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Top Critical Illness Insurance Providers in Singapore

What is critical illness insurance?

Critical illness insurance is a type of insurance policy that provides you with coverage against a list of critical illnesses. Under the Life Insurance Association, there is an official definition of 37 common critical illnesses that are included in most critical illness plans. However, different insurance providers may offer varying levels of coverage with regard to the severity and type of critical illness.

Most Singaporeans are entitled to hospitalisation plans such as Medishield Life or a private integrated shield plan. While this can help to cover some of the medical bills, there are still other expenses that may be incurred in the wake of a serious illness. In some cases, you may need to stop work, hire a domestic helper or even seek alternative treatments that are not covered under a traditional health insurance policy. A critical illness insurance plan helps to alleviate some of that financial burden by paying out a lump sum.

As such, it is crucial to purchase a critical illness insurance plan to supplement your existing health insurance or personal accident insurance to provide you with some financial cushioning.

When is a good age to purchase critical illness insurance?

Given the increasing life expectancy of Singaporeans, the possibility of critical illnesses is likely to increase within the population. As such, it may be advisable to purchase a critical illness insurance plan early. 

While this may mean that you have to end up paying higher premiums at the early stage of the insurance term, you get to enjoy the benefits of comprehensive insurance coverage. At the same time, when you are young and have fewer or no health complications, the chances of having your insurance policy rejected are lower. 

Types of critical illness insurance policies

Conventional Critical Illness Insurance

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A conventional or basic critical illness insurance plan provides coverage for late stages of critical illness or severe critical illnesses. There is no denying that this type of plan is still useful in helping to cushion the financial impact once the critical illness is diagnosed. 

However, the advancement of medical technology and increased frequency of health screenings facilitate the early detection of certain critical illnesses. If you had purchased a basic critical illness insurance plan, you may not be able to claim any payouts as this does not fall under the category of severe or late stage of critical illness.

Early Coverage Critical Illness Insurance

As its name suggests, early coverage critical illness insurance plan provides you with insurance coverage across all stages of critical illness. Under this type of critical illness insurance plan, you are typically allowed to claim payouts for the early stages of critical illnesses.

For instance, suppose you have been diagnosed with a minor cancer condition whereby the cancer is confined to one location as opposed to a malignant tumour. Under early coverage critical illness insurance, you will be able to claim for this minor cancer condition. Hence, early critical illness insurance can be highly beneficial given that early detection and treatment of a critical illness can help to improve your chances of full recovery and minimise future medical complications.

Single-Pay Critical Illness Insurance

Most conventional or basic critical illness insurance plans work on a single-pay basis. This means that once you have submitted a claim and a lump sum has been paid out upon a critical illness diagnosis, the critical illness insurance plan is terminated.

Multi-Pay Critical Illness Insurance

On the other hand, multi-pay critical illness insurance plans allow you to submit claims multiple times. This will come in handy as some critical illnesses may lead to complications or recur later in life after your first claim. If you had purchased single-pay critical illness insurance, it may be extremely difficult to find another critical illness plan to cover you again given your pre-existing medical conditions. 

Multi-pay critical illness insurance provides several payouts upon diagnosis of the critical illness, which can help you fund early treatment costs as well as long-term medical costs should a relapse or complications arise.

Where to purchase critical illness insurance in Singapore?

Here is a list of insurance providers in Singapore that offer critical illness insurance policies for your healthcare needs.

NTUC Income Top Critical Illness Insurance Providers in Singapore

Insurance Provider

NTUC Income

Speciality
  • Variety of critical illness insurance plans
  • Covers 56 critical illnesses
Pricing Request for quotation
Website https://www.income.com.sg/health-and-personal-accident
Address View branch locations here
Telephone View contact numbers here
Operating Hours Monday – Friday: 8.30am – 6.30pm

NTUC Income provides insurance plans that offer protection against death, total and permanent disability and terminal illnesses with the Advanced Life Accelerator rider add-on.

Some of the insurance products that Income offers include:

  • Star Secure Pro (with the Advanced Life Accelerator rider) – a whole life insurance plan that covers critical illness
  • Cancer Protect – provides insurance against early and advanced-stage cancers alike
  • Silver Protect – for those aged 50 and above
  • Lady 360 – an affordable, comprehensive plan for women

Sing LIfe Top Critical Illness Insurance Providers in Singapore

Insurance Provider

Singlife

Speciality
  • Offers two different plans for different needs
  • Offers both lump-sum payout or multiple payouts
  • Offers Next Day Critical Illness Claim that allows the customer to get the claim processed on the next business day.
Pricing Request for quotation
Website https://singlife.com/protect/critical-illness/
Address 18 Robinson Road, #04-03 Singapore 048547
Telephone  65 6911 1111
Operating Hours Monday – Friday: 9.30am – 5.30pm

More than an insurance company, SingLife with Aviva is a technology-empowered financial services partner.

