The 10 Best Critical Illness Insurance in Singapore

Trusted critical illness plans in Singapore for lump-sum protection, early-stage cover and relapse support.

Reviewed by our editors · Updated July 2026 · How we rank

Our verdict: Singlife Multipay Critical Illness II is the best critical illness insurance in Singapore right now - best overall for repeat-claim protection. AIA Ultimate Critical Cover runs it closest.

Critical illness insurance in Singapore is meant to pay a lump sum when a covered illness is diagnosed, so it should be compared differently from hospitalisation insurance. The key checks are the covered conditions, disease stages, survival or waiting periods, whether payouts reduce future cover, and how long premiums remain affordable.

For this ranking, we favoured established insurers with clear Singapore product pages, strong claims infrastructure, broad coverage, useful early-stage or multi-pay features, and practical access through advisers or online purchase. The best plan still depends on age, health history, family commitments and existing hospital or life cover.

01
Singlife Multipay Critical Illness II
89/100
Multi-pay CI cover with up to 900% total payout and 135 covered conditions.
singlife.com
$$$$ price range
“Best overall for repeat-claim protection.” - our editors
THEBESTSG STAFF REVIEW
This is one of the stronger all-round critical illness plans for Singapore residents who are worried about relapse and repeat diagnoses, not just first diagnosis. The headline attraction is the multi-pay structure, with clear positioning around early detection and continued support. Singlife also makes the product details relatively accessible online. The trade-off is complexity: the payout sequence, recurrent illness rules and optional features need careful adviser explanation before committing, especially if you already have CI riders elsewhere.
Why Singlife Multipay Critical Illness II made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It earns top spot for combining broad staged coverage, high total payout potential, recurrent illness support and long coverage flexibility in a mainstream Singapore insurer product.
Singlife Multipay Critical Illness II is built for people who want protection beyond a single claim. The plan covers 135 conditions across early, intermediate and severe stages, with multiple payouts and recurrent critical illness benefits for specified severe conditions. It also includes a death benefit, premium waiver after the first severe-stage critical illness, optional payout-boost features, and flexible coverage terms up to age 99. Its structure is suited to policyholders who want ongoing financial support if illness recurs or if separate serious conditions happen over time.
THE EDITORS' SCORECARD - 89/100
Unique Service Proposition19/20
Quality of Service18/20
Accessibility17/20
Value for Money17/20
Innovation18/20
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02
AIA Ultimate Critical Cover
88/100
AIA's reset-style CI plan with unlimited major-stage claims and 150 covered conditions.
1 Finlayson Green, Singapore 049246
aia.com.sg
$$$$ price range
“Best for reset-style CI cover.” - our editors
THEBESTSG STAFF REVIEW
AIA Ultimate Critical Cover is compelling for buyers who want a modern CI plan that recognises repeat illness risk. The reset feature and broad list of covered conditions are the main draw, while AIA's adviser network and Vitality programme make support and engagement easier for many Singapore families. The honest caveat is cost and suitability: a feature-rich plan can be more than some buyers need if they only want basic severe-stage cover.
Why AIA Ultimate Critical Cover made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It ranks highly for its reset-led design, wide condition list, strong insurer reputation and healthcare support add-ons that go beyond a basic lump-sum policy.
AIA Ultimate Critical Cover is a term critical illness plan focused on repeat protection. It covers 150 medical conditions across early, intermediate and major stages, and includes a reset feature that restores coverage after a claim, subject to policy terms. The plan also offers an optional UCC Enhancer for relapse and catastrophic critical illness benefits. AIA ties the plan to its Vitality ecosystem, including potential premium discounts, and adds healthcare support services such as specialist advice and telemedicine access.
THE EDITORS' SCORECARD - 88/100
Unique Service Proposition19/20
Quality of Service18/20
Accessibility18/20
Value for Money15/20
Innovation18/20
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03
GREAT Critical Cover Series
86/100
Great Eastern add-on CI cover designed to continue after critical illness claims.
greateasternlife.com
$$$ price range
“Strong adviser-led continued cover.” - our editors
THEBESTSG STAFF REVIEW
Great Eastern is a familiar name for Singapore households, and this series is notable because it focuses on continued coverage rather than a single payout. It suits customers who already prefer adviser-led planning and want their CI cover to sit neatly within a broader life policy setup. The trade-off is that it is less straightforward than a direct online plan, so buyers should ask exactly how claims affect future benefits and premiums.
Why GREAT Critical Cover Series made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It was selected for Great Eastern's market presence, continued-cover positioning, and suitability for customers who want CI protection integrated with broader life planning.
