Compare and Get the

Best Critical Illness Insurance in
Singapore (2026)

Compare critical illness insurance quotes from over 12 leading insurers in Singapore and secure the most affordable protection. Choose between single-pay and multi-pay critical illness plans to safeguard yourself against more than 150 medical conditions, including early, intermediate, and advanced stages.

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Why Critical Illness Insurance

CI insurance provides a lump-sum payout upon diagnosis of serious illnesses like cancer, heart attack, or stroke, helping cover medical costs, lost income, and lifestyle adjustments. Income protection ensures financial stability by replacing lost income if you’re unable to work due to illness or injury, allowing you to maintain your lifestyle and support dependents. Together, these coverages offer essential financial security beyond standard health insurance, easing the burden during difficult times.

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Protect loss of income

Health insurance covers medical bills, while critical illness insurance safeguards your income. The MAS Basic Financial Planning Guide recommends coverage of 4x your annual income

Single or Multiple Claim

Choose Single Pay plan for one-time coverage or Multi-Claim policies for continuous protection, as serious illnesses may recur over time. One Policy can cover relapses or new diagnoses

From Early to Advance

Insurers now offer comprehensive CI coverage, from early onset to the most severe conditions. Review your options to ensure complete protection without any gaps. Get your quotes below

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Sample Critical Illness Quotes (Latest Rate 2026)

Sample Premium Single Claim Payout Coverage till Age 75 for 100,000 Sum Assured 35 Years Old Next Birthday, Non Smoker
Insurer	Female Monthly Premium	Male Monthly Premium
Tokio Marine	$102.85	$108
Manulife	$131.16	$118.75
Singlife	$113.65	$118.50
Income	$135.20	$130.30
HSBC Life	$90.48	$86.83
China Taiping	$66.90	$63.80

Sample Premium Multi Claim Payout Coverage till Age 75 for 100,000 Sum Assured 35 Years Old Next Birthday, Non Smoker
Insurer	Female Monthly Premium	Male Monthly Premium
FWD	$141.46	$132.34
Tokio Marine	$187.75	$179.45
HSBC Life	$133.52	$131.07
Income	$217	$213
Singlife	$166.55	$170.95
Manulife	$159.20	$152.39

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Critical Illness Insurance F.A.Q

Find answers to commonly asked questions about CI Insurance in Singapore

What is critical illness insurance in Singapore?

A critical illness insurance plan pays out a lump sum when you’re diagnosed with a covered serious medical condition, such as cancer, heart attack, or stroke. This payout helps you manage medical bills, recovery costs, and income replacement needs.

What is the difference between single-pay and multi-pay critical illness plans?

A single-pay plan pays out once upon diagnosis of a covered condition, after which the policy ends. A multi-pay plan allows multiple claims across different conditions or stages, offering extended protection over time.

How many conditions are covered under critical illness plans in Singapore?

Most insurers cover at least 37 major illnesses under the LIA framework. Some enhanced plans extend coverage to 150+ conditions, including early, intermediate, and advanced stages of critical illnesses.

Does critical illness insurance cover early-stage cancer or heart disease?

Yes, all our listed plans includes early and intermediate stage coverage. Basic CI policies usually cover only advanced-stage illnesses which can be bought as a rider to a term insurance

How do i apply and pay?

After our insurance experts contact you via your form submission to clarify your needs and guide you through your options. You can then apply critical illness insurance with them via online or face to face submission. Premium payments can be made via credit card (recurring setup), GIRO, AXS (physical stations, website, or app), or bank transfer through online banking

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Best Critical Illness Insurance inSingapore (2026)