Find Out More About Our Early Critical Illness Protection Plan Today
Our financial adviser will contact you after you submit your request for information. All financial advisers that we recommend are licensed and regulated in Singapore. We respect your privacy and will not share your details with anyone other than the financial adviser we recommend for you. This service is free, and there are no obligations to start any plan unless you want to.
Critical illness insurance or critical illness cover is an insurance product, where the insurer typically makes a lump sum cash payment if the policyholder is diagnosed with 1 of the 30 critical illnesses listed below.
List of 30 Covered Critical Illnesses
Major Cancers
Deafness (Loss of Hearing)
Alzheimer's Disease/Severe Dementia
Heart Attack
Heart Valve Surgery
Fulminant Hepatitis
Stroke
Loss of Speech
Motor Neurone Disease
Coronary Artery Bypass Surgery
Major Burns
Primary Pulmonary Hypertension
Kidney Failure
Major Organ/Bone Marrow Transplantation
HIV due to Blood Transfusion & Occupational Acquired HIV
Aplastic Anaemia
Multiple Sclerosis
Benign Brain Tumor
Blindness(Loss of Sight)
Muscular Dystrophy
Bacterial Meningitis
End Stage Lung Disease
Encephalitis
Major Head Trauma
End Stage Liver Failure
Parkinson's Disease
Systemic Lupus Erythematosus with Lupus Nephritis
Coma
Surgery to Aorta
Angioplasty & other Invasive Treatment for Coronary Artery*
The good news is most life insurance already cover 30 critical illnesses.
The bad news is most life insurance only cover the "late stage" of the critical illnesses.
This Means If You Are Diagnosed To Be Suffering From “Early Stages” Of The 30 Critical Illness, You Cannot Make A Claim
Example 1
A female patient suffering from Breast Cancer Stage 0 (Ductal Carcinoma-in-situ) cannot make a claim because her condition is considered pre-malignant and therefore is excluded from claim.
Example 2
A patient suffering from Kidney Failure cannot make a claim because only one of his Kidneys suffers chronic irreversible failure, therefore his/her condition does not meet the standard definition of Kidney Failure; which states that both kidneys must suffer chronic irreversible failure.
Example 3
A patient suffering from Severe Asthma cannot make a claim because his condition does not fulfill the standard definitions of Lung Disease.
Example 4
A patient who contracted HIV due to blood transfusion cannot claim because standard definition states it must be "occupationally acquired" HIV.
Example 5
A patient who needs money for surgical procedures of central nervous system cannot claim because his condition does not fulfill the standard definitions of Stroke.
How What Is The Solution?
There is nothing worse than paying thousands of dollars of insurance premiums for many years, only to discover that you cannot make a claim when you urgently need money for treatment.
This is why we introduced a early critical illness protection plan that also covers "early stage" critical illness.
What Is The Key Difference Between Your Early Critical Illness Protection Plan & The Standard 30 Critical Illness Coverage (Late Stage)?
The key difference is the ease of claim.
Click on the examples below to see the differences.
Cancer
Our Plan
Late Stage
Cancer is defined as a malignant tumor characterized by the uncontrolled growth and spread of malignant cells. This diagnosis must be supported by histological evidence of invasive cancer or carcinoma in-situ and confirmed by a Specialist. Clinical diagnosis alone does not meet this standard. AJCC stage Ta papillary microcarcinoma of bladder is also covered. The following conditions are specifically excluded from coverage:
Cervical Dysplasia, CIN-1, CIN-2 and CIN-3 and low grade & high grade squamous epithelial lesions.
Non-invasive melanoma histologically described as "in-situ".
Prostatic Intraepithelial Neoplasia (PIN).
Vulvar Intraepithelial Neoplasia(VIN).
Chronic Lymphocytic Leukemia RAI stage 0 or lower.
Any lesion or tumor which is histologically described as benign, dysplasia, pre-malignant, borderline malignant, low or suspicious malignant potential.
