Compare Critical Illness Plans

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5 Types of Critical Illness Plans

cancer red ribbon

Cancer Cover

Early stage critical ilklness

Women's Cover

multipay critical illness shield

Early-Stage Critical Illness

later cancer flower

Late-Stage Critical Illness

whole life heart beat

Multi-Pay Critical Illness

Tell me more about 
Critical Illness Plans

 

Critical Illness plans complement your Medical Cards as it pays out a lump sum and can be used to cover periods of unemployment during recovery or to purchase additional medical equipment or modifications to your home (eg installing a ramp).

Aim for a coverage level at about 5 years of your annual income to give you piece of mind during your recovery.

We have compared the 5 different types of critical illness plans in the market below. 

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Comparison of Critical Illness plans

cancer red ribbon

Cancer Cover

Early stage critical ilklness

Women's Cover

multipay critical illness shield

Early-Stage Critical Illness Cover

later cancer flower
Late-Stage Critical Illness Cover
whole life heart beat
Multi-Pay Critical Illness Cover
Description

Covers early to late-stage cancers.  

 

Covers female cancers and female organ removal procedure. 

Some plans provide additional coverage for pregnancies.

Typically available as a rider on an Investment Linked plan. This type of rider covers you for early to intermediate-stage critical illnesses. 

Available as a rider to Investment-Linked plans or as a standalone plan.

Available:

  • Plans with no medical check up
  • Plans for applicants who are in remission from cancer

Pays out multiple times for different stages of critical illnesses as well as different critical illnesss groupings. 

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Here are some common questions about Critical Illness plans

1. Should I apply for my Critical Illness cover now or wait till I am older and more likely to get struck by Critical Illness?

Our advice is that you get your Critical Illness Insurance cover as soon as possible. As you get older, there is a high chance that you would develop medical conditions. Even if these medical conditions are not classified as "critical illness", it may mean that insurer would not be willing to offer you any cover at that time.

 

2. Which critical illness plan is right for me?

It is really a balance of the premium that you have to pay and the peace of mind that you get with a more comprehensive cover. If you are younger, we recommend that you consider getting more comprehensive plans as the premium rates are still affordable. If you are older and you have a lower budget, then consider the cancer plans or late-stage critical illness plans. 

 

3. Are the premium rates guaranteed?

Generally, the premium rates for critical illness plans are not guaranteed.

 

4. Do I need to go for a medical examination if I apply for Critical Illness Insurance?

Unless otherwise stated, you may need to go for a medical examination. Note that we do have plans that do not require you to go for a medical examination. Check out our online comparison.

 

 

InsureDIY Sdn Bhd is a financial adviser licensed by BNM and is authorised to distribute insurance in Malaysia.