Cancer is a word that strikes fear into the hearts of many. Did you know that in Singapore, cancer is the number one killer? While medical advancements have improved survival rates, the financial burden of cancer treatment remains a significant concern. That's where #go TotalProtect Cancer comes in - a unique insurance plan designed to provide total protection and peace of mind in the face of this challenging disease.
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#go TotalProtect Cancer is an innovative term insurance plan offered by Tokio Marine Life Insurance Singapore Ltd. It's specifically designed to provide comprehensive financial protection against cancer, covering various stages of the disease and offering multiple payouts to support your journey from diagnosis through treatment and recovery.
Covers early, intermediate, and advanced stage cancer . Provides additional payouts for newly diagnosed advanced stage cancer or cancer that has spread, persisted, or recurred.
Includes payouts for ICU admission (up to S$50,000). Covers Cancer Supportive Therapy, including mental illness and pain management treatments (up to S$5,000 per year, capped at S$25,000).
Provides monthly income supplement for 25 months . Offers the highest potential payout in the industry - up to 475% of Sum Assured.
Coverage term up to age 75.
Early Stage Cancer: 100% of Sum Assured br>Intermediate Stage Cancer: 100% of Sum Assuredbr>Advanced Stage Cancer: 100% of Sum Assured
Two additional payouts of 100% Sum Assured each for advanced stage cancer that persists, spreads, or recurs
50% of Sum Assured (capped at S$50,000) if admitted to ICU for at least 5 consecutive days due to cancer complications
Reimbursement of up to S$5,000 per year (capped at S$25,000) for Cancer Supportive Therapy, including mental illness and pain management treatments
S$2,000 monthly income for 25 months upon diagnosis of advanced stage cancer
The coverage amount depends on the Sum Assured you choose. For example, with a Sum Assured of S$100,000, you could potentially receive total payouts of up to S$475,000 . This includes:
The premium for #go TotalProtect Cancer varies based on factors such as your age, gender, smoking status, and the Sum Assured you choose. As an example, for a 30-year-old female non-smoker with a Sum Assured of S$100,000 and coverage until age 75, the annual premium would be S$1,023.
Let's consider a hypothetical case to understand how #go TotalProtect Cancer works:
Amy, a 30-year-old professional, takes up a #go TotalProtect Cancer policy with a Sum Assured of S$100,000. Her journey with the policy might look like this:
Age 42: Diagnosed with Early Stage Breast Cancer
Age 48: Diagnosed with Advanced Stage Cervical Cancer
Age 55: Diagnosed with Advanced Stage Lung Cancer
Age 57: Lung Cancer persists for more than 2 years
In this scenario, Amy would receive a total payout of S$475,000 - 475% of her initial Sum Assured.
Comprehensive coverage for various cancer stages
Multiple payouts possible, up to 475% of Sum Assured
Includes coverage for ICU admission and supportive therapies
Provides monthly income benefit during recovery
Long-term coverage (up to age 75)
Premiums are not guaranteed and may increase
Only covers cancer-related conditions
Early termination may result in financial loss
You should disclose your family history during the application process. The insurer will assess your application based on the information provided.
The plan allows for multiple payouts , so you could potentially claim for different cancer diagnoses, subject to the policy terms and conditions.
You should consult with a tax professional regarding the tax implications of insurance payouts.
Like most insurance policies, there are exclusions. For example, cancers caused by pre-existing conditions may not be covered.
You should check with Tokio Marine about the options for changing your Sum Assured after purchase.
#go TotalProtect Cancer offers a unique and comprehensive approach to cancer protection. With its multiple payouts, coverage for various cancer stages, and additional benefits like monthly income support and coverage for supportive therapies, it provides a robust financial safety net in the face of cancer diagnosis and treatment.
However, as with any insurance decision, it's important to carefully consider your personal needs, family history, and financial situation before making a choice. While the potential for high payouts is attractive, you should also consider the long-term cost of premiums and how this plan fits into your overall financial and insurance strategy.
Remember, the best insurance is the one that gives you peace of mind and fits your specific circumstances. If you're considering #go TotalProtect Cancer or any other cancer protection plan, it's always wise to consult with a financial adviser 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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