Best Critical Illness Insurance 2019

Our guide will help you compare different types of critical illness insurance policies in Singapore. Whether it's cancer-only coverage or or a multi-pay policy, we explore all the options available for you.

Table of Contents

Cheapest DPI Life Insurance Critical Illness Riders

Critical illness insurance is a type of insurance that offers a lump sum payment if you are diagnosed with any of the illnesses covered in your critical illness plan. You can spend this lump sum on anything ranging from paying gaps in your health insurance to everyday life expenses. There are two main types of critical illness insurance that you will encounter: standalone plans and add-ons. Standalone plans can be purchased without a life insurance policy whereas add-on plans will require you to purchase a base life insurance plan first. Currently, the Life Insurance Association (LIA) lists 37 critical illnesses, with standardised definitions across all critical illness insurance plans. All Direct Purchase Life Insurance (DPI) plans offer critical insurance riders that provide coverage for at least 30 of the 37 critical illnesses.

FWD Term Life DPI Critical Illness Rider

FWD's term life DPI plan is so affordable enough that its rates are still competitive even when you add the critical illness rider. For instance, consumers looking for DPI plans with S$300,000-S$400,000 of death and terminal illness coverage will see base plan and rider premiums around 50% cheaper than the industry. Furthermore, FWD is also competitive for 20-year DPI plans, with its premiums around 25-35% cheaper compared to other 20-year plans on the market. Its critical illness rider provides coverage for 30 out of the 37 critical illnesses. However, once you do make a claim on your critical illness rider, sum insured for death and terminal illness will be reduced according to the amount of your claim.

Monthly Premiums

Amount InsuredAmount of CI CoveragePlan TenureAge 25Age 35Age 45
S$50,000S$50,0005-YearsS$5.83S$10.09S$17.75
20-YearsS$6.83S$12.87S$30.32
Age 65S$12.31S$18.31S$29.41
S$200,000S$200,0005-YearsS$17.06S$28.54S$68.73
20-YearsS$20.88S$45.59S$119.01
Age 65S$39.85S$67.00S$117.45
S$400,000S$400,0005-YearsS$26.79S$44.19S$113.10
20-YearsS$36.19S$82.48S$237.68
Age 65S$67.86S$111.36S$208.46
*Premiums are subject to change, are for Non-Smoking Males and include the Critical Illness rider. Accurate as of 09/2018

Aviva Term Life DPI Critical Illness Rider

Aviva's critical illness rider is very competitively priced for younger consumers looking for 5-year and 20-year DPI plans. For instance, Aviva's 5-year term life DPI base life insurance plan plus the critical illness rider can cost up to 15% less than the same combination from other insurance companies. Aviva offers coverage for 30 of the 37 critical illnesses. Similar to other DPI critical illness add-ons, it will decrease the total death benefit by the amount claimed of the critical illness rider.

Monthly Premiums

Amount InsuredAmount of CI CoveragePlan TenureAge 25Age 35Age 45
S$50,000S$50,0005-YearsS$3.85S$6.30S$15.60
20-YearsS$5.15S$11.80N/A
Age 65S$9.45S$16.65S$29.85
S$200,000S$200,0005-YearsS$13.70S$23.10S$58.25
20-YearsS$18.65S$43.50N/A
Age 65S$34.35S$61.25S$110.65
S$400,000S$400,0005-YearsS$26.30S$44.90S$113.90
20-YearsS$36.10S$84.75N/A
Age 65S$66.55S$119.10S$215.80
*Premiums are subject to change, are for Non-Smoking Males and include Critical Illness coverage. Accurate as of 09/2018

SingLife Term Life DPI Critical Illness Rider

SingLife's Term Life DPI and Critical Illness rider combination are competitive for older consumers, especially for up to age 65 plans. For instance, its up to age 65 plans are around 10% below average for consumers 45 and over compared to other DPI term life/critical rider packages. SingLife's critical illness rider covers 30 critical illness conditions and terminal illnesses. SingLife is an accelerated payment policy, meaning that once you file a claim under the critical illness rider, your base plan's death and terminal illness will decrease by the claimed amount.

