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1. Shard Calculation

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Response:

Calculated Shard: 177 (from laksa144)

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Query:

curl -X POST \
  'http://laksa177.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore","crawl_time":1776383631,"first_indexed_time":1597983064,"http_code":200,"src_unparsed":"sg,com,singsaver!www,\/blog\/best-critical-illness-insurance-singapore s443","src_root_hash":"1354253889108504977","history_drop_reason":null,"meta_title":"Best Critical Illness Insurance Plans In Singapore (March 2026)","meta_descriptions":["Critical illness insurance gives you a lump sum payout upon diagnosis of specific illnesses. Check out the best critical illness insurance in Singapore."],"attrs_boilerpipe_text":"When you want protection that goes beyond just covering your medical costs, critical illness insurance is the logical choice. But with so many options out there, which ones are best for you? We investigate in this article.\nBest Critical Illness Insurance Plans in Singapore on SingSaver\nFWD Big 3 Critical Illness\n|\nGREAT Critical Cover\n|\nTiq 3 Plus Critical Illness\nIn a nutshell, critical illness insurance is insurance that gives you a lump sum pay-out upon diagnosis of specific critical illnesses.\nIt can be considered as a supplement to health insurance, which covers your medical costs but cannot compensate you for any loss of income. For instance, if you are forced to take time off work or have additional expenses (i.e transport costs to the hospital, health supplements, mental wellness sessions, etc) incurred.\nThat’s where critical illness insurance comes in. Although it is a ‘supplement’, it is a very important one. A Straits Times article based on a LIA survey found that the average Singaporean has a critical illness insurance gap of\nS$256,000\n.\nThat number is essentially the estimated ‘lost earnings’ from having to take time off work to recover from an illness.\nIn short, if you are worried about potentially losing income or savings from contracting a major illness, critical illness insurance should be part of your insurance portfolio. We’ve picked out five plans, with each one being the winner in their respective categories.\n(Note: We will not be including\ncancer insurance\nplans here. These are ‘critical illness-lite’, having the same structure as a critical illness plan, but only covering cancer. If you’re looking for the top cancer insurance picks,\ncheck out this article instead\n.)\nCritical Illness Insurance Plan\nHighlights\nAnnual Premium \/ Promotion\nFWD Big 3 Critical Illness\nApply Now\nAdditional S$20,000 death benefit\nFull payout for all stages of cancer, Heart Attack of Specified Severity or Stroke with Permanent Neurological Deficit\nFrom S$296.20\n[1]\nUse promo code\nBIG60\n to get\n60%\ndiscount. Valid till 28 February 2026. T&Cs apply.\nGREAT Critical Cover (GCC)\nApply Now\nFull payout for all stages of cancer and 53 critical illnesses\nProtect Me Again rider to receive additional coverage of 100% lump sum payout for up to three critical illness claims \nFlexibility in protection against 53 critical illnesses or the top 3 critical illness conditions - cancer, heart attack or stroke.\nTwo plans are available:\nGREAT Critical Cover: Top 3 CIs\nand\nGREAT Critical Cover: Complete\n S$646.2 (up to 65), $1173.60 (up to 85)\n[2]\n10% off perpetual discount on GCC premiums\nTiq 3 Plus Critical Illness\nApply Now\nFull payout for all stages of cancer, Heart Attack of Specified Severity or Stroke with Permanent Neurological Deficit\nComplimentary death benefit coverage of S$20,000 for insured and up to 4 of the insured’s youngest children\nOptional Heart and Neurological Rider for greater coverage beyond severe stage heart attacks and strokes\nRenewable up to age 85\nS$342\n[3]\nFor a 35-year old non-smoking female with sum assured of S$100,000, renewable to age 85\nUse the promo code MULTI60 to get up to 60% off for 1st year premium. Valid till 31 March 2026. T&Cs apply.\nSinglife Comprehensive Critical Illness\nFull payouts for all stages of diagnosis\nAdditional special conditions benefit that can be claimed up to 6 times\nBenign and Borderline Malignant Tumour Benefit grants an additional payout upon complete surgical excision (benign) or diagnosis (borderline malignant)\nPremiums don’t increase with age\nS$1,052\n[4]\nAIA Beyond Critical Care\n104 conditions covered (upon inclusion of riders)\n100% Refund of Premium benefit refunds you a lump sum upon policy expiry\nMental well-being benefit covers 5 prominent mental illnesses\nS$3,411\n[5]\n[1]\nFor a 35-year old non-smoking female with sum assured of S$100,000, renewable to age 85\n[2]\nFor a 35-year old non-smoking female with sum assured of S$100,000\n[3]\nFor a 35-year old non-smoking female with sum assured of S$100,000 to age 75\n[4]\nFor a 35-year old non-smoking female with sum assured of S$100,000, renewable term\n[5]\nFor a 35-year old non-smoking male with sum assured of S$100,000 to age 85\nFWD Big 3 Critical Illness\nGREAT Critical Cover (GCC)\nTiq 3 Plus Critical Illness\nSinglife Comprehensive Critical Illness\nAIA Beyond Critical Care\n4 more bonus CI options\nFWD Big 3 Critical Illness – Best basic critical illness plan\nIf you are looking for something more extensive than cancer insurance, but don’t want to pay the costs associated with most critical illness plans, then FWD’s Big 3 Critical Illness is for you. It is a ‘basic’ plan that only covers Singapore’s\nbig three killers\n: cancer, heart attack, and stroke.\nIf you want wider coverage, you can always purchase a rider to cover an additional 24 conditions that affect your brain or heart function. The sum assured starts at S$50,000 and goes up to S$200,000. This plan also comes with an additional S$20,000 death benefit.\nThis policy is offered on a renewable basis until age 85. This means that the premium will increase year on year as you renew, but the good news is that the renewal is guaranteed without further underwriting.\nThat said, keep in mind that this is a basic plan. The heart attack must be of a specified severity and the stroke has to be one that leaves a permanent neurological deficit (A.K.A. brain damage) to qualify for the payout.\nBut if you want something that is bare bones and low cost, this is a good plan for you. On the plus side, it does offer the full payout for all stages of cancer.\nBack to top\nGREAT Critical Cover: Complete (GCC) – Best for multi-pay coverage\nGetting a critical illness diagnosis at a younger age is, unfortunately, getting common and can sometimes lead to a recurring 2nd or 3rd diagnosis. \nThanks to medical science, with treatment and care, full recovery is a great possibility. Great Eastern’s GREAT Critical Cover offers two options, one offering coverage for the top 3 critical illnesses and the other offering coverage against 53 critical illnesses. \nWhat's worth highlighting about this plan is the Protect Me Again rider, which offers 100% payout for up to a total of three critical illness claims. This provides peace of mind during recovery, taking a load off financial concerns. \nGetting your CI coverage sorted when you are young is one of the best things you can do for yourself. Not only is the premium lower, the fact that you're young and healthy makes you eligible to purchase a CI plan, whereas any change in your health as you get older could potentially make you ineligible for CI plans.\nIf you are looking for an affordable critical illness plan, Great Eastern’s Critical Cover would be a solid shield.\nTo find out more, here's\na full review\nof the plan.\nBack to top\nTiq 3 Plus Critical Illness – Best protection for young dependants\nOne of the main concerns for a critical illness plan is whether it provides sufficient support for dependents due to the loss of income. For those with young children, Tiq 3 Plus Critical Illness would be an attractive option. \nThe plan covers cancer (all stages), stroke with permanent neurological deficit, and heart attack of specified severity, with the sum assured from S$30,000 up to S$300,000. On top of that, it also has a death benefit of S$20,000 not only for the insured person, but also for four of the insured person’s youngest children. \nAnother unique feature is the Special Conditions Benefit, which provides an additional 20% of the sum insured against Diabetic Complications or Severe Rheumatoid Arthritis (SRA), capped at S$25,000 per special condition.\nWhat makes this plan a good purchase is its affordability. For wider coverage, you can always top-up with a rider to cover an additional 24 conditions that affect your brain or heart functions. This policy is offered on a renewable basis until age 85 and available to apply up to age 70.\nA comprehensive plan that offers good coverage and support for those with young dependants. \nSinglife Comprehensive Critical Illness\n– Best early-stage coverage\nWhen people think of ‘critical illness’ and ‘\nearly stage\n’, the first thing that comes to mind is\ncancer\n. But cancer is not the only critical illness that can be diagnosed early. There are many others: Parkinson’s, multiple sclerosis, and Alzheimer’s are three such examples, and they are all covered under Singlife Comprehensive Critical Illness.\nThis plan covers 132 conditions across various stages of critical illnesses and offers full payouts for early or intermediate-stage diagnoses.\nOn top of that, you can also claim an additional benefit (‘Special Benefit’) of up to S$25,000 for 27 special conditions – such as angioplasty, severe haemophilia – without reducing your basic sum assured amount. You can claim this special benefit up to six times, as long as each is for a different condition.\nThis policy offers lifetime coverage, up to age 99 (the ‘Special Benefit’ is only up to age 18\/85 depending on the medical condition). Furthermore, your premiums won’t increase with age, giving you better visibility when managing your finances.\nSinglife's Comprehensive Critical Illness has the edge over its predecessor by including two new benefits as well: the Intensive Care Benefit and Benign and Borderline Malignant Tumour Benefit. Both grant payouts are identical to the Special Benefit, which makes things easy to understand.\nFor the former benefit, a payout is made should you be admitted to the Intensive Care Unit for 4 days at least. For the latter, a payout is made either upon a complete surgical excision of a benign tumour with suspected malignancy or diagnosis of a borderline malignant tumour.\nStarting at approximately S$88 a month, this plan is competitively priced. And if you want to ensure you can get a cash infusion the moment you are diagnosed with a critical illness – regardless of the stage – this might be ideal for you.\nFind out more\n.\nBack to top\nAIA Beyond Critical Care – A holistic critical illness plan\nThus far, we have rated affordability as a strong factor when determining which plans should be included in this list. That makes perfect sense for most – but not for everybody. What about someone whose level of coverage is the most important factor? If that sounds like you, then you should look at AIA’s Beyond Critical Care.\nThis is a pricey plan no doubt, with premiums reaching S$300 per month should you decide to include riders such as Early Critical Cover Extra and Early Critical Protector Waiver of Premium. However, these just enhance a policy that is already well-rounded and includes benefits that many would find essential today.\nFirstly, policyholders age 21 years and above are granted a\nhealth screening\nbenefit of up to S$200 once every three years. This begins from the fourth policy year onwards and provides additional encouragement for you to schedule regular checkups.\nSecondly, the policy's pioneering\nmental well-being\nbenefit allows you to make a maximum of five claims up to age 75. Five mental illnesses are covered by this benefit, including Obsessive Compulsive Disorder and Major Depressive Disorders. Each claim is capped at S$50,000 and there is a waiting period of 3 years between each one. Additionally, there is a limit of S$150,000 for mental health claims across all AIA policies.\nIf you require a critical illness plan that is an all-rounder, AIA's Beyond Critical Care is the one for you. And despite its higher premiums, do note that a 100% refund will be paid out upon policy expiry, less any claims made of course.\nFind out more\n.\nBack to top\n4 more plans worth a critical look\nSince August 2020, the\ndefinitions of critical illnesses have been changed\nto express the coverages more clearly. While current policyholders are not impacted by this latest development, it has certainly drummed up interest by individuals who are yet to be covered by such plans.\nHere are five more critical illness plans for you to consider, in case you need to cast a wider net in terms of conditions or stages covered.\nPlan \nHighlights\nAnnual Premium\nTM Multicare\n10 Special Conditions and 10 Juvenile Conditions coverage\nMaximum payout can be up to 900% of Sum Assured\nDeath Benefit is 10% of sum assured, unlike other plans which offer a fixed nominal payout\nNot stated on the website\nSinglife Multipay Critical Illness\nMaximum Payout up to 900% of Sum Assured\nReceive additional 20% of Sum Assured under Intensive Care Benefit \nReceive additional 100% of Sum Assured upon first Severe Stage Critical Illness benefit claim under Advance Care Option Benefit\nS$1,187 per year [1]\nManulife's CI FlexiCare\nCovers up to 126 critical illnesses including intermediate and advanced stages \nFree coverage for your child\nCovers 23 special CI conditions, up to S$25,000, up to 6 claims\nOpt for the Cover Me Again Booster Rider to claim up to 4 times for another CI condition and up to 2 times for a repeated Advanced Stage CI condition\nNot stated on the website\nPruActive Protect\nCoverage up to age 100\nHighly customisable, with up to 6 benefits that can be added on\nAffordable premiums due to policy's modular nature\nS$451.92 [2]\n[1] For a 35-year old non-smoking male with sum assured of S$100,000 and policy term of 30 years\n[2] For a 24-year old non-smoking female with sum assured of S$100,000 and policy term of up to age 85\nTM Multicare\nSinglife’s Multipay Critical Illness\nManulife’s Ready CompleteCare\nPRUActiveProtect\nTM Multicare: Highest early stage critical illness payout \nOftentimes, the earlier a disease is diagnosed, the higher the chances of it being cured or successfully managed. With this lump sum payout, you have more options open if you are diagnosed with an early stage illness, such as seeking alternative medical treatments or deciding to take time off work to focus on recovery. \nTM Multicare also offers decent coverage for intermediate and advanced stages of CI. Covering 109 different stages of CIs, there are multiple payouts for early, intermediate and advanced stage critical illnesses, with a total payout of up to 900% of the sum assured. It also boasts additional coverage for 10 special conditions and 10 juvenile conditions –– such as osteoporosis and severe hemophilia –– with up to 20% coverage (capped at S$25,000). \nIt is important to note that the claim structure of TM Multicare can be quite complex. While a payout of 900% is possible, there are multiple restrictions, such as waiting periods between claims and limitations on the number of claims that can be made per category of CI. Additionally, the plan has grouped cancer and illness related to other major organs in the same category, which could be limiting. The protection term is also relatively inflexible, only offering coverage till ages 70, 75, or 85.\nThis plan is pricier than many others, including those on this list. However, it also comes out on top in terms of highest early stage CI payout, with up to two claims and no waiting period in between. This makes it an excellent choice for individuals who go for regular checkups.\nFind out more\nBack to top\nSinglife Multipay Critical Illness: Payout at any stage of critical illness\nWe’ve covered multi-pay critical illness plans before, and we found another one that managed to impress us. Multi-pay plans are essentially plans that allow you to make multiple claims, therefore receiving more than one payout. If you’re looking for a long-term plan to take on the financial burden of CIs, particularly recurring ones, this might be the one for you. \nThis Singlife plan was designed to protect policyholders by giving them the option of making multiple claims for conditions across different stages as well as recurring critical illnesses. With 132 conditions and recurrence of 6 specified critical illnesses, including recurrent heart attack of specified severity and repeated coronary artery by-pass surgery, covered, you get up to 900% of sum assured. \nIn addition, you can opt for the Advance Care Option to convert your recurrent critical illness benefit to an extra 100% of sum assured. However, once you exercise this Advance Care Option, the recurrent critical illness benefit will cease.\nYou will also receive an additional 20% of sum assured upon a complete surgical excision of a benign tumour (suspected malignancy), or upon diagnosis of a borderline malignant tumour, with a cap of S$25,000 per life. This is under the Benign and Borderline Malignant Tumour Benefit. The Intensive Care Benefit also allows you to receive an additional 20% of sum insured with a cap of S$25,000 per life.\nCoverage term ranges from 10 years to a maximum age of 99 years. It also comes with a death benefit – a lump sum payout of S$5,000. \nDo note that while there are multiple benefits, there are restrictions that can trigger the ceasing of the aforementioned benefits. In addition, there is a cap on how many times claims can be made for different categories of conditions. For instance, both the tumour and intensive care benefit can only be claimed once. \nOverall, this plan is a decent safety net for you as it ensures that you get multiple cash infusions no matter which stage of CI you are diagnosed at.\nFind out more\n.\nBack to top\nManulife's CI FlexiCare\n: Multiple claims and full premium refund\nHere’s another plan that allows you to make more than one claim while staying flexible. Manulife’s CI FlexiCare covers a decent range of 126 conditions and critical illnesses for all stages up to S$250,000, 100% of the basic sum insured. \nIn addition, it also covers an extra 23 special conditions for up to six claims (bearing in mind that each condition can only be claimed once), each claim can allow up to S$25,000 in payout.\nIn the event advance stage critical illness occurs to your child, an additional amount of S$10,000 will be paid out. This does not reduce your total sum assured. \nThe plan also allows you to choose from 4 coverage terms — to age 65, 75, 85 and 99.\nBecause of the nature of this plan, the claim structure may be a little tricky to understand. This plan separates its coverage into the basic core coverage and a ‘Cover Me Again’ coverage, which allows you to restart your coverage after you have made a claim.\nBasically, under this option, after receiving payout(s), your coverage continues for up to 4 times for other critical illnesses and up to 2 times for repeated advanced stage CI condition (for top 6 recurring conditions).\nCoverage will be restarted to 100% of basic sum insured after 12 claim-free months from the last critical illness claim. This is subject to a maximum payout of 500% of basic sum insured. Under the ‘Cover Me Again’ option, you also receive 200% of sum insured for six major advanced stage critical illnesses, and 100% of sum insured (capped at 200%) for subsequent advanced stage major cancer conditions, courtesy of the recurring cancer benefit. \nManulife’s monthly premiums are pretty competitive too. If you are able to get past the complex claim structure, its comprehensive coverage and flexible add-ons like  could just make it the right plan for you.\nFind out more\n.\nBack to top\nPRUActive Protect: Highly customisable to suit your needs\nInsurance coverage, like our lives, should never be static. Your needs evolve at every life stage and your coverage should increase and decrease alongside your number of dependents.\nPrudential recognises this, and its PRUActive Protect critical illness plan is highly customisable to ensure that coverage is always sufficient.\nAlthough the base plan only covers 37 critical illnesses such as Alzheimer's Disease and end-stage liver failure, remember that you're given the option to boost coverage throughout your policy's term. Supplementary benefits that can be tacked on include Early Protect (grants coverage against early-stage critical illnesses) and Life Protect Plus (additional lump sum payout upon death for up to 100% of your basic critical illness coverage).\nThe policy term itself is customisable as well, ranging from 10 to 99 years. And if you're a parent and purchase this policy alongside your spouse, you'll be glad to know that you children receive a complimentary Child Cover Benefit. This protects them against 36 critical illnesses and 9 juvenile conditions.\nFind out more\n.\nBack to top\nAn ounce of prevention is worth a pound of cure\nSimilarly, a dollar of protection could be worth a hundred in costs. Don’t underestimate the havoc a critical illness can wreak on your finances – even if all your medical costs are covered. \nOpportunity costs from potentially lost income must be factored in as well, making critical illness insurance a wise choice, especially given the S$256,000 critical illness protection gap.\nProtected up to specified limits by SDIC\n.\nNote: This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future healthcare needs.\nIf you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.