Singlife Multipay Critical Illness

(Previously known as My MultiPay Critical Illness Plan IV)
A plan that provides multiple payouts for different stages of critical illnesses and medical conditions, so you are supported at every unexpected turn

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Always stay protected financially

Singlife Multipay Critical Illness is a plan that keeps supporting you financially through different stages of critical illnesses and recurrences of specified critical illnesses, so that you can focus on your recovery, worry-free.

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Duration of coverage

Choose your coverage period – from 10 years, until you’re 99 years of age (in one-year intervals) – and the currency of your coverage amount4.

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Comprehensive cover

Get covered for 132 conditions and across early, intermediate and severe stages of critical illnesses5 plus specified recurrent critical illnesses.

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Multiple payouts

A total payout of up to 900% of your sum assured for critical illnesses in multiple payouts. Stop paying premiums once you've got at least 300% of your sum assured.

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Option to access funds earlier

Have the option to turn your Recurrent Critical Illness Benefit into an extra payout6.

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Posthumous lump-sum payout for family

If you die, your loved ones will receive a lump-sum payout of S$5,000. 

Payout for special conditions

An amount equivalent to 20% of your sum assured, up to S$25,000 per life, per condition is applicable:

  • 01
    Tumors

    When a borderline malignant tumour or benign tumour (with suspected malignancy) requires surgical removal7.

  • 02
    Intensive Care

    When you require a stay in the Intensive Care Unit (ICU) of 4 days or more in one hospital admission8

  • 03
    Special Benefit

    When you are diagnosed with one of the 27 covered conditions under the Special Benefit9 (payout is per condition). 

Did you know?

Life can hit you with the unexpected. But you can stay ahead and be protected for you and your family.

  • 01
    Breast cancer

    Stage 3B breast cancer patients face a 70-90% chance of recurrence in 10 years1.

  • 02
    Stroke

    4 in 10 stroke patients will suffer another stroke within the next 10 years2.

  • 03
    Colorectal cancer

    8 out of 10 colorectal cancer patients who suffer a recurrence develop cancer that involves the liver3.

Important Notes

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All ages mentioned refer to age next birthday.
 

  1. Source: The Straits Times© Singapore Press Holdings Limited. Extracted with permission. “Breast cancer: Understanding the most common cancer for women in Singapore”, 6 August 2016.

  2. Source: Stroke: Controlling Risk Factors, Health Hub, retrieved on 14 July 2020 from https://www.healthhub.sg/a-z/medical-and-care-facilities/66/stroke-controllable-risks.

  3. Source: The Straits Times© Singapore Press Holdings Limited. Extracted with permission. “Singapore team finds way to spot cancer early”, 21 March 2015.

  4. If your coverage amount is not in Singapore dollars, any benefit limit stated in Singapore dollars will be converted to the equivalent amount in your chosen currency, based on our currency conversion rates.

  5. Please refer to the Product Summary for the complete list of early, intermediate and severe stage critical illnesses covered under this plan.

  6. You may exercise the Advance Care Option if the Life Assured is diagnosed with any one of the eligible Severe Stage Critical Illnesses specified under this option, and if the claim is the first Severe Stage Critical Illness Benefit claim made under the Critical Illness Benefit. If this option is exercised and your claim is admitted, an additional 100% of the Sum Assured will be payable in one lump sum on top of the Severe Stage Critical Illness Benefit claim payable under the Critical Illness Benefit; and the Recurrent Critical Illness Benefit shall cease. Survival period is applicable to this option. Please refer to the Product Summary for more details on the terms and conditions for the Advance Care Option.

  7. Only one claim is allowed under this benefit. This benefit shall cease on the date on which a claim is made, on the Policy Anniversary in which the Life Assured is 85 years old or upon the expiry of the Policy, whichever is earliest. Waiting period and survival period are applicable to this benefit. Please refer to the Product Summary for more details on the benefit terms and conditions, including the definitions of Benign Tumour (suspected malignancy) requiring surgical excision, as well as Borderline Malignant Tumour.

