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Singlife Essential Critical Illness Plan Review

Singlife Essential Critical Illness

Last Updated on by Tree of Wealth

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About Singlife Essential Critical Illness Plan

The Singlife Essential Critical Illness plan offers protection against a wide variety of critical illnesses, as well as total and permanent disability, terminal illnesses, and death. It is a standalone Critical Illness term insurance that covers Death, Terminal Illness, 14 Critical Illnesses, Total and Permanent Disability, and 4 Diabetic Conditions during the protection term.

It is a term insurance that covers even with existing health conditions of High sugar Type 2 Diabetes, Pre-diabetes and the 3 Highs of High blood pressure, High cholesterol and High Body Mass Index (Obesity):

  • High Sugar (Diabetes Type 2)
  • High Cholesterol
  • High Blood (Hypertension)
  • High BMI (Obese)

There is also a reduced health checklist with only 6 questions and no medical check up needed (provided all conditions are up to date and does not require further medical underwriting), along with coverage for Type 2 Diabetic Smokers.

There is also an increase in the number of Critical Illnesses (CI) from 11 to 14 CIs. The three new CIs are:

  1. Deafness (Irreversible Loss of Hearing)
  2. Major Head Trauma
  3. Severe Bacterial Meningitis

Product Features and Benefits at a Glance

Singlife Essential Critical Illness
Coverage term Minimum of 15 years term, maximum age 85
Total Covered Critical Illnesses 14 conditions

Major Cancers

Heart Attack of Specified Severity


Blindness (Loss of Sight)

Coronary Artery By-pass Surgery

End Stage Kidney Failure

Other Serious Coronary Artery Disease

End Stage Lung Disease

Irreversible Loss of Speech

Major Burns

Deafness (Irreversible Loss of Hearing) *New*

Major Head Trauma *New*

Severe Bacterial Meningitis *New*

Angioplasty & Other Invasive Treatment For Coronary Artery

No Claim Payout 20% of total premium paid after end of policy term
Diabetic Conditions Covered Coma due to Hyperosmolar HyperglycemicState (HHS)

Diabetic Ketoacidosis

Diabetic Nephropathy

Limb Amputation due to Diabetic Complications

20% of Sum Assured up to 25,000 Upon diagnosis of any of the 4 Diabetic Conditions covered

Death/ Disability Coverage Full sum assured
Entry Age Age 25 Next Birthday
Last Entry Age Age 65 Next Birthday
Coverage for Smokers Yes
Diabetic Diagnosis Below Age 25 Not covered
Type 1 Patient Not covered
Premium Loading Premium varies depending on sugar level, high blood level , BMI, cholesterol and Triglycerides Level
Max Sum Assured 500,000

You may be interested: Best Diabetes Insurance Plans Singapore

Interested to learn more?

Fill in the form below and we will get back to you!

Policy Includes Coverage For Pre-Existing Medical Conditions

The policy provides coverage for pre-existing medical conditions, such as Type 2 Diabetes, Pre-diabetes, high blood pressure, high cholesterol, or high Body Mass Index. Singlife recognizes the significance of health protection for individuals with existing health conditions.

Application is Streamlined & No Unnecessary Complexities

The policy application process is quick and easy, with only six questions to answer and no medical check-up required. Obtaining coverage is a hassle-free experience that does not involve a lengthy application process. Additionally, if the application does not require further medical underwriting, a medical examination is not necessary.

Transparent & Straightforward With No Hidden Costs or Uncertainties

The premiums are tailored according to the applicant’s existing health conditions, which include Type 2 Diabetes, Pre-diabetes, and/or the 3 Highs (high blood pressure, high cholesterol, and high Body Mass Index). The applicant is immediately informed of the coverage costs, assuming the application does not require further medical underwriting.

Added Financial Support

An additional lump-sum payout of 20% of the Sum Assured is provided for any of the four covered diabetic conditions.

These conditions encompass:

Coma due to Hyperosmolar Hyperglycemic State (HHS) – Represents a severe acute complication of diabetes featuring severe hyperglycemia without ketoacidosis.

Limb Amputation due to Diabetic Complications – Involves the surgical removal of a leg/foot at ankle or above, or an arm/hand at wrist or above, to address gangrene resulting from complications related to diabetes.