Hyperkeratosis, Basal cell and Squamous cell skin cancers
All tumors in the presence of Human Immunodeficiency Virus (HIV) infection.
A malignant tumour characterised by the uncontrolled growth and spread of malignant cells with invasion and destruction of normal tissue. This diagnosis must be supported by histological evidence of malignancy and confirmed by an oncologist or pathologist. The following are excluded:
Tumours showing the malignant changes of carcinoma in situ and tumours which are histologically described as pre-malignant or non-invasive, including, but not limited to: Carcinoma in Situ of the Breasts, Cervical Dysplasia CIN-1, CIN-2 and CIN-3;
Hyperkeratoses, basal cell and squamous skin cancers, and melanomas of less than 1.5mm Breslow thickness, or less than Clark Level 3, unless there is evidence of metastases;
Prostate cancers histologically described as TNM Classification T1a or T1b or Prostate cancers of another equivalent or lesser classification, T1N0M0 Papillary micro-carcinoma of the Thyroid less than one cm in diameter, Papillary micro-carcinoma of the Bladder, and Chronic Lymphocytic Leukaemia less than RAI Stage 3; and
All tumours in the presence of HIV infection.
Heart Attack
Our Plan
Late Stage
Includes Late-Stage. We also provide cover for "earlier stages" using separate conditions.
Cardiomyopathy
Specified procedures of cardiovascular system
Death of a portion of the heart muscle arising from inadequate blood supply to the relevant area. This diagnosis must be supported by three or more of the following five criteria which are consistent with a new heart attack:
History of typical chest pain;
New electrocardiogram (ECG) changes proving infarction;
Diagnostic elevation of cardiac enzyme CK-MB;
Diagnostic elevation of Troponin (T or I);
Left ventricular ejection fraction less than 50% measured 3 months or more after the event.
Stroke
Our Plan
Late Stage
Includes Late-Stage. We also provide cover for "earlier stages" using separate conditions.
Defined surgical procedures of central nervous system
A cerebrovascular incident including infarction of brain tissue, cerebral and subarachnoid haemorrhage, cerebral embolism and
cerebral thrombosis. This diagnosis must be supported by all of the following conditions:
Evidence of permanent neurological damage confirmed by a neurologist at least 6 weeks after the event; and
Findings on Magnetic Resonance Imaging, Computerised Tomography, or other reliable imaging techniques consistent with the
Diagnosis of a new stroke.
The following are excluded:
Transient Ischaemic Attacks;
Brain damage due to an accident or injury, infection, vasculitis, and inflammatory disease;
Vascular disease affecting the eye or optic nerve; and
Ischaemic disorders of the vestibular system.
Coronary Artery Bypass Surgery
Our Plan
Late Stage
The actual undergoing of keyhole (minimally invasive/port access) or open-chest surgery to correct the narrowing or blockage of one or more coronary arteries with bypass grafts.
Coronary Artery Atherectomy and Transmyocardial laser revascularization done via “Keyhole” surgery or use Enhanced External Counterpulsation Device for intractable angina not responsive to medial therapy and not amenable to other surgical or percutaneous techniques will also be covered under this benefit.
The diagnosis of significant coronary artery obstruction and the necessity of the above procedures must be certified by a Specialist and also must be supported by angiographic evidence.
Angioplasty and all other intra-arterial, catheter based techniques are excluded.
The actual undergoing of open-chest surgery to correct the narrowing or blockage of one or more coronary arteries with bypass grafts.
This diagnosis must be supported by angiographic evidence of significant coronary artery obstruction and the procedure must be considered Medically Necessary by a consultant cardiologist.
Angioplasty and all other intra arterial, catheter based techniques, ‘keyhole’ or laser procedures are excluded.
