Top Critical Illness Insurance Providers in Singapore

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 regards 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 in order 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 are 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

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, with the advancement of medical technology and increased frequency of health screenings, this facilitates 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 for payouts for 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 tumor. Under an 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 a 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 a 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


  • Variety of critical illness insurance plans
  • Covers 29-30 critical illnesses

Request for quotation



View branch locations here


View contact numbers here
Operating Hours

Monday – Friday: 8.30am – 6.30pm


Sing LIfe Top Critical Illness Insurance Providers in Singapore

Insurance Provider



  • Offers two different plans for different needs
  • Offers both lump-sum payout or multiple payouts
  • Offers Next Day Critical Illness Claim such that the customer is able to get claim processed on the next business day.
PricingRequest for quotation

Address18 Robinson Road, #04-03 Singapore 048547


65 6911 1111

Operating Hours

Monday – Friday: 9.30am – 5.30pm


Tokio Marine Insurance Top Critical Illness Insurance Providers in Singapore

Insurance Provider

Tokio Marine Insurance Group


  • 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
  • Total payout of up to 900% of sum assured
  • Additional coverage for 10 Special Conditions1 and 10 Juvenile Conditions2
PricingRequest for quotation

Address20 McCallum Street #04-02, Tokio Marine Centre, Singapore 069046


65 6592 6100

Operating Hours

Mondays to Fridays, 8.45am to 5.45pm


AXA Top Critical Illness Insurance Providers in Singapore

Insurance Provider



  • Affordable multi-pay plan
  • Total coverage of up to 600% sum assured
  • Free diabetes care programme

Request for quotation


8 Shenton Way, #24-01 AXA Tower, Singapore 068811


1800 880 4888

Operating Hours

9:00am – 5:30pm, Monday – Friday


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AIA Top Critical Illness Insurance Providers in Singapore

Insurance Provider



  • 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 plan

Request for quotation



1 Robinson Rd, AIA Tower, Singapore 048542


65 1800 248 8000

Operating Hours

Monday – Friday, 8:45 AM – 5:30 PM


Manulife vTop Critical Illness Insurance Providers in Singapore

Insurance Provider



  • Covers 106 conditions and critical illness for all stages
  • Option to restart your coverage over and over again, even after you have made a claim
  • Receive 100% of 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

Request for quotation


8 #01-01A, Cross St, Manulife Tower, Singapore 048424


65 6833 8188

Operating Hours

Monday – Friday, 9:00 AM – 6:00 PM


Great Eastern Top Critical Illness Insurance Providers in Singapore

Insurance Provider

Great Eastern


  • 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

Request for quotation


1 Pickering Street #01-01, Great Eastern Centre, Singapore 048659


65 6248 2211

Operating Hours

Mon – Fri, 9.00am to 5.30pm


MSIG Top Critical Illness Insurance Providers in Singapore

Insurance Provider

MSIG Singapore


  • Exclusive Cancercare coverage
  • Receive full payment of $100,000 if insured is diagnosed with Major Cancer.
  • Receive $50,000 pay-out if insured is diagnosed with Early Stage Cancer
PricingRequest for quotation

Address4 Shenton Way #21‑01 SGX Centre 2, Singapore 068807


65 6827 7660

Operating Hours

8:45am to 5:30pm, Monday to Fridays


Etiqa Top Critical Illness Insurance Providers in Singapore

Insurance Provider



  • Covered against 37 critical illnesses and having the flexibility to accelerate payout
  • Continue policy without paying premiums  upon diagnosis with any of the 37 covered critical illness
  • Get protected for early, intermediate or severe stage of critical illnesses 

Request for quotation



16 Raffles Quay, Hong Leong Building, #01-04A, Singapore 048581


65 6887 8777

Operating Hours

Mon – Fri, 8.30am – 5.30pm


Prudential Top Critical Illness Insurance Providers in Singapore

Insurance Provider

Prudential Singapore


  • 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

Request for quotation


5 Straits View #01-18/19, Marina One The Heart, Singapore 018935


1800 333 0333

Operating Hours

Mondays to Fridays, 9:00am to 4:00pm (By Appointment Only)