With more than 300 years of experience in protecting businesses and individuals in Singapore, they aim to provide insurance plans that are well-suited for their client’s unique goals and needs.

Critical Illness Plans

  • My Early Critical Illness Plan II
  • My MultiPay Critical Illness Plan IV
  • MyCoreCI Plan II

 


Tokio Marine Insurance Top Critical Illness Insurance Providers in Singapore

Insurance Provider

Tokio Marine Life Insurance Singapore Ltd.

Speciality
  • Offers regular premium, non-participating multi-claim Critical Illness plan
  • Multiple payouts across early, intermediate and advanced stage critical illnesses
  • Allows for 2 advanced-stage critical illness claims
  • Allows for 2 additional claims for major cancer
  • The total payout of up to 900% of the sum assured
  • Additional coverage for 10 Special Conditions1 and 10 Juvenile Conditions2
Pricing Request for quotation
Website https://www.tokiomarine.com/sg/en/personal/protect/protect-your-health/tm-multicare.html
Address 20 McCallum Street #04-02, Tokio Marine Centre, Singapore 069046
Telephone 65 6592 6100
Operating Hours Mondays to Fridays, 8.45am to 5.45pm

Tokio Marine Life Insurance Singapore Ltd. is one of the country’s premier life insurance providers. Established in Japan more than 140 years ago, Tokio Marine is one of the world’s oldest and largest insurance groups.

TM MultiCare, their insurance plan for critical illnesses, is ideal for those who want:

  • Comprehensive coverage for critical illnesses (early, intermediate and advanced stages)
  • Continual coverage even after a critical illness claim has been lodged
  • A supplemental plan that offers financial support upon the diagnosis of a critical illness

 


AXA Top Critical Illness Insurance Providers in Singapore

Insurance Provider

AXA

Speciality
  • Affordable multi-pay plan
  • Total coverage of up to 600% sum assured
  • Free diabetes care programme
Pricing Request for quotation
Website https://www.axa.com.sg/life-insurance/axasupercriticare
Address 8 Shenton Way, #24-01 AXA Tower, Singapore 068811
Telephone 1800 880 4888
Operating Hours 9:00am – 5:30pm, Monday – Friday

AXA is a well-known insurance company the world over, with presence in 62 countries around the globe. They offer protection for properties, assets, and people.

AXA Super CritiCare, their critical illness insurance product, is available as a standalone plan or as a rider or add-on to selected AXA insurance plans.

Features

  • Unlimited claims payout
  • Coverage for re-diagnosed cancer, recurrent heart attack and stroke
  • Complimentary care programme for diabetes patients
  • Death benefit

 


AIA Top Critical Illness Insurance Providers in Singapore

Insurance Provider

AIA Singapore

Speciality
  • 175 conditions covered
  • ‘Pre-early’ plus special benefits (up to 10 claims)
  • Multi-pay structure with up to 500% total coverage
  • Offers one of the most comprehensive critical illness plans
Pricing Request for quotation
Website https://www.aia.com.sg/en/our-products/critical-illness-protection.html
Address 1 Robinson Rd, AIA Tower, Singapore 048542
Telephone 65 1800 248 8000
Operating Hours Monday – Friday, 8:45 AM – 5:30 PM

AIA Singapore has been serving generations of Singaporeans since its establishment in 1931. Their mission is to meet their customers’ ever evolving needs in order for them to live healthier, longer, better lives.

With almost a century of serving Asia-Pacific, AIA is one of the key insurance providers in the region.

Insurance Plans for Critical Illness

  • AIA Absolute Critical Cover
  • AIA Multistage Critical Protector
  • AIA Multistage Cancer Cover
  • AIA Beyond Critical Care
  • AIA Glow of Life
  • AIA Prime Critical Cover
  • AIA Diabetes Care

 


Manulife vTop Critical Illness Insurance Providers in Singapore

Insurance Provider

Manulife

Speciality
  • Receive 100% of the sum insured for subsequent advanced-stage major cancer conditions
  • In the event of death, premiums paid will be returned in full, after deduction of any claim payouts
Pricing Request for quotation
Website https://www.manulife.com.sg/en/solutions/health/critical-illness/ready-complete-care.html
Address 8 #01-01A, Cross St, Manulife Tower, Singapore 048424
Telephone
65 6833 8188
Operating Hours Monday – Friday, 9:00 AM – 6:00 PM

Established in 1899, Manulife Singapore provides insurance, retirement, and wealth management solutions to support the financial needs of its customers throughout the different stages of life. Their products are easily accessible via their extensive distribution network.

