Best critical illness plan

Best critical illness plan What is a Critical Illness Plan? Critical illness insurance provides a lump-sum payout when you are diagnosed with a covered illness such as cancer, stroke, or heart attack. This payout can be used for: Daily living expenses Loss of income during recovery Alternative treatments not covered by hospital plans Long-term care or lifestyle adjustments Unlike hospitalisation insurance, CI insurance is not limited to medical bills — you decide how the money is used. Read more: Do I need a critical illness plan? Early, Intermediate & Late-Stage Critical Illness Coverage Explained Modern CI plans in Singapore typically cover illnesses at different stages: Early-Stage CI Pays upon early diagnosis (e.g. carcinoma in situ, early stroke) Helps with early treatment and income replacement Most claims in Singapore occur at early stages Intermediate-Stage CI Covers illness progression Acts as a buffer before full late-stage payout Late-Stage CI Pays when illness becomes severe or life-threatening Traditionally the only stage covered by older CI plans Best practice in 2026: Choose plans that cover early + late stages, or offer multi-claim (multipay) coverage.