My Early Critical Illness Plan II

It's never too early to get critical illness protection.

Exercising regularly and eating a balanced diet are essential for good health, but even young people and those who don't have a family history of major diseases can get a life-altering critical illness.

Cancer

36 cases¹ diagnosed each day

Heart attack

33 cases² diagnosed each day

Stroke

52 cases² diagnosed each day

Thankfully, early diagnosis and treatment can boost your odds of making a full recovery and reclaiming your life. With the right insurance plan, you can manage your finances with greater peace of mind while you seek treatment to recover.

100% lump-sum payout

Upon diagnosis of any one of the covered 132 conditions across various stages of critical illnesses³

Choice of coverage term

You can be covered for any duration from 10 years up till you're 99 years old (in one-year intervals)

Additional benefits

Get additional payouts with Benign and Borderline Malignant Tumour Benefit⁴, Intensive Care Benefit⁵ and Special Benefit⁶

Stay one step ahead with My Early Critical Illness Plan II

My Early Critical Illness Plan II covers you for critical illnesses, right from the early stages as well as other specified health conditions, so you can focus on your recovery.

Key benefits

Receive a lump-sum payout that’s 100% of your sum assured, upon diagnosis of any of the covered 132 conditions across various stages of critical illnesses³
Receive a payout for borderline malignant tumour or benign tumour (suspected malignancy) requiring surgical removal⁴, that’s an additional 20% of your sum assured, up to S$25,000 per life
Receive a payout for Intensive Care Unit stay of 4 days or more in one hospital admission⁵, that’s an additional 20% of your sum assured, up to S$25,000 per life
Receive a payout when diagnosed with one of the 27 covered conditions under the Special Benefit⁶. The payout is an additional 20% of your sum assured, up to S$25,000 per life per condition.
Your loved ones will receive a lump-sum payout of S$5,000 should you pass on, to help them manage medical bills or funeral expenses.
Choose your coverage period and currency: You can be covered for any duration from 10 years up till you’re 99 years old (in one-year intervals) and your coverage amount can be in SGD, USD, GBP, EUR, AUD or HKD⁷

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How My Early Critical Illness Plan II works

Wendy, aged 35 and a non-smoker, is married with a young child. Cancer and diabetes run in her family, so she goes for annual health screenings that help detect early signs of serious illnesses. To ensure that she can keep up with recurring bills and family support should the worst happen, she gets My Early Critical Illness Plan II. She chooses a Sum Assured of S$100,000 and a policy term of 30 years. She pays a premium of S$1,052 annually.

Footnotes

All ages mentioned refer to age next birthday.

1. Source: The Sunday Times © Singapore Press Holdings Limited. Extracted with permission. “Sharp rise in number diagnosed with cancer”, 21 June 2015.

2. Source: Speech by Mr Amrin Amin, former Senior Parliamentary Secretary, Ministry of Home Affairs and Ministry of Health at the launch of National Heart Week and World Heart Day 2019 at Kampung Admiralty, 29 September 2019.

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

4. 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. Please refer to the Product Summary for more details on the benefit terms and conditions including the list of specified organs covered and the definitions of Benign Tumour (suspected malignancy) requiring surgical excision and Borderline Malignant Tumour.

5. Only one claim is allowed under this benefit. The Intensive Care Unit (ICU) stay of 4 days or more must be in one hospital admission in Singapore and must be confirmed as Necessary Medical Treatment. A stay in ICU will not be considered as Necessary Medical Treatment 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. Please refer to the Product Summary for more details on the benefit terms and conditions.

6. If the Life Assured is diagnosed with any one of the conditions covered under this Special Benefit, an additional 20% of the Sum Assured will be payable, capped at S$25,000 (or equivalent currency) per life per condition. Only one claim is payable for each condition 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 (for specific conditions) and survival period are applicable. Please refer to the Product Summary for the list of special conditions covered and more details on the benefit terms and conditions.

7. 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 rate.

Plan with us today to start living with greater confidence

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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. A copy of the Product Summary may be obtained from us or our 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. In the event that 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 January 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).

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