\n \nRead these next:\nCritical Illness vs Cancer Insurance Plans: A Critical Comparison\nCritical Illness Plans vs Early Critical Illness Plans: Which Should You Get\nChanges to Definition of ‘Critical Illness’ in Life Insurance Policies\n5 Best Cancer Insurance Plans In Singapore\n5 Critical Things You Need to Know About Cancer Insurance\nSingapore Budget 2023 Preview: What To Look Out For","attrs_markdown":"menu\n\n[![SingSaver-Coloured-logo-updated](https:\/\/www.singsaver.com.sg\/hubfs\/SingSaver-Coloured-logo-updated.png)](https:\/\/www.singsaver.com.sg\/)\n\nclose\n\n- [Credit Card]()\n  - [Compare]()\n    - 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SingSaver assembles the '*[*Best For*](https:\/\/www.singsaver.com.sg\/blog\/tags\/best-for)*' list, so you can decide what’s best for you.*\n***\n## When you want protection that goes beyond just covering your medical costs, critical illness insurance is the logical choice. But with so many options out there, which ones are best for you? We investigate in this article.\n### Best Critical Illness Insurance Plans in Singapore on SingSaver\n[FWD Big 3 Critical Illness](https:\/\/singsaver.link\/fwd-big3-critical-illness) \\| [GREAT Critical Cover](https:\/\/singsaver.link\/GE-great-critical-cover) \\| [Tiq 3 Plus Critical Illness](https:\/\/singsaver.link\/tiq-3-plus-critical-illness)\n\nIn a nutshell, critical illness insurance is insurance that gives you a lump sum pay-out upon diagnosis of specific critical illnesses.\n\nIt can be considered as a supplement to health insurance, which covers your medical costs but cannot compensate you for any loss of income. For instance, if you are forced to take time off work or have additional expenses (i.e transport costs to the hospital, health supplements, mental wellness sessions, etc) incurred.\n\nThat’s where critical illness insurance comes in. Although it is a ‘supplement’, it is a very important one. A Straits Times article based on a LIA survey found that the average Singaporean has a critical illness insurance gap of S\\$256,000.\n\nThat number is essentially the estimated ‘lost earnings’ from having to take time off work to recover from an illness.\n\nIn short, if you are worried about potentially losing income or savings from contracting a major illness, critical illness insurance should be part of your insurance portfolio. We’ve picked out five plans, with each one being the winner in their respective categories.\n\n(Note: We will not be including [cancer insurance](https:\/\/www.singsaver.com.sg\/blog\/critical-things-about-cancer-insurance) plans here. These are ‘critical illness-lite’, having the same structure as a critical illness plan, but only covering cancer. If you’re looking for the top cancer insurance picks, [check out this article instead](https:\/\/www.singsaver.com.sg\/blog\/best-cancer-insurance-plans-singapore).)\n\n[**Compare Best Critical Illness Insurance Plans**](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore)\n\n|   |   |   |\n|---|---|---|\n| **Critical Illness Insurance Plan** | **Highlights** | **Annual Premium \/ Promotion** |\n| **[FWD Big 3 Critical Illness](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#fwdbig3) [![](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/Logo-Review-FWD-Travel-Insurance.png?width=150&height=66&name=Logo-Review-FWD-Travel-Insurance.png)](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#fwdbig3)** [**Apply Now**](https:\/\/singsaver.link\/fwd-big3-critical-illness) | Additional S\\$20,000 death benefit  Full payout for all stages of cancer, Heart Attack of Specified Severity or Stroke with Permanent Neurological Deficit | From S\\$296.20 \\[1\\]  Use promo code **BIG60** to get **60%** discount. Valid till 28 February 2026. T\\&Cs apply. |\n| **[GREAT Critical Cover (GCC)](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#gecc) ![](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/1200px-Great_Eastern_logo.svg_-300x117.png?width=250&name=1200px-Great_Eastern_logo.svg_-300x117.png)** [**Apply Now**](https:\/\/singsaver.link\/GE-great-critical-cover) | Full payout for all stages of cancer and 53 critical illnesses Protect Me Again rider to receive additional coverage of 100% lump sum payout for up to three critical illness claims Flexibility in protection against 53 critical illnesses or the top 3 critical illness conditions - cancer, heart attack or stroke. Two plans are available: GREAT Critical Cover: Top 3 CIs and GREAT Critical Cover: Complete | S\\$646.2 (up to 65), \\$1173.60 (up to 85) \\[2\\] 10% off perpetual discount on GCC premiums |\n| **[Tiq 3 Plus Critical Illness](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#tiq3plus) [![Tiq\\_Etiqa\\_LogoLockUp-02-2](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/Tiq_Etiqa_LogoLockUp-02-2.png?width=1271&height=899&name=Tiq_Etiqa_LogoLockUp-02-2.png)](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#tiq3plus)** [**Apply Now**](https:\/\/singsaver.link\/tiq-3-plus-critical-illness) | Full payout for all stages of cancer, Heart Attack of Specified Severity or Stroke with Permanent Neurological Deficit  Complimentary death benefit coverage of S\\$20,000 for insured and up to 4 of the insured’s youngest children  Optional Heart and Neurological Rider for greater coverage beyond severe stage heart attacks and strokes  Renewable up to age 85 | S\\$342 \\[3\\]   For a 35-year old non-smoking female with sum assured of S\\$100,000, renewable to age 85  Use the promo code MULTI60 to get up to 60% off for 1st year premium. Valid till 31 March 2026. T\\&Cs apply. |\n| **[Singlife Comprehensive Critical Illness](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#singlifemyearly) ![Singlife logo](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/Singlife%20logo_Horizontal_Red_Transparent-1.png?width=189&height=99&name=Singlife%20logo_Horizontal_Red_Transparent-1.png)** | Full payouts for all stages of diagnosis  Additional special conditions benefit that can be claimed up to 6 times  Benign and Borderline Malignant Tumour Benefit grants an additional payout upon complete surgical excision (benign) or diagnosis (borderline malignant)  Premiums don’t increase with age | S\\$1,052 \\[4\\] |\n| **[AIA Beyond Critical Care](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#aiabeyondcritical) [![aia-logo-962x1024](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/aia-logo-962x1024.png?width=118&height=104&name=aia-logo-962x1024.png)](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#aiabeyondcritical)** | 104 conditions covered (upon inclusion of riders)  100% Refund of Premium benefit refunds you a lump sum upon policy expiry  Mental well-being benefit covers 5 prominent mental illnesses | S\\$3,411 \\[5\\] |\n\n\\[1\\] For a 35-year old non-smoking female with sum assured of S\\$100,000, renewable to age 85\n\n\\[2\\] For a 35-year old non-smoking female with sum assured of S\\$100,000\n\n\\[3\\] For a 35-year old non-smoking female with sum assured of S\\$100,000 to age 75\n\n\\[4\\] For a 35-year old non-smoking female with sum assured of S\\$100,000, renewable term\n\n\\[5\\] For a 35-year old non-smoking male with sum assured of S\\$100,000 to age 85\n\n- [FWD Big 3 Critical Illness](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#fwdbig3)\n- [GREAT Critical Cover (GCC)](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#gecc)\n- [Tiq 3 Plus Critical Illness](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#tiq3plus)\n- [Singlife Comprehensive Critical Illness](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#singlifemyearly)\n- [AIA Beyond Critical Care](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#aiabeyondcritical)\n- [4 more bonus CI options](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#5moreciplan)\n***\n## **FWD Big 3 Critical Illness – Best basic critical illness plan**\n![](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/Logo-Review-FWD-Travel-Insurance.png?width=250&name=Logo-Review-FWD-Travel-Insurance.png)\n\nIf you are looking for something more extensive than cancer insurance, but don’t want to pay the costs associated with most critical illness plans, then FWD’s Big 3 Critical Illness is for you. It is a ‘basic’ plan that only covers Singapore’s [big three killers](https:\/\/www.moh.gov.sg\/resources-statistics\/singapore-health-facts\/principal-causes-of-death): cancer, heart attack, and stroke.\n\nIf you want wider coverage, you can always purchase a rider to cover an additional 24 conditions that affect your brain or heart function. The sum assured starts at S\\$50,000 and goes up to S\\$200,000. This plan also comes with an additional S\\$20,000 death benefit.\n\nThis policy is offered on a renewable basis until age 85. This means that the premium will increase year on year as you renew, but the good news is that the renewal is guaranteed without further underwriting.\n\nThat said, keep in mind that this is a basic plan. The heart attack must be of a specified severity and the stroke has to be one that leaves a permanent neurological deficit (A.K.A. brain damage) to qualify for the payout.\n\nBut if you want something that is bare bones and low cost, this is a good plan for you. On the plus side, it does offer the full payout for all stages of cancer.\n\n**FWD Big 3 Critical Illness Insurance Promotion:** Use the promo code **BIG60** to get an exclusive **60% discount** on your plan when you apply NOW! Valid till 28 February 2026. T\\&Cs apply.\n\n[**Apply Now**](https:\/\/singsaver.link\/fwd-big3-critical-illness)\n\n[Back to top](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#backtotop1)\n***\n## **GREAT Critical Cover: Complete (GCC) – Best for multi-pay coverage**\n![](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/1200px-Great_Eastern_logo.svg_-300x117.png?width=250&name=1200px-Great_Eastern_logo.svg_-300x117.png)\n\nGetting a critical illness diagnosis at a younger age is, unfortunately, getting common and can sometimes lead to a recurring 2nd or 3rd diagnosis.\n\nThanks to medical science, with treatment and care, full recovery is a great possibility. Great Eastern’s GREAT Critical Cover offers two options, one offering coverage for the top 3 critical illnesses and the other offering coverage against 53 critical illnesses.\n\nWhat's worth highlighting about this plan is the Protect Me Again rider, which offers 100% payout for up to a total of three critical illness claims. This provides peace of mind during recovery, taking a load off financial concerns.\n\nGetting your CI coverage sorted when you are young is one of the best things you can do for yourself. Not only is the premium lower, the fact that you're young and healthy makes you eligible to purchase a CI plan, whereas any change in your health as you get older could potentially make you ineligible for CI plans.\n\nIf you are looking for an affordable critical illness plan, Great Eastern’s Critical Cover would be a solid shield.\n\nTo find out more, here's [a full review](https:\/\/www.singsaver.com.sg\/blog\/why-critical-illness-insurance-is-crucial-to-your-financial-planning) of the plan.\n\n[**Apply Now**](https:\/\/singsaver.link\/GE-great-critical-cover)\n\n[Back to top](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#backtotop1)\n***\n## **Tiq 3 Plus Critical Illness – Best protection for young dependants**\n![Tiq\\_Etiqa\\_LogoLockUp-02-2](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/Tiq_Etiqa_LogoLockUp-02-2.png?width=440&height=311&name=Tiq_Etiqa_LogoLockUp-02-2.png)\n\nOne of the main concerns for a critical illness plan is whether it provides sufficient support for dependents due to the loss of income. For those with young children, Tiq 3 Plus Critical Illness would be an attractive option.\n\nThe plan covers cancer (all stages), stroke with permanent neurological deficit, and heart attack of specified severity, with the sum assured from S\\$30,000 up to S\\$300,000. On top of that, it also has a death benefit of S\\$20,000 not only for the insured person, but also for four of the insured person’s youngest children.\n\nAnother unique feature is the Special Conditions Benefit, which provides an additional 20% of the sum insured against Diabetic Complications or Severe Rheumatoid Arthritis (SRA), capped at S\\$25,000 per special condition.\n\nWhat makes this plan a good purchase is its affordability. For wider coverage, you can always top-up with a rider to cover an additional 24 conditions that affect your brain or heart functions. This policy is offered on a renewable basis until age 85 and available to apply up to age 70.\n\nA comprehensive plan that offers good coverage and support for those with young dependants.\n\n**TIQ Critical Illness Insurance Promotion:** Use the promo code **MULTI60** to get up to **60%** **off** for first 3 years premium. Valid till 28 February 2026. [T\\&Cs apply.](https:\/\/singsaver.link\/tiq-provider-rewards)\n\n[**Apply Now**](https:\/\/singsaver.link\/tiq-3-plus-critical-illness)\n***\n## **Singlife Comprehensive Critical Illness** **– Best early-stage coverage**\n![Singlife logo](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/Singlife%20logo_Horizontal_Red_Transparent-1.png?width=600&height=314&name=Singlife%20logo_Horizontal_Red_Transparent-1.png)\n\nWhen people think of ‘critical illness’ and ‘[early stage](https:\/\/www.singsaver.com.sg\/blog\/critical-illness-vs-early-critical-illness)’, the first thing that comes to mind is [cancer](https:\/\/www.singsaver.com.sg\/blog\/critical-illness-vs-cancer-insurance). But cancer is not the only critical illness that can be diagnosed early. There are many others: Parkinson’s, multiple sclerosis, and Alzheimer’s are three such examples, and they are all covered under Singlife Comprehensive Critical Illness.\n\nThis plan covers 132 conditions across various stages of critical illnesses and offers full payouts for early or intermediate-stage diagnoses.\n\nOn top of that, you can also claim an additional benefit (‘Special Benefit’) of up to S\\$25,000 for 27 special conditions – such as angioplasty, severe haemophilia – without reducing your basic sum assured amount. You can claim this special benefit up to six times, as long as each is for a different condition.\n\nThis policy offers lifetime coverage, up to age 99 (the ‘Special Benefit’ is only up to age 18\/85 depending on the medical condition). Furthermore, your premiums won’t increase with age, giving you better visibility when managing your finances.\n\nSinglife's Comprehensive Critical Illness has the edge over its predecessor by including two new benefits as well: the Intensive Care Benefit and Benign and Borderline Malignant Tumour Benefit. Both grant payouts are identical to the Special Benefit, which makes things easy to understand.\n\nFor the former benefit, a payout is made should you be admitted to the Intensive Care Unit for 4 days at least. For the latter, a payout is made either upon a complete surgical excision of a benign tumour with suspected malignancy or diagnosis of a borderline malignant tumour.\n\nStarting at approximately S\\$88 a month, this plan is competitively priced. And if you want to ensure you can get a cash infusion the moment you are diagnosed with a critical illness – regardless of the stage – this might be ideal for you.\n\n[Find out more](https:\/\/singlife.com\/en\/critical-illness-insurance\/comprehensive-critical-illness).\n\n[Back to top](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#backtotop1)\n***\n## **AIA Beyond Critical Care – A holistic critical illness plan**\n![](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/aia-logo-962x1024.png?width=250&name=aia-logo-962x1024.png)\n\nThus far, we have rated affordability as a strong factor when determining which plans should be included in this list. That makes perfect sense for most – but not for everybody. What about someone whose level of coverage is the most important factor? If that sounds like you, then you should look at AIA’s Beyond Critical Care.\n\nThis is a pricey plan no doubt, with premiums reaching S\\$300 per month should you decide to include riders such as Early Critical Cover Extra and Early Critical Protector Waiver of Premium. However, these just enhance a policy that is already well-rounded and includes benefits that many would find essential today.\n\nFirstly, policyholders age 21 years and above are granted a [health screening](https:\/\/www.singsaver.com.sg\/blog\/cost-of-health-screening-in-singapore) benefit of up to S\\$200 once every three years. This begins from the fourth policy year onwards and provides additional encouragement for you to schedule regular checkups.\n\nSecondly, the policy's pioneering [mental well-being](https:\/\/www.singsaver.com.sg\/blog\/mental-health-insurance-coverage) benefit allows you to make a maximum of five claims up to age 75. Five mental illnesses are covered by this benefit, including Obsessive Compulsive Disorder and Major Depressive Disorders. Each claim is capped at S\\$50,000 and there is a waiting period of 3 years between each one. Additionally, there is a limit of S\\$150,000 for mental health claims across all AIA policies.\n\nIf you require a critical illness plan that is an all-rounder, AIA's Beyond Critical Care is the one for you. And despite its higher premiums, do note that a 100% refund will be paid out upon policy expiry, less any claims made of course.\n\n[Find out more](https:\/\/www.aia.com.sg\/en\/our-products\/critical-illness-protection\/aia-beyond-critical-care.html).\n\n[Back to top](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#backtotop1)\n\n***\n[![EDM Lead Gen](https:\/\/blogassets.singsaver.com.sg\/wp-content\/uploads\/sites\/2\/2022\/05\/13105642\/SS_UPG_BLOGARTICLE.png)](https:\/\/www.singsaver.com.sg\/weekly-email)\n\nStart managing and saving money like a pro with **[SingSaver’s weekly financial roundups](https:\/\/www.singsaver.com.sg\/weekly-email)**! We dole out easy-to-follow money-saving tips, the latest financial trends and the hottest promotions every week, right into your inbox. This is one mailer you don’t want to miss.\n\nSign up today to receive our **exclusive free investing guide for beginners**\\!\n\n[**Subscribe To SingSaver Today**](https:\/\/www.singsaver.com.sg\/weekly-email)\n\n[**Compare Best Critical Illness Insurance Plans**](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore)\n\n## **4 more plans worth a critical look**\nSince August 2020, the [definitions of critical illnesses have been changed](https:\/\/www.singsaver.com.sg\/blog\/changes-to-critical-illness-definition) to express the coverages more clearly. While current policyholders are not impacted by this latest development, it has certainly drummed up interest by individuals who are yet to be covered by such plans.\n\nHere are five more critical illness plans for you to consider, in case you need to cast a wider net in terms of conditions or stages covered.\n\n|   |   |   |\n|---|---|---|\n| **Plan** | **Highlights** | **Annual Premium** |\n| [**TM Multicare**](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#tmmulticare) [![](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/Logo-Tokio-Marine.png?width=161&height=92&name=Logo-Tokio-Marine.png)](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#tmmulticare) | 10 Special Conditions and 10 Juvenile Conditions coverage  Maximum payout can be up to 900% of Sum Assured  Death Benefit is 10% of sum assured, unlike other plans which offer a fixed nominal payout | Not stated on the website |\n| **Singlife Multipay Critical Illness** [![Singlife Logo - Red on White - Horizontal](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/Singlife%20Logo%20-%20Red%20on%20White%20-%20Horizontal.png?width=600&height=200&name=Singlife%20Logo%20-%20Red%20on%20White%20-%20Horizontal.png)](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#singlifemymultipay) | Maximum Payout up to 900% of Sum Assured  Receive additional 20% of Sum Assured under Intensive Care Benefit   Receive additional 100% of Sum Assured upon first Severe Stage Critical Illness benefit claim under Advance Care Option Benefit | S\\$1,187 per year \\[1\\] |\n| [**Manulife's CI FlexiCare**](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#manulifecompletecare) [![](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/Manulife.jpeg?width=250&name=Manulife.jpeg)](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#manulifecompletecare) | Covers up to 126 critical illnesses including intermediate and advanced stages   Free coverage for your child  Covers 23 special CI conditions, up to S\\$25,000, up to 6 claims  Opt for the Cover Me Again Booster Rider to claim up to 4 times for another CI condition and up to 2 times for a repeated Advanced Stage CI condition | Not stated on the website |\n| [**PruActive Protect**](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#pruactiveprotect) [![](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/Prudential-logo-1024x463.png?width=250&name=Prudential-logo-1024x463.png)](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#pruactiveprotect) | Coverage up to age 100  Highly customisable, with up to 6 benefits that can be added on  Affordable premiums due to policy's modular nature | S\\$451.92 \\[2\\] |\n\n\\[1\\] For a 35-year old non-smoking male with sum assured of S\\$100,000 and policy term of 30 years  \n\\[2\\] For a 24-year old non-smoking female with sum assured of S\\$100,000 and policy term of up to age 85\n***\n- [TM Multicare](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#tmmulticare)\n- [Singlife’s Multipay Critical Illness](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#singlifemymultipay)\n- [Manulife’s Ready CompleteCare](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#manulifecompletecare)\n- [PRUActiveProtect](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#pruactiveprotect)\n***\n## **TM Multicare: Highest early stage critical illness payout**\n![](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/Logo-Tokio-Marine.png?width=250&name=Logo-Tokio-Marine.png)\n\nOftentimes, the earlier a disease is diagnosed, the higher the chances of it being cured or successfully managed. With this lump sum payout, you have more options open if you are diagnosed with an early stage illness, such as seeking alternative medical treatments or deciding to take time off work to focus on recovery.