The Income Difference

The Income Difference

NTUC Income. Made Different.

We are a co-operative where, quite simply, people come before profits. Our values set us apart from other insurance companies. They are what make us different.

Our philosophy

As a social enterprise, we are committed to making insurance and protection available to all segments of society. We work to provide insurance plans that cater to a wide range of needs and that benefit Singaporeans regardless of their financial standing.

We believe that there's no better time than now to start planning and investing for tomorrow. Insurance and financial planning can be unfamiliar to many people. So we are here to help you build your future the way you like. To learn about some of our initiatives, visit

We are committed to making insurance simple and easy to understand for everyone. Our policy contracts are worded in plain English and endorsed with Crystal Mark, an international seal of approval for the clarity of a document. NTUC Income (Income) is the first insurance company in Asia to undertake a major Crystal Mark initiative.

Our financial planners’ behaviours and practices are predicated on a unique code of conduct. We believe in being honest and transparent with our customers and recommending solutions based on our customers’ needs.

Our financial planners are also constantly on a lookout for ways they can reach out to the uninsured and underinsured with affordable plans. Every year, we recognise and reward advisers who have reached out to such customers with the Orange Heart Award.

In recent years, we have launched a series of initiatives and innovations designed to meet Singaporeans' future needs. We were the first in the market to offer SpecialCare, a product targetted at special-needs communities who have been previously denied coverage. Orange Force, launched in 2011, was an industry-first accident response team, aimed at assisting distressed road users at accident scenes. In 2014, we launched Orange Eye, an in-car camera application which protects drivers on their daily commute.

Above all, we aim to serve our customers with utmost professionalism and integrity. We adopt the following core values:
  • We take care of your financial needs and give you peace of mind.
  • We treat you with care, fairness and respect.
  • We listen and communicate with you actively.
  • We will set things right if something goes wrong.
  • We conduct our business with the highest standards of integrity.
  • We will be fair in all our dealings with you.
View testimonials from our policyholders

Social impact initiatives

The Income Family Micro-Insurance Scheme is a free insurance scheme aimed at assisting lower income households with young children during times of crisis.

SilverCare is an affordable, specially designed living assistance plan for the elderly. The plan covers basic accidental risks that the elderly are prone to on a daily basis. SilverCare is part of our efforts to meet the needs of a fast-ageing society.

SpecialCare (Autism) and SpecialCare (Down Syndrome) provide coverage for children and young persons with special needs, who are usually denied insurance. The plans offer protection for medical expenses due to accidents and infectious diseases.

Beyond offering insurance plans, Income also touches the lives of people in our community through OrangeAid initiatives.