In today's world, health concerns are more prevalent than ever. Did you know that 1 in 3 Singaporeans have high blood pressure, and 1 in 10 are diabetic ? Even more alarming, 50% of heart attack patients have diabetes, and 43 people are diagnosed with cancer daily in Singapore . These statistics highlight the importance of having robust critical illness coverage. If you're looking for a plan that offers protection even with pre-existing conditions, Singlife Essential Critical Illness might be the solution you've been searching for.
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Singlife Essential Critical Illness is a comprehensive critical illness plan designed to provide financial protection against a wide range of severe health conditions . What sets it apart is its inclusivity - it offers coverage even to those with certain pre-existing health conditions, making it a unique option in the insurance market.
Covers individuals with Type 2 Diabetes, Pre-diabetes, high blood pressure, high cholesterol, or high Body Mass Index
Choose a policy term that suits your needs, from 15 years up to age 85
Just 6 questions to answer. No medical check-up required for most applicants
Extra 20% of Sum Assured payout for 4 specific diabetic conditions
10% of Sum Assured (up to S$25,000) for Angioplasty & Other Invasive Treatments For Coronary Artery
Receive a lump sum upon diagnosis of a covered Critical Illness, Total and Permanent Disability, Terminal Illness, or death
Get back 20% of total premiums paid if no claims are made during the coverage period
This plan covers a comprehensive list of health conditions:
Major Cancer
Heart Attack of Specified Severity
Stroke with Permanent Neurological Deficit
Blindness (Irreversible Loss of Sight)
Coronary Artery By-pass Surgery
End Stage Kidney Failure
Other Serious Coronary Artery Disease
End Stage Lung Disease
Irreversible Loss of Speech
Major Burns
Deafness (Irreversible Loss of Hearing)
Major Head Trauma
Severe Bacterial Meningitis
Angioplasty & Other Invasive Treatment For Coronary Artery
Coma due to Hyperosmolar Hyperglycemic State (HHS)
Limb Amputation due to Diabetic Complications
Diabetic Nephropathy
Diabetic Ketoacidosis
These examples illustrate how the plan can benefit both those who need to make claims and those who stay healthy throughout the policy term.
The cost of Singlife Essential Critical Illness depends on various factors, including:
For example:
It's important to note that premiums are customized based on your existing health conditions, and you'll know the exact cost upfront.
Covers individuals with certain pre-existing conditions
Comprehensive coverage for critical illnesses and diabetic conditions
Flexible policy terms
Easy application process
Additional payouts for specific conditions
No Claim Reward
Premiums may be higher for those with pre-existing conditions
Coverage amount may be reduced after certain claims
Not all pre-existing conditions may be covered
You should discuss your specific health conditions with a Singlife representative to determine eligibility.
If you don't make any claims during your policy term, you'll receive 20% of your total premiums paid at the end of the term.
You should check with Singlife about options for adjusting your coverage after purchase.
The plan will pay out based on the conditions diagnosed, subject to the overall Sum Assured and specific benefit limits.
While the brochure doesn't specify an upper age limit, it's best to check with a Singlife representative for specific age restrictions.
Singlife Essential Critical Illness offers a unique proposition in the critical illness insurance market. By providing coverage even to those with certain pre-existing conditions, it fills a crucial gap for many Singaporeans who might otherwise struggle to find comprehensive protection. Its flexible terms, easy application process, and additional benefits make it an attractive option for those looking to safeguard their financial future against the impact of critical illnesses.
However, as with any insurance decision, it's important to carefully consider your personal health situation, financial goals, and risk tolerance before making a choice. While this plan offers many benefits, it's crucial to understand the specific terms, conditions, and exclusions that may apply to your situation.
Ready to explore your critical illness coverage options further? Don't rely on just one perspective. Get expert insights tailored to your unique health profile and needs. Sign up now to receive 5 expert opinions on critical illness insurance that covers pre-existing conditions. 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 health journey. Don't leave your protection to chance – get the expert advice you deserve today.
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Compare other critical illness options to find the best coverage for your needs
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Singlife Cancer Cover Plus II offers a powerful shield against the financial impact of cancer, with a standout feature that sets it apart. This plan provides up to S$1.5M in annual coverage for cancer treatments worldwide, giving you the freedom to seek the best care possible, no matter where it's available. With such comprehensive global protection, you can focus on recovery while safeguarding your family's financial future.
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Singlife Multipay Critical Illness offers an exceptional level of protection with its impressive feature of up to 900% sum assured payout. This innovative plan not only safeguards you but also extends coverage to your parents, providing a comprehensive shield for your family's health. With such a generous payout potential and multi-generational coverage, Singlife Multipay Critical Illness stands out as a unique solution in the critical illness insurance landscape.
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AIA Beyond Critical Care goes beyond traditional critical illness coverage by addressing an often overlooked aspect of health: mental well-being. With mental health coverage up to S$50,000, this plan recognizes the importance of holistic care during challenging times. This unique feature sets AIA Beyond Critical Care apart, offering comprehensive support for both physical and mental health needs when you need it most.
AIA Diabetes Care goes beyond typical coverage, offering a thoughtful approach to diabetes-related complications. One standout feature is the 20% extra payout for diabetes-related limb amputation, demonstrating AIA's understanding of the specific challenges faced by those with diabetes. This specialized plan shows a commitment to providing comprehensive support for diabetes management and its potential long-term effects.
AIA Glow of Life stands out with its exceptional coverage for women's health concerns. One of its most remarkable features is the 100% payout for female cancers, providing crucial financial support during challenging times. This comprehensive plan goes above and beyond to address the unique health needs of women, offering peace of mind and tailored protection.
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