Critical Illness Plan

Protect yourself against serious illnesses. Receive support while recovering.

When critical illness strikes, it can cause a massive upheaval in your life. While you deal with the emotional and medical consequences of a critical illness, you can rest assured that your financial needs are taken care of when you have critical illness coverage.

How Does This Plan Benefit Me?

  • Financial protection against late-stage critical illnesses (LSCI) at affordable premiums
  • Optional enhanced coverage on early and intermediate-stage critical illnesses
  • Enhanced protection when you add supplementary benefits
  • Flexible coverage amounts and terms up to age 99
  • Next-day critical illness claim benefit with payouts made within 24 hours of claim submission
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Add On Supplementary
Benefits For Additional Coverage
Early Care Rider

The rider pays out the selected rider sum assured in one lump sum upon diagnosis of any of the covered early critical illnesses. The payout will be in the form of an advanced payment to be deducted from the sum assured under the base plan.

Cancer Care Rider

The rider pays out the selected rider sum in one lump sum upon diagnosis of major cancers.

Special Benefit Rider

The rider pays out the selected rider sum assured in one lump sum upon diagnosis of any of the 13 less severe medical conditions. Up to six claims can be made on the rider, with only one claim per medical condition.

Critical Care Rider

This rider pays out the selected rider sum assured in one lump sum upon diagnosis of either heart attack of specific severity, kidney failure or stroke.

Base plan tailored to fit your needs

Critical Illness Plan

This plan pays out the selected sum assured in one lump sum upon diagnosis of any of the covered LSCIs. The plan terminates after.

Add On Supplementary
Benefits For Additional Coverage
Early Care Rider

The rider pays out the selected rider sum assured in one lump sum upon diagnosis of any of the covered early critical illnesses. The payout will be in the form of an advanced payment to be deducted from the sum assured under the base plan.

Cancer Care Rider

The rider pays out the selected rider sum in one lump sum upon diagnosis of major cancers.

Special Benefit Rider

The rider pays out the selected rider sum assured in one lump sum upon diagnosis of any of the 13 less severe medical conditions. Up to six claims can be made on the rider, with only one claim per medical condition.

Critical Care Rider

This rider pays out the selected rider sum assured in one lump sum upon diagnosis of either heart attack of specific severity, kidney failure or stroke.

Multi-claim Critical Illness (CI) Plan

This plan pays out the selected sum assured in one lump sum upon diagnosis of any of the covered LSCIs. The sum assured is reset to the original amount after 12 consecutive claim-free months, allowing claims to be made again. The plan terminates after 300% of the sum assured is paid out.

Step-up Critical Illness (CI) Plan

The sum assured increases by 5% every year for 10 years. The plan pays out the corresponding sum assured in one lump sum upon diagnosis of any of the covered LSCIs. The plan terminates after.

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Is Critical Illness Cover Necessary?

According to a 2017 Protection Gap Study by the Life Insurance Association (LIA) of Singapore, the average working Singaporean has about S$60,000 for critical illness coverage, a sum that is well below LIA’s recommendation of S$316,000.
Critical illness coverage is becoming increasingly important for several reasons: Higher incidence of chronic diseases and rising healthcare costs. Help to cover non-medical cost such as caretaking needs or support services during recovery. Payout from a critical illness plan can replace any lost income during your treatment and recovery period. Higher life expectancy and higher rate of surviving a critical illness due to medical advancements.
Essentially, this means that having a critical illness can be a huge financial drain and the effects are amplified if you’re a breadwinner in your family.
That’s where a critical illness plan comes in. The financial cushion from a critical illness policy can reduce the financial impact of having a critical illness and coverage becomes an important financial safety net, designed to give a lump sum payout.
What’s key is that you can choose how to use the money from your critical illness payout, which can help cover non-medical costs as well as replace any lost income during your treatment and recovery period. With a critical illness plan in place, you won’t have to worry about how to sustain your lifestyle or support your family during this tough time.
Instead, you can focus on what really matters: getting better.

Get protected with Critical Illness insurance today

 15% offer available for a limited time only

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Important Notes

  • The information on this page is meant for your general knowledge and does not regard any specific investment objectives, financial situations or particular needs any person might have.
  • Before making a commitment to purchase this product, you should consider whether the product is suitable for you by referring to the product summary, terms and conditions and FAQs.
  • Alternatively, you may wish to seek advice from our third-party financial advisers. Tell us what you’re looking for and one of our representatives will reach out to you.
  • This policy is protected under the Policy Owners’ Protection Scheme administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage from 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 Singapore Deposit Insurance Corporation Limited (SDIC).
  • Information is correct as at 19 September 2019.
  • This advertisement has not been reviewed by the Monetary Authority of Singapore.

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