield Plan (NEIP) for staying at least 24 hours in hospital. Should the claim fail, I would have to pay using my CPF Medisave account.

If I can claim under NEIP, how would I benefit:

  1. I'm covered by a rider which gives me 100% coverage, ie I dun have to pay a single cent for hospitalisation expenses. Under Medishield Life, I would still have to pay for deductibles and coinsurance.
  2. If I stayed at C ward, I'll be paid a daily cash benefit, as I'm entitled to B2 under NEIP.
  3. Now I have to pay SGH SOC for periodic followup checkups and physio. I can claim under NEIP for all outpatient expenses 90 days post hospitalisation. Medishield life does not cover this aspect.

So, I'll still keep my NEIP. However, yearly premiums are increasing. Until my medisave account gets almost depleted or when I reach 75 or 80 or thereabouts when premiums become so high, I'll terminate it and just live with Medishield Life. As by then, I'll enjoy higher hospitalisation subsidy from the government, hahaha.

(Oct 16 - received letter and cheque from NTUC, payment made to SGH and cheque is my daily cash benefit.  Thank you NTUC)

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