Chronic Kidney Disease or Kidney Failure
Our Plan
Late Stage
A Specialist must make a diagnosis of chronic kidney disease or kidney failure with Permanently impaired renal function. There must be evidence of one of the following:
Laboratory evidence that shows that renal function is severely decreased with an eGFR less than 15 ml/min/1.73m2 body surface area, persisting for a period of 6 months or more;
Permanent renal dialysis has been instituted;
Kidney transplantation has been undergone.
Chronic irreversible failure of both kidneys requiring either permanent renal dialysis or kidney transplantation.
Aplastic Anemia
Our Plan
Late Stage
Bone marrow failure which results in anemia, neutropenia and thrombocytopenia requiring treatment with any one of the following:
Blood product transfusion;
Marrow stimulating agents;
Immunosuppressive agents; or
Bone marrow transplantation.
The diagnosis must be confirmed with bone marrow biopsy by a Specialist.
Chronic persistent bone marrow failure which results in anaemia, neutropenia and thrombocytopenia requiring treatment with at least one of the following:
Blood product transfusion;
Marrow stimulating agents;
Immunosuppressive agents; or
Bone marrow transplantation.
The diagnosis must be confirmed by a haematologist.
Blindness
Our Plan
Late Stage
Permanent and irreversible loss of sight in one or both eyes as a result of illness or accident to the extent that even when tested with the use of visual aids, vision is measured at 3/60 or worse in the worse eye using a Snellen eye chart or equivalent test.
The blindness must be confirmed by a Specialist.
Blindness caused by alcohol or drug misuse is excluded.
Total and irreversible loss of sight in both eyes as a result of illness or accident.
The blindness must be confirmed by an ophthalmologist.
End Stage Lung Disease
Our Plan
Late Stage
Includes Late-Stage. We also provide cover for “earlier stages” using separate conditions.
Severe Asthma
Surgical removal of one lung
End stage lung disease, causing chronic respiratory failure. This diagnosis must be supported by evidence of all of the following:
FEV1 test results which are consistently less than 1 litre;
Permanent supplementary oxygen therapy for hypoxemia;
Arterial blood gas analyses with partial oxygen pressures of 55mmHg or less (PaO2 ≤ 55mmHg); and
Dyspnea at rest.
The diagnosis must be confirmed by a respiratory physician.
Liver Failure
Our Plan
Late Stage
Includes Late-Stage. We also provide cover for “earlier stages” using separate conditions.
Chronic Hepatitis with Cirrhosis
Liver Surgery
End stage liver failure as evidenced by all of the following:
Permanent jaundice;
Ascites; and
Hepatic encephalopathy.
Liver disease secondary to alcohol or drug abuse is excluded.
Coma
Our Plan
Late Stage
Coma that persists for at least 48 hours. This diagnosis must be supported by evidence of all of the following:
No response to external stimuli for at least 48 hours;
The use of life support measures to sustain life, and
Brain damage resulting in Permanent neurological deficit which must be assessed at least 30 days after the onset of the coma.
Coma resulting directly from alcohol or drug abuse is excluded. Medically induced coma also does not fulfill this definition.
A coma that persists for at least 96 hours. This diagnosis must be supported by evidence of all of the following:
No response to external stimuli for at least 96 hours;
Life support measures are necessary to sustain life; and
Brain damage resulting in permanent neurological deficit which must be assessed at least 30 days after the onset of the coma.
Coma resulting directly from alcohol or drug abuse is excluded.
Deafness
Our Plan
Late Stage
Irreversible binaural hearing loss with the loss of at least 60 decibel in all frequencies of hearing as a result of illness or accident. This diagnosis must be supported by an objective diagnostic test like audiometric and sound-threshold tests to indicate the quantum loss of hearing and certified by a Specialist.
The coverage under this benefit will also include the actual undergoing of a surgical cochlear implant as a result of irreversible damage to the cochlea or auditory nerve as a result of any illness or accident. The surgical procedure as well as the insertion of the implant must be certified to be Medically Necessary by a Specialist.
