How can you get an Early Critical Illness coverage at the cheapest price?

Early critical illness like cancer or a heart disease is not something many of us might not even imagine being diagnosed with. However, we are bound to come across people around us or even relative members who had experienced this. We have to face the fact that it could happen to anyone when they are least expecting it. 36 people are diagnosed with cancer each day in Singapore. 34% increase in number of stroke patients aged 30-34 from 2005 to 2013.  In this article, you will learn how you get the same coverage at a lower price. Read on!


However, you have nothing to be worry about. Your 2 years wearing camouflaged green uniform and praying that you are not ‘arrowed’ for a weekend duty will pay off. All NSFs, NSmen, their spouse and children get to enjoy an all-time low life SAF/MHA Group Term Life insurance premium. This coverage is also offered to other public servants and their spouse[1].

SAF/MHA Group Term Life insurance has a rider which covers Early Critical Illness. You will receive a lump-sum payout upon diagnosed with an Early Critical Illness. Unknown to many, this is actually a good way to save on your CI premium! Here is a breakdown for a 30-year-old male who has CI coverages with a Living Care Plus rider.

Premium is by far the cheapest in Singapore at only $12.10 per month.

Why bother with CI coverage when I already have my existing health insurance/life insurance?

The coverage provided for CI is different from health and life insurance. For a health insurance, it only covers your hospital expenses. While that may seem sufficient as you need not fork out for your treatment/surgery procedure, many of us tend to forget that with such illnesses, it could force us to stay home and recuperate. Resulting in losing a source of income. This is where CI coverage comes in as they offer a one-time lump-sum payout to cover upon diagnosis of the critical illness.

Life insurance, on the other hand, offers a lump-sum payout only when you pass on and this sum is for your dependant. In a nutshell, a life insurance is meant for your dependants while a CI plan is meant to cover the loss of your income and treatment fees.

Due to medical advances, the chances of recovering from a critical illness is much higher now than before. Therefore, it is wise to consider investing in an early critical plan to prepare yourself for any unfortunate event. With the Living Care Plus rider, it helps give you a peace of mind at an affordable price.

Claims & Contact Information

 Contact Information
PolicyPal Customer Service+65 3163 9184
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Schedule a Free Teleconsulting service with us today.

You will be able to enjoy a free financial portfolio review. This review will help you better understand how to create a suitable financial plan for you and your family. We will analyse life insurance products from over 20 insurers and present you solutions that are tailor-made to address your concerns. 

Our advisor will be more than happy to help you understand any of these insurance policies: 

  • Health Insurance
  • Critical Illness Insurance
  • Endowment/Savings Insurance 
  • Personal Accident Insurance
  • Term/Whole Life Insurance

How will I be able to schedule an appointment?

You can WhatsApp us at 87500688 and let us know your preferred date and time for the appointment.

If you would like to know more about a specific life insurance product you can also let us know your preference. This is so that we can be better prepared during the appointment to present you with a comparison table if needed.

What platforms can I use during the Tele-conferencing call?

You can use Whatsapp phone call or video call.

We would recommend using Zoom as it is a free video-conferencing app that you can download for clear audio and video consulting on your computer or your phone. 

You can also include your details here and we will contact you to help you set up an appointment. 

Submit your interest now!


Want more tips like this? Read now!

[1] Full-Time National Servicemen (NSFs), Operationally Ready National Servicemen (NSmen), servicemen in MINDEF/SAF[including DXOs], Singapore Police Force, Singapore Civil Defence Force, Singapore Prison Service, Central Narcotics Bureau, Immigration & Checkpoints Authority, Public Officers working with the Authority, Volunteers at SAF Volunteer Corps, NS Volunteers, Reservist On Voluntary Extended Reserve Service, SPF Volunteer Special Constabulary, SCDF Civil Defence Auxiliary Unit



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