In today's world, where medical advancements have significantly improved survival rates for critical illnesses, it's more important than ever to have a financial safety net that supports you through all stages of recovery. Great Eastern's Critical Care Advantage is designed to do just that, offering comprehensive coverage that starts from the earliest stages of critical illness detection. Let's dive deep into what this plan offers and how it can benefit you.
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Critical Care Advantage is a critical illness insurance plan that provides coverage across three stages of illness - early, intermediate, and critical . Unlike traditional critical illness plans that only pay out at advanced stages, this plan offers financial support from the moment an illness is detected, giving you a crucial early advantage in your recovery journey.
Covers up to 85 medical conditions across 37 different critical illnesses . Provides payouts at Early, Intermediate, and Critical stages.
Up to S$300,000 for Early and Intermediate stages combined . Total coverage of up to S$3 million .
Additional coverage for 7 Special Benefits, with payouts up to S$185,000 .
Policy terms up to age 85. Entry age from 1 to 65 years old. Coverage from S$50,000 to S$3 million. Premiums start from as low as S$172.55 per month .
Multiple claims allowed across different illnesses or stages.
Only 7 days , one of the shortest in the market.
Early Stage: 100% of sum assured (capped at S$100,000) b>Intermediate Stage: 100% of sum assured (capped at S$200,000) b>Critical Stage: 100% of sum assured
Includes Diabetic Complications, Severe Rheumatoid Arthritis, Severe Osteoporosis with Fractures, Severe Dengue Haemorrhagic Fever, Systemic Lupus Erythematosus, Crohn's Disease, and Cancer Recovery. Each pays out 25% of sum assured, capped at S$25,000 (except Cancer Recovery).
The plan covers 37 critical illnesses , including Major Cancers, Heart Attack, Stroke, Kidney Failure, Major Organ Transplantation, Alzheimer's Disease, Parkinson's Disease, and Multiple Sclerosis.
Let's consider a hypothetical scenario to understand how Critical Care Advantage works in practice. Imagine you've purchased a policy with a sum assured of S$500,000 .
1st Claim: Severe Dengue Haemorrhagic Fever (Special Benefit)br>Payout: S$25,000br>Remaining Coverage: S$500,000
2nd Claim: Early Stage Major Cancerbr>Payout: S$100,000br>Remaining Coverage: S$400,000br>Benefit: All future premiums are waived
3rd Claim: Cancer progresses to Intermediate Stagebr>Payout: S$200,000br>Cancer Recovery Benefit: S$10,000br>Remaining Coverage: S$200,000
4th Claim: Cancer reaches Critical Stagebr>Payout: S$200,000br>Cancer Recovery Benefit: S$25,000br>Policy Terminates
Total Payout: S$560,000 on a S$500,000 policy
The plan's early-stage payouts allow you to seek treatment promptly, potentially improving your chances of recovery.
With 85 medical conditions covered across 37 critical illnesses, you're protected against a wide range of health risks.
The ability to claim multiple times without waiting periods ensures continuous financial support throughout your recovery journey.
Starting from just S$172.55 per month, the plan offers extensive coverage at an accessible price point.
With policy terms available up to age 85, you can secure long-lasting protection.
While Critical Care Advantage offers comprehensive protection, it's important to consider:
Great Eastern's Critical Care Advantage offers a comprehensive and flexible approach to critical illness protection. By providing coverage from the earliest stages of illness detection and offering multiple claim options, it aims to give you the financial support needed to focus on recovery. However, as with any insurance decision, it's crucial to carefully consider your personal needs, budget, and existing coverage before making a choice.
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