Best Critical Illness Insurance 2019

We conducted a thorough premium and benefit analysis of dozens of critical illness insurance plans in Singapore, weighing each plan based on purchase eligibility, benefits offered and cost. If you are looking to protect yourself from unexpected medical bills, you can take a look at our top picks below. To make it easy, we separated the plans based on their type, the benefits offered and their cost.

Table of Contents

Online Purchasable Critical Insurance Plans

FWD and Great Eastern are two insurers who let you buy critical illness protection online without having to go through the traditional routes. FWD offers a cancer-only product and Great Eastern offers a family-focused multi-generational critical illness plan.

Cancer Insurance Plans

A cancer-only critical illness plan can be a suitable option for individuals who put more weight on protecting themselves against cancer as opposed to other illnesses. FWD's Cancer Insurance offers simple but above-average coverage for an affordable price, making it a high value cancer-only critical illness option. First, its maximum cancer coverage amount of S$200,000 is above average compared to other cancer-only plans on the market. Furthermore, there is also a fixed S$5,000 death coverage.

Furthermore, you can purchase this plan online and receive the full 100% sum assured for any stage of cancer, which are both unique features. In terms of miscellaneous benefits, you will also receive complimentary medical advice from a second doctor, can file a claim online and purchase the policy without getting a medical examination.

Promotion: "CANCER20" for 20% off + S$30 CapitaVoucher* (*Premiums > S$200)

Summary of Annual Premiums for FWD's Cancer Insurance

Amount Insured (Cancer)Age 25Age 35Age 45Age 55
S$50,000S$98S$118S$208S$488
S$100,000S$148S$178S$358S$838
S$200,000S$248S$288S$588S$1,348
Premiums are for non-smoking males and are subject to change. Accurate as of 12/2018.

Multi-Generational Critical Illness Insurance

Great Eastern's GREAT Family Care is a unique standalone critical illness plan that provides protection for the whole family. You will receive coverage against 53 critical illnesses, death, total and permanent disability and Terminal Illness until age 85. Your children will also receive the same coverage, including 25 additional juvenile conditions, for free until they turn 18. Furthermore, you can add a rider that will provide coverage for your parents with no need for a medical assessment. They will receive coverage until they turn 100 against major cancers, Alzheimer's disease/Severe Dementia and Parkinson's. The maximum payout is 25% of your sum assured for your children (maximum S$50,000 per child) and 15% of the sum assured or S$15,000 (whichever is greater) for your parents.

Summary of Annual Premiums for GREAT Family Care Critical Illness Insurance

Amount InsuredAge 25Age 35Age 45Age 55
S$50,000S$502S$862S$1,278S$1,535
S$100,000S$727S$1,299S$2,038S$2,539
S$200,000S$1,352S$2,494S$3,971S$4,974
Premiums are for non-smoking males including the Parent Protect rider and are subject to change. Accurate as of 07/2019

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

Multi-Pay Critical Illness Insurance Plans

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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. 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.

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. 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.

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
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
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

Early Stage Critical Illness Insurance Plans

{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\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: 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=\"AffiliateBanner--link\"\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%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.aviva.com.sg%252Fen%252Finsurance%252Flife-and-health%252Fmy-early-critical-illness-plan%252F\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\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: 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=\"AffiliateBanner--link\"\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%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.aviva.com.sg%252Fen%252Finsurance%252Flife-and-health%252Fmy-early-critical-illness-plan%252F\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\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\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\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\n\u003C\/div\u003E\n"],"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

Tailored Critical Illness Plans

{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\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 Protect Cancer - Image\" data-eventlabel=\"TokioMarine TM Protect Cancer\" rel=\"noopener\" target=\"_blank\" title=\"TokioMarine TM Protect Cancer\" href=\"\/redirect?link=https%3A%2F%2Fwww.tokiomarine.com%2Fsg%2Fen%2Fpersonal%2Fprotect%2Fprotect-your-health%2Ftm-protect-cancer.html\"\u003E\u003Cimg alt=\"TokioMarine TM Protect Cancer\" 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=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate life_insurance_companies: TokioMarine TM Protect Cancer - 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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 FWD's Cancer Insurance, 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

How to Find the Best Critical Illness Plan

Critical illness insurance is a good option for those who have a hereditary or genetic predisposition to illnesses such as heart disease, hypertension and cancers. However, the best critical illness policy for you depends wholly on your individual needs. For instance, the add-on option that is offered with your life insurance policy may be enough if you want to be protected against major illnesses but may not require specific coverage. However, you should note that when it comes to DPI policies, your critical illness payout will reduce your total death & TPD benefit by that amount. In this case, you should make sure you have a sufficient amount of death coverage left over in the event you need to make a critical illness claim.

Alternatively, you can also opt for gender or disease specific plans if you are worried about a particular illness. These plans are usually labeled as female, male or cancer illness plans and can be a good option if you have a higher risk of these diseases. On the other hand, multi-pay policies may be a good option for those looking to spend a little more but get the ability to claim multiple times throughout their policy. This is an especially helpful benefit for those who want long-term cancer protection since the risk of getting other cancers or other diseases caused by cancer treatment (e.g. heart problems after chemotherapy or radiation treatment) increases after developing cancer.

Lastly, early stage critical illness plan may benefit consumers who prioritise prevention. These plans cover all stages of critical illnesses, in contrast to the average CI plan that only covers late stage illnesses. These plans can be a good option for individuals who are cash-strapped since early treatment is generally more affordable than late-stage treatment.

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 are 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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