Monthly Premiums

Amount InsuredAmount of CI CoveragePlan TenureAge 25Age 35Age 45
S$50,000S$50,0005-YearsS$4.40S$6.76S$15.54
20-YearsS$4.64S$10.51N/A
Age 65S$7.88S$15.34S$26.91
S$200,000S$200,0005-YearsS$15.85S$25.15S$59.74
20-YearsS$16.79S$39.93N/A
Age 65S$29.64S$59.04S$104.70
S$400,000S$400,0005-YearsS$29.68S$47.86S$115.48
20-YearsS$31.49S$76.73N/A
Age 65S$56.86S$114.36S$203.85
*Premiums are subject to change, are for Non-Smoking Males and include Critical Illness coverage. Accurate as of 09/2018

Etiqa Whole Life DPI Critical Illness Rider

Etiqa's critical illness rider is competitively priced compared to other whole life DPI and critical illness plan packages. For instance, the total cost of its up to age 70 whole life DPI and critical illness rider package is up to 15-20% cheaper than the industry average. Etiqa's critical illness rider covers 30 of the 37 critical illnesses. Similar to other DPI critical illness riders, it will reduce the sum insured on your base DPI policy by the amount claimed on your critical illness rider.

Monthly Premiums

Amount InsuredAmount of CI CoveragePlan TenureAge 25Age 35Age 45
S$50,000S$50,000Age 70S$64.23S$91.31S$143.73
Age 85S$61.28S$84.62S$125.31
S$100,000S$100,000Age 70S$128.47S$182.63S$287.46
Age 85S$122.58169.24S$250.61
S$150,000S$150,000Age 70S$192.69S$273.94S$431.19
Age 85S$183.86S$253.85S$375.92
S$200,000S$200,000Age 70S$256.92S$365.26S$574.93
Age 85S$245.15S$338.47S$501.22
*Premiums are subject to change, are for Non-Smoking Males and include Critical Illness coverage. Accurate as of 09/2018

Early Stage Critical Illness Insurance Plans

{"items":["\u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate life_insurance_companies: Aviva MyEarly Critical Illness - Image\" data-eventlabel=\"Aviva MyEarly Critical Illness\" rel=\"noopener\" target=\"_blank\" title=\"Aviva MyEarly Critical Illness\" href=\"\/redirect?link=https%3A%2F%2Fwww.aviva.com.sg%2Fen%2Finsurance%2Flife-and-health%2Fmy-early-critical-illness-plan%2F\"\u003E\u003Cimg alt=\"Aviva MyEarly Critical Illness\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate life_insurance_companies: Aviva MyEarly Critical Illness - Button\" data-eventlabel=\"Aviva MyEarly Critical Illness\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva MyEarly Critical Illness\" href=\"\/redirect?link=https%3A%2F%2Fwww.aviva.com.sg%2Fen%2Finsurance%2Flife-and-health%2Fmy-early-critical-illness-plan%2F\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"AXA EarlyStage Criticare\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/axa-2\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/axa-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/axa-2 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

Early stage critical illness insurance plans offer full payouts for early and intermediate stage critical illnesses. This is in contrast to regular critical illness plans that only offer a full payout during the advanced stage of the illness. For instance, Aviva's MyEarly Critical Illness Plan will provide a 100% lump sum payout in for any of the covered critical illnesses at any of their stages. It will also cover you until age 99 and lets you pay in the currency of your choice, including USD, GBP and AUD. Another example is AXA's EarlyStage Criticare. With this plan, you will receive a 100% lump sum payout during the early onset of your critical illness and up to 150% of the sum assured at the terminal stage of your illness. It also offers a premium waiver for the duration of your policy after your first successful claim.

