Health Insurance

Critical Care Advantage

Be covered across three stages of illness - early, intermediate and critical

Critical illnesses such as cancer, heart attack and stroke may, unfortunately, strike at any time. But early treatment and care gives you a better chance of recovery.


With large lump sum payouts right from the start, the Critical Care Advantage plan enables you to seek treatment earlier. You’ll enjoy coverage for as many as 37 illnesses, across three stages – early, intermediate and critical


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Key benefits


Get the reassurance of high payouts

Payouts of up to S$100,000 in the early stages of illness – and up to S$200,000 in the intermediate stages – will help pay for high treatment costs.


Pay no more premiums after a claim

Once you claim for early or intermediate stage diagnosis, your coverage continues without your having to pay any further premiums.


No waiting between multiple claims

Should you need to make more than one claim, there’s no minimum interim period between the claims.


Be covered for 92 medical conditions

The plan provides comprehensive coverage against 37 critical illnesses2  plus seven special conditions3 , with additional payouts up to S$185,0003 .


Customise your protection to your needs

Choose your own coverage – from S$50,000 to S$1 million – and its duration, all the way up to age 85.

How Critical Care Advantage works


Loss of Income: To protect yourself against losing your monthly income because of illness or injury, consider Pay Assure.


Hospitalisation: To cover the cost of hospitalisation, surgical or medical expenses - and make up for loss of income due to hospitalisation - consider GREAT SupremeHealthGREAT TotalCare and Supreme MediCash.


Comprehensive coverage for accidents: To enjoy comprehensive coverage against accidents, consider Essential Protector Plus.

There is a waiting period of 90 days from the policy issue date or policy reinstatement date, whichever is later, for the following medical conditions:


i. Diabetic Complications

ii. All stages of Heart Attacks and Other Serious Heart Conditions

iii. Major Cancers

iv. Coronary Artery Bypass Surgery


2 This plan covers you against 92 claimable medical conditions, 78 of which comprise the early, intermediate and critical stages of 37 critical illnesses. For the full list of critical illnesses and medical conditions covered, please see the product brochure.


3 In addition to the sum assured, there are extra payouts of up to S$25,000 for each of the following seven special conditions:


  • Diabetic complications
  • Cancer recovery (maximum payout of S$35,000)
  • Severe rheumatoid arthritis
  • Severe osteoporosis with fractures
  • Systemic lupus erythematosus
  • Crohn's Disease
  • Severe Dengue Haemorrhagic Fever

All ages specified refer to age next birthday.  


This advertisement has not been reviewed by the Monetary Authority of Singapore. 


The above is for general information only. It is not a contract of insurance. The precise terms and conditions of this insurance plan are specified in the policy contract.


Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable, if any, may be less than the total premiums paid. It is usually detrimental to replace an existing accident and health plan with a new one. A penalty may be imposed for early plan termination and the new plan may cost more, or have less benefits at the same cost.


In case of discrepancy between the English and the Chinese versions, the English version shall prevail.


This plan is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites ( or


Information correct as on 27 February 2015.