Manulife’s Ready CompleteCare includes:

  • Coverage for 106 conditions of all stages, from early to intermediate and advanced
  • The option to restart your coverage over and over again, even after you have made a claim, even after you’ve made a claim
  • Free coverage for your child in the event of advanced stage critical illness
  • Free health check (transferable) every 2 years

 


Great Eastern Top Critical Illness Insurance Providers in Singapore

Insurance Provider

Great Eastern

Speciality
  • Free coverage for your children up to 25% sum assured (plus 25 juvenile conditions
  • Affordable premiums for level of coverage
  • Riders can be purchased to extend coverage to parents
Pricing Request for quotation
Website https://www.greateasternlife.com/sg/en/personal-insurance/our-products/life-insurance/great-family-care.html
Address
1 Pickering Street #01-01, Great Eastern Centre, Singapore 048659
Telephone 65 6248 2211
Operating Hours Mon – Fri, 9.00am to 5.30pm

Since 1908, Great Eastern has protected its customers from life’s uncertainties and helped them thrive. They believe that through their innovative products and solutions, they can help their clients achieve the greatest version of themselves.

Their critical illness insurance, GREAT Family Care, includes:

  • Coverage against critical illness
  • Coverage against death
  • Coverage against total and permanent disability
  • Free protection against critical illness and juvenile conditions for your children
  • Option to enhance coverage for your parents

 


MSIG Top Critical Illness Insurance Providers in Singapore

Insurance Provider

MSIG Singapore

Speciality
  • Exclusive Cancer care coverage
  • Receive full payment of $100,000 if the insured is diagnosed with Major Cancer.
  • Receive $50,000 pay-out if insured is diagnosed with early stage Cancer
Pricing Request for quotation
Website https://www.msig.com.sg/insurance/personal-insurance#health
Address 4 Shenton Way #21‑01 SGX Centre 2, Singapore 068807
Telephone 65 6827 7660
Operating Hours 8:45am to 5:30pm, Monday to Fridays

With a solid presence in Singapore spanning more than 100 years, MSIG Insurance (Singapore) Pte. Ltd. is one of the leading general insurers in the country.

The only critical illness insurance they have is the CancerCare Plus insurance plan. Its key features are:

  • Automatic renewal even after payout of Accelerated Benefit for early-stage cancer
  • Affordable premiums – choose between monthly and annual payment options
  • Immediate policy issuance – straightforward online application process can be completed in three steps

 


Etiqa Top Critical Illness Insurance Providers in Singapore

Insurance Provider

Etiqa

Speciality
  • Coverage against 37 critical illnesses and having the flexibility to accelerate the payout
  • Continue policy without paying premiums  upon diagnosis with any of the 37 covered critical illness
  • Get protected for early, intermediate, or severe stages of critical illnesses
Pricing Request for quotation
Website https://www.etiqa.com.sg/personal/life-insurance/life-protection/
Address 16 Raffles Quay, Hong Leong Building, #01-04A, Singapore 048581
Telephone 65 6887 8777
Operating Hours Mon – Fri, 8.30am – 5.30pm

In business for more than 55 years, Etiqa is a life and general insurance firm in Singapore that has been rated ‘A’ by credit rating agency Fitch in 2022.

Etiqa is the insurance arm of Maybank Group, which is Southeast Asia’s fourth largest bank.

Key Insurance Plans (Critical Illness)

  • Essential Cancer Care
  • 3 Plus Critical Illness
  • Tiq Cancer Insurance

Prudential Top Critical Illness Insurance Providers in Singapore

Insurance Provider

Prudential Singapore

Speciality
  • Claim up to 300% of basic coverage amount (Sum Assured) and for multiple illnesses
  • Financial protection against critical illness, death and total and permanent disability
  • Flexibility to convert to a new plan without proof of good health
Pricing Request for quotation
Website https://www.prudential.com.sg/products/health-insurance/critical-illness
Address 5 Straits View #01-18/19, Marina One The Heart, Singapore 018935
Telephone 1800 333 0333
Operating Hours Mondays to Fridays, 9:00am to 4:00pm (By Appointment Only)

Prudential Assurance Company Singapore (PACS) has been delivering innovative insurance products and professional advisory for the last 90 years in Singapore. They are one of the largest life insurance companies in the region, with approximately 1 million customers.