GREAT Critical Cover Series is Great Eastern's continued critical illness coverage option. The product is positioned as an add-on that can provide 100% payout for every eligible critical illness claim, with coverage continuing even after the first claim, subject to terms. It sits within Great Eastern's wider critical illness line-up, which also includes cancer, term and whole life solutions with CI options. This makes it useful for customers who want to layer continued CI support onto a broader protection plan.
THE EDITORS' SCORECARD - 86/100
Unique Service Proposition18/20
Quality of Service18/20
Accessibility17/20
Value for Money15/20
Innovation18/20
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04
Manulife Early CompleteCare
84/100
Manulife CI plan with 100% payout across stages and multiple-claim support.
8 Cross Street, #13-01, Manulife Tower, Singapore 048424
manulife.com.sg
$$$ price range
THEBESTSG STAFF REVIEW
Manulife Early CompleteCare is a sensible contender for people who want a broad CI policy without relying only on late-stage definitions. The appeal is the combination of staged coverage and multiple-claim positioning, backed by a global insurer with a Singapore client service centre. The main trade-off is that product comparison can feel less instant than fully online providers, so it is worth getting a full benefit illustration before deciding.
Why Manulife Early CompleteCare made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It stands out for full staged CI payout positioning, multiple-claim support and Manulife's solid Singapore service infrastructure.
Manulife Early CompleteCare is a critical illness plan listed under Manulife Singapore's health insurance solutions. It provides 100% payout of the basic sum insured for covered critical illness conditions across stages, with support for multiple claims against multiple or recurring critical illness diagnoses. Manulife also offers related products such as EarlyCancer Protect and Critical SelectCare, giving customers a choice between broader staged CI cover and more targeted protection. The plan is suited to buyers who want early-stage cover without losing sight of repeat-claim scenarios.
THE EDITORS' SCORECARD - 84/100
Unique Service Proposition17/20
Quality of Service17/20
Accessibility16/20
Value for Money16/20
Innovation18/20
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05
Complete Critical Protect
82/100
Income Insurance term plan for continued dread disease protection from diagnosis to recovery.
income.com.sg
$$ price range
THEBESTSG STAFF REVIEW
Income remains a practical choice for many Singapore families because its products are easy to recognise and service channels are familiar. Complete Critical Protect is best considered by buyers who want dread disease cover without jumping straight into a whole life plan. What to watch is product detail: the public listing is concise, so customers should request the full summary and compare definitions, premium pattern and claim impact before signing.
Why Complete Critical Protect made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It was chosen for Income's local reach, dedicated CI positioning and usefulness for buyers who prefer term-style protection over investment-linked complexity.
Complete Critical Protect is Income Insurance's term life insurance plan for dread disease protection. Income describes it as providing continuous protection from diagnosis to recovery, placing it among its term life insurance products alongside Complete Cancer Care and other protection plans. It is part of a familiar local insurer ecosystem with digital servicing through My Income and broad hotline support. The plan is a practical option for Singapore residents who prefer a locally rooted insurer and want critical illness protection as a dedicated term solution.
THE EDITORS' SCORECARD - 82/100
Unique Service Proposition16/20
Quality of Service17/20
Accessibility17/20
Value for Money16/20
Innovation16/20
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06
PRUActive Protect
80/100
Customisable Prudential CI plan with recurring early-stage critical illness cover.
Prudential Tower, 30 Cecil Street, #01-01, Singapore 049712
prudential.com.sg
$$$ price range
THEBESTSG STAFF REVIEW
PRUActive Protect works best for buyers who value customisation and already want adviser support. Prudential's strength is distribution and long-term servicing, which matters for CI policies that may stay in force for decades. The product's recurring early-stage angle is useful, but the trade-off is that customisation requires discipline. It is easy to add features without fully understanding cost, overlaps or future affordability.
Why PRUActive Protect made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It earns its place for customisable CI protection, recurring early-stage positioning and Prudential's strong Singapore servicing footprint.
PRUActive Protect is Prudential Singapore's customisable critical illness insurance plan. Prudential positions it as a plan that can be built as the customer grows, with coverage against recurring early-stage critical illnesses and more. It sits within Prudential's broader health and life protection ecosystem, supported by a large adviser force, customer service centre and digital policy services. This product is a good fit for customers who want to shape their CI protection over time rather than buy a simple one-size plan.
THE EDITORS' SCORECARD - 80/100
Unique Service Proposition16/20
Quality of Service17/20
Accessibility17/20
Value for Money15/20
Innovation15/20
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07
FWD Critical Illness Plus
78/100
Online CI plan covering cancer stages, heart attack, stroke and unknown illnesses.
fwd.com.sg
$$ price range
THEBESTSG STAFF REVIEW