\n\nTM Multicare also offers decent coverage for intermediate and advanced stages of CI. Covering 109 different stages of CIs, there are multiple payouts for early, intermediate and advanced stage critical illnesses, with a total payout of up to 900% of the sum assured. It also boasts additional coverage for 10 special conditions and 10 juvenile conditions –– such as osteoporosis and severe hemophilia –– with up to 20% coverage (capped at S\\$25,000).\n\nIt is important to note that the claim structure of TM Multicare can be quite complex. While a payout of 900% is possible, there are multiple restrictions, such as waiting periods between claims and limitations on the number of claims that can be made per category of CI. Additionally, the plan has grouped cancer and illness related to other major organs in the same category, which could be limiting. The protection term is also relatively inflexible, only offering coverage till ages 70, 75, or 85.\n\nThis plan is pricier than many others, including those on this list. However, it also comes out on top in terms of highest early stage CI payout, with up to two claims and no waiting period in between. This makes it an excellent choice for individuals who go for regular checkups.\n\n[Find out more](https:\/\/www.tokiomarine.com\/sg\/en\/life\/products\/personal\/protect\/critical-illness-insurance\/tm-multicare.html)\n\n[Back to top](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#backtotop2)\n***\n## **Singlife Multipay Critical Illness: Payout at any stage of critical illness**\n![Singlife Logo - Red on White - Horizontal](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/Singlife%20Logo%20-%20Red%20on%20White%20-%20Horizontal.png?width=600&height=200&name=Singlife%20Logo%20-%20Red%20on%20White%20-%20Horizontal.png)\n\nWe’ve covered multi-pay critical illness plans before, and we found another one that managed to impress us. Multi-pay plans are essentially plans that allow you to make multiple claims, therefore receiving more than one payout. If you’re looking for a long-term plan to take on the financial burden of CIs, particularly recurring ones, this might be the one for you.\n\nThis Singlife plan was designed to protect policyholders by giving them the option of making multiple claims for conditions across different stages as well as recurring critical illnesses. With 132 conditions and recurrence of 6 specified critical illnesses, including recurrent heart attack of specified severity and repeated coronary artery by-pass surgery, covered, you get up to 900% of sum assured.\n\nIn addition, you can opt for the Advance Care Option to convert your recurrent critical illness benefit to an extra 100% of sum assured. However, once you exercise this Advance Care Option, the recurrent critical illness benefit will cease.\n\nYou will also receive an additional 20% of sum assured upon a complete surgical excision of a benign tumour (suspected malignancy), or upon diagnosis of a borderline malignant tumour, with a cap of S\\$25,000 per life. This is under the Benign and Borderline Malignant Tumour Benefit. The Intensive Care Benefit also allows you to receive an additional 20% of sum insured with a cap of S\\$25,000 per life.\n\nCoverage term ranges from 10 years to a maximum age of 99 years. It also comes with a death benefit – a lump sum payout of S\\$5,000.\n\nDo note that while there are multiple benefits, there are restrictions that can trigger the ceasing of the aforementioned benefits. In addition, there is a cap on how many times claims can be made for different categories of conditions. For instance, both the tumour and intensive care benefit can only be claimed once.\n\nOverall, this plan is a decent safety net for you as it ensures that you get multiple cash infusions no matter which stage of CI you are diagnosed at.\n\n[Find out more](https:\/\/singlife.com\/en\/critical-illness-insurance\/multipay-critical-illness).\n\n[Back to top](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#backtotop2)\n***\n## **Manulife's CI FlexiCare****: Multiple claims and full premium refund**\n![](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/Manulife.jpeg?width=250&name=Manulife.jpeg)\n\nHere’s another plan that allows you to make more than one claim while staying flexible. Manulife’s CI FlexiCare covers a decent range of 126 conditions and critical illnesses for all stages up to S\\$250,000, 100% of the basic sum insured.\n\nIn addition, it also covers an extra 23 special conditions for up to six claims (bearing in mind that each condition can only be claimed once), each claim can allow up to S\\$25,000 in payout.\n\nIn the event advance stage critical illness occurs to your child, an additional amount of S\\$10,000 will be paid out. This does not reduce your total sum assured.\n\nThe plan also allows you to choose from 4 coverage terms — to age 65, 75, 85 and 99.\n\nBecause of the nature of this plan, the claim structure may be a little tricky to understand. This plan separates its coverage into the basic core coverage and a ‘Cover Me Again’ coverage, which allows you to restart your coverage after you have made a claim.\n\nBasically, under this option, after receiving payout(s), your coverage continues for up to 4 times for other critical illnesses and up to 2 times for repeated advanced stage CI condition (for top 6 recurring conditions).\n\nCoverage will be restarted to 100% of basic sum insured after 12 claim-free months from the last critical illness claim. This is subject to a maximum payout of 500% of basic sum insured. Under the ‘Cover Me Again’ option, you also receive 200% of sum insured for six major advanced stage critical illnesses, and 100% of sum insured (capped at 200%) for subsequent advanced stage major cancer conditions, courtesy of the recurring cancer benefit.\n\nManulife’s monthly premiums are pretty competitive too. If you are able to get past the complex claim structure, its comprehensive coverage and flexible add-ons like could just make it the right plan for you.\n\n[Find out more](https:\/\/www.manulife.com.sg\/en\/solutions\/health\/critical-illness\/ready-complete-care.html).\n\n[Back to top](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#backtotop2)\n***\n## **PRUActive Protect: Highly customisable to suit your needs**\n![](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/Prudential-logo-1024x463.png?width=250&name=Prudential-logo-1024x463.png)\n\nInsurance coverage, like our lives, should never be static. Your needs evolve at every life stage and your coverage should increase and decrease alongside your number of dependents.\n\nPrudential recognises this, and its PRUActive Protect critical illness plan is highly customisable to ensure that coverage is always sufficient.\n\nAlthough the base plan only covers 37 critical illnesses such as Alzheimer's Disease and end-stage liver failure, remember that you're given the option to boost coverage throughout your policy's term. Supplementary benefits that can be tacked on include Early Protect (grants coverage against early-stage critical illnesses) and Life Protect Plus (additional lump sum payout upon death for up to 100% of your basic critical illness coverage).\n\nThe policy term itself is customisable as well, ranging from 10 to 99 years. And if you're a parent and purchase this policy alongside your spouse, you'll be glad to know that you children receive a complimentary Child Cover Benefit. This protects them against 36 critical illnesses and 9 juvenile conditions.\n\n[Find out more](https:\/\/www.prudential.com.sg\/products\/health-insurance\/critical-illness\/pruactive-protect).\n\n[Back to top](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#backtotop2)\n***\n## **An ounce of prevention is worth a pound of cure**\nSimilarly, a dollar of protection could be worth a hundred in costs. Don’t underestimate the havoc a critical illness can wreak on your finances – even if all your medical costs are covered.\n\nOpportunity costs from potentially lost income must be factored in as well, making critical illness insurance a wise choice, especially given the S\\$256,000 critical illness protection gap.\n\n[**Compare Best Critical Illness Insurance Plans**](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore)\n***\n*Protected up to specified limits by SDIC*.\n\n*Note: This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future healthcare needs.*\n\n*If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.*\n\n***\n[![EDM Lead Gen](https:\/\/blogassets.singsaver.com.sg\/wp-content\/uploads\/sites\/2\/2022\/05\/13105642\/SS_UPG_BLOGARTICLE.png)](https:\/\/www.singsaver.com.sg\/weekly-email)\n\nStart managing and saving money like a pro with **[SingSaver’s weekly financial roundups](https:\/\/www.singsaver.com.sg\/weekly-email)**! We dole out easy-to-follow money-saving tips, the latest financial trends and the hottest promotions every week, right into your inbox. This is one mailer you don’t want to miss.\n\nSign up today to receive our **exclusive free investing guide for beginners**\\!\n\n[**Subscribe To SingSaver Today**](https:\/\/www.singsaver.com.sg\/weekly-email)\n***\n**Read these next:** [Critical Illness vs Cancer Insurance Plans: A Critical Comparison](https:\/\/www.singsaver.com.sg\/blog\/critical-illness-vs-cancer-insurance)  \n[Critical Illness Plans vs Early Critical Illness Plans: Which Should You Get](https:\/\/www.singsaver.com.sg\/blog\/critical-illness-vs-early-critical-illness)  \n[Changes to Definition of ‘Critical Illness’ in Life Insurance Policies](https:\/\/www.singsaver.com.sg\/blog\/changes-to-critical-illness-definition)  \n[5 Best Cancer Insurance Plans In Singapore](https:\/\/www.singsaver.com.sg\/blog\/best-cancer-insurance-plans-singapore)[5 Critical Things You Need to Know About Cancer Insurance](https:\/\/www.singsaver.com.sg\/blog\/critical-things-about-cancer-insurance)  \n[Singapore Budget 2023 Preview: What To Look Out For](https:\/\/www.singsaver.com.sg\/blog\/singapore-budget-2023)\n\nSimilar articles   \n [FWD Flex Insurance Review (2024): Low-cost Coverage for Top 3 Critical Illnesses for Singaporeans](https:\/\/www.singsaver.com.sg\/blog\/fwd-flex-insurance-review)   \n [Changes to Definition of ‘Critical Illness’ in Life Insurance Policies](https:\/\/www.singsaver.com.sg\/blog\/changes-to-critical-illness-definition)   \n [Critical Illness vs Cancer Insurance Plans: A Critical Comparison](https:\/\/www.singsaver.com.sg\/blog\/critical-illness-vs-cancer-insurance)   \n [How Much Should You Spend on Insurance in Singapore?](https:\/\/www.singsaver.com.sg\/blog\/how-much-to-spend-on-insurance-in-singapore)   \n [Starr’s Critical Illness Advantage Global Connect Review (2022): Access to Worldwide Treatment](https:\/\/www.singsaver.com.sg\/blog\/starrs-critical-illness-advantage-global-connect-review-2022-access-to-worldwide-treatment)   \n [Critical Illness Plans vs Early Critical Illness Plans: Which Should You Get](https:\/\/www.singsaver.com.sg\/blog\/critical-illness-vs-early-critical-illness)   \n [Everything You Need To Know About Breast Cancer: Screening, Treatment Costs & Insurance](https:\/\/www.singsaver.com.sg\/blog\/guide-to-breast-cancer-insurance)   \n [Why A Multi-Pay Critical Illness Plan Is Good To Have When You’re Young And Healthy](https:\/\/www.singsaver.com.sg\/blog\/great-eastern-great-critical-cover-critical-illness-insurance-plan)\n\nTags\n\n[Great Eastern](https:\/\/www.singsaver.com.sg\/blog\/tag\/great-eastern) [AXA](https:\/\/www.singsaver.com.sg\/blog\/tag\/axa) [critical illness insurance](https:\/\/www.singsaver.com.sg\/blog\/tag\/critical-illness-insurance) [Protect Yourself](https:\/\/www.singsaver.com.sg\/blog\/tag\/protect-yourself) [AIA](https:\/\/www.singsaver.com.sg\/blog\/tag\/aia) [Best For](https:\/\/www.singsaver.com.sg\/blog\/tag\/best-for) [FWD](https:\/\/www.singsaver.com.sg\/blog\/tag\/fwd) [Singlife](https:\/\/www.singsaver.com.sg\/blog\/tag\/singlife) [Critical Illness](https:\/\/www.singsaver.com.sg\/blog\/tag\/critical-illness) [Great Critical Cover](https:\/\/www.singsaver.com.sg\/blog\/tag\/great-critical-cover)\n\n![SingSaver team](https:\/\/www.singsaver.com.sg\/hubfs\/SingSaver_logo.jpg)\n\n### [SingSaver team](https:\/\/www.singsaver.com.sg\/blog\/author\/singsaver-team)\n\nAt SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you.\n\n[![](https:\/\/www.singsaver.com.sg\/hubfs\/Website%202022%20image\/dark_left.svg) Back to Blog](https:\/\/www.singsaver.com.sg\/blog)\n\n### Related Articles\n[![Why a multi-pay CI plan is good to have when you’re young and healthy](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/GE%20fixed%20fee%20multi%20pay%20insurance.png?width=280&name=GE%20fixed%20fee%20multi%20pay%20insurance.png)](https:\/\/www.singsaver.com.sg\/blog\/great-eastern-great-critical-cover-critical-illness-insurance-plan)\n\n[Critical Illness](https:\/\/www.singsaver.com.sg\/blog\/category\/protect-yourself\/critical-illness)\n\n#### [Why a multi-pay CI plan is good to have when you’re young and healthy](https:\/\/www.singsaver.com.sg\/blog\/great-eastern-great-critical-cover-critical-illness-insurance-plan)\nNovember 14, 2022\n\n[![Starr’s Critical Illness Advantage Global Connect Review (2022): Access to Worldwide Treatment](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/Starr%E2%80%99s%20Critical%20Illness%20Advantage%20Global%20Connect%20Review%20\$2022\$%20Access%20to%20Worldwide%20Treatment.png?width=280&name=Starr%E2%80%99s%20Critical%20Illness%20Advantage%20Global%20Connect%20Review%20\$2022\$%20Access%20to%20Worldwide%20Treatment.png)](https:\/\/www.singsaver.com.sg\/blog\/starrs-critical-illness-advantage-global-connect-review-2022-access-to-worldwide-treatment)\n\n[Critical Illness](https:\/\/www.singsaver.com.sg\/blog\/category\/protect-yourself\/critical-illness)\n\n#### [Starr’s Critical Illness Advantage Global Connect Review (2022): Access to Worldwide Treatment](https:\/\/www.singsaver.com.sg\/blog\/starrs-critical-illness-advantage-global-connect-review-2022-access-to-worldwide-treatment)\nSeptember 8, 2022\n\n[![Mental Health Insurance: What Insurers Are Doing To Help Heal When You Need It Most](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/Hero-Image-Template-207.png?width=280&name=Hero-Image-Template-207.png)](https:\/\/www.singsaver.com.sg\/blog\/mental-health-insurance-coverage)\n\n[Critical Illness](https:\/\/www.singsaver.com.sg\/blog\/category\/protect-yourself\/critical-illness)\n\n#### [Mental Health Insurance: What Insurers Are Doing To Help Heal When You Need It Most](https:\/\/www.singsaver.com.sg\/blog\/mental-health-insurance-coverage)\nApril 29, 2022\n\n### FINANCIAL TIP:\n#### Use a personal loan to consolidate your outstanding debt at a lower interest rate\\!\n#### Sign up for our newsletter for financial tips, tricks and exclusive information that can be personalised to your preferences\\!\n\n![image-general-logo-dark@3x](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/image-general-logo-dark@3x.png?width=256&height=66&name=image-general-logo-dark@3x.png)\n\n#### Credit Cards\n- [All Credit 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All rights reserved. This online platform is operated by SingSaver Pte. Ltd. and by continuing to use www.singsaver.com.sg (the “SingSaver Website”) or by carrying out a transaction on the SingSaver Website, users are deemed to have agreed with the [Terms and Conditions](https:\/\/www.singsaver.com.sg\/page\/singsaver-terms) and [Privacy Policy](https:\/\/www.singsaver.com.sg\/page\/singsaver-privacy-policy) of the SingSaver Website. All insurance product-related transactions on the SingSaver Website are arranged and administered by SingSaver Insurance Brokers Pte. Ltd., a wholly owned subsidiary of SingSaver Pte. Ltd. SingSaver Insurance Brokers Pte. Ltd. is a licensed and authorised broker regulated by the Monetary Authority of Singapore (“MAS”). SingSaver Pte. Ltd. (which administers all other financial products on the SingSaver Website) is not regulated by MAS. SingSaver is located at Eon Shenton, 70 Shenton Way, 18-08, Singapore, 079118.\n\n![](https:\/\/www.facebook.com\/tr?id=2004443176453276&ev=PageView&noscript=1)","attrs_readable_markdown":"When you want protection that goes beyond just covering your medical costs, critical illness insurance is the logical choice. But with so many options out there, which ones are best for you? We investigate in this article. Best Critical Illness Insurance Plans in Singapore on SingSaver [FWD Big 3 Critical Illness](https:\/\/singsaver.link\/fwd-big3-critical-illness) \\| [GREAT Critical Cover](https:\/\/singsaver.link\/GE-great-critical-cover) \\| [Tiq 3 Plus Critical Illness](https:\/\/singsaver.link\/tiq-3-plus-critical-illness) In a nutshell, critical illness insurance is insurance that gives you a lump sum pay-out upon diagnosis of specific critical illnesses. It can be considered as a supplement to health insurance, which covers your medical costs but cannot compensate you for any loss of income. For instance, if you are forced to take time off work or have additional expenses (i.e transport costs to the hospital, health supplements, mental wellness sessions, etc) incurred. That’s where critical illness insurance comes in. Although it is a ‘supplement’, it is a very important one. A Straits Times article based on a LIA survey found that the average Singaporean has a critical illness insurance gap of S\\$256,000. That number is essentially the estimated ‘lost earnings’ from having to take time off work to recover from an illness. In short, if you are worried about potentially losing income or savings from contracting a major illness, critical illness insurance should be part of your insurance portfolio. We’ve picked out five plans, with each one being the winner in their respective categories. (Note: We will not be including [cancer insurance](https:\/\/www.singsaver.com.sg\/blog\/critical-things-about-cancer-insurance) plans here. These are ‘critical illness-lite’, having the same structure as a critical illness plan, but only covering cancer. If you’re looking for the top cancer insurance picks, [check out this article instead](https:\/\/www.singsaver.com.sg\/blog\/best-cancer-insurance-plans-singapore).)       **Critical Illness Insurance Plan** **Highlights** **Annual Premium \/ Promotion** **[FWD Big 3 Critical Illness](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#fwdbig3) [![](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/Logo-Review-FWD-Travel-Insurance.png?width=150&height=66&name=Logo-Review-FWD-Travel-Insurance.png)](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#fwdbig3)** [**Apply Now**](https:\/\/singsaver.link\/fwd-big3-critical-illness) Additional S\\$20,000 death benefitFull payout for all stages of cancer, Heart Attack of Specified Severity or Stroke with Permanent Neurological Deficit From S\\$296.20 \\[1\\]Use promo code **BIG60** to get **60%** discount. Valid till 28 February 2026. T\\&Cs apply. **[GREAT Critical Cover (GCC)](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#gecc) ![](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/1200px-Great_Eastern_logo.svg_-300x117.png?width=250&name=1200px-Great_Eastern_logo.svg_-300x117.png)** [**Apply Now**](https:\/\/singsaver.link\/GE-great-critical-cover) Full payout for all stages of cancer and 53 critical illnesses Protect Me Again rider to receive additional coverage of 100% lump sum payout for up to three critical illness claims Flexibility in protection against 53 critical illnesses or the top 3 critical illness conditions - cancer, heart attack or stroke. Two plans are available: GREAT Critical Cover: Top 3 CIs and GREAT Critical Cover: Complete S\\$646.2 (up to 65), \\$1173.60 (up to 85) \\[2\\] 10% off perpetual discount on GCC premiums **[Tiq 3 Plus Critical Illness](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#tiq3plus) [![Tiq\\_Etiqa\\_LogoLockUp-02-2](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/Tiq_Etiqa_LogoLockUp-02-2.png?width=1271&height=899&name=Tiq_Etiqa_LogoLockUp-02-2.png)](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#tiq3plus)** [**Apply Now**](https:\/\/singsaver.link\/tiq-3-plus-critical-illness) Full payout for all stages of cancer, Heart Attack of Specified Severity or Stroke with Permanent Neurological Deficit Complimentary death benefit coverage of S\\$20,000 for insured and up to 4 of the insured’s youngest children Optional Heart and Neurological Rider for greater coverage beyond severe stage heart attacks and strokes Renewable up to age 85 S\\$342 \\[3\\] For a 35-year old non-smoking female with sum assured of S\\$100,000, renewable to age 85Use the promo code MULTI60 to get up to 60% off for 1st year premium. Valid till 31 March 2026. T\\&Cs apply. **[Singlife Comprehensive Critical Illness](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#singlifemyearly) ![Singlife logo](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/Singlife%20logo_Horizontal_Red_Transparent-1.png?width=189&height=99&name=Singlife%20logo_Horizontal_Red_Transparent-1.png)** Full payouts for all stages of diagnosisAdditional special conditions benefit that can be claimed up to 6 timesBenign and Borderline Malignant Tumour Benefit grants an additional payout upon complete surgical excision (benign) or diagnosis (borderline malignant)Premiums don’t increase with age S\\$1,052 \\[4\\] **[AIA Beyond Critical Care](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#aiabeyondcritical) [![aia-logo-962x1024](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/aia-logo-962x1024.png?width=118&height=104&name=aia-logo-962x1024.png)](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#aiabeyondcritical)** 104 conditions covered (upon inclusion of riders)100% Refund of Premium benefit refunds you a lump sum upon policy expiryMental well-being benefit covers 5 prominent mental illnesses S\\$3,411 \\[5\\] \\[1\\] For a 35-year old non-smoking female with sum assured of S\\$100,000, renewable to age 85 \\[2\\] For a 35-year old non-smoking female with sum assured of S\\$100,000 \\[3\\] For a 35-year old non-smoking female with sum assured of S\\$100,000 to age 75 \\[4\\] For a 35-year old non-smoking female with sum assured of S\\$100,000, renewable term \\[5\\] For a 35-year old non-smoking male with sum assured of S\\$100,000 to age 85 [FWD Big 3 Critical Illness](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#fwdbig3) [GREAT Critical Cover (GCC)](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#gecc) [Tiq 3 Plus Critical Illness](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#tiq3plus) [Singlife Comprehensive Critical Illness](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#singlifemyearly) [AIA Beyond Critical Care](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#aiabeyondcritical) [4 more bonus CI options](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#5moreciplan) **FWD Big 3 Critical Illness – Best basic critical illness plan** ![](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/Logo-Review-FWD-Travel-Insurance.png?width=250&name=Logo-Review-FWD-Travel-Insurance.png) If you are looking for something more extensive than cancer insurance, but don’t want to pay the costs associated with most critical illness plans, then FWD’s Big 3 Critical Illness is for you. It is a ‘basic’ plan that only covers Singapore’s [big three killers](https:\/\/www.moh.gov.sg\/resources-statistics\/singapore-health-facts\/principal-causes-of-death): cancer, heart attack, and stroke. If you want wider coverage, you can always purchase a rider to cover an additional 24 conditions that affect your brain or heart function. The sum assured starts at S\\$50,000 and goes up to S\\$200,000. This plan also comes with an additional S\\$20,000 death benefit. This policy is offered on a renewable basis until age 85. This means that the premium will increase year on year as you renew, but the good news is that the renewal is guaranteed without further underwriting. That said, keep in mind that this is a basic plan. The heart attack must be of a specified severity and the stroke has to be one that leaves a permanent neurological deficit (A.K.A. brain damage) to qualify for the payout. But if you want something that is bare bones and low cost, this is a good plan for you. On the plus side, it does offer the full payout for all stages of cancer. [Back to top](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#backtotop1) **GREAT Critical Cover: Complete (GCC) – Best for multi-pay coverage** ![](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/1200px-Great_Eastern_logo.svg_-300x117.png?width=250&name=1200px-Great_Eastern_logo.svg_-300x117.png) Getting a critical illness diagnosis at a younger age is, unfortunately, getting common and can sometimes lead to a recurring 2nd or 3rd diagnosis. Thanks to medical science, with treatment and care, full recovery is a great possibility. Great Eastern’s GREAT Critical Cover offers two options, one offering coverage for the top 3 critical illnesses and the other offering coverage against 53 critical illnesses. What's worth highlighting about this plan is the Protect Me Again rider, which offers 100% payout for up to a total of three critical illness claims. This provides peace of mind during recovery, taking a load off financial concerns. Getting your CI coverage sorted when you are young is one of the best things you can do for yourself. Not only is the premium lower, the fact that you're young and healthy makes you eligible to purchase a CI plan, whereas any change in your health as you get older could potentially make you ineligible for CI plans. If you are looking for an affordable critical illness plan, Great Eastern’s Critical Cover would be a solid shield. To find out more, here's [a full review](https:\/\/www.singsaver.com.sg\/blog\/why-critical-illness-insurance-is-crucial-to-your-financial-planning) of the plan. [Back to top](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#backtotop1) **Tiq 3 Plus Critical Illness – Best protection for young dependants** ![Tiq\\_Etiqa\\_LogoLockUp-02-2](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/Tiq_Etiqa_LogoLockUp-02-2.png?width=440&height=311&name=Tiq_Etiqa_LogoLockUp-02-2.png) One of the main concerns for a critical illness plan is whether it provides sufficient support for dependents due to the loss of income. For those with young children, Tiq 3 Plus Critical Illness would be an attractive option. The plan covers cancer (all stages), stroke with permanent neurological deficit, and heart attack of specified severity, with the sum assured from S\\$30,000 up to S\\$300,000. On top of that, it also has a death benefit of S\\$20,000 not only for the insured person, but also for four of the insured person’s youngest children. Another unique feature is the Special Conditions Benefit, which provides an additional 20% of the sum insured against Diabetic Complications or Severe Rheumatoid Arthritis (SRA), capped at S\\$25,000 per special condition. What makes this plan a good purchase is its affordability. For wider coverage, you can always top-up with a rider to cover an additional 24 conditions that affect your brain or heart functions. This policy is offered on a renewable basis until age 85 and available to apply up to age 70. A comprehensive plan that offers good coverage and support for those with young dependants. **Singlife Comprehensive Critical Illness** **– Best early-stage coverage** ![Singlife logo](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/Singlife%20logo_Horizontal_Red_Transparent-1.png?width=600&height=314&name=Singlife%20logo_Horizontal_Red_Transparent-1.png) When people think of ‘critical illness’ and ‘[early stage](https:\/\/www.singsaver.com.sg\/blog\/critical-illness-vs-early-critical-illness)’, the first thing that comes to mind is [cancer](https:\/\/www.singsaver.com.sg\/blog\/critical-illness-vs-cancer-insurance). But cancer is not the only critical illness that can be diagnosed early. There are many others: Parkinson’s, multiple sclerosis, and Alzheimer’s are three such examples, and they are all covered under Singlife Comprehensive Critical Illness. This plan covers 132 conditions across various stages of critical illnesses and offers full payouts for early or intermediate-stage diagnoses. On top of that, you can also claim an additional benefit (‘Special Benefit’) of up to S\\$25,000 for 27 special conditions – such as angioplasty, severe haemophilia – without reducing your basic sum assured amount. You can claim this special benefit up to six times, as long as each is for a different condition. This policy offers lifetime coverage, up to age 99 (the ‘Special Benefit’ is only up to age 18\/85 depending on the medical condition). Furthermore, your premiums won’t increase with age, giving you better visibility when managing your finances. Singlife's Comprehensive Critical Illness has the edge over its predecessor by including two new benefits as well: the Intensive Care Benefit and Benign and Borderline Malignant Tumour Benefit. Both grant payouts are identical to the Special Benefit, which makes things easy to understand. For the former benefit, a payout is made should you be admitted to the Intensive Care Unit for 4 days at least. For the latter, a payout is made either upon a complete surgical excision of a benign tumour with suspected malignancy or diagnosis of a borderline malignant tumour. Starting at approximately S\\$88 a month, this plan is competitively priced. And if you want to ensure you can get a cash infusion the moment you are diagnosed with a critical illness – regardless of the stage – this might be ideal for you. [Find out more](https:\/\/singlife.com\/en\/critical-illness-insurance\/comprehensive-critical-illness). [Back to top](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#backtotop1) **AIA Beyond Critical Care – A holistic critical illness plan** ![](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/aia-logo-962x1024.png?width=250&name=aia-logo-962x1024.png) Thus far, we have rated affordability as a strong factor when determining which plans should be included in this list. That makes perfect sense for most – but not for everybody. What about someone whose level of coverage is the most important factor? If that sounds like you, then you should look at AIA’s Beyond Critical Care. This is a pricey plan no doubt, with premiums reaching S\\$300 per month should you decide to include riders such as Early Critical Cover Extra and Early Critical Protector Waiver of Premium. However, these just enhance a policy that is already well-rounded and includes benefits that many would find essential today. Firstly, policyholders age 21 years and above are granted a [health screening](https:\/\/www.singsaver.com.sg\/blog\/cost-of-health-screening-in-singapore) benefit of up to S\\$200 once every three years. This begins from the fourth policy year onwards and provides additional encouragement for you to schedule regular checkups. Secondly, the policy's pioneering [mental well-being](https:\/\/www.singsaver.com.sg\/blog\/mental-health-insurance-coverage) benefit allows you to make a maximum of five claims up to age 75. Five mental illnesses are covered by this benefit, including Obsessive Compulsive Disorder and Major Depressive Disorders. Each claim is capped at S\\$50,000 and there is a waiting period of 3 years between each one. Additionally, there is a limit of S\\$150,000 for mental health claims across all AIA policies. If you require a critical illness plan that is an all-rounder, AIA's Beyond Critical Care is the one for you. And despite its higher premiums, do note that a 100% refund will be paid out upon policy expiry, less any claims made of course. [Find out more](https:\/\/www.aia.com.sg\/en\/our-products\/critical-illness-protection\/aia-beyond-critical-care.html). [Back to top](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#backtotop1) **4 more plans worth a critical look** Since August 2020, the [definitions of critical illnesses have been changed](https:\/\/www.singsaver.com.sg\/blog\/changes-to-critical-illness-definition) to express the coverages more clearly. While current policyholders are not impacted by this latest development, it has certainly drummed up interest by individuals who are yet to be covered by such plans. Here are five more critical illness plans for you to consider, in case you need to cast a wider net in terms of conditions or stages covered.       **Plan** **Highlights** **Annual Premium** [**TM Multicare**](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#tmmulticare) [![](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/Logo-Tokio-Marine.png?width=161&height=92&name=Logo-Tokio-Marine.png)](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#tmmulticare) 10 Special Conditions and 10 Juvenile Conditions coverageMaximum payout can be up to 900% of Sum AssuredDeath Benefit is 10% of sum assured, unlike other plans which offer a fixed nominal payout Not stated on the website **Singlife Multipay Critical Illness** [![Singlife Logo - Red on White - Horizontal](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/Singlife%20Logo%20-%20Red%20on%20White%20-%20Horizontal.png?width=600&height=200&name=Singlife%20Logo%20-%20Red%20on%20White%20-%20Horizontal.png)](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#singlifemymultipay) Maximum Payout up to 900% of Sum AssuredReceive additional 20% of Sum Assured under Intensive Care BenefitReceive additional 100% of Sum Assured upon first Severe Stage Critical Illness benefit claim under Advance Care Option Benefit S\\$1,187 per year \\[1\\] [**Manulife's CI FlexiCare**](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#manulifecompletecare) [![](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/Manulife.jpeg?width=250&name=Manulife.jpeg)](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#manulifecompletecare) Covers up to 126 critical illnesses including intermediate and advanced stages Free coverage for your childCovers 23 special CI conditions, up to S\\$25,000, up to 6 claimsOpt for the Cover Me Again Booster Rider to claim up to 4 times for another CI condition and up to 2 times for a repeated Advanced Stage CI condition Not stated on the website [**PruActive Protect**](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#pruactiveprotect) [![](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/Prudential-logo-1024x463.png?width=250&name=Prudential-logo-1024x463.png)](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#pruactiveprotect) Coverage up to age 100Highly customisable, with up to 6 benefits that can be added onAffordable premiums due to policy's modular nature S\\$451.92 \\[2\\] \\[1\\] For a 35-year old non-smoking male with sum assured of S\\$100,000 and policy term of 30 years  \n\\[2\\] For a 24-year old non-smoking female with sum assured of S\\$100,000 and policy term of up to age 85 [TM Multicare](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#tmmulticare) [Singlife’s Multipay Critical Illness](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#singlifemymultipay) [Manulife’s Ready CompleteCare](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#manulifecompletecare) [PRUActiveProtect](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#pruactiveprotect) **TM Multicare: Highest early stage critical illness payout** ![](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/Logo-Tokio-Marine.png?width=250&name=Logo-Tokio-Marine.png) Oftentimes, the earlier a disease is diagnosed, the higher the chances of it being cured or successfully managed. With this lump sum payout, you have more options open if you are diagnosed with an early stage illness, such as seeking alternative medical treatments or deciding to take time off work to focus on recovery. TM Multicare also offers decent coverage for intermediate and advanced stages of CI. Covering 109 different stages of CIs, there are multiple payouts for early, intermediate and advanced stage critical illnesses, with a total payout of up to 900% of the sum assured. It also boasts additional coverage for 10 special conditions and 10 juvenile conditions –– such as osteoporosis and severe hemophilia –– with up to 20% coverage (capped at S\\$25,000). It is important to note that the claim structure of TM Multicare can be quite complex. While a payout of 900% is possible, there are multiple restrictions, such as waiting periods between claims and limitations on the number of claims that can be made per category of CI. Additionally, the plan has grouped cancer and illness related to other major organs in the same category, which could be limiting. The protection term is also relatively inflexible, only offering coverage till ages 70, 75, or 85. This plan is pricier than many others, including those on this list. However, it also comes out on top in terms of highest early stage CI payout, with up to two claims and no waiting period in between. This makes it an excellent choice for individuals who go for regular checkups. [Find out more](https:\/\/www.tokiomarine.com\/sg\/en\/life\/products\/personal\/protect\/critical-illness-insurance\/tm-multicare.html) [Back to top](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#backtotop2) **Singlife Multipay Critical Illness: Payout at any stage of critical illness** ![Singlife Logo - Red on White - Horizontal](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/Singlife%20Logo%20-%20Red%20on%20White%20-%20Horizontal.png?width=600&height=200&name=Singlife%20Logo%20-%20Red%20on%20White%20-%20Horizontal.png) We’ve covered multi-pay critical illness plans before, and we found another one that managed to impress us. Multi-pay plans are essentially plans that allow you to make multiple claims, therefore receiving more than one payout. If you’re looking for a long-term plan to take on the financial burden of CIs, particularly recurring ones, this might be the one for you. This Singlife plan was designed to protect policyholders by giving them the option of making multiple claims for conditions across different stages as well as recurring critical illnesses. With 132 conditions and recurrence of 6 specified critical illnesses, including recurrent heart attack of specified severity and repeated coronary artery by-pass surgery, covered, you get up to 900% of sum assured. In addition, you can opt for the Advance Care Option to convert your recurrent critical illness benefit to an extra 100% of sum assured. However, once you exercise this Advance Care Option, the recurrent critical illness benefit will cease. You will also receive an additional 20% of sum assured upon a complete surgical excision of a benign tumour (suspected malignancy), or upon diagnosis of a borderline malignant tumour, with a cap of S\\$25,000 per life. This is under the Benign and Borderline Malignant Tumour Benefit. The Intensive Care Benefit also allows you to receive an additional 20% of sum insured with a cap of S\\$25,000 per life. Coverage term ranges from 10 years to a maximum age of 99 years. It also comes with a death benefit – a lump sum payout of S\\$5,000. Do note that while there are multiple benefits, there are restrictions that can trigger the ceasing of the aforementioned benefits. In addition, there is a cap on how many times claims can be made for different categories of conditions. For instance, both the tumour and intensive care benefit can only be claimed once. Overall, this plan is a decent safety net for you as it ensures that you get multiple cash infusions no matter which stage of CI you are diagnosed at. [Find out more](https:\/\/singlife.com\/en\/critical-illness-insurance\/multipay-critical-illness). [Back to top](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#backtotop2) **Manulife's CI FlexiCare****: Multiple claims and full premium refund** ![](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/Manulife.jpeg?width=250&name=Manulife.jpeg) Here’s another plan that allows you to make more than one claim while staying flexible. Manulife’s CI FlexiCare covers a decent range of 126 conditions and critical illnesses for all stages up to S\\$250,000, 100% of the basic sum insured. In addition, it also covers an extra 23 special conditions for up to six claims (bearing in mind that each condition can only be claimed once), each claim can allow up to S\\$25,000 in payout. In the event advance stage critical illness occurs to your child, an additional amount of S\\$10,000 will be paid out. This does not reduce your total sum assured. The plan also allows you to choose from 4 coverage terms — to age 65, 75, 85 and 99. Because of the nature of this plan, the claim structure may be a little tricky to understand. This plan separates its coverage into the basic core coverage and a ‘Cover Me Again’ coverage, which allows you to restart your coverage after you have made a claim. Basically, under this option, after receiving payout(s), your coverage continues for up to 4 times for other critical illnesses and up to 2 times for repeated advanced stage CI condition (for top 6 recurring conditions). Coverage will be restarted to 100% of basic sum insured after 12 claim-free months from the last critical illness claim. This is subject to a maximum payout of 500% of basic sum insured. Under the ‘Cover Me Again’ option, you also receive 200% of sum insured for six major advanced stage critical illnesses, and 100% of sum insured (capped at 200%) for subsequent advanced stage major cancer conditions, courtesy of the recurring cancer benefit. Manulife’s monthly premiums are pretty competitive too. If you are able to get past the complex claim structure, its comprehensive coverage and flexible add-ons like could just make it the right plan for you. [Find out more](https:\/\/www.manulife.com.sg\/en\/solutions\/health\/critical-illness\/ready-complete-care.html). [Back to top](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#backtotop2) **PRUActive Protect: Highly customisable to suit your needs** ![](https:\/\/www.singsaver.com.sg\/hs-fs\/hubfs\/assets_singsaver\/Prudential-logo-1024x463.png?width=250&name=Prudential-logo-1024x463.png) Insurance coverage, like our lives, should never be static. Your needs evolve at every life stage and your coverage should increase and decrease alongside your number of dependents. Prudential recognises this, and its PRUActive Protect critical illness plan is highly customisable to ensure that coverage is always sufficient. Although the base plan only covers 37 critical illnesses such as Alzheimer's Disease and end-stage liver failure, remember that you're given the option to boost coverage throughout your policy's term. Supplementary benefits that can be tacked on include Early Protect (grants coverage against early-stage critical illnesses) and Life Protect Plus (additional lump sum payout upon death for up to 100% of your basic critical illness coverage). The policy term itself is customisable as well, ranging from 10 to 99 years. And if you're a parent and purchase this policy alongside your spouse, you'll be glad to know that you children receive a complimentary Child Cover Benefit. This protects them against 36 critical illnesses and 9 juvenile conditions. [Find out more](https:\/\/www.prudential.com.sg\/products\/health-insurance\/critical-illness\/pruactive-protect). [Back to top](https:\/\/www.singsaver.com.sg\/blog\/best-critical-illness-insurance-singapore#backtotop2) **An ounce of prevention is worth a pound of cure** Similarly, a dollar of protection could be worth a hundred in costs. Don’t underestimate the havoc a critical illness can wreak on your finances – even if all your medical costs are covered. Opportunity costs from potentially lost income must be factored in as well, making critical illness insurance a wise choice, especially given the S\\$256,000 critical illness protection gap. *Protected up to specified limits by SDIC*. *Note: This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future healthcare needs.* *If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.* **Read these next:** [Critical Illness vs Cancer Insurance Plans: A Critical Comparison](https:\/\/www.singsaver.com.sg\/blog\/critical-illness-vs-cancer-insurance)  \n[Critical Illness Plans vs Early Critical Illness Plans: Which Should You Get](https:\/\/www.singsaver.com.sg\/blog\/critical-illness-vs-early-critical-illness)  \n[Changes to Definition of ‘Critical Illness’ in Life Insurance Policies](https:\/\/www.singsaver.com.sg\/blog\/changes-to-critical-illness-definition)  \n[5 Best Cancer Insurance Plans In Singapore](https:\/\/www.singsaver.com.sg\/blog\/best-cancer-insurance-plans-singapore)[5 Critical Things You Need to Know About Cancer Insurance](https:\/\/www.singsaver.com.sg\/blog\/critical-things-about-cancer-insurance)  \n[Singapore Budget 2023 Preview: What To Look Out For](https:\/\/www.singsaver.com.sg\/blog\/singapore-budget-2023)","meta_canonical":null}