The PRUActive Protect plan is a critical illness insurance plan that you can customise. Designed to help you prepare for challenges in every stage of your life, this flexible plan offers you the option to add coverage against early-stage, recurring, and relapse conditions.

Other critical illness insurance plans from PRU:

  • PRUCancer 360
  • PRUEarly Stage Crisis Cover
  • PRUSafe Prostrate Cancer
  • PRUSafe Breast Cancer
  • PRULady
  • PRUMan
  • PruVital Cover
  • PruMum

FWD Top Critical Illness Insurance Providers in Singapore

Insurance Provider

FWD

Speciality
  • Highly affordable premiums
  • Additional S$20,000 death benefit
  • Full payout for all stages of cancer, Heart Attack of Specified Severity or Stroke with Permanent Neurological Deficit
Pricing Request for quotation
Website https://www.fwd.com.sg/big-3-critical-illness/
Address 6 Temasek Boulevard, #18-01 Suntec Tower Four, Singapore 038986
Telephone 65 6820 8888
Operating Hours Monday to Friday: 9:00am – 6:00pm

FWD opened offices in Singapore in 2016. Its mission is to create new customer experiences by offering products that are easy to understand. FWD aspires to be a major pan-Asian insurer that transforms people’s perceptions of insurance through its customer-focused approach.

  • Big 3 Critical Illness insurance
  • Critical Illness Plus insurance
  • Cancer insurance
  • Heart attack insurance
  • Stroke Insurance
  • FWD Recover First

 


China Life Top Critical Illness Insurance Providers in Singapore

Insurance Provider

China Life Insurance

Speciality
  • Waives all future premiums due under the basic plan and its riders (if applicable) for the remaining term of this rider if CI is diagnosed before the policy owner’s 76th birthday
  • Cover 36 critical illnesses
Pricing Request for quotation
Website https://www.chinalife.com.sg/en/riders/China-Life-Critical-Care-Rider/DIRECT-China-Life-Critical-Care-Rider
Address 1 Raffles Place #46-00, One Raffles Place Tower 1, Singapore 048616
Telephone 65 6727 4820
Operating Hours Mon – Fri: 9am – 5.30pm

China Life (Singapore) was established in 2015 and is part of the largest state-owned financial insurance corporation in China, China Life Insurance (Group) Company (“China Life”). China Life has been a Fortune Global 500 company for 20 years.

In December 2021, China Life was given a rating of “A1” (insurance financial strength rating) by Moody and “A” (long-term local currency issuer credit rating and insurer financial strength rating) by Standard & Poor.

China Life offers riders that provide coverage for critical illnesses, namely:

  • China Life Critical Care Rider
  • DIRECT-China Life Critical Care Rider

 


AIG Top Critical Illness Insurance Providers in Singapore

Insurance Provider

AIG

Speciality
  • Provides flexibility to choose coverage with add-ons
  • Flexibility to customise the plan by simply choosing the desired level of coverage and refining it to suit lifestyle needs
  • Children will enjoy free coverage of up to 25% of selected benefits
Pricing Request for quotation
Website https://www.aig.sg/personal/sapphire-enhanced/critical-illness
Address 78 Shenton Way, Level 1, Singapore 079120
Telephone 65 6419 3000
Operating Hours Mondays to Fridays: 8am to 6.30pm

Since 1953, AIG Asia Pacific Insurance Pte. Ltd. has been providing services to individuals and corporate clients in Singapore. They are one of the leading general insurance firms in the country, helping their clients stay ahead of risk while also partnering with them in times of need.

Their add-on product for critical illnesses provides up to S$80,000 coverage for major diseases, namely:

  • Cancer
  • Heart attack
  • Stroke
  • Kidney failure, and
  • Coronary artery bypass surgery

 


China Taiping Top Critical Illness Insurance Providers in Singapore

Insurance Provider

China Taiping Insurance Singapore

Speciality
  • Immediate guaranteed coverage of up to 4x of your basic sum assured
  • Option to extend Basic Guaranteed Benefit for life from 71 or 86 years
  • Optional Critical Illness benefits cover up to 161 conditions across various stages
Pricing Request for quotation
Website https://www.sg.cntaiping.com/
Address 3 Anson Road #16-00, Springleaf Tower Singapore 079909
Contact Tel: 65 6389 6111

Email: [email protected]

Operating Hours Monday to Friday, 8:45am to 5:30pm

China Taiping Insurance (Singapore) Pte. Ltd. has been operating in Singapore since 1938. For more than 80 years, they have provided life and general insurance for both corporate and individual customers.

