If you’re searching for a specialist on the NTUC Income list of panel doctors, chances are you’re exploring treatment options that are not only medically sound, but also cost-effective. When it comes to managing vascular conditions like varicose veins, dialysis access, or aortic aneurysms, choosing the right surgeon — and the right insurance pairing — makes all the difference.
Dr Darryl Lim, a vascular and endovascular surgeon in Singapore, is a listed panel specialist under NTUC Income’s Enhanced IncomeShield scheme. This means patients who consult him enjoy smoother claims, lower co-payments, and access to pre-authorisation for certain procedures.
Why Choosing a Panel Doctor Matters
NTUC Income categorises medical providers into three groups: Panel, Extended Panel, and Non-Panel. These classifications directly affect your out-of-pocket costs, coverage, and the rider benefits available under IncomeShield.
🩺 Definitions
- Panel / Preferred Partner: These are approved doctors, specialists, hospitals, or institutions recognised by Income Insurance. The list includes all restructured hospitals, community hospitals, and VWO dialysis centres.
- Extended Panel: Specialists not officially on the panel list, but recognised if they meet certain criteria — such as being on another insurer’s panel.
- Non-Panel: Providers who are not listed under either the Panel or Extended Panel groups.
📊 Comparing Coverage Across Panels
Depending on the provider you choose, the benefits under IncomeShield riders may differ. Here’s how coverage compares under the Classic Care and Deluxe Care riders:
| Classic Care Rider | |||
| Benefit | Panel | Extended Panel | Non-Panel |
| Deductible & Co-insurance Coverage | Yes, up to benefit limits | Yes, up to benefit limits | Yes, up to benefit limits |
| Co-payment | 10% | 10% | 10% |
| Co-payment Limit (per policy year) | Up to $3,000 | No limit | No limit |
| Extended Panel & Non-Panel Payment | Not applicable | Up to $2,000/year | Up to $2,000/year |
| Extra Bed Benefit | Up to $80/day (max 10 days) | Up to $80/day (max 10 days) | Up to $80/day (max 10 days) |
| Deluxe Care Rider | |||
| Benefit | Panel | Extended Panel | Non-Panel |
| Deductible & Co-insurance Coverage | Yes, up to benefit limits | Yes, up to benefit limits | Yes, up to benefit limits |
| Co-payment | 5% | 5% | 5% |
| Co-payment Limit (per policy year) | Up to $3,000 | No limit | No limit |
| Extended Panel & Non-Panel Payment | Not applicable | Up to $2,000/year | Up to $2,000/year |
| Extra Bed Benefit | Up to $80/day (max 10 days) | Up to $80/day (max 10 days) | Up to $80/day (max 10 days) |
Note: An additional payment of up to $2,000 per policy year may apply when seeking treatment from Extended Panel or Non-Panel doctors.
Common Vascular Surgery Procedures Eligible for Coverage
Under the NTUC Income panel scheme, a range of vascular surgery procedures may qualify for pre-authorisation and claims support, particularly when performed by a recognised panel doctor like Dr Darryl Lim. These include:
- Varicose Vein Surgery
- Radiofrequency Ablation (RFA)
- ClariVein Procedure
- VenaSeal Closure System
- Sclerotherapy
- AV Fistula Creation and Angioplasty for Haemodialysis
- Endovascular Aneurysm Repair (EVAR) for Aortic Aneurysms
These are often performed using minimally invasive techniques, with patients typically discharged the same day or the next. Choosing a panel doctor ensures a smoother pre-authorisation process and reduces your co-payment obligations, especially when combined with Deluxe or Classic Care riders.
How to Check If Your Doctor Is on the NTUC Income Panel
To confirm whether your specialist is part of the NTUC Income panel:
- Visit the official NTUC Income Specialist Panel Directory
- Search by the doctor’s name or speciality
- Confirm eligibility with your clinic and insurer
Dr Darryl Lim is listed on the NTUC Income panel as a vascular and endovascular surgeon, meaning patients seeing him can enjoy enhanced claims processing, policy benefits, and access to pre- and post-hospitalisation coverage.
Final Word
If you’re planning a vascular procedure, selecting a doctor from the NTUC Income list of panel doctors like Dr Darryl Lim allows you to take full advantage of your IncomeShield coverage. From reduced co-payments to streamlined claims, it’s a smart way to manage both your health and your healthcare costs.
To find out more or to book an appointment, you can reach out directly to Dr Lim’s clinic or speak with your insurer about starting the pre-authorisation process.
FAQ
How do I find NTUC Income panel doctors?
You can find the updated panel doctor list on the NTUC Income website or via the My Income mobile app.
Is Dr. Darryl Lim part of the NTUC panel?
Yes. Dr. Lim accepts NTUC Income patients and can assist with pre-authorisation and claims.
Do I need a referral to see a panel specialist?
Not always. While some specialists require a referral from a GP, others can be booked directly. It is best to clarify your policy with your insurance agent.
What if my doctor isn’t on the panel?
You may still be able to claim under your policy, but with higher co-payments and more limited benefits.
