Best Diabetic Critical Illness Plans in Singapore 2025

Diabetes is one of the more complicating conditions that may arise as it will lead to many other critical illnesses and complications (like limb amputation). But once diagnosed, insurers will not cover the condition at all – when you need it the most. 

What is Diabetic Critical Illness Insurance Plan?

Traditionally, diabetic patients will be unable to get insurance coverage for life. In the rare event that diabetic patients are covered, there may be high loading on the premiums and/or exclusions to certain conditions and critical illnesses. 

However, it is most important to have a coverage when someone has diabetes as it may lead to heart diseases or stroke. For this reason, insurers today are starting to accept pre-existing conditions and diabetes providing financial coverage for advance stage of diseases. 

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Still unsure about Diabetic Critical Illness Coverages?

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Main difference between a Diabetic plan and usual Critical Illness plans

Even when insurers do cover pre-existing conditions like high blood or diabetes, a higher charged premium will be served, along with the related Critical Illnesses excluded. The biggest advantage for Diabetes Critical Illness plans is they cover for diabetes and even complications like Limb Amputation due to Diabetic Complications. Other Critical Illnesses like Major Cancer is also covered for. They are also relatively well priced and covers for Total Permanent Disability as well.

No claims payout

Save even more when there are no claims made. Up to 25% of your total premiums paid at the end of your policy term if no claim is made.

Covers For Pre-Existing & Diabetic Conditions

Covers you when you are unable to get coverage due to Pre-diabetes or the 3 Highs (high blood pressure, high cholesterol and high BMI).

Critical Illness Coverage

Lump-sum payout upon diagnosis of major Critical Illnesses, Total and Permanent Disability, Terminal Illness or Death. Additional coverage for diabetic complications.

Best Diabetic Critical Illness Plans in Singapore 2025

Diabetes Critical Illness plan covers for people with pre-existing conditions with all types of diabetes covered (different insurers apply), protecting and paying out to ease you financially when you lose the ability to work.

Singlife with Aviva

Singlife with Aviva
Essential Critical Illness

5/5

The Singlife Essential Critical Illness is a low cost coverage that does not break your wallet while protecting you. Covers Pre-existing Type 2 Diabetes, Pre-diabetes or the 3 Highs (high blood pressure, high cholesterol and high BMI). Complimentary health programme included.

Manulife Critical Select Care

4/5

Competitive Critical Illness plan. Covers heart attacks, cancer, diabetes, and more. Unique coverage for Type 1 Diabetes. No premium loading. Payout of 25% if no claims made. Minimum entry age of 40.

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    Frequently Asked Questions

    They are essentially a type of Critical Illness term insurance that covers for people with pre-existing conditions of type-2 diabetics, pre-diabetic or chronic disease patients. It pays out a lump sum amount upon diagnosis of critical illness, total permanent disability and death.

    Aside from diabetes, other chronic diseases such as high BMI, high cholesterol and high blood conditions are also covered for.

    Diabetes Critical Illness plan covers for people with pre-existing conditions with all types of diabetes covered (different insurers apply), protecting and paying out to ease you financially when you lose the ability to work.

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