Diabetic Nephropathy necessitates a definitive diagnosis by a Specialist and is characterized by an eGFR less than 30 ml/min/1.73 m2 with ongoing proteinuria exceeding 300mg/24 hours.

Diabetic Ketoacidosis is a serious acute complication of diabetes marked by ketoacidosis and hyperglycemia.

Detailed definitions of these Diabetic Conditions can be found in the Product Summary.

Ensure your financial security with a lump-sum payout for added protection

The policy offers a lump-sum payout to provide financial protection for the policyholder and their loved ones in the face of potential financial stress caused by a covered Critical Illness, Total and Permanent Disability, Terminal Illness, or death.

In the event of the Life Assured’s death without any prior claims, insurer will pay either 100% of the Sum Assured or the total premiums paid, depending on which amount is higher. However, if there are prior claims on the benefits, the payout will be either 100% of the Sum Assured minus any previous claims (excluding claims for Diabetic Conditions Benefit) or the total premiums paid minus any previous claims, whichever amount is higher.

The Critical Illness Benefit, Total and Permanent Disability Benefit, and Terminal Illness Benefit are considered early payouts of the Death Benefit. For more details, please refer to the Product Summary.

Flexible Premium Terms

Select the coverage term that suits your needs, whether it’s 15 years, until the age of 85, or any duration in between. Rest assured that we will provide protection throughout the chosen policy term.

Heart Health

In matters concerning heart health, even the smallest amount of additional support can make a significant difference. To ensure your well-being, we offer an advanced lump-sum payout equivalent to 10% of your Sum Assured, up to a maximum claimable limit of S$25,000, in the event that you require Angioplasty & Other Invasive Treatments for Coronary Artery.

If the Life Assured undergoes Angioplasty & Other Invasive Treatment for Coronary Artery, Singapore Life Ltd. will provide a payment equal to 10% of the Sum Assured (subject to the maximum claimable limit of S$25,000) and reduce the Sum Assured by the same amount. It’s important to note that Singapore Life Ltd. will only make a single payment for Angioplasty & Other Invasive Treatment for Coronary Artery, and this benefit serves as an early payout of the Death Benefit. All other benefits for the Life Assured will continue to be payable based on the prevailing Sum Assured following Singapore Life Ltd.’s payment for Angioplasty & Other Invasive Treatment for Coronary Artery.

For further information, please refer to the Product Summary, which provides detailed insights into this coverage.

Bonus For Maintaining Good Health

In recognition of the policyholder’s commitment to a healthy lifestyle, a bonus awaits. At the conclusion of the policy term, should no claims be made throughout the coverage period, a return of 20% of the total premiums paid will be granted.

The calculation for the total premiums paid encompasses any loadings, if applicable, ensuring a comprehensive assessment of the premiums.

Stay devoted to your well-being, and the reward for your diligence awaits.

How Singlife Essential Critical Illness Works

how Singlife Essential Critical Illness works
source: Singlife Aviva
Singlife Essential Critical Illness how it works
source: Singlife Aviva

Singlife Essential Critical Illness is suitable if you:

  • Are diagnosed with Type 2 Diabetes, Pre-diabetes, High Body Mass Index (BMI) Obesity, High Cholesterol and/or High blood pressure
  • Coverage for Death, Terminal Illness, Total and Permanent Disability (TPD), Critical Illness and Diabetic Conditions
  • Want to be covered for Diabetic Related Conditions and Complications (suitable for people without Diabetes/Obesity & High blood pressure as well)

It would however be less suitable if:

  • You are looking for limited pay premium term and coverage for life.
  • You would like cash value in a protection plan.
  • You want to include Critical Illnesses of all stages coverage from Early to Advance Stage.
  • A Wealth Growth Endowment plan
  • Single premium, One-Time Premium Term
  • Cash Payouts regularly

Conclusion for Singlife Essential Critical Illness

Singlife Essential Critical Illness is a plan that primarily covers for people with pre existing diabetic (smokers included), high blood, high cholesterol and obesity conditions.

To find the most suitable coverage, simply fill in the form below and our friendly licensed FA advisor will get in touch with you. Based on your needs, a custom made solution will be adjusted only addressing your concerns.

No obligations, no hidden fees. All advice are of no charges.

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