Critical Illness

GREAT Critical Cover: Comprehensive Protection Against Life's Uncertainties

Did you know that 1 in 4 Singaporeans may develop a critical illness by the age of 75 ? Or that over 90% of critical illness claims come from just five conditions , including major cancers, heart attack, and stroke? These statistics highlight the importance of having robust critical illness coverage. If you're looking for a plan that offers comprehensive protection and continues to cover you even after your first claim, GREAT Critical Cover might be the solution you've been searching for.

Insurance Calculator

Find the right coverage in minutes

  • Accurate coverage estimates
  • Save time with instant results
  • Personalized recommendations

What is GREAT Critical Cover?

GREAT Critical Cover is a series of critical illness insurance plans designed to provide financial protection against a wide range of critical illnesses. What sets it apart is its ability to continue coverage even after you've made a claim , ensuring you're protected over and over again. The series includes two main plans:

  1. GREAT Critical Cover: Complete
  1. GREAT Critical Cover: Top 3 CIs

Let's dive deeper into each plan and explore their unique features.

GREAT Critical Cover: Complete

This plan is ideal if you're looking for your first critical illness plan or want comprehensive coverage against a wide range of conditions.

Key Features

  • Covers 53 critical illnesses

  • 100% lump sum payout for early, intermediate, and critical stages of critical illness

  • Premiums do not increase with age throughout your policy term

Why Choose GREAT Critical Cover: Complete?

  • Comprehensive Coverage: With protection against 53 critical illnesses, you're covered for a wide range of health risks.

  • Full Payout at All Stages: Whether you're diagnosed at an early, intermediate, or critical stage, you'll receive a 100% lump sum payout.

  • Financial Stability: Premiums remain constant throughout your policy term, allowing for better financial planning.

Real premiums suggested for GREAT Critical Cover

23, Male making $2,500 a month

Coverage:
$200,000
Premium:
$772.2
Read More

30, Male making $2,500 a month

Coverage:
hospital income
$100
cancer drug services
as charged
Premium:
$342.75
Read More

24, Female making $4,644.25 a month

Coverage:
death
$25,000
multi pay:
critical illness
$510,000
early critical illness
$510,000
critical illness
$170,000
early critical illness
$170,000
Premium:
$1,143.6
Read More

26, Female making $7,000 a month

Coverage:
critical illness:
num illnesses covered
$30
Premium:
Not provided
Read More

25, Male making $0 a month

Coverage:
ci
$250,000
eci
$250,000
death
$25,000
Premium:
$2,038.5
Read More
Get your own quotes →

GREAT Critical Cover: Top 3 CIs

This plan focuses on the three most common critical illnesses: cancer, heart attack, and stroke. It's perfect if you already have some critical illness coverage but want to boost your protection against these prevalent conditions.

Key Features

  • Covers cancer, heart attack, and stroke

  • 100% lump sum payout regardless of the stage diagnosed

  • Premiums from as low as S$1.00 a day for S$100,000 coverage

  • 10% perpetual discount off your premiums (Terms and conditions apply)

Why Choose GREAT Critical Cover: Top 3 CIs?

  • Focused Protection: Concentrates on the three most claimed critical illness conditions.

  • Full Payout Regardless of Stage: Whether early, intermediate, or critical stage, you receive a 100% lump sum payout.

  • Affordable Premiums: Start with low premiums, making it accessible for most budgets.

  • Flexible Coverage: Option to boost your coverage up to S$350,000 based on your needs.

Enhance Your Protection with Protect Me Again Rider

Both plans offer an optional Protect Me Again rider, which provides additional coverage for up to two more critical illness episodes. This means you can receive a total of three critical illness claims , ensuring continued protection even after your first diagnosis.

How Does the Protect Me Again Rider Work?

This example illustrates how the Protect Me Again rider ensures continued coverage, allowing multiple claims for different critical illnesses or recurrences.

  • First Critical Illness Claim: Grace suffers from an early stage heart attack. She receives a lump sum payout of 100% of the sum assured.

  • Coverage Restores: After 12 months, Grace's coverage restores to 100%.

  • Second Critical Illness Claim: One year later, Grace is diagnosed with early stage cancer. She receives a second payout of 100% of the sum assured.

  • Coverage Restores Again: After 12 months, Grace's coverage restores to 100% once more.

  • Third Critical Illness Claim: Two years later, Grace is diagnosed with critical stage cancer. She receives a final 100% lump sum payout.

Why Compare GREAT Critical Cover with other Critical Illness Options through Whatins?

Traditional Approach

  • Limited visibility into critical illness definitions
  • Single insurer's critical illness criteria
  • May miss important coverage distinctions

Whatins Advantage

  • Compare critical illness definitions across insurers
  • Understand early, intermediate, and late stage differences
  • See how different critical illness plans complement each other
  • Compare exclusions and waiting periods

Additional Benefits

Both plans come with extra features to enhance your protection:

Angioplasty Benefit

Provides coverage (capped at S$25,000 per life assured) for angioplasty and other invasive treatments for coronary artery disease.