They offer insurance protection plans with optional add-on riders for critical illness coverage, namely:

i-Protect

  • A term plan with an affordable premium that can serve as an income replacement or a legacy for beneficiaries
  • With optional EarlyCare Rider, which covers up to 149 conditions

i-Secure Legacy

  • A whole life plan that provides lifetime coverage against Death, Terminal Illness, and Total and Permanent Disability
  • Accumulates cash values and bonuses throughout the policy term
  • With optional Whole Life Critical Illness rider covering 161 conditions

 


HL Top Critical Illness Insurance Providers in Singapore

Insurance Provider

HL Assurance

Speciality
  • High coverage of up to S$2 million for all 37 critical illnesses
  • Comes with a free health screening once a year at their medical panel to make the protection complete.
Pricing Request for quotation
Website https://www.hlas.com.sg/
Address 11 Keppel Road, #11-01 ABI Plaza, Singapore 089057
Telephone 65 6702 0202
Operating Hours Mondays – Fridays: 9 a.m. – 6 p.m.

HL Assurance is a member of Hong Leong Financial Group, which provides various financial services in Malaysia, Singapore, China, Hong Kong and Vietnam, such as:

  • Banking,
  • Treasury,
  • Insurance,
  • Fund management,
  • Investment banking,
  • Capital markets, and
  • Stock-broking.

HL Assurance exists to consistently provide goods and services of the highest quality at affordable prices. They provide two insurance plans covering critical illnesses:

  1. EarlyProtect360
  2. Critical Illness Protect 360

HSBC Top Critical Illness Insurance Providers in Singapore

Insurance Provider

HSBC Insurance

Speciality
  • Enjoy comprehensive coverage against a wide range of illnesses of up to 102 illnesses
  • Provides 100% payout even for early stage critical illness
  • Covers illnesses not typical in Singapore including Dengue Haemorrhagic Fever, Diabetic Retinopathy, Osteoporosis and Severe Rheumatoid Arthritis.
Pricing Request for quotation
Website https://www.insurance.hsbc.com.sg/protection/products/early-critical-care/
Address View branch locations here
Telephone Contact details here
Operating Hours View branch opening hours here

HSBC Life offers a full suite of insurance products designed to support you to save, invest, protect, and leave a legacy.

As part of the renowned HSBC Group, HSBC Life provides products and services secured by HSBC’s financial backbone, which has been strengthened by its more than 150 years of experience in building relationships.

For critical illnesses, they offer Early Critical Care, which features:

  • Coverage for 102 conditions, including some illnesses not commonly insured in Singapore
  • 100% payout even for early-stage critical illness
  • Affordable premiums and comprehensive coverage

 


Key considerations when purchasing critical illness insurance

When it comes to purchasing a critical illness plan, there is no such thing as a one-solution-fits-all. After all, every individual has varying medical backgrounds and may look for different types of insurance coverage and protection.

Hence, when planning out your critical illness insurance plan, here are some factors to consider:

How much coverage should I get?

The amount of insurance coverage that you need for your critical illness insurance plan is dependent on your monthly living expenses. Besides having to continue paying for your current lifestyle, such as electricity bills, home loans or children’s education, you will also need to factor in additional expenses spent on medical treatments that you need. Hence, most experts recommend a minimum coverage of 60 months or 5 years.

Which plan is suitable for me?

There are various types of critical illness insurance plans and the type of plan offered is dependent on the insurance provider. Hence, it is entirely up to you to decide which type of critical illness insurance plan you are comfortable with – be it a single-pay or multi-pay critical illness insurance plan.

Some insurance providers may only offer single-pay critical illness insurance plans while others may offer both options. As a rule of thumb, do your due research to understand the various types of critical illness insurance plans offered by different insurance providers.

How will my family’s medical history affect the coverage?

Your family’s medical history may affect the type of critical illness insurance plan that you receive or even the insurance coverage. For instance, if your family has a history of cancer, you may want to opt for a multi-pay critical illness insurance plan since there is a high likelihood of cancer recurring within your family.

What are my budget and needs?

Finally, insurance policies are a long-term investment and commitment. Have a budget in mind and a premium amount that you are comfortable with paying over a regular period of time. Review your insurance needs regularly with your financial advisor to ensure that your critical illness insurance coverage meets your lifestyle needs.