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Boilerpipe Text	When you want protection that goes beyond just covering your medical costs, critical illness insurance is the logical choice. But with so many options out there, which ones are best for you? We investigate in this article. Best Critical Illness Insurance Plans in Singapore on SingSaver FWD Big 3 Critical Illness \| GREAT Critical Cover \| Tiq 3 Plus Critical Illness In a nutshell, critical illness insurance is insurance that gives you a lump sum pay-out upon diagnosis of specific critical illnesses. It can be considered as a supplement to health insurance, which covers your medical costs but cannot compensate you for any loss of income. For instance, if you are forced to take time off work or have additional expenses (i.e transport costs to the hospital, health supplements, mental wellness sessions, etc) incurred. That’s where critical illness insurance comes in. Although it is a ‘supplement’, it is a very important one. A Straits Times article based on a LIA survey found that the average Singaporean has a critical illness insurance gap of S$256,000 . That number is essentially the estimated ‘lost earnings’ from having to take time off work to recover from an illness. In short, if you are worried about potentially losing income or savings from contracting a major illness, critical illness insurance should be part of your insurance portfolio. We’ve picked out five plans, with each one being the winner in their respective categories. (Note: We will not be including cancer insurance plans here. These are ‘critical illness-lite’, having the same structure as a critical illness plan, but only covering cancer. If you’re looking for the top cancer insurance picks, check out this article instead .) Critical Illness Insurance Plan Highlights Annual Premium / Promotion FWD Big 3 Critical Illness Apply Now Additional S$20,000 death benefit Full payout for all stages of cancer, Heart Attack of Specified Severity or Stroke with Permanent Neurological Deficit From S$296.20 [1] Use promo code BIG60 to get 60% discount. Valid till 28 February 2026. T&Cs apply. GREAT Critical Cover (GCC) Apply Now Full payout for all stages of cancer and 53 critical illnesses Protect Me Again rider to receive additional coverage of 100% lump sum payout for up to three critical illness claims Flexibility in protection against 53 critical illnesses or the top 3 critical illness conditions - cancer, heart attack or stroke. Two plans are available: GREAT Critical Cover: Top 3 CIs and GREAT Critical Cover: Complete S$646.2 (up to 65), $1173.60 (up to 85) [2] 10% off perpetual discount on GCC premiums Tiq 3 Plus Critical Illness Apply Now Full payout for all stages of cancer, Heart Attack of Specified Severity or Stroke with Permanent Neurological Deficit Complimentary death benefit coverage of S$20,000 for insured and up to 4 of the insured’s youngest children Optional Heart and Neurological Rider for greater coverage beyond severe stage heart attacks and strokes Renewable up to age 85 S$342 [3] For a 35-year old non-smoking female with sum assured of S$100,000, renewable to age 85 Use the promo code MULTI60 to get up to 60% off for 1st year premium. Valid till 31 March 2026. T&Cs apply. Singlife Comprehensive Critical Illness Full payouts for all stages of diagnosis Additional special conditions benefit that can be claimed up to 6 times Benign and Borderline Malignant Tumour Benefit grants an additional payout upon complete surgical excision (benign) or diagnosis (borderline malignant) Premiums don’t increase with age S$1,052 [4] AIA Beyond Critical Care 104 conditions covered (upon inclusion of riders) 100% Refund of Premium benefit refunds you a lump sum upon policy expiry Mental well-being benefit covers 5 prominent mental illnesses S$3,411 [5] [1] For a 35-year old non-smoking female with sum assured of S$100,000, renewable to age 85 [2] For a 35-year old non-smoking female with sum assured of S$100,000 [3] For a 35-year old non-smoking female with sum assured of S$100,000 to age 75 [4] For a 35-year old non-smoking female with sum assured of S$100,000, renewable term [5] For a 35-year old non-smoking male with sum assured of S$100,000 to age 85 FWD Big 3 Critical Illness GREAT Critical Cover (GCC) Tiq 3 Plus Critical Illness Singlife Comprehensive Critical Illness AIA Beyond Critical Care 4 more bonus CI options FWD Big 3 Critical Illness – Best basic critical illness plan If you are looking for something more extensive than cancer insurance, but don’t want to pay the costs associated with most critical illness plans, then FWD’s Big 3 Critical Illness is for you. It is a ‘basic’ plan that only covers Singapore’s big three killers : cancer, heart attack, and stroke. If you want wider coverage, you can always purchase a rider to cover an additional 24 conditions that affect your brain or heart function. The sum assured starts at S$50,000 and goes up to S$200,000. This plan also comes with an additional S$20,000 death benefit. This policy is offered on a renewable basis until age 85. This means that the premium will increase year on year as you renew, but the good news is that the renewal is guaranteed without further underwriting. That said, keep in mind that this is a basic plan. The heart attack must be of a specified severity and the stroke has to be one that leaves a permanent neurological deficit (A.K.A. brain damage) to qualify for the payout. But if you want something that is bare bones and low cost, this is a good plan for you. On the plus side, it does offer the full payout for all stages of cancer. Back to top GREAT Critical Cover: Complete (GCC) – Best for multi-pay coverage Getting a critical illness diagnosis at a younger age is, unfortunately, getting common and can sometimes lead to a recurring 2nd or 3rd diagnosis. Thanks to medical science, with treatment and care, full recovery is a great possibility. Great Eastern’s GREAT Critical Cover offers two options, one offering coverage for the top 3 critical illnesses and the other offering coverage against 53 critical illnesses. What's worth highlighting about this plan is the Protect Me Again rider, which offers 100% payout for up to a total of three critical illness claims. This provides peace of mind during recovery, taking a load off financial concerns. Getting your CI coverage sorted when you are young is one of the best things you can do for yourself. Not only is the premium lower, the fact that you're young and healthy makes you eligible to purchase a CI plan, whereas any change in your health as you get older could potentially make you ineligible for CI plans. If you are looking for an affordable critical illness plan, Great Eastern’s Critical Cover would be a solid shield. To find out more, here's a full review of the plan. Back to top Tiq 3 Plus Critical Illness – Best protection for young dependants One of the main concerns for a critical illness plan is whether it provides sufficient support for dependents due to the loss of income. For those with young children, Tiq 3 Plus Critical Illness would be an attractive option. The plan covers cancer (all stages), stroke with permanent neurological deficit, and heart attack of specified severity, with the sum assured from S$30,000 up to S$300,000. On top of that, it also has a death benefit of S$20,000 not only for the insured person, but also for four of the insured person’s youngest children. Another unique feature is the Special Conditions Benefit, which provides an additional 20% of the sum insured against Diabetic Complications or Severe Rheumatoid Arthritis (SRA), capped at S$25,000 per special condition. What makes this plan a good purchase is its affordability. For wider coverage, you can always top-up with a rider to cover an additional 24 conditions that affect your brain or heart functions. This policy is offered on a renewable basis until age 85 and available to apply up to age 70. A comprehensive plan that offers good coverage and support for those with young dependants. Singlife Comprehensive Critical Illness – Best early-stage coverage When people think of ‘critical illness’ and ‘ early stage ’, the first thing that comes to mind is cancer . But cancer is not the only critical illness that can be diagnosed early. There are many others: Parkinson’s, multiple sclerosis, and Alzheimer’s are three such examples, and they are all covered under Singlife Comprehensive Critical Illness. This plan covers 132 conditions across various stages of critical illnesses and offers full payouts for early or intermediate-stage diagnoses. On top of that, you can also claim an additional benefit (‘Special Benefit’) of up to S$25,000 for 27 special conditions – such as angioplasty, severe haemophilia – without reducing your basic sum assured amount. You can claim this special benefit up to six times, as long as each is for a different condition. This policy offers lifetime coverage, up to age 99 (the ‘Special Benefit’ is only up to age 18/85 depending on the medical condition). Furthermore, your premiums won’t increase with age, giving you better visibility when managing your finances. Singlife's Comprehensive Critical Illness has the edge over its predecessor by including two new benefits as well: the Intensive Care Benefit and Benign and Borderline Malignant Tumour Benefit. Both grant payouts are identical to the Special Benefit, which makes things easy to understand. For the former benefit, a payout is made should you be admitted to the Intensive Care Unit for 4 days at least. For the latter, a payout is made either upon a complete surgical excision of a benign tumour with suspected malignancy or diagnosis of a borderline malignant tumour. Starting at approximately S$88 a month, this plan is competitively priced. And if you want to ensure you can get a cash infusion the moment you are diagnosed with a critical illness – regardless of the stage – this might be ideal for you. Find out more . Back to top AIA Beyond Critical Care – A holistic critical illness plan Thus far, we have rated affordability as a strong factor when determining which plans should be included in this list. That makes perfect sense for most – but not for everybody. What about someone whose level of coverage is the most important factor? If that sounds like you, then you should look at AIA’s Beyond Critical Care. This is a pricey plan no doubt, with premiums reaching S$300 per month should you decide to include riders such as Early Critical Cover Extra and Early Critical Protector Waiver of Premium. However, these just enhance a policy that is already well-rounded and includes benefits that many would find essential today. Firstly, policyholders age 21 years and above are granted a health screening benefit of up to S$200 once every three years. This begins from the fourth policy year onwards and provides additional encouragement for you to schedule regular checkups. Secondly, the policy's pioneering mental well-being benefit allows you to make a maximum of five claims up to age 75. Five mental illnesses are covered by this benefit, including Obsessive Compulsive Disorder and Major Depressive Disorders. Each claim is capped at S$50,000 and there is a waiting period of 3 years between each one. Additionally, there is a limit of S$150,000 for mental health claims across all AIA policies. If you require a critical illness plan that is an all-rounder, AIA's Beyond Critical Care is the one for you. And despite its higher premiums, do note that a 100% refund will be paid out upon policy expiry, less any claims made of course. Find out more . Back to top 4 more plans worth a critical look Since August 2020, the definitions of critical illnesses have been changed to express the coverages more clearly. While current policyholders are not impacted by this latest development, it has certainly drummed up interest by individuals who are yet to be covered by such plans. Here are five more critical illness plans for you to consider, in case you need to cast a wider net in terms of conditions or stages covered. Plan Highlights Annual Premium TM Multicare 10 Special Conditions and 10 Juvenile Conditions coverage Maximum payout can be up to 900% of Sum Assured Death Benefit is 10% of sum assured, unlike other plans which offer a fixed nominal payout Not stated on the website Singlife Multipay Critical Illness Maximum Payout up to 900% of Sum Assured Receive additional 20% of Sum Assured under Intensive Care Benefit Receive additional 100% of Sum Assured upon first Severe Stage Critical Illness benefit claim under Advance Care Option Benefit S$1,187 per year [1] Manulife's CI FlexiCare Covers up to 126 critical illnesses including intermediate and advanced stages Free coverage for your child Covers 23 special CI conditions, up to S$25,000, up to 6 claims Opt for the Cover Me Again Booster Rider to claim up to 4 times for another CI condition and up to 2 times for a repeated Advanced Stage CI condition Not stated on the website PruActive Protect Coverage up to age 100 Highly customisable, with up to 6 benefits that can be added on Affordable premiums due to policy's modular nature S$451.92 [2] [1] For a 35-year old non-smoking male with sum assured of S$100,000 and policy term of 30 years [2] For a 24-year old non-smoking female with sum assured of S$100,000 and policy term of up to age 85 TM Multicare Singlife’s Multipay Critical Illness Manulife’s Ready CompleteCare PRUActiveProtect TM Multicare: Highest early stage critical illness payout Oftentimes, the earlier a disease is diagnosed, the higher the chances of it being cured or successfully managed. With this lump sum payout, you have more options open if you are diagnosed with an early stage illness, such as seeking alternative medical treatments or deciding to take time off work to focus on recovery. TM Multicare also offers decent coverage for intermediate and advanced stages of CI. Covering 109 different stages of CIs, there are multiple payouts for early, intermediate and advanced stage critical illnesses, with a total payout of up to 900% of the sum assured. It also boasts additional coverage for 10 special conditions and 10 juvenile conditions –– such as osteoporosis and severe hemophilia –– with up to 20% coverage (capped at S$25,000). It is important to note that the claim structure of TM Multicare can be quite complex. While a payout of 900% is possible, there are multiple restrictions, such as waiting periods between claims and limitations on the number of claims that can be made per category of CI. Additionally, the plan has grouped cancer and illness related to other major organs in the same category, which could be limiting. The protection term is also relatively inflexible, only offering coverage till ages 70, 75, or 85. This plan is pricier than many others, including those on this list. However, it also comes out on top in terms of highest early stage CI payout, with up to two claims and no waiting period in between. This makes it an excellent choice for individuals who go for regular checkups. Find out more Back to top Singlife Multipay Critical Illness: Payout at any stage of critical illness We’ve covered multi-pay critical illness plans before, and we found another one that managed to impress us. Multi-pay plans are essentially plans that allow you to make multiple claims, therefore receiving more than one payout. If you’re looking for a long-term plan to take on the financial burden of CIs, particularly recurring ones, this might be the one for you. This Singlife plan was designed to protect policyholders by giving them the option of making multiple claims for conditions across different stages as well as recurring critical illnesses. With 132 conditions and recurrence of 6 specified critical illnesses, including recurrent heart attack of specified severity and repeated coronary artery by-pass surgery, covered, you get up to 900% of sum assured. In addition, you can opt for the Advance Care Option to convert your recurrent critical illness benefit to an extra 100% of sum assured. However, once you exercise this Advance Care Option, the recurrent critical illness benefit will cease. You will also receive an additional 20% of sum assured upon a complete surgical excision of a benign tumour (suspected malignancy), or upon diagnosis of a borderline malignant tumour, with a cap of S$25,000 per life. This is under the Benign and Borderline Malignant Tumour Benefit. The Intensive Care Benefit also allows you to receive an additional 20% of sum insured with a cap of S$25,000 per life. Coverage term ranges from 10 years to a maximum age of 99 years. It also comes with a death benefit – a lump sum payout of S$5,000. Do note that while there are multiple benefits, there are restrictions that can trigger the ceasing of the aforementioned benefits. In addition, there is a cap on how many times claims can be made for different categories of conditions. For instance, both the tumour and intensive care benefit can only be claimed once. Overall, this plan is a decent safety net for you as it ensures that you get multiple cash infusions no matter which stage of CI you are diagnosed at. Find out more . Back to top Manulife's CI FlexiCare : Multiple claims and full premium refund Here’s another plan that allows you to make more than one claim while staying flexible. Manulife’s CI FlexiCare covers a decent range of 126 conditions and critical illnesses for all stages up to S$250,000, 100% of the basic sum insured. In addition, it also covers an extra 23 special conditions for up to six claims (bearing in mind that each condition can only be claimed once), each claim can allow up to S$25,000 in payout. In the event advance stage critical illness occurs to your child, an additional amount of S$10,000 will be paid out. This does not reduce your total sum assured. The plan also allows you to choose from 4 coverage terms — to age 65, 75, 85 and 99. Because of the nature of this plan, the claim structure may be a little tricky to understand. This plan separates its coverage into the basic core coverage and a ‘Cover Me Again’ coverage, which allows you to restart your coverage after you have made a claim. Basically, under this option, after receiving payout(s), your coverage continues for up to 4 times for other critical illnesses and up to 2 times for repeated advanced stage CI condition (for top 6 recurring conditions). Coverage will be restarted to 100% of basic sum insured after 12 claim-free months from the last critical illness claim. This is subject to a maximum payout of 500% of basic sum insured. Under the ‘Cover Me Again’ option, you also receive 200% of sum insured for six major advanced stage critical illnesses, and 100% of sum insured (capped at 200%) for subsequent advanced stage major cancer conditions, courtesy of the recurring cancer benefit. Manulife’s monthly premiums are pretty competitive too. If you are able to get past the complex claim structure, its comprehensive coverage and flexible add-ons like could just make it the right plan for you. Find out more . Back to top PRUActive Protect: Highly customisable to suit your needs Insurance coverage, like our lives, should never be static. Your needs evolve at every life stage and your coverage should increase and decrease alongside your number of dependents. Prudential recognises this, and its PRUActive Protect critical illness plan is highly customisable to ensure that coverage is always sufficient. Although the base plan only covers 37 critical illnesses such as Alzheimer's Disease and end-stage liver failure, remember that you're given the option to boost coverage throughout your policy's term. Supplementary benefits that can be tacked on include Early Protect (grants coverage against early-stage critical illnesses) and Life Protect Plus (additional lump sum payout upon death for up to 100% of your basic critical illness coverage). The policy term itself is customisable as well, ranging from 10 to 99 years. And if you're a parent and purchase this policy alongside your spouse, you'll be glad to know that you children receive a complimentary Child Cover Benefit. This protects them against 36 critical illnesses and 9 juvenile conditions. Find out more . Back to top An ounce of prevention is worth a pound of cure Similarly, a dollar of protection could be worth a hundred in costs. Don’t underestimate the havoc a critical illness can wreak on your finances – even if all your medical costs are covered. Opportunity costs from potentially lost income must be factored in as well, making critical illness insurance a wise choice, especially given the S$256,000 critical illness protection gap. Protected up to specified limits by SDIC . Note: This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future healthcare needs. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy. Read these next: Critical Illness vs Cancer Insurance Plans: A Critical Comparison Critical Illness Plans vs Early Critical Illness Plans: Which Should You Get Changes to Definition of ‘Critical Illness’ in Life Insurance Policies 5 Best Cancer Insurance Plans In Singapore 5 Critical Things You Need to Know About Cancer Insurance Singapore Budget 2023 Preview: What To Look Out For
