In Singapore, the rising incidence of critical illnesses is a growing concern. Did you know that every day, 36 people are diagnosed with cancer? Or that 1 in 6 Singaporeans will have a stroke in their lifetime? These statistics highlight the importance of being prepared for critical illnesses. If you're looking for a comprehensive critical illness plan that covers you from the earliest stages, TM EarlyCover by Tokio Marine Life Insurance Singapore might be the solution you've been searching for.
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TM EarlyCover is a regular premium, non-participating plan designed to provide financial support upon diagnosis of various medical conditions, even at early stages. This plan covers 129 medical conditions, including critical illnesses at different stages of severity, special conditions, and juvenile conditions. It offers coverage up to age 70, 75, or 85, depending on your choice.
Covers early, intermediate, and advanced stages of critical illnesses . Includes 10 special conditions and 10 juvenile conditions.
Up to S$350,000 coverage for early stage critical illnesses
Starting from as little as S$1* a day
Future premiums are waived upon first successful claim of an early or intermediate stage critical illness
Lump sum payout of S$20,000 upon death
Coverage available up to age 85
The plan covers a total of 40 critical illnesses at the advanced stage, with many of these also covered at early and intermediate stages. Some of the covered conditions include:
Special Conditions covered include:br>- Angioplasty and Other Invasive Treatment for Coronary Arterybr>- Breast Reconstructive Surgery following a Mastectomybr>- Severe Rheumatoid Arthritisbr>- Diabetic Complications
Juvenile Conditions covered include:br>- Kawasaki Diseasebr>- Severe Haemophiliabr>- Insulin Dependent Diabetes Mellitusbr>- Type I Juvenile Spinal Amyotrophy
Early Stage: Up to S$350,000 br>Intermediate Stage: Up to S$350,000br>Advanced Stage: 100% of sum assured (up to S$2.5 million per life)
Additional 20% of sum assured (capped at S$25,000) for each of 10 special conditions. Maximum of 5 claims allowed.
Additional 20% of sum assured (capped at S$25,000) for each of 10 juvenile conditions. Maximum of 5 claims allowed. Available up to age 19 of the life assured.
Lump sum of S$20,000 while the policy is in force
The cost of TM EarlyCover depends on factors such as your age, gender, smoking status, sum assured, and policy term. For example, a 40-year-old female non-smoker can get coverage of S$30,000 up to age 70 for as little as S$1 per day.
It's important to note that premium rates for TM EarlyCover are non-guaranteed. Tokio Marine Life Insurance Singapore reserves the right to revise the premium rate based on future experience by giving 30 days' written notice.
Sum assured: S$800,000, coverage till age 75 - Age 36: Early stage stroke, receives S$350,000br>- Age 39: Intermediate stage stroke, receives S$350,000br>- Age 42: Advanced stage stroke, receives S$100,000br>b>Total payout: S$800,000 br>Future premiums waived after first claim
Sum assured: S$100,000, coverage till age 70 - Age 5: Kawasaki Disease (juvenile condition), receives S$20,000br>- Age 42: Early stage kidney failure, receives S$100,000br>b>Total payout: S$120,000
Sum assured: S$1,000,000, coverage till age 85 - Age 44: Early stage breast cancer, receives S$350,000br>- Age 49: Intermediate stage cancer + mastectomy, receives S$375,000br>- Age 58: Osteoporosis (special condition), receives S$25,000br>- Age 67: Advanced stage heart attack, receives S$300,000br>b>Total payout: S$1,050,000 br>Future premiums waived after first claim
Comprehensive coverage for multiple stages of critical illnesses
High coverage for early stage conditions
Additional coverage for special and juvenile conditions
Premium waiver benefit after first early or intermediate stage claim
Long-term protection available (up to age 85)
Affordable premiums
Premium rates are not guaranteed and may increase
Maximum claim limits for special and juvenile conditions
Coverage reduces by 50% after age 81 for most benefits
Yes, you can enhance your coverage with optional riders such as Payer Benefit Rider, Enhanced Payer Benefit Rider, Spouse Rider, or Enhanced Spouse Rider.
You can make multiple claims under this plan, subject to the maximum limits for each stage and condition.
The policy documents will specify any waiting periods that apply to specific conditions.
Like most insurance policies, there are exclusions. You should refer to the policy documents for a full list of exclusions.
You should check with Tokio Marine about options for adjusting your coverage after purchase.
TM EarlyCover offers a comprehensive solution for those seeking protection against critical illnesses from the earliest stages. With its high coverage for early stage conditions, additional benefits for special and juvenile conditions, and premium waiver feature, it provides robust financial support when you need it most. The plan's flexibility in terms of coverage duration and optional riders allows you to tailor it to your specific needs.
However, as with any insurance decision, it's important to carefully consider your personal health risks, financial situation, and long-term needs before making a choice. The non-guaranteed premium rates and potential for increases over time should also be factored into your decision.
Remember, the best insurance plan is one that provides you with peace of mind and fits your specific circumstances. If you're considering TM EarlyCover or any other critical illness plan, it's always wise to consult with a financial adviser who can provide personalized recommendations based on your unique situation.
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