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In 2016, the Singapore government declared War on Diabetes, to rally a whole-of-nation effort to reduce the toll that diabetes can bring to the healthcare system, especially in an ageing population. Diabetes, if left untreated, can lead to significant health complications such as Blindness due to Diabetic Retinopathy, Heart Disease, and Kidney Disease.


Living with diabetes can be challenging as it means altering your lifestyle, diet, and daily medication to control diabetes. Above all the challenges, one may face unexpected financial difficulties if they are faced with hefty treatment cost and if they are uninsured.

Traditionally, one will be rejected due to medical underwriting when applying for Life and Health insurance when already diagnosed with Diabetes. With this in mind, insurers recognize that there is a need to address this protection gap for the Diabetic. In this article, we will be exploring the various plans in the market that provide insurance coverage for the Diabetic.


Insurance for the Diabetic that provides Critical illness coverage
Plan Singlife Essential Critical Illness Manulife Critical SelectCare Ntuc Cancer Protect
Death Coverage 100% of sum assured


TPD Coverage 100% of sum assured NA NA
List of CI covered

1. Major Cancer


2. Heart Attack of Specified Severity


3. Stroke


4. Blindness


5. Coronary Artery By-pass Surgery


6. End Stage Kidney Failure


7. Other Serious Coronary Artery Disease


8. End Stage Lung Disease


9. Irreversible Loss of Speech


10. Major Burns


11. Deafness


12. Major Head Trauma


13. Severe Bacterial Meningitis


14. Angioplasty

1. Major Cancer


2. Heart Attack of Specified Severity


3. Stroke


4. Alzheimer's Disease/ Dementia


5. Idiopathic Parkinson's Disease


6. End Stage Lung Disease


7. Fractures of Specified Sites due to Accident

1. Early and Major Cancer
Diabetic conditions Benefit

1. Coma due to Hyperosmolar Hyperglycemic State (HHS)


2. Diabetic Nephropathy


3. Limb Amputation due to Diabetic Complications


4. Diabetic Ketoacidosis

1. Severe Rheumatoid Arthritis


2. Osteoporosis With fractures

No claim reward Refund of 20% of total premiums paid Refund of 25% of total premiums paid NA
Minimum Entry Age 25 years old 40 years old 30 years old
Maximum Entry age 65 years old 70 years old 64 years old


Conclusion to insurance plans that covers the Diabetic in Singapore


Why you may like Singlife Essential Critical Illness:
Singlife Essential Critical Illness provides the highest number of Critical Illness coverage to address health risk posed by Diabetes. The plan also provides 100% of sum assured to cover for Death as well as Total and Permanent Disability. In the best case scenario when there is no claim involved, the plan also rewards the policyholder by refunding 20% of the premiums paid.

Why you may not like the plan: With the comprehensive coverage that comes with the plan, the premium for the plan may be higher as compared others.


Why you may like Manulife Critical SelectCare:
Simplified application for Manulife Critical SelectCare comes with only 3 medical underwriting questions, which welcomes coverage acceptance for most individuals. In addition, the plan also covers 3 major illnesses in Singapore, namely Major Cancer, Heart Attack and Stroke. In the best case scenario when there is no claim involved, the plan also rewards the policyholder by refunding 25% of the premiums paid.

Why you may not like the plan: The entry age of the plan starts at age 40, and it also provides low death coverage.


Why you may like AIA Diabetes Care:
AIA Diabetes Care provides the option to add in Early Cancer rider to cover cancer of all stages.

Why you may not like the plan: The plan does not accept individuals who are smokers.


Why you may like Ntuc Cancer Protect:
Ntuc Cancer Protect is very affordable and covers all stages of Cancer, and also provides accidental death coverage. Application for the plan is simplified which allows easy acceptance.

Why you may not like the plan: The plan only covers one critical illness.


On top of the life insurance plans discussed above, one may also consider Accident plans and HSBC global Care to address the gap for accident and health medical insurance. 


Living with diabetes can be financially challenging if left uninsured. Speak to our trusted financial advisors to discuss and recommend the best plans for you.


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