Best Critical Illness Insurance
A Smart Choice for Expats in Singapore
Prepare for life’s unexpected health challenges with a strong critical illness plan that supports recovery—financially and emotionally.
What Is Critical Illness Insurance?
Critical illness (CI) insurance provides a lump‑sum payout upon diagnosis of serious conditions defined in your policy—typically covering cancer, heart attack, stroke, and more. This can help cover medical treatments, living costs, or lost income during recovery.
What to Look For
Scope of illness covered
Choose plans covering early‑stage to severe conditions. Some cover just the “Big 3,” others up to 132 or more illnessesSingle vs. multi‑payout
Single‑payout plans pay once when diagnosed. Multi‑payout options allow multiple claims for different stages or relapses—though premiums are higher.
Top Plans in 2025
FWD Big 3 Critical Illness
Covers all stages of cancer, specified heart attack, and stroke. Affordable premiums with full payout for each conditionEtiqa/Tiq 3 Plus Critical Illness
Similar Big 3 coverage, plus an extra S$20,000 death benefit and child death cover—great for young familiesSinglife Comprehensive and Singlife Multipay
Comprehensive covers early to late stages of 132 illnesses and includes ICU benefits. Multipay allows up to 900% of sum assured across multiple claimsAIA Prime/Absolute Critical Cover
Offers broad coverage up to age 100 across early‑, intermediate‑, and late‑stage illnessesManulife CI FlexiCare (Deluxe)
Access to 126 conditions with up to six claims and extra recovery benefits—top‑ranked by Dollar Bureau
Choosing the Right Plan
Budget vs. coverage:
Single‑payout plans like FWD Big 3 offer cost‑effective protection. For more support through multiple claims, consider Singlife Multipay or Manulife.Your personal profile:
If you're young and healthy, multi‑payout plans provide long‑term value. If affordability matters, basic plans may suffice.Claim types:
Need early‑stage payouts? Ensure your plan supports early diagnosis (e.g., Singlife, Manulife).
Why Use a Broker?
Brokers help you compare products across insurers, explain technical details, and ensure the best fit for your health history. They can guide you toward fair premiums and ideal coverage.
