Breast cancer survivor shares why her three insurance policies could not cover
"My life was joyfully surrounded by my three lovely children, but all that
changed in June last year when I was diagnosed with Breast Cancer Stage 0
(Ductal Carcinoma-in-situ). Although my cancer was Stage 0, a 12-hour surgical
operation that amounted to $30,000 was still necessary.
After submitting my claim for the three critical illness plans, which I already paid over $70,000 in premiums over three years, it was a rude shock to find out that Stage 0 cancer is considered non-invasive and does not fulfill the standard definition of cancer. Had my claim been successful, I would have $200,000 to enable me to stop working. Instead, I found myself drawing down on my savings to pay for my monthly expenses.
If I had bought Early-Payout CriticalCare Plus (EPCC Plus), it would have been a lifesaver as it bridges the gap of a typical critical illness plan by paying out for early stage critical illnesses. My advice to anyone now is to take action early and make sure you're adequately covered for critical illnesses. Your basic plan is not enough for life's unexpected twists."
- Theresa Tan, Breast Cancer Survivor
featured with her daughter above in the visual
With Early-Payout CriticalCare Plus she could have been covered
Early-Payout CriticalCare Plus plan provides a payout at the earlier stages of critical illness. With the advantage of early financial support you can have peace of mind to focus solely on treatment and recovery.
Progressive Lump sum payout to cushion your lifestyle adjustments
- Maintain your existing lifestyle expenses should you need to stop work.
- Fund overseas or alternative medical treatment to holistically manage your health.
Covers up to 72 medical conditions from Early to Critical Stages
Early-Payout CriticalCare Plus provides you a comprehensive coverage of 72 medical conditions across 30 critical illnesses, inclusive of 2 Special Benefits.
Click here
to view the Benefits Payout for Critical Illnesses of various stages at
a glance
Enjoy Additional coverage under 2 Special Benefits
You can enjoy additional coverage against Diabetic Complications & Cancer Recovery on top of the Basic Sum Assured of your Early-Payout CriticalCare Plus Plan.
Future Premiums will be waived upon the 1st claim
Future premiums for the entire period of your insurance plan will be waived upon the 1st claim1 under Early or Intermediate Stage. This gives you the assurance of guaranteed Critical Illness coverage for the rest of the policy term and helps ease your financial worries.
Multiple claims with no waiting period
Enjoy the benefit of making multiple claims with no waiting period required between submissions of claims. For example, a patient could be diagnose with heart attack (Early Stage), resulting in the first payout. Subsequently, the patient suffers a stroke (Intermediate Stage). This plan will pay the second claim regardless of how soon the stroke occurred.
Comprehensive protection of up to $1million coverage with affordable premiums
From as little as $632 a month, Early-Payout CriticalCare covers you for a total of 72 medical conditions across 30 critical illnesses from the Early Stage to the Critical Stage. In addition, the plan provides a death benefit of $15,000 during the policy term.
How Early-Payout CriticalCare Plus Claim works
Special Benefit and Progressive Payouts on different Critical Illnesses at
Early & Intermediate Stage based on a Sum Assured (SA) of $300,000.
| Claims | Different Critical Illness at the Various Stages | Benefits Payable | Claim Payouts (S$) |
|---|---|---|---|
| 1st Claim | Diabetic Complications (Special Benefit) | 25% of SA3 or $25,000, whichever is lower | $25,000 |
| 2nd Claim | Other Serious Coronary Artery Disease at Early Stage | 50% of SA or $50,000, whichever is lower | $50,000 |
| Future premiums are waived, yet you continue to enjoy Early-Payout CriticalCare Plus Coverage | |||
| 3rd Claim | Stroke at Intermediate Stage | 100% of SA4 | $250,000 |
| 100% of Basic Sum Assured has been paid out,therefore policy terminates | |||
| Total Claims Payable | $325,000 | ||
Ensure that you are well covered against critical illness today
Critical illness can strike anytime and your current critical illness coverage might not cover the early stages.
Do not procrastinate, now is the time to ensure that you are covered against critical illness!
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1 Applies to claims admitted under Early or Intermediate Stages of Critical Illness only. Excludes claims under 2 Special Benefits.
2 Premium is based on a non-smoking male, aged 30 at next birthday with a sum assured amount of $100,000 for a policy term 30 years. Premiums rates are not guaranteed and may be adjusted based on future experience.
3 Special Benefit claim is an additional payable on top of
Basic Sum Assured.
4 Sum Assured less payout of all previously admitted claims.
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