Critical Illness Insurance Comparison
Find and compare the best critical illness insurance plans in Singapore
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Compare basic coverage and prices from top critical illness insurance providers in Singapore
| Insurance Provider | Annual Premium | Coverage Amount | Early Stage Coverage | Reset Benefit | Multiple Claims | Promotion | |
|---|---|---|---|---|---|---|---|
 AIA ★★★★★ | $2,880/year | S$500,000 | S$250,000 | Yes | Up to 3 claims | Free health screening | Get Quote |
 Singlife ★★★★★ | $3,100/year | S$600,000 | S$300,000 | Yes | Up to 5 claims | Premium waiver benefit | Get Quote |
 Tokio Marine ★★★★★ | $2,650/year | S$400,000 | S$200,000 | No | Single claim | First year discount | Get Quote |
 HSBC ★★★★★ | $2,950/year | S$550,000 | S$275,000 | Yes | Up to 3 claims | Mental health coverage | Get Quote |
Detailed Comparison
Compare detailed features and benefits of our recommended critical illness insurance plans
Compare Critical Illness Insurance Plans
Find the best critical illness insurance plan for your needs. Compare coverage, benefits, and prices from top insurers in Singapore.
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Recommended
AIA ★★★★★ $2,880/year For age 35, non-smoker | Singlife ★★★★★ $3,100/year For age 35, non-smoker | Tokio Marine ★★★★★ $2,650/year For age 35, non-smoker | |
|---|---|---|---|
| Coverage Amount Maximum payout for critical illness | S$500,000 | S$600,000 | S$400,000 |
| Early Stage Coverage Coverage for early stage critical illnesses | S$250,000 | S$300,000 | S$200,000 |
| Reset Benefit Coverage resets after a claim | ✓ | ✓ | ✗ |
| Multiple Claims Number of claims allowed | Up to 3 claims | Up to 5 claims | Single claim |
| Premium Waiver Waiver of future premiums | ✓ | ✓ | ✓ |
| Death Benefit Payout upon death | S$50,000 | S$60,000 | S$40,000 |
| Recovery Support Additional support during recovery | ✓ | ✓ | ✗ |
| Rehabilitation Benefit Coverage for rehabilitation expenses | ✓ | ✓ | ✗ |
| Premium Payment Term Duration of premium payments | 20 years | 25 years | 20 years |
| Coverage Term Duration of coverage | Lifetime | Lifetime | Up to age 75 |
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| Get Quote | Get Quote | Get Quote |
How to Compare Critical Illness Insurance Plans
- ✓ Check coverage for early and late stage illnesses
- ✓ Compare reset and multiple claim benefits
- ✓ Review premium payment terms
- ✓ Consider additional benefits like recovery support
- ✓ Evaluate claim settlement process
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Frequently Asked Questions
What illnesses are covered under critical illness insurance in Singapore?
Singapore's Life Insurance Association (LIA) standardizes coverage for 37 critical illnesses, including major cancers, heart attack, stroke, kidney failure, and major organ transplants. Some insurers offer coverage for additional conditions or early-stage critical illnesses.
How is critical illness insurance different from health insurance?
While health insurance covers medical expenses, critical illness insurance provides a lump sum payout upon diagnosis of covered conditions. This payout can be used for any purpose - medical costs, living expenses, or lifestyle adjustments, providing financial flexibility during recovery.
When should I buy critical illness insurance?
It's advisable to buy critical illness insurance early when you're younger and healthier, as premiums are lower and you're more likely to qualify for coverage. In Singapore's context, many financial advisors recommend getting coverage by age 35.
How much critical illness coverage do I need in Singapore?
Financial experts in Singapore typically recommend coverage of 3-5 times your annual income. Consider factors like outstanding debts, family obligations, recovery period, and potential loss of income. The coverage should be sufficient to maintain your lifestyle during recovery.
Can I claim multiple times on my critical illness insurance?
This depends on your policy type. Single-pay policies terminate after one claim, while multi-pay policies allow multiple claims for different conditions or recurrence. Some newer plans in Singapore offer reset features that restore coverage after a claim.
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Compare Critical Illness Plans