Total and irreversible loss of hearing in both ears as a result of illness or accident. This diagnosis must be supported by audiometric and sound-threshold tests provided and certified by an Ear, Nose, Throat (ENT) specialist.
Total means “the loss of at least 80 decibels in all frequencies of hearing”.
Heart Valve Surgery
Our Plan
Late Stage
The actual undergoing of valvuloplasty, valvotomy or valve replacement to replace or repair heart valve abnormalities, either via intravascular catheter based techniques or open heart surgery.
The diagnosis of heart valve abnormality must be supported by cardiac catheterization or echocardiogram and the procedure must be considered Medically Necessary by a Specialis
The actual undergoing of open-heart surgery to replace or repair heart valve abnormalities.
The diagnosis of heart valve abnormality must be supported by cardiac catheterization or echocardiogram and the procedure must be considered Medically Necessary by a consultant cardiologist.
Loss of Speech
Our Plan
Late Stage
Total and irrecoverable loss of the ability to speak as a result of a disease or injury. The inability to speak must be established for a continuous period of 12 months.
This diagnosis must be supported by medical evidence furnished by a Specialist. All psychiatric related causes are excluded.
Total and irrecoverable loss of the ability to speak as a result of injury or disease to the vocal cords. The inability to speak must be established for a continuous period of 12 months.
This diagnosis must be supported by medical evidence furnished by an Ear, Nose, Throat (ENT) specialist. All psychiatric related causes are excluded.
Major Burns
Our Plan
Late Stage
Second degree (partial thickness of the skin) or third degree (full thickness of the skin) burns covering at least 20% of the surface of the Life Insured’s body; or
Third degree (full thickness of the skin) burns covering at least 50% of the face of the Life Insured.
Third degree (full thickness of the skin) burns covering at least 20% of the surface of the life Insured’s body.
Major Organ/Bone Marrow Transplantation
Our Plan
Late Stage
The undergoing by the Life Insured as recipient of a transplant of any of the following:
Transplant of Human bone marrow using hematopoietic stem cells preceded by total bone marrow ablation; or
Transplant of One of the following whole human organs: heart, lung, liver, kidney, pancreas, that resulted from irreversible end stage failure of the relevant organ; or
Transplant of at least one meter of small bowel with its own blood supply via a laparotomy resulting from intestinal failure; or
Transplant of a whole cornea due to irreversible scarring with resulting reduced visual acuity, which cannot be corrected with other methods.
Other than covered under the section (a) above, all other stem cell transplants and tissue or islet cell transplant of pancreas are excluded.
The receipt of a transplant of:
Human bone marrow using haematopoietic stem cells preceded by total bone marrow ablation; or
One of the following human organs: heart, lung, liver, kidney, pancreas, that resulted from irreversible end stage failure of the relevant organ.
Other stem cell transplants are excluded.
Multiple Sclerosis
Our Plan
Late Stage
There must be a definite diagnosis of Multiple Sclerosis confirmed by a Specialist. The diagnosis must be supported by all of the following:
Investigations that unequivocally confirm the diagnosis to be Multiple Sclerosis; and
Well documented history of typical neurological signs and symptoms consistent with the diagnosis of Multiple Sclerosis.
Other causes of neurological damage such as Systemic Lupus Erythematosus (SLE) and Human Immunodeficiency Virus (HIV) are excluded.
The definite occurrence of Multiple Sclerosis. The diagnosis must be supported by all of the following:
Investigations which unequivocally confirm the diagnosis to be Multiple Sclerosis;
Multiple neurological deficits which occurred over a continuous period of at least 6 months; and
Well documented history of exacerbations and remissions of said symptoms or neurological deficits.
Other causes of neurological damage such as SLE and HIV are excluded.