Best Critical Illness Insurance Plans in Singapore:

Plan

Yearly Premium

 Features

Note

Power Critical Cover Coverage to age 75: $3,328

Protection to mortality of 100: $4,886 – Insures 175 conditions (including 10 pre-conditions, 150 multi-stage critical illnesses, 15 exceptional conditions)

– Insures at detection of Type 2 diabetes
Aviva Singlife Essential Critical Illness $2,032 – 14 critical illnesses plus 4 diabetic conditions – Insures pre-existing conditions (Diabetes, 3 highs – high BP, cholesterol and BMI)

– Receive reimbursement: 20% of total premiums if no claim is made
Premium applies for protection until age 65

MultiPay  CI III $2,368 – Up to 5 lump
Bulk reimbursement upon detection of
Cancer across Early, Intermediate or Severe Stages
– Up to 2 reimbursements if re-detection of
Cancer or impairment from renewed heart attack or stroke
FWD Cancer Insurance & Medical Cover $388 100% reimbursement for any manifestation of cancer, including developmental stages Exclusive cancer insurance, excludes dual-ownership of this insurance plan and Big 3 Critical Illness plan simultaneously
Big 3 Critical Illness $370 Insures 90% of all critical illnesses at a third of the cost of normal critical illness plans Exclusive insurance for cancer, heart attack and stroke, excludes dual-ownership of this insurance plan and FWD Cancer insurance simultaneously
Great Eastern Critical Care Advantage $2,010 – Protection of 3 levels of illnesses – early, intermediate and critical  

-Excludes intervals across many claims

– Protection over 92 medical conditions (37 critical illnesses & 7 exceptional conditions)

Manulife Critical SelectCare -Insures inherent, pre-existing health conditions like high blood pressure, high blood sugar, high cholesterol, or diabetes

– Does not require medical check-ups before issue –
Ready CompleteCare – Insures 106 conditions and critical illness for all levels

– ‘Cover Me Again’ choice exists

– Free health check upon two years

Prudential PruCancer 360 $399 (fixed premium over 5 years, contingent upon $300,000 coverage for 27-year-old male) – Insures major cancers regardless of which stage
– Accepts pre-existing conditions (not related to cancer) Only cancer coverage
NTUC Income Cancer Protect $207.20 (Based on $100,000 sum assured) – Claim 25% of the sum reimbursed upon detection of young cancer growth

– Claim up to 125% of the sum guaranteed at detection of late stage cancer – Maximum sum assured is $100,000

Singlife Critical Illness Plan $1029.71 – Protection of 36 terminal critical illnesses

– Death benefit of S$8,000

-Premium is for coverage till age 65

Multi-claim Critical Illness Plan $1138.11 Multiple claims up to 300% of sum assured
Tokio Marine EarlyCover $1,392 – Covers 119 medical conditions or procedures, including 99 CIs, 10 special conditions and 10 juvenile conditions Dismissal of recurring premiums upon young or middle stage of critical illness Premium is for coverage till age 70
Multicare $2,774 – Full reimbursement of up to 900% of sum guaranteed- Protects for 2 advanced stage critical illness reimbursement- Protects for 2 extra reimbursements for terminal cancer

 

AIA

Power Critical Cover

The AIA Power Critical Cover Plan protects wide ranging inclusion of 175 conditions, with 10 pre-conditions, 150 multi-stage critical illnesses, and 15 exceptional conditions.

The 15 exceptional conditions cover:

  • Diabetic Complexities
  • Osteoporosis
  • Severe Rheumatoid Arthritis
  • Dengue Haemorrhagic Fever
  • Mastectomy Due to Carcinoma-In-Situ or Malignant Breast Condition
  • Hysterectomy Due to Cancer
  • Vulvectomy Due to Cancer
  • Severe Gout
  • Necrotising Fasciitis Requiring Surgery
  • Tourette Syndrome (TS)
  • Attention-deficit Hyperactivity Disorder (ADHD)
  • Autism Spectrum Disorder (ASD)
  • Dyslexia
  • Kawasaki Disease With Heart Complications
  • Rheumatic Fever With Heart Involvement
  • This covers a Power Reset Benefit, which refreshes your final claim beyond 12 months.

This therefore permits many claims to be redeemed, of up to 500% the insured sum.

Including similar, parallel critical illnesses, you will received coverage  of twice the insured sum (up to 200%) including the Power Relapse Benefit, if at least 24 months have elapsed from the last paid reimbursement.

