COMPARE CRITICAL ILLNESS PROTECTION AND GET THE BEST DEAL
Financial protection from major illnesses, and get peace of mind for yourself and your loved ones
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WHAT IS CRITICAL ILLNESS COVER?
What if a serious illness like cancer or a stroke meant you couldn’t work, or pay for your medical treatment? Critical illness cover is your financial safety net.
It pays out a tax-free, lump-sum of cash if you’re diagnosed with a covered illness. This money isn’t for your hospital bills (that’s what hospitalisation insurance is for). It’s for everything else: your treatment, mortgage, daily expenses, or replacing lost income, so you can focus completely on getting better.
GIVE YOURSELF PEACE OF MIND WITH CRITICAL ILLNESS PROTECTION
Focus on Recovery, Not Bills: Get a lump-sum cash payout to cover your daily costs so you can focus on getting better.
Cover for Major Illnesses: Protection against common critical illnesses like cancer, stroke, and heart attack.
Freedom to Use as You Need: Use the funds for your mortgage, household bills, treatment costs, or to replace lost income.
Find Your Perfect Match: We help you compare plans from across the market to find the one that fits your life and budget.
Trusted by Singaporeans: A reliable safety net for Singaporean families. The insurance industry has a strong track record of paying claims, providing vital financial support during life’s toughest moments.
HOW DOES CRITICAL ILLNESS COVER WORK?
Think of it as setting up your own financial safety net. You simply decide on the payout amount you’d want to receive (the ‘sum assured’) if you were diagnosed with a major illness.
Choose Your Plan
Decide on the coverage amount and policy length that works for you.
Answer a Few Questions
Insurers will ask about your health and lifestyle to give you a personalised premium.
Get Your Payout
If you’re diagnosed with a covered illness, you’ll receive your lump-sum payment to help you through.
CAN IT PROTECT MY CHILDREN TOO?
Yes, you can extend your safety net to your kids!
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Many policies allow you to add your children, providing a cash payout if they are diagnosed with a covered illness. This financial help is crucial if you need to step back from work to care for them. Best of all, making a claim for your child usually doesn’t affect your own coverage.
HOW MUCH CRITICAL ILLNESS COVER DO I NEED?
It depends on your lifestyle, financial goals, and how much support you want if illness strikes..
There’s no magic number… the right amount depends on your personal situation. To figure out what’s right for you, consider these key factors:
1. Coverage Amount & Policy Term
The more cover you choose and the longer you want it, the more it will cost. It’s all about finding the right balance for your budget.
2. Age
The younger and healthier you are when you sign up, the cheaper your premiums will be.
3. Health History
Your personal and family medical history helps insurers understand your risk, which can affect your premium.
4. Lifestyle & Job
Lifestyle choices like smoking or having a high-risk job can also influence the cost of your cover.
5. Plan Type
A standalone critical illness plan is an option, but you can also add it as a ‘rider’ to a life insurance policy.
FIND THE BEST CRITICAL ILLNESS PROTECTION FOR YOU
Your life, your needs and your budget are unique. That’s why comparing personalised options is the smartest way to find the perfect critical illness plan for you.
WHAT’S COVERED BY CRITICAL ILLNESS INSURANCE?
Every policy is different, so it’s important to understand the details before any purchase. But here’s a general guide to what you can typically expect to be included or excluded.
WHAT'S TYPICALLY COVERED?
Major illnesses like cancer, heart disease, and stroke.
Serious neurological conditions like multiple sclerosis, motor neurone disease, and Parkinson’s.
Life-changing events like the permanent loss of a limb or eyesight.
Total and permanent disability from an accident or illness.
Severe conditions like dementia, Alzheimer’s, or kidney failure.
WHAT’S TYPICALLY NOT COVERED?
Any illness not specifically named in your policy documents.
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Less severe stages of an illness that don’t meet the policy’s definition.
Temporary illnesses or injuries that don’t cause permanent impairment.
Pre-existing conditions that were specifically excluded when you bought the policy.
Illnesses caused by drug or alcohol abuse.
Self-inflicted injuries or those from high-risk sports.
HOW TO MAKE A CRITICAL ILLNESS COVER CLAIM
It’s a difficult time when it happens, and the last thing you need is complicated paperwork. The good news is, your agent is there to handle the hard parts so you can focus on your health.
1. Contact Your Agent
This is your first and most important step. They will explain the process and prepare all the necessary claim forms for you.
2. Provide Your Medical Reports
Your agent will give you a simple checklist of what’s needed (like a doctor’s memo). Just focus on getting these documents from your clinic.
3. Let Your Agent Take Over
Once you pass them the documents, your work is done. They will handle
FREQUENTLY ASKED QUESTIONS
Think of it this way: Hospitalisation insurance pays the hospital for your medical bills. Critical illness insurance pays you a lump sum of cash to use however you need—whether it’s to cover your mortgage, daily expenses, or lost income while you recover.
It depends on the plan. Some policies cover early-stage illnesses as standard, while others offer it as an add-on. This is one of the most important things to check when you compare plans, as it gives you a payout sooner.
Yes, many insurers offer child critical illness cover, either as a standalone plan or as part of a parent’s policy.
It’s possible! Some insurers may offer you a plan but exclude your specific condition, while others might offer full coverage at a higher premium. The best way to find out is to compare quotes and speak with an advisor to understand your options.
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