FWD is strong for convenience and transparency. Critical Illness Plus is easy to understand beside FWD's other online products such as Big 3 Critical Illness, Cancer 2.0, Heart Attack and Stroke plans. The ability to check prices online is a real advantage for self-directed buyers. The trade-off is that online simplicity can hide suitability questions, especially for people with existing policies or more complicated family obligations.
Why FWD Critical Illness Plus made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It was selected for online accessibility, clear product comparison, broad core illness coverage and a useful alternative to adviser-only CI plans.
FWD Critical Illness Plus is part of FWD Singapore's online critical illness suite. It provides comprehensive coverage for cancer of all stages, heart attack, stroke and unknown illnesses, with up to 200% sum insured payout. FWD highlights flexible sum insured options, no medical checks for eligible applicants, and direct online purchase. The product is well suited to digitally comfortable customers who want to compare premiums quickly and buy a defined CI plan without a traditional adviser meeting.
THE EDITORS' SCORECARD - 78/100
Unique Service Proposition16/20
Quality of Service15/20
Accessibility18/20
Value for Money16/20
Innovation13/20
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08
AIA Protect 3
77/100
AIA plan focused on cancer, heart attack and stroke from early to major stages.
1 Finlayson Green, Singapore 049246
aia.com.sg
$$ price range
THEBESTSG STAFF REVIEW
AIA Protect 3 is a good targeted plan for people who do not need a very broad CI list but want meaningful protection around the main claim drivers. The product is easier to grasp than many multi-condition plans, and the AIA Vitality link may appeal to active customers. The limitation is obvious: it is narrower by design, so it should not be mistaken for full-spectrum critical illness coverage.
Why AIA Protect 3 made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It made the list because it gives focused multi-stage cover for the big three CI risks with strong accessibility and AIA's support ecosystem.
AIA Protect 3 focuses on the three major critical illness risks: cancer, heart attack and stroke. It covers these conditions from early to major stages and offers term coverage up to age 85. AIA also highlights simple sign-up with health questions, optional fixed premiums from age 70, a claim-free cashback feature, gender-specific cancer benefit, and healthcare support through partners. It is intended for customers who want targeted, relatively straightforward CI cover around the most common claim areas.
THE EDITORS' SCORECARD - 77/100
Unique Service Proposition15/20
Quality of Service16/20
Accessibility18/20
Value for Money15/20
Innovation13/20
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09
FWD Cancer 2.0
76/100
FWD online cancer plan covering all stages, including early tumour diagnosis.
fwd.com.sg
$$ price range
THEBESTSG STAFF REVIEW
FWD Cancer 2.0 is not trying to be everything, and that is its strength. It gives online buyers a focused way to cover cancer risk, including early tumour diagnosis and continuing protection for certain later scenarios. The pricing and purchase flow are likely to feel approachable. The trade-off is scope: it is not a substitute for broader critical illness cover if heart attack, stroke or other severe conditions are priorities.
Why FWD Cancer 2.0 made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It is included for its focused cancer design, online accessibility and continuing-cover angle after an initial cancer claim.
FWD Cancer 2.0 is a targeted critical illness-style plan for cancer protection. FWD positions it as comprehensive online cancer coverage, including early tumour diagnosis. After a first claim for any stage of cancer, the plan can continue coverage for new or recurring late-stage cancer, subject to policy terms. It sits well for buyers who are most concerned about cancer risk and prefer a direct online plan, while those seeking broader CI cover should compare it against FWD Critical Illness Plus or multi-condition insurer plans.
THE EDITORS' SCORECARD - 76/100
Unique Service Proposition15/20
Quality of Service15/20
Accessibility18/20
Value for Money15/20
Innovation13/20
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10
DIRECT - Etiqa term life II
74/100
Direct-purchase term life plan with an option to add critical illness cover.
etiqa.com.sg
$ price range
THEBESTSG STAFF REVIEW
Etiqa's appeal is straightforward digital access, Maybank group backing and clear customer care channels. DIRECT - Etiqa term life II is best for people who want basic protection and the option to include critical illness cover without paying intermediary fees. It is not as feature-rich as the top multi-pay plans, and the CI element is an option rather than the whole product, so buyers should check definitions closely before relying on it.
Why DIRECT - Etiqa term life II made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It was selected as a practical direct-purchase option for buyers who want simpler term protection with optional CI cover and lower distribution friction.
DIRECT - Etiqa term life II is Etiqa's direct-purchase term life option, listed under its life and critical illness protection category. Etiqa states that its direct-purchase insurance options come with life and total permanent disability cover, with an option to cover critical illnesses. The term life version allows coverage from S$50,000 up to S$400,000, subject to eligibility and policy terms. It is most relevant for cost-conscious buyers who want direct access and are comfortable with a simpler DPI-style structure.
THE EDITORS' SCORECARD - 74/100
Unique Service Proposition14/20
Quality of Service15/20
Accessibility18/20
Value for Money16/20
Innovation11/20
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Best Critical Illness Insurance in Singapore compared