PlanMax. Age InsuredMax. Sum AssuredBenefitsFeatures
AXA EarlyStage CritiCare75S$200,000All stages of CIWaiver of premiums, 150% payout for terminal stage illness, 10% loyalty discount, post-critical illness check-up benefit
Aviva MyEarly Critical Illness99S$250,000All stages of CIFree child cover, waiver of premiums, death benefit, special benefit for 18 other diseases, choice of currency

Multi-Pay Critical Illness Insurance Plans

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Button\" data-eventlabel=\"Aviva MyMultiPay Critical Illness Plan III\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva MyMultiPay Critical Illness Plan III\" href=\"\/redirect?link=https%3A%2F%2Fwww.aviva.com.sg%2Fen%2Finsurance%2Flife-and-health%2Fmy-multipay-critical-illness-plan-iii%2F\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate life_insurance_companies: Prudential PRUtriple Protect - Image\" data-eventlabel=\"Prudential PRUtriple Protect\" rel=\"noopener\" target=\"_blank\" title=\"Prudential PRUtriple Protect\" href=\"\/redirect?link=https%3A%2F%2Fwww.prudential.com.sg%2Fproducts%2Fprotection%2Fcritical-illness%2Fprutriple-protect\"\u003E\u003Cimg alt=\"Prudential PRUtriple Protect\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/prudential-2\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/prudential-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/prudential-2 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate life_insurance_companies: Prudential PRUtriple Protect - Button\" data-eventlabel=\"Prudential PRUtriple Protect\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Prudential PRUtriple Protect\" href=\"\/redirect?link=https%3A%2F%2Fwww.prudential.com.sg%2Fproducts%2Fprotection%2Fcritical-illness%2Fprutriple-protect\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate life_insurance_companies: ManuLife Ready CompleteCare (Cover Me Again) - Image\" data-eventlabel=\"ManuLife Ready CompleteCare (Cover Me Again)\" rel=\"noopener\" target=\"_blank\" title=\"ManuLife Ready CompleteCare (Cover Me Again)\" href=\"\/redirect?link=https%3A%2F%2Fwww.manulife.com.sg%2Four-solutions%2Fhealth%2Fcritical-illness%2Fready-complete-care.html\"\u003E\u003Cimg alt=\"ManuLife Ready CompleteCare (Cover Me Again)\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/manulife-1.png\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/manulife-1.png 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/manulife-1.png 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate life_insurance_companies: ManuLife Ready CompleteCare (Cover Me Again) - Button\" data-eventlabel=\"ManuLife Ready CompleteCare (Cover Me Again)\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"ManuLife Ready CompleteCare (Cover Me Again)\" href=\"\/redirect?link=https%3A%2F%2Fwww.manulife.com.sg%2Four-solutions%2Fhealth%2Fcritical-illness%2Fready-complete-care.html\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate life_insurance_companies: TokioMarine TM MultiCare - Image\" data-eventlabel=\"TokioMarine TM MultiCare\" rel=\"noopener\" target=\"_blank\" title=\"TokioMarine TM MultiCare\" href=\"\/redirect?link=https%3A%2F%2Fwww.tokiomarine.com%2Fsg%2Fen%2Fpersonal%2Fprotect%2Fprotect-your-health%2Ftm-multicare.html\"\u003E\u003Cimg alt=\"TokioMarine TM MultiCare\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/tokiomarine-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/tokiomarine-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/tokiomarine-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate life_insurance_companies: TokioMarine TM MultiCare - Button\" data-eventlabel=\"TokioMarine TM MultiCare\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"TokioMarine TM MultiCare\" href=\"\/redirect?link=https%3A%2F%2Fwww.tokiomarine.com%2Fsg%2Fen%2Fpersonal%2Fprotect%2Fprotect-your-health%2Ftm-multicare.html\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

Unlike most critical insurance plans, multi-claim critical insurance plans allow you to claim multiple times for different critical illnesses. These plans can be beneficial for those who are expecting to have a condition that may lead to other critical illnesses. Furthermore, multi-claim plans may also provide miscellaneous benefits such as bonus payouts for Special Conditions (i.e. diabetes complications, mastectomies), death benefits and Juvenile Conditions coverage.