This provides for re-detected terminal cancer, repeated heart attack or stroke, and recurring major organ/bone marrow transplantation or heart-valve surgery.

This plan covers, at least two options – AIA Power Critical Cover Value Plan and AIA Power Critical Cover Life Plan.

The Value Plan covers insurance of up to 75 years old, while the Life Plan offers protection of up to 100 years old.

The major distinction is the assured monetary sum that comes with the Life Plan.

 

Aviva

Singlife Essential Critical Illness

The Singlife Essential Critical Illness insures 14 critical illnesses and four diabetic conditions, which insures three new critical illnesses.

Critical Illnesses Insured:

  • Terminal Cancer
  • Heart Attack of Specific Severity
  • Stroke with Permanent Neurological Deficit
  • Blindness (Irreversible Loss of Sight)
  • Coronary Artery By-pass Surgery
  • End-Stage Kidney Failure
  • Other Serious Coronary Artery Disease
  • End-Stage Lung Disease
  • Irreversible Loss of Speech
  • Major Burns
  • Deafness (Irreversible Loss of Hearing) (New)
  • Major Head Trauma (New)
  • Severe Bacterial Meningitis (New)
  • Angioplasty & Other Invasive Treatment For Coronary Artery

This scheme insures inherent health conditions too, inclusive of Type 2 Diabetes, Pre-diabetes, and/or the three Highs (high blood pressure, high cholesterol, and high Body Mass Index (BMI)).

If there has been no filing, you may simultaneously claim to collect 20% of your full premiums reimbursed at the termination of the policy tenure.

 

My MultiPay Critical Illness Plan III

This scheme insures up to five lump-sum reimbursements at detection of terminal illnesses spanning young, middle, or terminal levels.

For young or middle levels, people may claim a lump sum reimbursement of up to 200% cash insured.

 

FWD

Cancer Insurance & Medical Cover

FWD provides a cancer protection scheme which releases a 100% reimbursement of every  level of cancer, including young development.

This protection scheme can purchased in addition to any more existing critical illness schemes, to provide a reimbursement in surplus of any current CI plans you could currently own.

In excess of these, there exist additional chances to seek additional medical referrals, allowing any  diagnoses to be reassessed by senior medical experts.

 

Big 3 Critical Illness

More options that FWD already provides the Big 3 Critical Illness plan, which insures cancer, heart attack & stroke – three of the most prevalent critical illnesses in Singapore.

It is a one off reimbursement insurance coverage, where the fully insured sum will be claimable upon the detection of the covered conditions stated above.

The plan additionally includes with a death reimbursement of S$20,000.

 

Great Eastern

Critical Care Advantage

The Great Eastern Critical Care Advantage protects every level of disease, including young, middle and terminal.

The plan insures full protection of 37 critical illnesses and seven exceptional conditions, which are:

  • Special Conditions
  • Diabetic Complications
  • Severe Rheumatoid Arthritis
  • Severe Osteoporosis with Fractures
  • Severe Dengue Haemorrhagic Fever
  • Systemic Lupus Erythematosus
  • Crohn’s Disease
  • Cancer Recovery

For the young levels, this scheme provides reimbursement of up to $100,000, and for middle levels, there could be reimbursement totalling nearly $200,000 fully.

This also excludes any lag period between many claims, which is a bonus reward for this scheme.

 

Manulife

Critical SelectCare

The Critical SelectCare Plan is scheme which could cater to anyone,  covering people with inherent health conditions – which includes high blood pressure, high blood sugar, high cholesterol, or diabetes.

Each person receives coverage for specific critical illnesses and special conditions of up to $25,000 for every diagnosed condition.

  • Critical Illnesses
  • Heart Attack of Specified Severity
  • Major Cancers
  • Stroke
  • Alzheimer’s Disease/ Severe Dementia
  • Parkinson’s Disease
  • End-Stage Lung Disease
  • Fractures of Specified Sites as a Result of an Accident
  • Special Conditions
  • Osteoporosis with Fracture
  • Severe Rheumatoid Arthritis

In absence of claims dispatched in the policy tenure, policyholders may claim a reimbursement of 25% of the total premiums at the termination of the policy.

 

Ready CompleteCare

The Manulife Ready CompleteCare Plan insures 106 conditions and critical illness for every disease.

It additionally insures 18 exceptional conditions totalling to $25,000 per reimbursement , potentially totalling to six claims.

This scheme insures a ‘Cover Me Again’ choice, inclusive of potential claims to be claimed 12 months following the last claim, including 100% of the claim insured.