Muscular Dystrophy
Our Plan
Late Stage
A group of hereditary degenerative diseases of muscle characterised by weakness and atrophy of muscle. The diagnosis of muscular dystrophy must be unequivocal and made by a Specialist.
The condition must result in the inability of the Life Insured to perform (whether aided or unaided) at least 2 of the 6 “Activities of Daily Living” for a continuous period of at least 6 months.
A group of hereditary degenerative diseases of muscle characterised by weakness and atrophy of muscle. The diagnosis of muscular dystrophy must be unequivocal and made by a consultant neurologist.
The condition must result in the inability of the life insured to perform (whether aided or unaided) at least 3 of the following 6 “Activities of Daily Living” for a continuous period of at least 6 months
Encephalitis
Our Plan
Late Stage
Severe inflammation of brain substance (cerebral hemisphere, brainstem or cerebellum) caused by viral infection requiring hospitalisation. The diagnosis must be confirmed by a Specialist and supported with appropriate investigations (including Lumbar puncture test) proving acute viral infection of the brain.
Encephalitis caused by Human Immunodeficiency Virus (HIV) infection is excluded.
Severe inflammation of brain substance (cerebral hemisphere, brainstem or cerebellum) caused by viral infection and resulting in permanent neurological deficit. This diagnosis must be certified by a consultant neurologist and the permanent neurological deficit must be documented for at least 6 weeks.
Encephalitis caused by HIV infection is excluded.
Parkinson's Disease
Our Plan
Late Stage
The unequivocal diagnosis of idiopathic Parkinson’s disease by a Specialist. The diagnosis must be supported by all of the following conditions:
Signs of progressive impairment, and
Inability of the Life Insured to perform (whether aided or unaided) at least 2 of the 6 “Activities of Daily Living” for a continuous period of at least 6 months while on optimal therapy.
Drug-induced or toxic causes of Parkinsonism are excluded.
The unequivocal diagnosis of idiopathic Parkinson’s Disease by a consultant neurologist. This diagnosis must be supported by all of the following conditions:
The disease cannot be controlled with medication;
Signs of progressive impairment; and
Inability of the life Insured to perform (whether aided or unaided) at least 3 of the following 6 “Activities of Daily Living” for a continuous period of at least 6 months:
Drug-induced or toxic causes of Parkinsonism are excluded.
Surgery to Aorta
Our Plan
Late Stage
The actual undergoing of either intra-arterial or open chest/ abdomen surgery to repair or correct an aneurysm, narrowing, obstruction or dissection of the aorta, as evidenced by a cardiac echocardiogram or any other appropriate diagnostic test that is available and confirmed by a Specialist.
Large asymptomatic abdominal or thoracic aortic aneurysm or aortic dissection where aorta has been enlarged greater than 55mm in diameter will also be covered under this benefit. The diagnosis for this must be confirmed by a Specialist and evidenced by appropriate imaging technique.
For the purpose of this definition, aorta shall mean the thoracic and abdominal aorta but not its branches.
The actual undergoing of major surgery to repair or correct an aneurysm, narrowing, obstruction or dissection of the aorta through surgical opening of the chest or abdomen. For the purpose of this definition aorta shall mean the thoracic and abdominal aorta but not its branches.
Surgery performed using only minimally invasive or intra arterial techniques are excluded.
Alzheimer's Disease/Dementia
Our Plan
Late Stage
A definite diagnosis of Alzheimer’s disease or dementia due to irreversible organic brain disorders by a Specialist. The Mini-mental exam score must be less than 20 out of 30 or an equivalent of this score using other Alzheimer’s tests. There must also be Permanent clinical loss of the ability to do all the following:
Remember;
Reason; and
Perceive, understand, express and give effect to ideas.
This diagnosis must be supported by the clinical confirmation of a Specialist and the Life Insured should be undergoing appropriate anti Alzheimer’s treatment. The following are excluded:
Non-organic diseases such as neurosis and psychiatric illnesses; and
Alcohol or drug related brain damage.