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SingSaver assembles the '[Best For](https://www.singsaver.com.sg/blog/tags/best-for)' list, so you can decide what’s best for you. * ## When you want protection that goes beyond just covering your medical costs, critical illness insurance is the logical choice. But with so many options out there, which ones are best for you? We investigate in this article. ### Best Critical Illness Insurance Plans in Singapore on SingSaver [FWD Big 3 Critical Illness](https://singsaver.link/fwd-big3-critical-illness) \\| [GREAT Critical Cover](https://singsaver.link/GE-great-critical-cover) \\| [Tiq 3 Plus Critical Illness](https://singsaver.link/tiq-3-plus-critical-illness) In a nutshell, critical illness insurance is insurance that gives you a lump sum pay-out upon diagnosis of specific critical illnesses. It can be considered as a supplement to health insurance, which covers your medical costs but cannot compensate you for any loss of income. For instance, if you are forced to take time off work or have additional expenses (i.e transport costs to the hospital, health supplements, mental wellness sessions, etc) incurred. That’s where critical illness insurance comes in. Although it is a ‘supplement’, it is a very important one. A Straits Times article based on a LIA survey found that the average Singaporean has a critical illness insurance gap of S\$256,000. That number is essentially the estimated ‘lost earnings’ from having to take time off work to recover from an illness. In short, if you are worried about potentially losing income or savings from contracting a major illness, critical illness insurance should be part of your insurance portfolio. We’ve picked out five plans, with each one being the winner in their respective categories. (Note: We will not be including [cancer insurance](https://www.singsaver.com.sg/blog/critical-things-about-cancer-insurance) plans here. These are ‘critical illness-lite’, having the same structure as a critical illness plan, but only covering cancer. If you’re looking for the top cancer insurance picks, [check out this article instead](https://www.singsaver.com.sg/blog/best-cancer-insurance-plans-singapore).) [Compare Best Critical Illness Insurance Plans](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore) \| \| \| \| \|---\|---\|---\| \| Critical Illness Insurance Plan \| Highlights \| Annual Premium / Promotion \| \| [FWD Big 3 Critical Illness](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#fwdbig3) [![](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/Logo-Review-FWD-Travel-Insurance.png?width=150&height=66&name=Logo-Review-FWD-Travel-Insurance.png)](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#fwdbig3) [Apply Now](https://singsaver.link/fwd-big3-critical-illness) \| Additional S\$20,000 death benefit Full payout for all stages of cancer, Heart Attack of Specified Severity or Stroke with Permanent Neurological Deficit \| From S\$296.20 \[1\] Use promo code BIG60 to get 60% discount. Valid till 28 February 2026. T\&Cs apply. \| \| [GREAT Critical Cover (GCC)](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#gecc) ![](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/1200px-Great_Eastern_logo.svg_-300x117.png?width=250&name=1200px-Great_Eastern_logo.svg_-300x117.png) [Apply Now](https://singsaver.link/GE-great-critical-cover) \| Full payout for all stages of cancer and 53 critical illnesses Protect Me Again rider to receive additional coverage of 100% lump sum payout for up to three critical illness claims Flexibility in protection against 53 critical illnesses or the top 3 critical illness conditions - cancer, heart attack or stroke. Two plans are available: GREAT Critical Cover: Top 3 CIs and GREAT Critical Cover: Complete \| S\$646.2 (up to 65), \$1173.60 (up to 85) \[2\] 10% off perpetual discount on GCC premiums \| \| [Tiq 3 Plus Critical Illness](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#tiq3plus) [![Tiq\_Etiqa\_LogoLockUp-02-2](https://www.singsaver.com.sg/hs-fs/hubfs/Tiq_Etiqa_LogoLockUp-02-2.png?width=1271&height=899&name=Tiq_Etiqa_LogoLockUp-02-2.png)](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#tiq3plus) [Apply Now](https://singsaver.link/tiq-3-plus-critical-illness) \| Full payout for all stages of cancer, Heart Attack of Specified Severity or Stroke with Permanent Neurological Deficit Complimentary death benefit coverage of S\$20,000 for insured and up to 4 of the insured’s youngest children Optional Heart and Neurological Rider for greater coverage beyond severe stage heart attacks and strokes Renewable up to age 85 \| S\$342 \[3\] For a 35-year old non-smoking female with sum assured of S\$100,000, renewable to age 85 Use the promo code MULTI60 to get up to 60% off for 1st year premium. Valid till 31 March 2026. T\&Cs apply. \| \| [Singlife Comprehensive Critical Illness](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#singlifemyearly) ![Singlife logo](https://www.singsaver.com.sg/hs-fs/hubfs/Singlife%20logo_Horizontal_Red_Transparent-1.png?width=189&height=99&name=Singlife%20logo_Horizontal_Red_Transparent-1.png) \| Full payouts for all stages of diagnosis Additional special conditions benefit that can be claimed up to 6 times Benign and Borderline Malignant Tumour Benefit grants an additional payout upon complete surgical excision (benign) or diagnosis (borderline malignant) Premiums don’t increase with age \| S\$1,052 \[4\] \| \| [AIA Beyond Critical Care](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#aiabeyondcritical) [![aia-logo-962x1024](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/aia-logo-962x1024.png?width=118&height=104&name=aia-logo-962x1024.png)](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#aiabeyondcritical) \| 104 conditions covered (upon inclusion of riders) 100% Refund of Premium benefit refunds you a lump sum upon policy expiry Mental well-being benefit covers 5 prominent mental illnesses \| S\$3,411 \[5\] \| \[1\] For a 35-year old non-smoking female with sum assured of S\$100,000, renewable to age 85 \[2\] For a 35-year old non-smoking female with sum assured of S\$100,000 \[3\] For a 35-year old non-smoking female with sum assured of S\$100,000 to age 75 \[4\] For a 35-year old non-smoking female with sum assured of S\$100,000, renewable term \[5\] For a 35-year old non-smoking male with sum assured of S\$100,000 to age 85 - [FWD Big 3 Critical Illness](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#fwdbig3) - [GREAT Critical Cover (GCC)](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#gecc) - [Tiq 3 Plus Critical Illness](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#tiq3plus) - [Singlife Comprehensive Critical Illness](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#singlifemyearly) - [AIA Beyond Critical Care](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#aiabeyondcritical) - [4 more bonus CI options](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#5moreciplan) * ## FWD Big 3 Critical Illness – Best basic critical illness plan ![](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/Logo-Review-FWD-Travel-Insurance.png?width=250&name=Logo-Review-FWD-Travel-Insurance.png) If you are looking for something more extensive than cancer insurance, but don’t want to pay the costs associated with most critical illness plans, then FWD’s Big 3 Critical Illness is for you. It is a ‘basic’ plan that only covers Singapore’s [big three killers](https://www.moh.gov.sg/resources-statistics/singapore-health-facts/principal-causes-of-death): cancer, heart attack, and stroke. If you want wider coverage, you can always purchase a rider to cover an additional 24 conditions that affect your brain or heart function. The sum assured starts at S\$50,000 and goes up to S\$200,000. This plan also comes with an additional S\$20,000 death benefit. This policy is offered on a renewable basis until age 85. This means that the premium will increase year on year as you renew, but the good news is that the renewal is guaranteed without further underwriting. That said, keep in mind that this is a basic plan. The heart attack must be of a specified severity and the stroke has to be one that leaves a permanent neurological deficit (A.K.A. brain damage) to qualify for the payout. But if you want something that is bare bones and low cost, this is a good plan for you. On the plus side, it does offer the full payout for all stages of cancer. FWD Big 3 Critical Illness Insurance Promotion: Use the promo code BIG60 to get an exclusive 60% discount on your plan when you apply NOW! Valid till 28 February 2026. T\&Cs apply. [Apply Now](https://singsaver.link/fwd-big3-critical-illness) [Back to top](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#backtotop1) * ## GREAT Critical Cover: Complete (GCC) – Best for multi-pay coverage ![](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/1200px-Great_Eastern_logo.svg_-300x117.png?width=250&name=1200px-Great_Eastern_logo.svg_-300x117.png) Getting a critical illness diagnosis at a younger age is, unfortunately, getting common and can sometimes lead to a recurring 2nd or 3rd diagnosis. Thanks to medical science, with treatment and care, full recovery is a great possibility. Great Eastern’s GREAT Critical Cover offers two options, one offering coverage for the top 3 critical illnesses and the other offering coverage against 53 critical illnesses. What's worth highlighting about this plan is the Protect Me Again rider, which offers 100% payout for up to a total of three critical illness claims. This provides peace of mind during recovery, taking a load off financial concerns. Getting your CI coverage sorted when you are young is one of the best things you can do for yourself. Not only is the premium lower, the fact that you're young and healthy makes you eligible to purchase a CI plan, whereas any change in your health as you get older could potentially make you ineligible for CI plans. If you are looking for an affordable critical illness plan, Great Eastern’s Critical Cover would be a solid shield. To find out more, here's [a full review](https://www.singsaver.com.sg/blog/why-critical-illness-insurance-is-crucial-to-your-financial-planning) of the plan. [Apply Now](https://singsaver.link/GE-great-critical-cover) [Back to top](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#backtotop1) * ## Tiq 3 Plus Critical Illness – Best protection for young dependants ![Tiq\_Etiqa\_LogoLockUp-02-2](https://www.singsaver.com.sg/hs-fs/hubfs/Tiq_Etiqa_LogoLockUp-02-2.png?width=440&height=311&name=Tiq_Etiqa_LogoLockUp-02-2.png) One of the main concerns for a critical illness plan is whether it provides sufficient support for dependents due to the loss of income. For those with young children, Tiq 3 Plus Critical Illness would be an attractive option. The plan covers cancer (all stages), stroke with permanent neurological deficit, and heart attack of specified severity, with the sum assured from S\$30,000 up to S\$300,000. On top of that, it also has a death benefit of S\$20,000 not only for the insured person, but also for four of the insured person’s youngest children. Another unique feature is the Special Conditions Benefit, which provides an additional 20% of the sum insured against Diabetic Complications or Severe Rheumatoid Arthritis (SRA), capped at S\$25,000 per special condition. What makes this plan a good purchase is its affordability. For wider coverage, you can always top-up with a rider to cover an additional 24 conditions that affect your brain or heart functions. This policy is offered on a renewable basis until age 85 and available to apply up to age 70. A comprehensive plan that offers good coverage and support for those with young dependants. TIQ Critical Illness Insurance Promotion: Use the promo code MULTI60 to get up to 60% off for first 3 years premium. Valid till 28 February 2026. [T\&Cs apply.](https://singsaver.link/tiq-provider-rewards) [Apply Now](https://singsaver.link/tiq-3-plus-critical-illness) * ## Singlife Comprehensive Critical Illness – Best early-stage coverage ![Singlife logo](https://www.singsaver.com.sg/hs-fs/hubfs/Singlife%20logo_Horizontal_Red_Transparent-1.png?width=600&height=314&name=Singlife%20logo_Horizontal_Red_Transparent-1.png) When people think of ‘critical illness’ and ‘[early stage](https://www.singsaver.com.sg/blog/critical-illness-vs-early-critical-illness)’, the first thing that comes to mind is [cancer](https://www.singsaver.com.sg/blog/critical-illness-vs-cancer-insurance). But cancer is not the only critical illness that can be diagnosed early. There are many others: Parkinson’s, multiple sclerosis, and Alzheimer’s are three such examples, and they are all covered under Singlife Comprehensive Critical Illness. This plan covers 132 conditions across various stages of critical illnesses and offers full payouts for early or intermediate-stage diagnoses. On top of that, you can also claim an additional benefit (‘Special Benefit’) of up to S\$25,000 for 27 special conditions – such as angioplasty, severe haemophilia – without reducing your basic sum assured amount. You can claim this special benefit up to six times, as long as each is for a different condition. This policy offers lifetime coverage, up to age 99 (the ‘Special Benefit’ is only up to age 18/85 depending on the medical condition). Furthermore, your premiums won’t increase with age, giving you better visibility when managing your finances. Singlife's Comprehensive Critical Illness has the edge over its predecessor by including two new benefits as well: the Intensive Care Benefit and Benign and Borderline Malignant Tumour Benefit. Both grant payouts are identical to the Special Benefit, which makes things easy to understand. For the former benefit, a payout is made should you be admitted to the Intensive Care Unit for 4 days at least. For the latter, a payout is made either upon a complete surgical excision of a benign tumour with suspected malignancy or diagnosis of a borderline malignant tumour. Starting at approximately S\$88 a month, this plan is competitively priced. And if you want to ensure you can get a cash infusion the moment you are diagnosed with a critical illness – regardless of the stage – this might be ideal for you. [Find out more](https://singlife.com/en/critical-illness-insurance/comprehensive-critical-illness). [Back to top](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#backtotop1) * ## AIA Beyond Critical Care – A holistic critical illness plan ![](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/aia-logo-962x1024.png?width=250&name=aia-logo-962x1024.png) Thus far, we have rated affordability as a strong factor when determining which plans should be included in this list. That makes perfect sense for most – but not for everybody. What about someone whose level of coverage is the most important factor? If that sounds like you, then you should look at AIA’s Beyond Critical Care. This is a pricey plan no doubt, with premiums reaching S\$300 per month should you decide to include riders such as Early Critical Cover Extra and Early Critical Protector Waiver of Premium. However, these just enhance a policy that is already well-rounded and includes benefits that many would find essential today. Firstly, policyholders age 21 years and above are granted a [health screening](https://www.singsaver.com.sg/blog/cost-of-health-screening-in-singapore) benefit of up to S\$200 once every three years. This begins from the fourth policy year onwards and provides additional encouragement for you to schedule regular checkups. Secondly, the policy's pioneering [mental well-being](https://www.singsaver.com.sg/blog/mental-health-insurance-coverage) benefit allows you to make a maximum of five claims up to age 75. Five mental illnesses are covered by this benefit, including Obsessive Compulsive Disorder and Major Depressive Disorders. Each claim is capped at S\$50,000 and there is a waiting period of 3 years between each one. Additionally, there is a limit of S\$150,000 for mental health claims across all AIA policies. If you require a critical illness plan that is an all-rounder, AIA's Beyond Critical Care is the one for you. And despite its higher premiums, do note that a 100% refund will be paid out upon policy expiry, less any claims made of course. [Find out more](https://www.aia.com.sg/en/our-products/critical-illness-protection/aia-beyond-critical-care.html). [Back to top](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#backtotop1) * [![EDM Lead Gen](https://blogassets.singsaver.com.sg/wp-content/uploads/sites/2/2022/05/13105642/SS_UPG_BLOGARTICLE.png)](https://www.singsaver.com.sg/weekly-email) Start managing and saving money like a pro with [SingSaver’s weekly financial roundups](https://www.singsaver.com.sg/weekly-email)! We dole out easy-to-follow money-saving tips, the latest financial trends and the hottest promotions every week, right into your inbox. This is one mailer you don’t want to miss. Sign up today to receive our exclusive free investing guide for beginners\! [Subscribe To SingSaver Today](https://www.singsaver.com.sg/weekly-email) [Compare Best Critical Illness Insurance Plans](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore) ## 4 more plans worth a critical look Since August 2020, the [definitions of critical illnesses have been changed](https://www.singsaver.com.sg/blog/changes-to-critical-illness-definition) to express the coverages more clearly. While current policyholders are not impacted by this latest development, it has certainly drummed up interest by individuals who are yet to be covered by such plans. Here are five more critical illness plans for you to consider, in case you need to cast a wider net in terms of conditions or stages covered. \| \| \| \| \|---\|---\|---\| \| Plan \| Highlights \| Annual Premium \| \| [TM Multicare](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#tmmulticare) [![](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/Logo-Tokio-Marine.png?width=161&height=92&name=Logo-Tokio-Marine.png)](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#tmmulticare) \| 10 Special Conditions and 10 Juvenile Conditions coverage Maximum payout can be up to 900% of Sum Assured Death Benefit is 10% of sum assured, unlike other plans which offer a fixed nominal payout \| Not stated on the website \| \| Singlife Multipay Critical Illness [![Singlife Logo - Red on White - Horizontal](https://www.singsaver.com.sg/hs-fs/hubfs/Singlife%20Logo%20-%20Red%20on%20White%20-%20Horizontal.png?width=600&height=200&name=Singlife%20Logo%20-%20Red%20on%20White%20-%20Horizontal.png)](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#singlifemymultipay) \| Maximum Payout up to 900% of Sum Assured Receive additional 20% of Sum Assured under Intensive Care Benefit Receive additional 100% of Sum Assured upon first Severe Stage Critical Illness benefit claim under Advance Care Option Benefit \| S\$1,187 per year \[1\] \| \| [Manulife's CI FlexiCare](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#manulifecompletecare) [![](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/Manulife.jpeg?width=250&name=Manulife.jpeg)](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#manulifecompletecare) \| Covers up to 126 critical illnesses including intermediate and advanced stages Free coverage for your child Covers 23 special CI conditions, up to S\$25,000, up to 6 claims Opt for the Cover Me Again Booster Rider to claim up to 4 times for another CI condition and up to 2 times for a repeated Advanced Stage CI condition \| Not stated on the website \| \| [PruActive Protect](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#pruactiveprotect) [![](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/Prudential-logo-1024x463.png?width=250&name=Prudential-logo-1024x463.png)](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#pruactiveprotect) \| Coverage up to age 100 Highly customisable, with up to 6 benefits that can be added on Affordable premiums due to policy's modular nature \| S\$451.92 \[2\] \| \[1\] For a 35-year old non-smoking male with sum assured of S\$100,000 and policy term of 30 years \[2\] For a 24-year old non-smoking female with sum assured of S\$100,000 and policy term of up to age 85 * - [TM Multicare](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#tmmulticare) - [Singlife’s Multipay Critical Illness](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#singlifemymultipay) - [Manulife’s Ready