Aviva MyMultiPay Critical Illness Plan III is one such plan and provides up to 5 lump sum payouts with up to 600% of the sum assured. You will also get an additional payout of up to 20% of your sum assured upon diagnosis of 24 Special Conditions. Another example of a multi-claim critical insurance plan is the ManuLife Ready CompleteCare with the "cover again" add-on. It offers a payout of up to 500% of the sum assured for 36 critical illnesses and you can claim up to 6 times per policy as long as each of the conditions are different. Furthermore, you will get a lump sum benefit of S$25,000 when diagnosed with one of the 18 Special Conditions.

Prudential's PRUtriple Protect plan is a multi-claim critical illness plan offering one of the highest potential payouts on the market. You can claim up to 300% (maximum of S$9 million) of your sum assured and you'll have protection against death and total and permanent disability as well. Lastly, TokioMarine's TM MultiCare is another multi-pay plan and provides a total payout of up to 900% of the sum assured. It lets you claim twice for advanced stage critical illness, twice for major cancers and twice for early or intermediate stage critical illnesses.

PlanMax. Age InsuredTotal No. of ClaimsBenefitsFeatures
Aviva MyMultiPay Critical Illness Plan III995Early, Intermediate, Advanced CIWaiver of premiums, S$5,000 death benefit, recurring illness payout, 300% sum assured total benefit, choice of currency
ManuLife Ready CompleteCare (CoverMeAgain)N/A6Early, Intermediate, Advanced CIFree biennial health check, 500% coverage, free child coverage, additional payout for 18 extra conditions, return of premiums upon death
Prudential PRUtriple Protect753Advanced CI, TPDSpecial medical conditions coverage, ability to convert plan to life policy with no medical proof required
TokioMarine TM MultiCare70, 75 or 856Early, Intermediate, Advanced CIUp to 900% payout of sum assured, additional coverage for 10 Special Conditions, 10 Juvenile Conditions

Tailored Critical Illness Plans

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There are some critical illness plans that target either a specific demographic or a specific illness. These serve to provide protection for consumers who are concerned about a particular illness and would rather pay only for the coverage they need. A couple examples of these types of critical illness plan are AXA's Criticare for Her and Criticare for Him and TokioMarine's TM Protect Cancer. AXA's Criticare for Her/Him plans offer tailored coverage of gender-specific critical illnesses such as cervical cancer or prostate cancer. These plans also provide miscellaneous benefits such as a premium waiver after the first payout, free child cover and biennial health checkups.

TokioMarine's Protect Cancer Plan is an example of an illness-specific critical illness plan, as it offers protection for early and advanced stage cancers. Its coverage is for adults between 30 and 65 and you will get a 50% payout upon diagnosis of early-stage cancer and a full payout up to S$150,000 upon diagnosis advanced stage cancer.

PlanMax. Age InsuredMax. Sum AssuredBenefitsFeatures
AXA CritiCare for Her65S$150,000Female illness coverage, surgery, reconstructive surgery, support benefitGuaranteed renewable, waiver of premium, multiple claims, free child cover, biennial health checkup
AXA CritiCare for Him65S$150,000Male illness coverage, surgery, reconstructive surgery, support benefitGuaranteed renewable, waiver of premium, multiple claims, free child cover, biennial health checkup
TokioMarine TM ProtectCancer85S$150,000Early and advanced stage cancerDeath benefit, 50% early detection benefit, guaranteed renewable

Disclaimer

Regardless of the policy you are thinking of getting, analysing all of your life insurance options and speaking to a licensed financial advisor is key to making sure you are getting the right plan. We do not claim to endorse, promote or recommend any product on this page. All products listed here are examples of different types of critical illness insurance and their benefits and is meant for educational purposes only.

Anastassia Evlanova

Anastassia is a Research Analyst at ValueChampion Singapore, focusing on insurance. She graduated with Honors from Mohawk College with a postgraduate diploma in International Business Management and holds a B.A. in Economics from New York University. Her prior working experience includes work in the capital markets sector.

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