Critical Illness Insurance - Get a Quote

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Critical Illness Insurance Quote
now.

 

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Get quotes for
the 5 main types of
Critical Illness Insurance Cover

 

cancer

Cancer only

 

Affordable cover for early and advanced stage cancers.

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Early stage critical ilklness

Early-Stage Critical Illness

Get benefits early to ease your recovery.

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later cancer flower

Late-Stage Critical Illness

More affordable than Early-Stage Critical Illness plans. 

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multipay critical illness shield

Multi-Pay Critical Illness

Comprehensive cover that pays out on multiple critical illnesses.

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whole life heart beat

Limited Pay Whole of Life + Critical Illness

Longest cover with surrender values. 

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Do you need 
critical illness insurance
?

 

Critical Illness Insurance typically pays a lump sum to you if you are diagnosed with one of the conditions or a major life-threatening illness as defined in the insurance policy.

 

When you have a critical illness, your primary concern (and that of your family) is getting you the best possible care - no matter what the costs are. Although you may have hospital insurance, there are expenses associated with a critical illness that your hospital plan may not cover, such as deductibles, co-insurance payments, certain prescription, alternative medicines, advanced medical care overseas or experimental drugs.

 

In addition, advances in the medical care allow more people to survive major illnesses. The likelihood of someone surviving a critical illness is actually quite high. However, survivors of critical illnesses may find that they are no longer able to work or may need to have expensive after-care services.

 

 

Who should buy this product?

 

You should consider critical illness insurance if you have limited savings or are worried about high medical expenses should you fall seriously ill. In addition, you should buy a critical illness insurance policy if you want to have flexible financial support in the event of a critical illness. The payout is a lump sum amount and you decide what you want to do with it!

 

Whether or not you have dependants may not be an important consideration, as the money is principally for yourself. You can use it to get the required level of medical care, cover a variety of expenses and provide income if you are unable to work. Do note that the cost of healthcare can put a major strain on finances, especially for critical illnesses, as it often involves major surgery, long- term hospital care, or if the illness leads to disability and inability to work.

 

How much
coverage should you buy?

 

Typically, the payout from a critical illness product will go to pay for:

 

green tick circle Loss of your income during the time of illness;

green tick circle Payment of co-insurance and deductibles from hospital plans;

green tick circle Cutting-edge drugs or treatment;

green tick circle Hiring extra help to assist you with daily activities; or

green tick circle Rehabilitation after the treatment of the illness.

 

The amount of coverage that you would need could vary over a wide range. This is primarily because the cost of new drug treatments that you may want to access is dependent on the type of critical illness and medical advancements over time.

 

 

Here are some common questions
about Critical Illness Insurance Plans

1. Should I apply for my Critical Illness cover now or wait till I am older and more likely to get struck by Critical Illness?

 

Our advice is that you get your Critical Illness Insurance cover as soon as possible. As you get older, there is a high chance that you would develop medical conditions. Even if these medical conditions are not classified as "critical illness", it may mean that insurer would not be willing to offer you any cover at that time. 

 

 

2. What is the maximum age that Critical Illness Insurance will cover to?

 

It depends on the policy. Typical Critical Illness plans will cover you until 85. If you are looking for a whole of life critical illness cover, simply select the Limited Pay Whole of Life + Critical Illness option above.

 

 

3. Do I need to go for a medical examination if I apply for Critical Illness Insurance?

 

If you are above a certain age and/or sum assured, then, yes, you will need to go for a medical checkup.

 

 

 

InsureDIY is an online financial adviser licensed by Monetary Authority of Singapore and we are an approved adviser by our panel of insurance companies. This advertisement has not been reviewed by the Monetary Authority of Singapore.