CompleteCare](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#manulifecompletecare) - [PRUActiveProtect](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#pruactiveprotect) * ## TM Multicare: Highest early stage critical illness payout ![](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/Logo-Tokio-Marine.png?width=250&name=Logo-Tokio-Marine.png) Oftentimes, the earlier a disease is diagnosed, the higher the chances of it being cured or successfully managed. With this lump sum payout, you have more options open if you are diagnosed with an early stage illness, such as seeking alternative medical treatments or deciding to take time off work to focus on recovery. TM Multicare also offers decent coverage for intermediate and advanced stages of CI. Covering 109 different stages of CIs, there are multiple payouts for early, intermediate and advanced stage critical illnesses, with a total payout of up to 900% of the sum assured. It also boasts additional coverage for 10 special conditions and 10 juvenile conditions –– such as osteoporosis and severe hemophilia –– with up to 20% coverage (capped at S\$25,000). It is important to note that the claim structure of TM Multicare can be quite complex. While a payout of 900% is possible, there are multiple restrictions, such as waiting periods between claims and limitations on the number of claims that can be made per category of CI. Additionally, the plan has grouped cancer and illness related to other major organs in the same category, which could be limiting. The protection term is also relatively inflexible, only offering coverage till ages 70, 75, or 85. This plan is pricier than many others, including those on this list. However, it also comes out on top in terms of highest early stage CI payout, with up to two claims and no waiting period in between. This makes it an excellent choice for individuals who go for regular checkups. [Find out more](https://www.tokiomarine.com/sg/en/life/products/personal/protect/critical-illness-insurance/tm-multicare.html) [Back to top](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#backtotop2) * ## Singlife Multipay Critical Illness: Payout at any stage of critical illness ![Singlife Logo - Red on White - Horizontal](https://www.singsaver.com.sg/hs-fs/hubfs/Singlife%20Logo%20-%20Red%20on%20White%20-%20Horizontal.png?width=600&height=200&name=Singlife%20Logo%20-%20Red%20on%20White%20-%20Horizontal.png) We’ve covered multi-pay critical illness plans before, and we found another one that managed to impress us. Multi-pay plans are essentially plans that allow you to make multiple claims, therefore receiving more than one payout. If you’re looking for a long-term plan to take on the financial burden of CIs, particularly recurring ones, this might be the one for you. This Singlife plan was designed to protect policyholders by giving them the option of making multiple claims for conditions across different stages as well as recurring critical illnesses. With 132 conditions and recurrence of 6 specified critical illnesses, including recurrent heart attack of specified severity and repeated coronary artery by-pass surgery, covered, you get up to 900% of sum assured. In addition, you can opt for the Advance Care Option to convert your recurrent critical illness benefit to an extra 100% of sum assured. However, once you exercise this Advance Care Option, the recurrent critical illness benefit will cease. You will also receive an additional 20% of sum assured upon a complete surgical excision of a benign tumour (suspected malignancy), or upon diagnosis of a borderline malignant tumour, with a cap of S\$25,000 per life. This is under the Benign and Borderline Malignant Tumour Benefit. The Intensive Care Benefit also allows you to receive an additional 20% of sum insured with a cap of S\$25,000 per life. Coverage term ranges from 10 years to a maximum age of 99 years. It also comes with a death benefit – a lump sum payout of S\$5,000. Do note that while there are multiple benefits, there are restrictions that can trigger the ceasing of the aforementioned benefits. In addition, there is a cap on how many times claims can be made for different categories of conditions. For instance, both the tumour and intensive care benefit can only be claimed once. Overall, this plan is a decent safety net for you as it ensures that you get multiple cash infusions no matter which stage of CI you are diagnosed at. [Find out more](https://singlife.com/en/critical-illness-insurance/multipay-critical-illness). [Back to top](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#backtotop2) * ## Manulife's CI FlexiCare**: Multiple claims and full premium refund ![](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/Manulife.jpeg?width=250&name=Manulife.jpeg) Here’s another plan that allows you to make more than one claim while staying flexible. Manulife’s CI FlexiCare covers a decent range of 126 conditions and critical illnesses for all stages up to S\$250,000, 100% of the basic sum insured. In addition, it also covers an extra 23 special conditions for up to six claims (bearing in mind that each condition can only be claimed once), each claim can allow up to S\$25,000 in payout. In the event advance stage critical illness occurs to your child, an additional amount of S\$10,000 will be paid out. This does not reduce your total sum assured. The plan also allows you to choose from 4 coverage terms — to age 65, 75, 85 and 99. Because of the nature of this plan, the claim structure may be a little tricky to understand. This plan separates its coverage into the basic core coverage and a ‘Cover Me Again’ coverage, which allows you to restart your coverage after you have made a claim. Basically, under this option, after receiving payout(s), your coverage continues for up to 4 times for other critical illnesses and up to 2 times for repeated advanced stage CI condition (for top 6 recurring conditions). Coverage will be restarted to 100% of basic sum insured after 12 claim-free months from the last critical illness claim. This is subject to a maximum payout of 500% of basic sum insured. Under the ‘Cover Me Again’ option, you also receive 200% of sum insured for six major advanced stage critical illnesses, and 100% of sum insured (capped at 200%) for subsequent advanced stage major cancer conditions, courtesy of the recurring cancer benefit. Manulife’s monthly premiums are pretty competitive too. If you are able to get past the complex claim structure, its comprehensive coverage and flexible add-ons like could just make it the right plan for you. [Find out more](https://www.manulife.com.sg/en/solutions/health/critical-illness/ready-complete-care.html). [Back to top](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#backtotop2) * ## PRUActive Protect: Highly customisable to suit your needs ![](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/Prudential-logo-1024x463.png?width=250&name=Prudential-logo-1024x463.png) Insurance coverage, like our lives, should never be static. Your needs evolve at every life stage and your coverage should increase and decrease alongside your number of dependents. Prudential recognises this, and its PRUActive Protect critical illness plan is highly customisable to ensure that coverage is always sufficient. Although the base plan only covers 37 critical illnesses such as Alzheimer's Disease and end-stage liver failure, remember that you're given the option to boost coverage throughout your policy's term. Supplementary benefits that can be tacked on include Early Protect (grants coverage against early-stage critical illnesses) and Life Protect Plus (additional lump sum payout upon death for up to 100% of your basic critical illness coverage). The policy term itself is customisable as well, ranging from 10 to 99 years. And if you're a parent and purchase this policy alongside your spouse, you'll be glad to know that you children receive a complimentary Child Cover Benefit. This protects them against 36 critical illnesses and 9 juvenile conditions. [Find out more](https://www.prudential.com.sg/products/health-insurance/critical-illness/pruactive-protect). [Back to top](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#backtotop2) * ## An ounce of prevention is worth a pound of cure Similarly, a dollar of protection could be worth a hundred in costs. Don’t underestimate the havoc a critical illness can wreak on your finances – even if all your medical costs are covered. Opportunity costs from potentially lost income must be factored in as well, making critical illness insurance a wise choice, especially given the S\$256,000 critical illness protection gap. [Compare Best Critical Illness Insurance Plans](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore) *** Protected up to specified limits by SDIC. Note: This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future healthcare needs. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy. * [![EDM Lead Gen](https://blogassets.singsaver.com.sg/wp-content/uploads/sites/2/2022/05/13105642/SS_UPG_BLOGARTICLE.png)](https://www.singsaver.com.sg/weekly-email) Start managing and saving money like a pro with [SingSaver’s weekly financial roundups](https://www.singsaver.com.sg/weekly-email)! We dole out easy-to-follow money-saving tips, the latest financial trends and the hottest promotions every week, right into your inbox. This is one mailer you don’t want to miss. Sign up today to receive our exclusive free investing guide for beginners\! [Subscribe To SingSaver Today](https://www.singsaver.com.sg/weekly-email) * Read these next: [Critical Illness vs Cancer Insurance Plans: A Critical Comparison](https://www.singsaver.com.sg/blog/critical-illness-vs-cancer-insurance) [Critical Illness Plans vs Early Critical Illness Plans: Which Should You Get](https://www.singsaver.com.sg/blog/critical-illness-vs-early-critical-illness) [Changes to Definition of ‘Critical Illness’ in Life Insurance Policies](https://www.singsaver.com.sg/blog/changes-to-critical-illness-definition) [5 Best Cancer Insurance Plans In Singapore](https://www.singsaver.com.sg/blog/best-cancer-insurance-plans-singapore)[5 Critical Things You Need to Know About Cancer Insurance](https://www.singsaver.com.sg/blog/critical-things-about-cancer-insurance) [Singapore Budget 2023 Preview: What To Look Out For](https://www.singsaver.com.sg/blog/singapore-budget-2023) Similar articles [FWD Flex Insurance Review (2024): Low-cost Coverage for Top 3 Critical Illnesses for Singaporeans](https://www.singsaver.com.sg/blog/fwd-flex-insurance-review) [Changes to Definition of ‘Critical Illness’ in Life Insurance Policies](https://www.singsaver.com.sg/blog/changes-to-critical-illness-definition) [Critical Illness vs Cancer Insurance Plans: A Critical Comparison](https://www.singsaver.com.sg/blog/critical-illness-vs-cancer-insurance) [How Much Should You Spend on Insurance in Singapore?](https://www.singsaver.com.sg/blog/how-much-to-spend-on-insurance-in-singapore) [Starr’s Critical Illness Advantage Global Connect Review (2022): Access to Worldwide Treatment](https://www.singsaver.com.sg/blog/starrs-critical-illness-advantage-global-connect-review-2022-access-to-worldwide-treatment) [Critical Illness Plans vs Early Critical Illness Plans: Which Should You Get](https://www.singsaver.com.sg/blog/critical-illness-vs-early-critical-illness) [Everything You Need To Know About Breast Cancer: Screening, Treatment Costs & Insurance](https://www.singsaver.com.sg/blog/guide-to-breast-cancer-insurance) [Why A Multi-Pay Critical Illness Plan Is Good To Have When You’re Young And Healthy](https://www.singsaver.com.sg/blog/great-eastern-great-critical-cover-critical-illness-insurance-plan) Tags [Great Eastern](https://www.singsaver.com.sg/blog/tag/great-eastern) [AXA](https://www.singsaver.com.sg/blog/tag/axa) [critical illness insurance](https://www.singsaver.com.sg/blog/tag/critical-illness-insurance) [Protect Yourself](https://www.singsaver.com.sg/blog/tag/protect-yourself) [AIA](https://www.singsaver.com.sg/blog/tag/aia) [Best For](https://www.singsaver.com.sg/blog/tag/best-for) [FWD](https://www.singsaver.com.sg/blog/tag/fwd) [Singlife](https://www.singsaver.com.sg/blog/tag/singlife) [Critical Illness](https://www.singsaver.com.sg/blog/tag/critical-illness) [Great Critical Cover](https://www.singsaver.com.sg/blog/tag/great-critical-cover) ![SingSaver team](https://www.singsaver.com.sg/hubfs/SingSaver_logo.jpg) ### [SingSaver team](https://www.singsaver.com.sg/blog/author/singsaver-team) At SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you. [![](https://www.singsaver.com.sg/hubfs/Website%202022%20image/dark_left.svg) Back to Blog](https://www.singsaver.com.sg/blog) ### Related Articles [![Why a multi-pay CI plan is good to have when you’re young and healthy](https://www.singsaver.com.sg/hs-fs/hubfs/GE%20fixed%20fee%20multi%20pay%20insurance.png?width=280&name=GE%20fixed%20fee%20multi%20pay%20insurance.png)](https://www.singsaver.com.sg/blog/great-eastern-great-critical-cover-critical-illness-insurance-plan) [Critical Illness](https://www.singsaver.com.sg/blog/category/protect-yourself/critical-illness) #### [Why a multi-pay CI plan is good to have when you’re young and healthy](https://www.singsaver.com.sg/blog/great-eastern-great-critical-cover-critical-illness-insurance-plan) November 14, 2022 [![Starr’s Critical Illness Advantage Global Connect Review (2022): Access to Worldwide Treatment](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/Starr%E2%80%99s%20Critical%20Illness%20Advantage%20Global%20Connect%20Review%20$2022$%20Access%20to%20Worldwide%20Treatment.png?width=280&name=Starr%E2%80%99s%20Critical%20Illness%20Advantage%20Global%20Connect%20Review%20$2022$%20Access%20to%20Worldwide%20Treatment.png)](https://www.singsaver.com.sg/blog/starrs-critical-illness-advantage-global-connect-review-2022-access-to-worldwide-treatment) [Critical Illness](https://www.singsaver.com.sg/blog/category/protect-yourself/critical-illness) #### [Starr’s Critical Illness Advantage Global Connect Review (2022): Access to Worldwide Treatment](https://www.singsaver.com.sg/blog/starrs-critical-illness-advantage-global-connect-review-2022-access-to-worldwide-treatment) September 8, 2022 [![Mental Health Insurance: What Insurers Are Doing To Help Heal When You Need It Most](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/Hero-Image-Template-207.png?width=280&name=Hero-Image-Template-207.png)](https://www.singsaver.com.sg/blog/mental-health-insurance-coverage) [Critical Illness](https://www.singsaver.com.sg/blog/category/protect-yourself/critical-illness) #### [Mental Health Insurance: What Insurers Are Doing To Help Heal When You Need It Most](https://www.singsaver.com.sg/blog/mental-health-insurance-coverage) April 29, 2022 ### FINANCIAL TIP: #### Use a personal loan to consolidate your outstanding debt at a lower interest rate\! #### Sign up for our newsletter for financial tips, tricks and exclusive information that can be personalised to your preferences\! ![image-general-logo-dark@3x](https://www.singsaver.com.sg/hs-fs/hubfs/image-general-logo-dark@3x.png?width=256&height=66&name=image-general-logo-dark@3x.png) #### Credit Cards - 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Readable Markdown	When you want protection that goes beyond just covering your medical costs, critical illness insurance is the logical choice. But with so many options out there, which ones are best for you? We investigate in this article. Best Critical Illness Insurance Plans in Singapore on SingSaver [FWD Big 3 Critical Illness](https://singsaver.link/fwd-big3-critical-illness) \\| [GREAT Critical Cover](https://singsaver.link/GE-great-critical-cover) \\| [Tiq 3 Plus Critical Illness](https://singsaver.link/tiq-3-plus-critical-illness) In a nutshell, critical illness insurance is insurance that gives you a lump sum pay-out upon diagnosis of specific critical illnesses. It can be considered as a supplement to health insurance, which covers your medical costs but cannot compensate you for any loss of income. For instance, if you are forced to take time off work or have additional expenses (i.e transport costs to the hospital, health supplements, mental wellness sessions, etc) incurred. That’s where critical illness insurance comes in. Although it is a ‘supplement’, it is a very important one. A Straits Times article based on a LIA survey found that the average Singaporean has a critical illness insurance gap of S\$256,000. That number is essentially the estimated ‘lost earnings’ from having to take time off work to recover from an illness. In short, if you are worried about potentially losing income or savings from contracting a major illness, critical illness insurance should be part of your insurance portfolio. We’ve picked out five plans, with each one being the winner in their respective categories. (Note: We will not be including [cancer insurance](https://www.singsaver.com.sg/blog/critical-things-about-cancer-insurance) plans here. These are ‘critical illness-lite’, having the same structure as a critical illness plan, but only covering cancer. If you’re looking for the top cancer insurance picks, [check out this article instead](https://www.singsaver.com.sg/blog/best-cancer-insurance-plans-singapore).) Critical Illness Insurance Plan Highlights Annual Premium / Promotion [FWD Big 3 Critical Illness](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#fwdbig3) [![](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/Logo-Review-FWD-Travel-Insurance.png?width=150&height=66&name=Logo-Review-FWD-Travel-Insurance.png)](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#fwdbig3) [Apply Now](https://singsaver.link/fwd-big3-critical-illness) Additional S\$20,000 death benefitFull payout for all stages of cancer, Heart Attack of Specified Severity or Stroke with Permanent Neurological Deficit From S\$296.20 \[1\]Use promo code BIG60 to get 60% discount. Valid till 28 February 2026. T\&Cs apply. [GREAT Critical Cover (GCC)](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#gecc) ![](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/1200px-Great_Eastern_logo.svg_-300x117.png?width=250&name=1200px-Great_Eastern_logo.svg_-300x117.png) [Apply Now](https://singsaver.link/GE-great-critical-cover) Full payout for all stages of cancer and 53 critical illnesses Protect Me Again rider to receive additional coverage of 100% lump sum payout for up to three critical illness claims Flexibility in protection against 53 critical illnesses or the top 3 critical illness conditions - cancer, heart attack or stroke. Two plans are available: GREAT Critical Cover: Top 3 CIs and GREAT Critical Cover: Complete S\$646.2 (up to 65), \$1173.60 (up to 85) \[2\] 10% off perpetual discount on GCC premiums [Tiq 3 Plus Critical Illness](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#tiq3plus) [![Tiq\_Etiqa\_LogoLockUp-02-2](https://www.singsaver.com.sg/hs-fs/hubfs/Tiq_Etiqa_LogoLockUp-02-2.png?width=1271&height=899&name=Tiq_Etiqa_LogoLockUp-02-2.png)](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#tiq3plus) [Apply Now](https://singsaver.link/tiq-3-plus-critical-illness) Full payout for all stages of cancer, Heart Attack of Specified Severity or Stroke with Permanent Neurological Deficit Complimentary death benefit coverage of S\$20,000 for insured and up to 4 of the insured’s youngest children Optional Heart and Neurological Rider for greater coverage beyond severe stage heart attacks and strokes Renewable up to age 85 S\$342 \[3\] For a 35-year old non-smoking female with sum assured of S\$100,000, renewable to age 85Use the promo code MULTI60 to get up to 60% off for 1st year premium. Valid till 31 March 2026. T\&Cs apply. [Singlife Comprehensive Critical Illness](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#singlifemyearly) ![Singlife logo](https://www.singsaver.com.sg/hs-fs/hubfs/Singlife%20logo_Horizontal_Red_Transparent-1.png?width=189&height=99&name=Singlife%20logo_Horizontal_Red_Transparent-1.png) Full payouts for all stages of diagnosisAdditional special conditions benefit that can be claimed up to 6 timesBenign and Borderline Malignant Tumour Benefit grants an additional payout upon complete surgical excision (benign) or diagnosis (borderline malignant)Premiums don’t increase with age S\$1,052 \[4\] [AIA Beyond Critical Care](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#aiabeyondcritical) [![aia-logo-962x1024](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/aia-logo-962x1024.png?width=118&height=104&name=aia-logo-962x1024.png)](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#aiabeyondcritical) 104 conditions covered (upon inclusion of riders)100% Refund of Premium benefit refunds you a lump sum upon policy expiryMental well-being benefit covers 5 prominent mental illnesses S\$3,411 \[5\] \[1\] For a 35-year old non-smoking female with sum assured of S\$100,000, renewable to age 85 \[2\] For a 35-year old non-smoking female with sum assured of S\$100,000 \[3\] For a 35-year old non-smoking female with sum assured of S\$100,000 to age 75 \[4\] For a 35-year old non-smoking female with sum assured of S\$100,000, renewable term \[5\] For a 35-year old non-smoking male with sum assured of S\$100,000 to age 85 [FWD Big 3 Critical Illness](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#fwdbig3) [GREAT Critical Cover (GCC)](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#gecc) [Tiq 3 Plus Critical Illness](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#tiq3plus) [Singlife Comprehensive Critical Illness](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#singlifemyearly) [AIA Beyond Critical Care](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#aiabeyondcritical) [4 more bonus CI options](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#5moreciplan) FWD