Complete Critical Protect
We analysed Complete Critical Protect docs so you don't have to. Key find: Covers 158 conditions with up to 200% sum assured. Protect your parents too. See our full review for more insights.
Did you know that 44 people are diagnosed with cancer every day in Singapore ? Or that 1 in 4 people may develop cancer in their lifetime ? These sobering statistics highlight the importance of being prepared for the unexpected. If you're looking for a comprehensive cancer protection plan, Complete Cancer Care by Income might be the solution you've been searching for.
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Complete Cancer Care is a term life insurance plan designed to provide continuous support throughout the cancer journey, from diagnosis to recovery . It offers coverage for early, intermediate, and advanced stage major cancer, along with additional benefits to help ease the financial burden of cancer treatment.
Choose between two lump sum payout options: Care 50 and Care 100
Future premiums are waived for a specified period upon diagnosis of major cancer
Receive monthly payouts for up to 24 months to help with cancer treatment expenses
10% of the sum assured for hospice and palliative care
Option to renew your policy every 10 years, up to age 84
Protection in the event of accidental and non-accidental death
First in Singapore to offer the option to purchase a new term plan for extra coverage upon diagnosis of advanced stage major cancer
Care 50: Early or Intermediate Stage: 50% of sum assured. Advanced Stage: 50% of sum assured (if early/intermediate stage claim was paid) or 100% of sum assured (if no previous claim). Care 100: Early or Intermediate Stage: 100% of sum assured. Advanced Stage: 100% of sum assured (if no previous claim).
Care 50: Premiums waived for up to 60 months or till end of policy term (whichever is earlier) for early/intermediate stage; waived till end of policy term for advanced stage. Care 100: Premiums waived till end of policy term for any stage.
Receive monthly payouts to help with cancer treatment costs: Early or Intermediate Stage: Up to 12 months. Advanced Stage: Up to 24 months. Care 50: 0.5% of sum assured per month. Care 100: 1% of sum assured per month.
10% of sum assured upon admission to an inpatient hospice palliative care facility or engagement of home/day palliative care services
Accidental Death: Up to 100% of sum assured. Non-accidental Death: $5,000 (before age 60) or $10,000 (age 60 and above)
The coverage amount depends on your chosen sum assured. For example, if you choose a sum assured of $100,000:
The premiums for Complete Cancer Care depend on factors such as your age, smoking status, and chosen sum assured. For example:
Remember, these premiums are not guaranteed and may increase upon policy renewal.
Jane, 45, is diagnosed with early-stage breast cancer: She receives a lump sum payout of $150,000 (Care 100). Her future premiums are waived till the end of the policy term. She receives $1,500 monthly for 12 months to help with treatment expenses.
Mr. Tan, 60, is diagnosed with advanced-stage lung cancer: He receives a lump sum payout of $100,000 (Care 50). His future premiums are waived till the end of the policy term. He receives $500 monthly for 24 months to help with treatment expenses. Upon admission to hospice care, he receives an additional $10,000.
After being diagnosed with advanced-stage cancer, a policyholder can choose to purchase a new term plan with death, terminal illness, and total and permanent disability (TPD) coverage, without further health assessment.
Even if you have non-cancer related medical conditions like diabetes or hypertension, you may still be eligible for coverage.
This first-in-Singapore feature allows you to purchase a new term plan after an advanced stage cancer diagnosis, ensuring continued protection.
The Monthly Cancer Therapy Benefit covers various treatments including cell, tissue or gene therapy, chemotherapy, hormonal therapy, immunotherapy, radiotherapy, and targeted therapy.
With guaranteed renewal every 10 years, you can potentially be covered up to age 84.
Comprehensive cancer coverage from early to advanced stages
Premium waiver upon cancer diagnosis
Monthly payouts to help with treatment expenses
Hospice care benefit
Guaranteed renewal option
Potential coverage for those with pre-existing conditions
Unique post-cancer cover option
Premiums may increase upon renewal
90-day waiting period for cancer coverage
Limited to cancer-specific coverage (not a comprehensive health insurance plan)
Yes, coverage may be provided even for those with existing non-cancer related medical conditions.
Yes, there's a 90-day waiting period from the cover start date.
The plan option (Care 50 or Care 100) must be selected at policy inception and cannot be changed later.
The plan doesn't cover cancer symptoms, investigations, or diagnoses that occur before or within 90 days from the cover start date.
Contact Income as soon as possible after the cancer diagnosis. They will guide you through the claim process.
Complete Cancer Care offers a comprehensive solution for those seeking protection against the financial impact of cancer. With its flexible payout options, premium waiver benefit, and unique features like the guaranteed post-cancer cover option, it provides support throughout the entire cancer journey. However, as with any insurance decision, it's important to carefully consider your personal needs and financial situation before making a choice.
Remember, the best insurance is the one that gives you peace of mind and fits your specific circumstances. If you're considering Complete Cancer Care or any other cancer protection plan, it's always wise to consult with a financial advisor who can provide personalized recommendations based on your unique situation.
Ready to explore your options further? Don't rely on just one perspective. Get expert insights tailored to your unique needs. Sign up now to receive 5 expert opinions on cancer protection insurance. These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your needs. Don't leave your protection to chance – get the expert advice you deserve today.
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