Deterioration or loss of intellectual capacity as confirmed by clinical evaluation and imaging tests, arising from Alzheimer's disease or irreversible organic disorders, resulting in significant reduction in mental and social functioning requiring the continuous supervision of the life insured. This diagnosis must be supported by the clinical confirmation of an appropriate consultant and supported by the Company's appointed doctor. The following are excluded:
Non-organic diseases such as neurosis and psychiatric illnesses; and
Alcohol related brain damage.
Motor Neurone Disease
Our Plan
Late Stage
Motor neurone disease characterised by progressive degeneration of the corticospinal tracts and anterior horn cells or bulbar efferent neurons. These include spinal muscular atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis and primary lateral sclerosis.
A Specialist must make the definite diagnosis of a motor neurone disease and this diagnosis must be supported by appropriate investigations.
Motor neurone disease characterised by progressive degeneration of corticospinal tracts and anterior horn cells or bulbar efferent neurones which include spinal muscular atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis and primary lateral sclerosis.
This diagnosis must be confirmed by a neurologist as progressive and resulting inpermanent neurological deficit.
Pulmonary Hypertension
Our Plan
Late Stage
Primary or Secondary pulmonary hypertension with established right ventricular hypertrophy leading to the presence of Permanent physical impairment of at least Class III of the New York Heart Association (NYHA) Classification of Cardiac Impairment.
The diagnosis must be established by cardiac catheterisation by a Specialist.
Primary Pulmonary Hypertension with substantial right ventricular enlargement confirmed by investigations including cardiac catheterisation, resulting in permanent physical impairment of at least Class IV of the New York Heart Association (NYHA) Classification of Cardiac Impairment.
Human Immunodeficiency Virus (HIV)
Our Plan
Late Stage
Due to Blood Transfusion, Assault, Organ Transplant & Occupationally Acquired HIV.
Occupationally Acquired HIV.
Benign Brain Tumour
Our Plan
Late Stage
Includes Late-Stage. We also provide cover for “earlier stages” using separate conditions grouped under “Defined surgical procedures of central nervous system”
Surgical removal of pituitary tumour
Surgery for subdural haematoma
A benign tumour in the brain where all of the following conditions are met:
It is life threatening;
It has caused damage to the brain;
It has undergone surgical removal or, if inoperable, has caused a permanent neurological deficit; and
Its presence must be confirmed by a neurologist or neurosurgeon and supported by findings on Magnetic Resonance Imaging, Computerised Tomography, or other reliable imaging techniques.
The following are excluded:
Cysts;
Granulomas;
Vascular Malformations;
Haematomas; and
Tumours of the pituitary gland or spinal cord.
Bacterial Meningitis
Our Plan
Late Stage
Bacterial infection resulting in severe inflammation of the membranes of the brain or spinal cord which requires hospitalisation. This diagnosis must be confirmed by:
The presence of bacterial infection in cerebrospinal fluid by lumbar puncture; and
A Specialist.
Bacterial Meningitis in the presence of Human Immunodeficiency Virus (HIV) infection is excluded.
Bacterial infection resulting in severe inflammation of the membranes of the brain or spinal cord resulting in significant, irreversible and permanent neurological deficit. The neurological deficit must persist for at least 6 weeks. This diagnosis must be confirmed by:
The presence of bacterial infection in cerebrospinal fluid by lumbar puncture; and
A consultant neurologist.
Bacterial Meningitis in the presence of HIV infection is excluded.
Major Head or Spinal Trauma
Our Plan
Late Stage
Accidental injury to head resulting in Permanent neurological deficit causing the inability to perform 2 of 6 Activities of Daily Living, or accidental injury to cervical spinal cord resulting in loss of use of at least one entire limb, to be assessed no sooner than six weeks from the date of the accident. The diagnosis must be confirmed by a Specialist supported by unequivocal findings on Magnetic Resonance Imaging, Computerised Tomography, or other reliable imaging techniques.