Big 3 Critical Illness – Best basic critical illness plan ![](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/Logo-Review-FWD-Travel-Insurance.png?width=250&name=Logo-Review-FWD-Travel-Insurance.png) If you are looking for something more extensive than cancer insurance, but don’t want to pay the costs associated with most critical illness plans, then FWD’s Big 3 Critical Illness is for you. It is a ‘basic’ plan that only covers Singapore’s [big three killers](https://www.moh.gov.sg/resources-statistics/singapore-health-facts/principal-causes-of-death): cancer, heart attack, and stroke. If you want wider coverage, you can always purchase a rider to cover an additional 24 conditions that affect your brain or heart function. The sum assured starts at S\$50,000 and goes up to S\$200,000. This plan also comes with an additional S\$20,000 death benefit. This policy is offered on a renewable basis until age 85. This means that the premium will increase year on year as you renew, but the good news is that the renewal is guaranteed without further underwriting. That said, keep in mind that this is a basic plan. The heart attack must be of a specified severity and the stroke has to be one that leaves a permanent neurological deficit (A.K.A. brain damage) to qualify for the payout. But if you want something that is bare bones and low cost, this is a good plan for you. On the plus side, it does offer the full payout for all stages of cancer. [Back to top](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#backtotop1) GREAT Critical Cover: Complete (GCC) – Best for multi-pay coverage ![](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/1200px-Great_Eastern_logo.svg_-300x117.png?width=250&name=1200px-Great_Eastern_logo.svg_-300x117.png) Getting a critical illness diagnosis at a younger age is, unfortunately, getting common and can sometimes lead to a recurring 2nd or 3rd diagnosis. Thanks to medical science, with treatment and care, full recovery is a great possibility. Great Eastern’s GREAT Critical Cover offers two options, one offering coverage for the top 3 critical illnesses and the other offering coverage against 53 critical illnesses. What's worth highlighting about this plan is the Protect Me Again rider, which offers 100% payout for up to a total of three critical illness claims. This provides peace of mind during recovery, taking a load off financial concerns. Getting your CI coverage sorted when you are young is one of the best things you can do for yourself. Not only is the premium lower, the fact that you're young and healthy makes you eligible to purchase a CI plan, whereas any change in your health as you get older could potentially make you ineligible for CI plans. If you are looking for an affordable critical illness plan, Great Eastern’s Critical Cover would be a solid shield. To find out more, here's [a full review](https://www.singsaver.com.sg/blog/why-critical-illness-insurance-is-crucial-to-your-financial-planning) of the plan. [Back to top](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#backtotop1) Tiq 3 Plus Critical Illness – Best protection for young dependants ![Tiq\_Etiqa\_LogoLockUp-02-2](https://www.singsaver.com.sg/hs-fs/hubfs/Tiq_Etiqa_LogoLockUp-02-2.png?width=440&height=311&name=Tiq_Etiqa_LogoLockUp-02-2.png) One of the main concerns for a critical illness plan is whether it provides sufficient support for dependents due to the loss of income. For those with young children, Tiq 3 Plus Critical Illness would be an attractive option. The plan covers cancer (all stages), stroke with permanent neurological deficit, and heart attack of specified severity, with the sum assured from S\$30,000 up to S\$300,000. On top of that, it also has a death benefit of S\$20,000 not only for the insured person, but also for four of the insured person’s youngest children. Another unique feature is the Special Conditions Benefit, which provides an additional 20% of the sum insured against Diabetic Complications or Severe Rheumatoid Arthritis (SRA), capped at S\$25,000 per special condition. What makes this plan a good purchase is its affordability. For wider coverage, you can always top-up with a rider to cover an additional 24 conditions that affect your brain or heart functions. This policy is offered on a renewable basis until age 85 and available to apply up to age 70. A comprehensive plan that offers good coverage and support for those with young dependants. Singlife Comprehensive Critical Illness – Best early-stage coverage ![Singlife logo](https://www.singsaver.com.sg/hs-fs/hubfs/Singlife%20logo_Horizontal_Red_Transparent-1.png?width=600&height=314&name=Singlife%20logo_Horizontal_Red_Transparent-1.png) When people think of ‘critical illness’ and ‘[early stage](https://www.singsaver.com.sg/blog/critical-illness-vs-early-critical-illness)’, the first thing that comes to mind is [cancer](https://www.singsaver.com.sg/blog/critical-illness-vs-cancer-insurance). But cancer is not the only critical illness that can be diagnosed early. There are many others: Parkinson’s, multiple sclerosis, and Alzheimer’s are three such examples, and they are all covered under Singlife Comprehensive Critical Illness. This plan covers 132 conditions across various stages of critical illnesses and offers full payouts for early or intermediate-stage diagnoses. On top of that, you can also claim an additional benefit (‘Special Benefit’) of up to S\$25,000 for 27 special conditions – such as angioplasty, severe haemophilia – without reducing your basic sum assured amount. You can claim this special benefit up to six times, as long as each is for a different condition. This policy offers lifetime coverage, up to age 99 (the ‘Special Benefit’ is only up to age 18/85 depending on the medical condition). Furthermore, your premiums won’t increase with age, giving you better visibility when managing your finances. Singlife's Comprehensive Critical Illness has the edge over its predecessor by including two new benefits as well: the Intensive Care Benefit and Benign and Borderline Malignant Tumour Benefit. Both grant payouts are identical to the Special Benefit, which makes things easy to understand. For the former benefit, a payout is made should you be admitted to the Intensive Care Unit for 4 days at least. For the latter, a payout is made either upon a complete surgical excision of a benign tumour with suspected malignancy or diagnosis of a borderline malignant tumour. Starting at approximately S\$88 a month, this plan is competitively priced. And if you want to ensure you can get a cash infusion the moment you are diagnosed with a critical illness – regardless of the stage – this might be ideal for you. [Find out more](https://singlife.com/en/critical-illness-insurance/comprehensive-critical-illness). [Back to top](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#backtotop1) AIA Beyond Critical Care – A holistic critical illness plan ![](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/aia-logo-962x1024.png?width=250&name=aia-logo-962x1024.png) Thus far, we have rated affordability as a strong factor when determining which plans should be included in this list. That makes perfect sense for most – but not for everybody. What about someone whose level of coverage is the most important factor? If that sounds like you, then you should look at AIA’s Beyond Critical Care. This is a pricey plan no doubt, with premiums reaching S\$300 per month should you decide to include riders such as Early Critical Cover Extra and Early Critical Protector Waiver of Premium. However, these just enhance a policy that is already well-rounded and includes benefits that many would find essential today. Firstly, policyholders age 21 years and above are granted a [health screening](https://www.singsaver.com.sg/blog/cost-of-health-screening-in-singapore) benefit of up to S\$200 once every three years. This begins from the fourth policy year onwards and provides additional encouragement for you to schedule regular checkups. Secondly, the policy's pioneering [mental well-being](https://www.singsaver.com.sg/blog/mental-health-insurance-coverage) benefit allows you to make a maximum of five claims up to age 75. Five mental illnesses are covered by this benefit, including Obsessive Compulsive Disorder and Major Depressive Disorders. Each claim is capped at S\$50,000 and there is a waiting period of 3 years between each one. Additionally, there is a limit of S\$150,000 for mental health claims across all AIA policies. If you require a critical illness plan that is an all-rounder, AIA's Beyond Critical Care is the one for you. And despite its higher premiums, do note that a 100% refund will be paid out upon policy expiry, less any claims made of course. [Find out more](https://www.aia.com.sg/en/our-products/critical-illness-protection/aia-beyond-critical-care.html). [Back to top](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#backtotop1) 4 more plans worth a critical look Since August 2020, the [definitions of critical illnesses have been changed](https://www.singsaver.com.sg/blog/changes-to-critical-illness-definition) to express the coverages more clearly. While current policyholders are not impacted by this latest development, it has certainly drummed up interest by individuals who are yet to be covered by such plans. Here are five more critical illness plans for you to consider, in case you need to cast a wider net in terms of conditions or stages covered. Plan Highlights Annual Premium [TM Multicare](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#tmmulticare) [![](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/Logo-Tokio-Marine.png?width=161&height=92&name=Logo-Tokio-Marine.png)](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#tmmulticare) 10 Special Conditions and 10 Juvenile Conditions coverageMaximum payout can be up to 900% of Sum AssuredDeath Benefit is 10% of sum assured, unlike other plans which offer a fixed nominal payout Not stated on the website Singlife Multipay Critical Illness [![Singlife Logo - Red on White - Horizontal](https://www.singsaver.com.sg/hs-fs/hubfs/Singlife%20Logo%20-%20Red%20on%20White%20-%20Horizontal.png?width=600&height=200&name=Singlife%20Logo%20-%20Red%20on%20White%20-%20Horizontal.png)](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#singlifemymultipay) Maximum Payout up to 900% of Sum AssuredReceive additional 20% of Sum Assured under Intensive Care BenefitReceive additional 100% of Sum Assured upon first Severe Stage Critical Illness benefit claim under Advance Care Option Benefit S\$1,187 per year \[1\] [Manulife's CI FlexiCare](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#manulifecompletecare) [![](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/Manulife.jpeg?width=250&name=Manulife.jpeg)](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#manulifecompletecare) Covers up to 126 critical illnesses including intermediate and advanced stages Free coverage for your childCovers 23 special CI conditions, up to S\$25,000, up to 6 claimsOpt for the Cover Me Again Booster Rider to claim up to 4 times for another CI condition and up to 2 times for a repeated Advanced Stage CI condition Not stated on the website [PruActive Protect](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#pruactiveprotect) [![](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/Prudential-logo-1024x463.png?width=250&name=Prudential-logo-1024x463.png)](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#pruactiveprotect) Coverage up to age 100Highly customisable, with up to 6 benefits that can be added onAffordable premiums due to policy's modular nature S\$451.92 \[2\] \[1\] For a 35-year old non-smoking male with sum assured of S\$100,000 and policy term of 30 years \[2\] For a 24-year old non-smoking female with sum assured of S\$100,000 and policy term of up to age 85 [TM Multicare](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#tmmulticare) [Singlife’s Multipay Critical Illness](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#singlifemymultipay) [Manulife’s Ready CompleteCare](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#manulifecompletecare) [PRUActiveProtect](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#pruactiveprotect) TM Multicare: Highest early stage critical illness payout ![](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/Logo-Tokio-Marine.png?width=250&name=Logo-Tokio-Marine.png) Oftentimes, the earlier a disease is diagnosed, the higher the chances of it being cured or successfully managed. With this lump sum payout, you have more options open if you are diagnosed with an early stage illness, such as seeking alternative medical treatments or deciding to take time off work to focus on recovery. TM Multicare also offers decent coverage for intermediate and advanced stages of CI. Covering 109 different stages of CIs, there are multiple payouts for early, intermediate and advanced stage critical illnesses, with a total payout of up to 900% of the sum assured. It also boasts additional coverage for 10 special conditions and 10 juvenile conditions –– such as osteoporosis and severe hemophilia –– with up to 20% coverage (capped at S\$25,000). It is important to note that the claim structure of TM Multicare can be quite complex. While a payout of 900% is possible, there are multiple restrictions, such as waiting periods between claims and limitations on the number of claims that can be made per category of CI. Additionally, the plan has grouped cancer and illness related to other major organs in the same category, which could be limiting. The protection term is also relatively inflexible, only offering coverage till ages 70, 75, or 85. This plan is pricier than many others, including those on this list. However, it also comes out on top in terms of highest early stage CI payout, with up to two claims and no waiting period in between. This makes it an excellent choice for individuals who go for regular checkups. [Find out more](https://www.tokiomarine.com/sg/en/life/products/personal/protect/critical-illness-insurance/tm-multicare.html) [Back to top](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#backtotop2) Singlife Multipay Critical Illness: Payout at any stage of critical illness ![Singlife Logo - Red on White - Horizontal](https://www.singsaver.com.sg/hs-fs/hubfs/Singlife%20Logo%20-%20Red%20on%20White%20-%20Horizontal.png?width=600&height=200&name=Singlife%20Logo%20-%20Red%20on%20White%20-%20Horizontal.png) We’ve covered multi-pay critical illness plans before, and we found another one that managed to impress us. Multi-pay plans are essentially plans that allow you to make multiple claims, therefore receiving more than one payout. If you’re looking for a long-term plan to take on the financial burden of CIs, particularly recurring ones, this might be the one for you. This Singlife plan was designed to protect policyholders by giving them the option of making multiple claims for conditions across different stages as well as recurring critical illnesses. With 132 conditions and recurrence of 6 specified critical illnesses, including recurrent heart attack of specified severity and repeated coronary artery by-pass surgery, covered, you get up to 900% of sum assured. In addition, you can opt for the Advance Care Option to convert your recurrent critical illness benefit to an extra 100% of sum assured. However, once you exercise this Advance Care Option, the recurrent critical illness benefit will cease. You will also receive an additional 20% of sum assured upon a complete surgical excision of a benign tumour (suspected malignancy), or upon diagnosis of a borderline malignant tumour, with a cap of S\$25,000 per life. This is under the Benign and Borderline Malignant Tumour Benefit. The Intensive Care Benefit also allows you to receive an additional 20% of sum insured with a cap of S\$25,000 per life. Coverage term ranges from 10 years to a maximum age of 99 years. It also comes with a death benefit – a lump sum payout of S\$5,000. Do note that while there are multiple benefits, there are restrictions that can trigger the ceasing of the aforementioned benefits. In addition, there is a cap on how many times claims can be made for different categories of conditions. For instance, both the tumour and intensive care benefit can only be claimed once. Overall, this plan is a decent safety net for you as it ensures that you get multiple cash infusions no matter which stage of CI you are diagnosed at. [Find out more](https://singlife.com/en/critical-illness-insurance/multipay-critical-illness). [Back to top](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#backtotop2) Manulife's CI FlexiCare: Multiple claims and full premium refund ![](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/Manulife.jpeg?width=250&name=Manulife.jpeg) Here’s another plan that allows you to make more than one claim while staying flexible. Manulife’s CI FlexiCare covers a decent range of 126 conditions and critical illnesses for all stages up to S\$250,000, 100% of the basic sum insured. In addition, it also covers an extra 23 special conditions for up to six claims (bearing in mind that each condition can only be claimed once), each claim can allow up to S\$25,000 in payout. In the event advance stage critical illness occurs to your child, an additional amount of S\$10,000 will be paid out. This does not reduce your total sum assured. The plan also allows you to choose from 4 coverage terms — to age 65, 75, 85 and 99. Because of the nature of this plan, the claim structure may be a little tricky to understand. This plan separates its coverage into the basic core coverage and a ‘Cover Me Again’ coverage, which allows you to restart your coverage after you have made a claim. Basically, under this option, after receiving payout(s), your coverage continues for up to 4 times for other critical illnesses and up to 2 times for repeated advanced stage CI condition (for top 6 recurring conditions). Coverage will be restarted to 100% of basic sum insured after 12 claim-free months from the last critical illness claim. This is subject to a maximum payout of 500% of basic sum insured. Under the ‘Cover Me Again’ option, you also receive 200% of sum insured for six major advanced stage critical illnesses, and 100% of sum insured (capped at 200%) for subsequent advanced stage major cancer conditions, courtesy of the recurring cancer benefit. Manulife’s monthly premiums are pretty competitive too. If you are able to get past the complex claim structure, its comprehensive coverage and flexible add-ons like could just make it the right plan for you. [Find out more](https://www.manulife.com.sg/en/solutions/health/critical-illness/ready-complete-care.html). [Back to top](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#backtotop2) PRUActive Protect: Highly customisable to suit your needs ![](https://www.singsaver.com.sg/hs-fs/hubfs/assets_singsaver/Prudential-logo-1024x463.png?width=250&name=Prudential-logo-1024x463.png) Insurance coverage, like our lives, should never be static. Your needs evolve at every life stage and your coverage should increase and decrease alongside your number of dependents. Prudential recognises this, and its PRUActive Protect critical illness plan is highly customisable to ensure that coverage is always sufficient. Although the base plan only covers 37 critical illnesses such as Alzheimer's Disease and end-stage liver failure, remember that you're given the option to boost coverage throughout your policy's term. Supplementary benefits that can be tacked on include Early Protect (grants coverage against early-stage critical illnesses) and Life Protect Plus (additional lump sum payout upon death for up to 100% of your basic critical illness coverage). The policy term itself is customisable as well, ranging from 10 to 99 years. And if you're a parent and purchase this policy alongside your spouse, you'll be glad to know that you children receive a complimentary Child Cover Benefit. This protects them against 36 critical illnesses and 9 juvenile conditions. [Find out more](https://www.prudential.com.sg/products/health-insurance/critical-illness/pruactive-protect). [Back to top](https://www.singsaver.com.sg/blog/best-critical-illness-insurance-singapore#backtotop2) An ounce of prevention is worth a pound of cure Similarly, a dollar of protection could be worth a hundred in costs. Don’t underestimate the havoc a critical illness can wreak on your finances – even if all your medical costs are covered. Opportunity costs from potentially lost income must be factored in as well, making critical illness insurance a wise choice, especially given the S\$256,000 critical illness protection gap. Protected up to specified limits by SDIC. Note: This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future healthcare needs. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy. Read these next: [Critical Illness vs Cancer Insurance Plans: A Critical Comparison](https://www.singsaver.com.sg/blog/critical-illness-vs-cancer-insurance) [Critical Illness Plans vs Early Critical Illness Plans: Which Should You Get](https://www.singsaver.com.sg/blog/critical-illness-vs-early-critical-illness) [Changes to Definition of ‘Critical Illness’ in Life Insurance Policies](https://www.singsaver.com.sg/blog/changes-to-critical-illness-definition) [5 Best Cancer Insurance Plans In Singapore](https://www.singsaver.com.sg/blog/best-cancer-insurance-plans-singapore)[5 Critical Things You Need to Know About Cancer Insurance](https://www.singsaver.com.sg/blog/critical-things-about-cancer-insurance) [Singapore Budget 2023 Preview: What To Look Out For](https://www.singsaver.com.sg/blog/singapore-budget-2023)
Shard	177 (laksa)
Root Hash	1354253889108504977
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