Within this plan, claimants may also claim 200% of the amount covered for 6 major advanced stage critical illnesses.

The 6 major illnesses include:

  • Advanced stage terminal cancer
  • Advanced stage heart attack of specified severity
  • Advanced stage stroke
  • Advanced stage Alzheimer’s disease
  • Advanced stage multiple sclerosis
  • Advanced stage Parkinson’s disease

In addition, this offers bonus protection for your junior in the incident of late stage critical illness.

The plan provides supplementary health check within each two years which is also compensable to your close family

 

NTUC Income

Cancer Protect

Akin to existing FWD Cancer coverage, the NTUC Income Cancer Protect Plan is also a plan that provides cancer insurance.

It insures for beginning to late levels, with exclusion of the full amount guaranteed after every reimbursement, covering young cancer.

No medical examinations are necessary for this scheme. There exists an instantly assured renewal within 10 years.

Additionally, insured persons may claim up to 125% of the amount insured for terminal cancers, in the absence of young claims filed.

If a claim is filed for beginning stage cancer, individuals will reimbursed 100% of the sum insured at detection of terminal stage advanced cancer.

For diagnosis of early-stage cancer, persons may collect 25% of the amount insured.

Additionally, there could be a reimbursement of up to 100% of the sum insured in the occurrence of accidental or non-accidental death.

 

Prudential

PruCancer 360

PruCancer 360 is another protection scheme which protects every cancer, and insures everyl stages with 100% reimbursement.

Protection is additionally provided up to age 100, with the matured renewal age at 95.

Additionally, this plan will extend to people suffering inherent ailments (not related to cancer).

Hence, insured individuals with diabetes, heart issues, other genetic disorders not related to cancer, may adopt this plan.

 

Singlife

Critical Illness Plan

Singlife is a new player in the field, which has now gained prevalence through its insurance protection scheme.

This digital platform covers a full critical illness plan with a once-off reimbursement.

It provides protection of 36 late-stage critical illnesses (LSCIs), with a lump sum of $8000 compensable upon death.

This plan also has a Next Day Critical Illness Claim feature, where claims will be processed on the next business day.

 

Multi-Claim Critical Illness Plan

MuThe Multi-Claim Critical Illness Plan is a developed CI plan that provides many reimbursements.

Additionally, this scheme insures 36 late-stage critical illnesses.

The exception could be many claims of up to 300% of the sum insured is currently at hand for multiple diseases.

 

Tokio Marine

TM EarlyCover

The TM EarlyCover is a critical illness scheme which insures 119 medical conditions or procedures inclusive of 99 critical illnesses (of all stages), 10 special conditions and 10 juvenile conditions:

Special Conditions Juvenile Conditions

  • Angioplasty and Other Invasive Treatment for Coronary Artery Generalised Tetanus
  • Breast Reconstructive Surgery following a Mastectomy Glomerulonephritis with Nephrotic Syndrome
  • Crohn’s Disease Insulin Dependent Diabetes Mellitus
  • Dengue Haemorrhagic Fever Kawasaki Disease
  • Diabetic Complications Osteogenesis Imperfecta
  • Osteoporosis Rabies
  • Pheochromocytoma Rheumatic Fever with Valvular Impairment
  • Severe Rheumatoid Arthritis Severe Haemophilia
  • Ulcerative Colitis Severe Juvenile Rheumatoid Arthritis
  • Wilson’s Disease Type I Juvenile Spinal Amyotrophy

This plan provides three policy tenures: Up to age 70, 75 or 85.

Additionally, there are exemptions of later premiums upon young or late developed levels of  advanced critical illness.

There also exists a lump sum death reimbursement of $20,000, irrespective of whether any claims had been made, or the leftover amount insured.

 

TM MultiCare

The TM MultiCare plan provides for many reimbursements spanning young, middle, and terminal stage critical diseases.

It offers a full reimbursement of up to 900% of the sum insured, in three separate tiers.

Layer 1 and Layer 2 cover critical illness of different stages of severity.

Every tier insures distinct forms of critical illness ailments.

Layer 3 offers bonus benefits for advanced-stage cancer, even when the cancer has advanced, remained or returned.

 

Tokio Marine Multicare

Source: Tokio Marine

Aside from the many reimbursements, it also provides for dual late-stage critical illness claims, and two extra reimbursements for terminal cancers.

Akin to TM EarlyCover, it also insures 10 special conditions and 10 early conditions under Tier 1 and 2.

 

 


Editor’s Note:

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