FWD Top Critical Illness Insurance Providers in Singapore

Insurance Provider



  • 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

Request for quotation

Address6 Temasek Boulevard, #18-01 Suntec Tower Four, Singapore 038986


65 6820 8888

Operating Hours

Monday to Friday: 9:00am – 6:00pm


Aviva Top Critical Illness Insurance Providers in Singapore

Insurance Provider



  • Full pay-outs for all stages of diagnosis
  • Additional special conditions benefit that can be claimed up to 6 times
  • Premiums do not increase with age
PricingRequest for quotation

Address4 Shenton Way, SGX Centre, #01-01, Singapore 068807


65 6827 7988

Operating Hours

Mondays to Fridays: 8:45am to 5:30pm


China Life Top Critical Illness Insurance Providers in Singapore

Insurance Provider

China Life Insurance


  • 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
PricingRequest for quotation

Address1 Raffles Place #46-00, One Raffles Place Tower 1, Singapore 048616


65 6727 4820

Operating Hours

Mon – Fri: 9am – 5.30pm


AIG Top Critical Illness Insurance Providers in Singapore

Insurance Provider



  • Provides flexibility to choose coverage with add-ons
  • Flexibility to customise plan by simply choosing desired level of coverage and refining it to suit lifestyle needs
  • Children will enjoy free coverage of up to 25% of selected benefits
PricingRequest for quotation

Address78 Shenton Way, Level 1, Singapore 079120


65 6419 3000

Operating Hours

Mondays to Fridays: 8am to 6.30pm


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Zurich Top Critical Illness Insurance Providers in Singapore

Insurance Provider

Zurich Insurance


  • Flexible coverage that adapts to life changes
  • Financial security for dependents
  • Portable multi-currency protection solution
PricingRequest for quotation

Address50 Raffles Place #29-01, Singapore Land Tower, Singapore 048623


65 6236 2210

Operating Hours

Mon – Fri: 9am – 5.30pm


China Taiping Top Critical Illness Insurance Providers in Singapore

Insurance Provider

China Taiping Insurance


  • 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 covering up to 161 conditions across various stages
PricingRequest for quotation

Address3 Anson Road #16-00, Springleaf Tower Singapore 079909


65 6389 6111

Operating Hours

Monday to Friday, 8:45am to 5:30pm 


HL Top Critical Illness Insurance Providers in Singapore

Insurance Provider

HL Assurance


  • 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.
PricingRequest for quotation

Address11 Keppel Road, #11-01 ABI Plaza, Singapore 089057


65 6702 0202

Operating Hours

Mondays – Fridays: 9 a.m – 6 p.m


HSBC Top Critical Illness Insurance Providers in Singapore

Insurance Provider

HSBC Insurance


  • 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.
PricingRequest for quotation

AddressView branch locations here


Contact details here

Operating Hours

View branch opening hours here


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 is 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:


Yearly Premium



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 

AvivaMy Core CI Plan II$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

FWDCancer 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 3Critical 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 EasternCritical 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)

ManulifeCritical 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

PrudentialPruCancer 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 IncomeCancer 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

SinglifeCritical Illness Plan$1029.71

– Protection of 36 terminal critical illnesses

– Death benefit of S$8,000

-Premium is for coverage till age 65

Multi-claimCritical Illness Plan$1138.11

Multiple claims up to 300% of sum assured

Tokio MarineEarlyCover$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



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.



My CoreCI Plan II

The My CoreCI Plan II 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.



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.

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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.



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.


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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.



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:

While every precaution has been made to ensure the accuracy and fairness of this listing, we acknowledge that they may be inaccuracies. Therefore, we urge you to contact the service provider above for the correct information and/or contact us with the correct information.

If you are a service provider and wish to be featured in this listing (MediaOne reviews are read by hundreds of thousands of Singaporeans), please contact us at [email protected]. There is no charge! Please allow us up to 3 working days to review before adjusting the information or including your entry.

Author Bio

Tom Koh is widely recognised as a leading SEO consultant in Asia who has worked to transform the online visibility of the leading organisations such as SingTel, Capitaland, Maybank, P&G, WWF, etc. Recently he was instrumental in consulting for a New York-based US$30B fund in an US$4Bn acquisition. Tom is a Computational Science graduate of the National University of Singapore. In his free time he performs pro-bono community work and traveling.

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