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Term Critical Illness (“Term CI”) Insurance mainly covers life threatening diseases over a fixed time period. A fixed lump sum benefit is payable if the insured is diagnosed with a pre-defined illness. Term CI insurance products are usually with fixed premium and coverage term of 1, 5 or 10 years, mostly with guaranteed renewability up to a certain age. 10Life rates Term CI products based on the coverage under the major diseases including cancer, heart disease, stroke and other critical illnesses, and in case of death. Some products in the market cover only the top 3 critical illnesses (cancer, heart, stroke) and others cover a number of major critical illnesses.
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FTLife | “HealthCare Choice” Critical Illness Protector
9.0/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium : $3,290
10 Year Average Premium : $4,480
AIA | AIA Simple Care Essence
9.0/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium : $3,630
10 Year Average Premium : $4,660
Prudential | Health Critical Illness Term 2
9.0/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium : $3,690
10 Year Average Premium : $4,840
China Life | Joyful Care Critical Illness Insurance Plan
8.6/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium : $3,130
10 Year Average Premium : $4,165
China Taiping | Taiping Smartcare
8.4/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium : $2,300
10 Year Average Premium : $4,750
FWD | FWD Critical IllnessCare Insurance Plan
8.3/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium : $3,620
10 Year Average Premium : $4,770
Bowtie | Bowtie Critical Illness Insurance
8.2/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium : $1,728
10 Year Average Premium : $2,582
Bupa | Bupa Critical Essential Care
8.0/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium : $5,120
10 Year Average Premium : $6,095
Blue | WeCare Critical Illness Protection Plan 1
8.0/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium : $2,270
10 Year Average Premium : $2,270
Blue | WeCare Critical Illness Protection Plan 1
8.0/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium : $2,160
10 Year Average Premium : $2,665
9.0/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
FTLife | “HealthCare Choice” Critical Illness Protector
First Year Premium : $3,290
10 Year Average Premium : $4,480
9.0/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
AIA | AIA Simple Care Essence
First Year Premium : $3,630
10 Year Average Premium : $4,660
9.0/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
Prudential | Health Critical Illness Term 2
First Year Premium : $3,690
10 Year Average Premium : $4,840
8.6/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
China Life | Joyful Care Critical Illness Insurance Plan
First Year Premium : $3,130
10 Year Average Premium : $4,165
8.4/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
China Taiping | Taiping Smartcare
First Year Premium : $2,300
10 Year Average Premium : $4,750
8.3/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
FWD | FWD Critical IllnessCare Insurance Plan
First Year Premium : $3,620
10 Year Average Premium : $4,770
8.2/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
Bowtie | Bowtie Critical Illness Insurance
First Year Premium : $1,728
10 Year Average Premium : $2,582
8.0/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
Bupa | Bupa Critical Essential Care
First Year Premium : $5,120
10 Year Average Premium : $6,095
8.0/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
Blue | WeCare Critical Illness Protection Plan 1
First Year Premium : $2,270
10 Year Average Premium : $2,270
8.0/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
Blue | WeCare Critical Illness Protection Plan 1
First Year Premium : $2,160
10 Year Average Premium : $2,665
Term Critical Illness Insurance Frequently Asked Questions
What is the difference between medical insurance and critical illness insurance?
Although both types of insurance offer health protection, their coverage and benefit payout are completely different. Medical insurance offsets the hospitalisation expenses of the insured via reimbursement. As for critical illness insurance, if the insured is diagnosed with a pre-defined illness, a fixed lump sum benefit is payable, and the insurance company usually does not limit the use of the payout.
The more critical illnesses covered, the better the plan?
While some critical illness plans cover more than 100 diseases, about 90% of the critical illness claims come from cancer, heart disease and stroke. Therefore, instead of focusing on the quantity, you should understand the needs and the definitions of the covered critical illnesses to choose a suitable plan.
Why is the definition of critical illness the key to claim success?
The definitions of covered illness often vary among different products, even for common major diseases like cancer. For example, “non-life-threatening cancers” is specifically excluded in certain products. As a result, when choosing critical illness insurance, you should understand the definitions thoroughly as they may affect your claims in the future.
What is the difference between whole life and term critical illness insurance?
Whole life critical illness insurance carries savings component. If the insured does not make any claims, there will be cash value when surrendering the insurance. In general, whole life critical illness insurance has broader coverage, covering more diseases and some for multiple times.
On the contrary, without having savings component, term life critical illness insurance offers pure protection and needs to be renewed every fixed term (e.g. every 5 years or 10 years). The coverage period of term life critical illness insurance is generally up to around age 80.
How much critical illness insurance is enough?
A key purpose of critical illness insurance is to hedge against the risk of lost income due to a major illness. Due to the potential lengthy treatment and recovery time, from a risk management standpoint, some advisors suggest 24 to 36 months of your salary as the coverage amount. However, everyone's needs are different, it is best to consult with a licensed advisor.
Remarks:
- The above premium excludes insurance levy collected by the Insurance Authority.
- The information on 10Life is intended for general education purpose and reference only, and does not constitute any insurance, financial, investment or other professional purchase advice or solicitation to buy insurance, financial or investment products. 10Life Product Ratings and Scores are mathematical calculations based on public product information and assumptions for generic customer segments. The Product Ratings and Scores DO NOT reflect YOUR personal needs. 10Life hereby excludes any liability arising from using the information and will not make warranty or guarantee on the accuracy, completeness and timeliness of the information or for any claims and / or losses caused thereby. You should seek independent professional advice and review the insurance product information carefully before purchasing any insurance products. The information shown in the communications placed on 10Life does not constitute an offer or solicitation for the purchase or sale of any banking or insurance products or services.
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