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A critical illness plan that gives you assurance whether you’re in the pink of health or managing an existing health condition.

Stay Fully Protected in Health and in Sickness

Protect your finances from the high cost of critical illnesses and severe health conditions with Singlife Essential Critical Illness II. It covers major illnesses like cancer, heart disease and stroke, giving you affordable coverage if you’re in good health and essential protection if you're managing existing conditions.

Chronic Conditions Are More Common Than You Think

High blood pressure and diabetes are common in Singapore and can raise your risk of serious illnesses like stroke. This plan covers you even if you have certain existing conditions.

01

High blood pressure

More than 1 in 3 Singaporeans have high blood pressure⁸.
02

Diabetes

1 in 12 Singaporeans are diabetic⁸.
03

Stroke

Over 80% of stroke patients also have high blood pressure or high cholesterol⁹.

How Singlife Essential Critical Illness works

How Singlife Essential Critical Illness Works - Total Benefit Received | Singlife SG

How Singlife Essential Critical Illness Works - Total Benefit Received | Singlife SG

How Singlife Essential Critical Illness Works - No Claim Reward | Singlife SG

How Singlife Essential Critical Illness Works - No Claim Reward | Singlife SG

Important Notes

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All ages mentioned refer to age next birthday

1. A medical examination is not required if your responses to the 6 health questions during application indicate that no further medical underwriting is required.

2. Existing health conditions refer to Type 2 Diabetes, Pre-diabetes and/or the 3 Highs (high blood pressure, high cholesterol and high Body Mass Index).

3. Provided your application does not require further medical underwriting.

4. Upon death of the Life Assured and if there is no prior claim, Singapore Life Ltd. will pay either:
(a) 100% of the Sum Assured; or (b) total premiums paid; whichever is higher.

If there is any prior claim(s) on the benefits, Singapore Life Ltd. will pay either:
(a) 100% of the Sum Assured less any claim(s) paid on the benefits (other than claim(s) paid on Diabetic Conditions Benefit); or (b) total premiums paid less any claim(s) paid on the benefits; whichever is higher. Critical Illness Benefit, Total and Permanent Disability Benefit and Terminal Illness Benefit are early payouts of the Death Benefit. Please refer to the Product Summary for details.

5. If the Life Assured suffers from any of the covered Diabetic Conditions, Singapore Life Ltd. will pay an additional 20% of the Death Benefit Sum Assured, up to S$25,000 per condition per life. If Singapore Life Ltd. has paid part of the Death Benefit as an early payout in a previous claim, the Diabetic Conditions Benefit will be payable based on the prevailing Death Benefit Sum Assured. This benefit ceases once the additional 20% of the Death Benefit Sum Assured is fully paid out under this benefit or when the policy terminates, whichever is earlier. Only one claim can be made on the same Diabetic Condition. Any claim made on the Diabetic Conditions Benefit will not reduce the Sum Assured of the other benefits. Please refer to the Product Summary for details.

6. Diabetic Conditions covered:
(a) Coma due to Hyperosmolar Hyperglycemic State (HHS): A serious acute complication of diabetes characterised by severe hyperglycemia with no ketoacidosis.
(b) Limb Amputation due to Diabetic Complications: The actual undergoing of amputation of a leg / foot at ankle or above / arm / hand at wrist or above to treat gangrene that has occurred because of a complication of diabetes.
(c) Diabetic Nephropathy: A definite diagnosis of diabetic nephropathy by a Specialist and is evident by eGFR less than 30 ml/min/1.73 m2 with ongoing proteinuria greater than 300mg/24 hours.
(d) Diabetic Ketoacidosis: A serious acute complication of diabetes characterised by ketoacidosis (high levels of blood acids called ketones) and hyperglycemia. Please refer to the Product Summary for the detailed definitions of the Diabetic Conditions.

Please refer to the Product Summary for the detailed definitions of the Diabetic Conditions.

7. If the Life Assured undergoes Angioplasty & Other Invasive Treatment for Coronary Artery, Singapore Life Ltd. will pay 10% of the Sum Assured (subject to the maximum claimable limit of S$25,000) and reduce the Sum Assured by the same amount. Singapore Life Ltd. will only pay once for Angioplasty & Other Invasive Treatment for Coronary Artery and this benefit is an early payout of the Death Benefit. All benefits for the Life Assured will continue to be payable based on the prevailing Sum Assured after Singapore Life Ltd. makes the payment for Angioplasty & Other Invasive Treatment for Coronary Artery. Please refer to the Product Summary for details.

8. Source: National Population Health Survey 2022, Epidemiology & Disease Control Division and Policy, Research & Surveillance Group Ministry of Health and Health Promotion Board, Singapore, retrieved on 27 June 2025 from https://isomer-user-content.by.gov.sg/3/28c3b8f9-9216-46be-8fc9-b614098666a9/nphs-2022-survey-report_final.pdf

9. Source: Singapore Stroke Registry Annual Report 2022, retrieved on 27 June 2025 from https://nrdo.gov.sg/docs/librariesprovider3/default-document-library/ssr-annual-report-2022_web.pdf?sfvrsn=7bd47466_1

10. Illustration is based on a male, non-smoker, 35 Age Next Birthday, who bought a Sum Assured of S$100,000 for policy term of 45 years. He is diagnosed with Type 2 Diabetes and his latest Haemoglobin A1c (HbA1c) reading within the last 12 months as provided by a doctor is 7.5%.

Downloads

Singlife Essential Critical Illness Product Brochure

PDF (410.5 KB)

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Disclaimers

This policy is underwritten by Singapore Life Ltd.

This is published for general information only and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. You may get a copy of the Product Summary from Singapore Life Ltd. and the participating distributors’ offices. You should read the Product Summary before deciding whether to purchase the product. You may wish to seek advice from a financial adviser representative before making a commitment to purchase the product. If you choose not to seek advice from a financial adviser representative, you should consider whether the product in question is suitable for you.

As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely. Buying a health insurance policy that is not suitable for you may impact your ability to finance your future healthcare needs. This is not a contract of insurance. Full details of the standard terms and conditions of this policy can be found in the relevant policy contract.

Information is accurate as at 27 August 2025. This advertisement has not been reviewed by the Monetary Authority of Singapore.

COMP/2025/08/MKT/475

This policy 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 or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

I’m Interested

We’re glad to know you’re interested in a better way to financial freedom. Leave your details and we will get back to you.

For product and promotion related queries, you can reach us at 6827 9933 (Mon-Fri, 8.45am to 5.30pm). If you’d like to speak to someone, our team at Singlife Financial Advisers Pte Ltd (“SFA”) is here to help. You can reach them at 6827 9980 (Mon – Fri, 9am to 6pm).

SFA is a wholly owned subsidiary of Singapore Life Ltd. (Singlife). Singlife has an introducer arrangement with SFA, a licensed financial adviser which distributes Singlife products. As an introducer to SFA, Singlife will not receive remuneration for this arrangement. 

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