  8. Only one claim is allowed under this benefit. The Intensive Care Unit (ICU) stay of four days or more must be in one hospital admission in Singapore, and it must be confirmed as Necessary Medical Treatment. A stay in the ICU will not be considered as necessary if the Life Assured can be safely and adequately treated in any other facility. This benefit shall cease on the date on which a claim is made, on the Policy Anniversary in which the Life Assured is 85 years old, or upon the expiry of the Policy, whichever is earliest. Waiting period and survival period are applicable to this benefit. Please refer to the Product Summary for more details on the benefit terms and conditions.

  9. Each condition can only be paid once and a maximum of six claims is allowed under this benefit. This benefit shall cease on the date on which the sixth claim is made, on the Policy Anniversary in which the Life Assured is 85 years old, or upon the expiry of the Policy, whichever is earliest. Waiting period and survival period are applicable to this benefit. Please refer to the Product Summary for more details on the benefit terms and conditions.

  10. Critical Illness Benefit consists of Early and Intermediate Stage Critical Illness Benefit and Severe Stage Critical Illness Benefit. When 300% of the Sum Assured or more is paid under the Critical Illness Benefit, all future premiums for the Policy will be waived. The total amount payable under Critical Illness Benefit shall not exceed 600% of the Sum Assured. This benefit shall cease once 600% of the Sum Assured is fully paid out.

  11. If the Life Assured is diagnosed with any one of the Early or Intermediate Stage Critical Illnesses covered, 100% of the Sum Assured will be payable in one lump sum. Only one claim is allowed for the Early and Intermediate Stage of each CI Group covered. The payout of this benefit is subject to the total amount payable under Critical Illness Benefit. This benefit shall cease once the Critical Illness Benefit is terminated. Waiting periods and survival period are applicable to this benefit. Please refer to the Product Summary for more details on the benefit terms and conditions.

  12. If the Life Assured is diagnosed with any one of the Severe Stage Critical Illnesses covered, 300% of the Sum Assured less any claim paid for the Early and Intermediate Stage of the same CI Group will be payable in one lump sum. Only one claim is allowed for the Severe Stage of each CI Group covered. The payout of this benefit is subject to the total amount payable under Critical Illness Benefit. This benefit shall cease once the Critical Illness Benefit is terminated. Waiting periods and survival period are applicable to this benefit. Please refer to the Product Summary for more details on the benefit terms and conditions.

  13. If the Life Assured is diagnosed with (i) any one of the specified Severe Stage Critical Illnesses covered under this benefit, provided that the Critical Illness Benefit has ceased; or (ii) any one of the Recurrent Critical Illnesses covered under this benefit, 150% of the Sum Assured will be payable in one lump sum. A maximum of two claims is allowed under this benefit and the total amount payable under Recurrent Critical Illness Benefit shall not exceed 300% of the Sum Assured. This benefit shall cease once 300% of the Sum Assured is fully paid out or when the Advance Care Option is successfully exercised under the Policy, whichever is earlier. Waiting periods and survival period are applicable to this benefit. Please refer to the Product Summary for more details on the benefit terms and conditions
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Disclaimers

This policy is underwritten by Singapore Life Ltd.
 

This is published for general information only and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. You may get a copy of the Product Summary from Singapore Life Ltd. and the participating distributors’ offices. You should read the Product Summary before deciding whether to purchase the product. You may wish to seek advice from a financial adviser representative before making a commitment to purchase the product. If you choose not to seek advice from a financial adviser representative, you should consider whether the product in question is suitable for you. As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely. Buying a health insurance policy that is not suitable for you may impact your ability to finance your future healthcare needs. This is not a contract of insurance. Full details of the standard terms and conditions of this policy can be found in the relevant policy contract.
 

Information is accurate as at August 2022.
 

This advertisement has not been reviewed by the Monetary Authority of Singapore.
 

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association or SDIC websites (www.lia.org.sg or www.sdic.org.sg).