Rank	Name	Known for	Price
#1	Singlife Multipay Critical Illness II	multi-pay · early-stage	$$$$
#2	AIA Ultimate Critical Cover	coverage reset · multi-claim	$$$$
#3	GREAT Critical Cover Series	continued cover · add-on	$$$
#4	Manulife Early CompleteCare	early-stage · multiple claims	$$$
#5	Complete Critical Protect	term cover · local insurer	$$
#6	PRUActive Protect	customisable · early-stage	$$$
#7	FWD Critical Illness Plus	online purchase · fixed term	$$
#8	AIA Protect 3	big three · targeted cover	$$
#9	FWD Cancer 2.0	cancer cover · online purchase	$$
#10	DIRECT - Etiqa term life II	direct purchase · term life	$

Critical Illness Insurance in Singapore - your questions

Is critical illness insurance the same as hospitalisation insurance?

No. Hospitalisation insurance reimburses eligible medical bills, while critical illness insurance usually pays a lump sum after diagnosis of a covered condition. The payout can be used for income replacement, home care, loan payments or family expenses.

How much critical illness cover should I buy in Singapore?

A common starting point is several years of income plus major liabilities, because recovery can affect work and family cash flow. Compare this against existing life, disability and hospital plans before buying more cover.

Are early-stage critical illness plans worth it?

They can be useful if you want support before a condition becomes severe, especially for cancers, heart conditions or stroke-related events. They usually cost more than severe-stage-only cover, so check definitions and payout limits carefully.

Can I buy critical illness insurance after a health issue?

You can apply, but acceptance depends on underwriting. Existing symptoms, past diagnoses and ongoing treatment may lead to exclusions, loading, postponement or rejection, so disclose accurately and compare options.

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The 10 Best Critical Illness Insurance in Singapore

Best Critical Illness Insurance in Singapore compared

Critical Illness Insurance in Singapore - your questions

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