The accident must be caused solely and directly by accidental, violent, external and visible means and independently of all other causes.
The following are excluded: Spinal cord injury or Head injury due to any other causes.
Accidental head injury resulting in permanent neurological deficit to be assessed no sooner than 6 weeks from the date of the accident. This diagnosis must be confirmed by a consultant neurologist and supported by unequivocal findings on Magnetic Resonance Imaging, Computerised Tomography, or other reliable imaging techniques. The accident must be caused solely and directly by accidental, violent, external and visible means and independently of all other causes.
The following are excluded:
Spinal cord injury; and
Head injury due to any other causes.
Systemic Lupus Erthematosus
Our Plan
Late Stage
A multisystem, multifactorial, autoimmune disorder which mostly affects females in their childbearing years and is characterized by the development of auto-antibodies directed against various self-antigens. In respect of this contract, systematic lupus erythematous will be restricted to those forms of systematic lupus erythematous that require systemic immunosuppressive therapy for multiple organ involvement for at least 6 months under the direction of a Specialist. Evidence must be provided from the treating Specialist that proves to our satisfaction that there has been involvement of at least three specified internal organs.
For the purposes of this benefit the listed specified organs are restricted to the kidneys, brain, heart (or pericardium), lungs (or pleura) and joints. Joint involvement is defined as the presence of polyarticular inflammatory arthritis. Skin involvement is not considered one of the specified organs for the purposes of this benefit.
Other forms, discoid lupus and those forms with hematological involvement will be specifically excluded. The final diagnosis may have to be supported by a Specialist.
A multi-system, multifactorial, autoimmune disorder characterized by the development of auto-antibodies directed against various self-antigens. In respect of this contract, systemic lupus erythematosus will be restricted to those forms of systemic lupus erythematosus which involve the kidneys (Class III to Class V Lupus Nephritis, established by renal biopsy, and in accordance with the WHO Classification). The final diagnosis must be confirmed by a certified doctor specializing in Rheumatology and Immunology.
Paralysis (Loss of Limbs)
Our Plan
Late Stage
Total and irreversible loss of use of at least one (1) entire limb (above elbow or above knee) due to illness or accident. This condition must be confirmed by a Specialist.
Self-inflicted (both accidental and intentional) injuries are excluded.
Total and irreversible loss of use of at least two (2) entire limbs due to injury or disease. This condition must be confirmed by a consultant neurologist.
Self-inflicted injuries are excluded.
FAQ
Who is eligible for our Critical Illness Protection Plan?
This plan is available only to residents of Singapore. (A resident of a country is defined as a person who resides in that country for a minimum of 183 days per year.)
The number of conditions covered under your Critical Illness Protection Plan is less than the number of conditions covered under competing plans. Why should I consider your plan?
The Life Insurance Association of Singapore (LIA) limits insurers to covering a total of 30 critical illnesses. When plans claim to cover a large number of conditions, they are actually various stages of 30 critical illnesses. We chose simplicity and sensibility over having a large number of covered conditions.
Similar to competing plans, our plan covers:
Heart Attack (M:18%; F:4%);
Stroke (M:6%; F:5%);
Bypass (M:11%; F:2%);
Cancer (M:55%; F:79%).
Together, these conditions make up about 90% of all CI claims for both males (M) and females (F).
Our scope of coverage is the same as competing plans and the reduced number of definitions for the covered conditions makes our plan simpler and more sensible.
To find out more about our Critical Illness Protection plan, please enter your name, email, and phone number in the form below now.
Find Out More About Our Early Critical Illness Protection Plan Today
Our financial adviser will contact you after you submit your request for information. All financial advisers that we recommend are licensed and regulated in Singapore. We respect your privacy and will not share your details with anyone other than the financial adviser we recommend for you. This service is free, and there are no obligations to start any plan unless you want to.