Compassionate Benefit

Offers a lump sum payout of S$25,000 upon the death of the life assured.

Policy Terms and Premium Structure

You can choose a policy term up to age 65 or 85. The premium structure differs between the two plans:

  • GREAT Critical Cover: Complete - Premiums do not increase with age
  • GREAT Critical Cover: Top 3 CIs - Premiums increase gradually every year

Real-Life Scenarios

Early Detection of Cancer

John, aged 40, is diagnosed with early stage lung cancer. With GREAT Critical Cover: Complete, he receives a 100% lump sum payout, helping him cover treatment costs and focus on recovery without financial stress.

Multiple Critical Illnesses

Sarah, aged 50, suffers a heart attack. She claims from her GREAT Critical Cover: Top 3 CIs plan. Two years later, she's diagnosed with breast cancer. Thanks to the Protect Me Again rider, she's able to make a second claim, ensuring continued financial support through her health challenges.

Recurring Cancer

Tom, aged 55, is diagnosed with colon cancer. He claims from his GREAT Critical Cover: Complete plan with the Protect Me Again rider. After successful treatment, the cancer returns three years later. The rider allows him to make a second claim, providing crucial financial support for his ongoing battle.

Pros and Cons

Pros

  • Continued coverage even after first claim (with Protect Me Again rider)

  • 100% payout for all stages of critical illness

  • Option to choose comprehensive coverage or focused protection for top 3 critical illnesses

  • Premiums don't increase with age for GREAT Critical Cover: Complete

  • Additional benefits like angioplasty coverage and compassionate benefit

Cons

  • Premiums increase yearly for GREAT Critical Cover: Top 3 CIs

  • Premium rates are not guaranteed and may be revised based on future experience

  • As this is a protection-focused product, there's no cash value if the policy ends or is terminated prematurely

Frequently Asked Questions

Can I get this plan if I have pre-existing conditions?

You should discuss your medical history with a Great Eastern Financial Representative who can advise on your eligibility.

Is the Protect Me Again rider included in the basic plan?

No, it's an optional rider that you can add for additional coverage.

Can I change my plan later?

You should check with Great Eastern about the options for changing your plan after purchase.

What's not covered by these plans?

Like most insurance policies, there are exclusions. You should refer to the policy contract for precise terms and conditions.

How do I make a claim?

Contact Great Eastern as soon as possible after the diagnosis. They will guide you through the claim process.

Conclusion

GREAT Critical Cover offers a unique approach to critical illness protection, ensuring you remain covered even after making a claim . Whether you choose the comprehensive GREAT Critical Cover: Complete or the focused GREAT Critical Cover: Top 3 CIs, you're taking a significant step towards financial security in the face of health uncertainties.

However, as with any insurance decision, it's crucial to carefully consider your personal needs, health history, and financial situation before making a choice. The best insurance plan is one that aligns with your specific circumstances and provides you with peace of mind.

Ready to explore your options further? Don't rely on just one perspective. Get expert insights tailored to your unique needs . Sign up now to receive 5 expert opinions on critical illness insurance. These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible.

Click here to get 5 expert opinions on critical illness insurance

By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your needs. Don't leave your protection to chance – get the expert advice you deserve today.

Get 5 Expert Opinions on Critical Illness Insurance

Why people were suggested GREAT Critical Cover

Bryan
Bryan, 23
GenderMale
Monthly Income$2,500
Insurance Types Suggested
  • Hospital
  • Personal Accident
  • Critical Illness
  • Endowment
Why GREAT Critical Cover: Complete was suggested:
This term critical illness plan provides a lump sum payout of $200,000 upon diagnosis of any of the 53 covered critical illnesses. The coverage amount is recommended to act as income replacement for at least 3 years while the prospect takes time off work for recovery. The coverage duration till age 65 ensures protection until the typical retirement age.
Andrew
Andrew, 30
GenderMale
Monthly Income$2,500
Insurance Types Suggested
  • Hospital
  • Critical Illness
  • Term Life
  • Investment Linked Plan
Why GREAT TotalCare was suggested:
The GREAT TotalCare plan is specifically recommended for its comprehensive cancer coverage. It provides 'as charged' coverage for cancer drug services, which can be expensive and not covered by other plans. Additionally, it offers a daily hospital income benefit of $100, which can help offset any loss of income during the treatment and recovery period. This plan is highlighted as the overall best integrated shield plan rider for cancer protection.
coco
coco, 24
GenderFemale
Monthly Income$4,644.25
Insurance Types Suggested
  • Hospital
  • Personal Accident
  • Critical Illness
  • Term Life
Why GREAT Critical Cover was suggested:
The GREAT Critical Cover with Multi-Pay option is recommended to provide comprehensive critical illness coverage until age 65. The Multi-Pay feature allows for additional payouts up to $510,000 in case of relapse or another critical illness, ensuring continued financial protection. The lower death coverage is suitable since the focus is on critical illness rather than life insurance.
See all insurance suggestions →