Do I still need CI if I have ECI?

There are some ECI riders/plans which cover early stages of selected cancers and also include selected intermediate or late stage CIs. However there are some standalone riders eg under Mindef/MHA Group Insurance, Living Care Plus rider is specifically for early stage CIs. You need to get the other rider called Living Care if you wish cover for late CI. Another point to note is different plans may differ in the type of conditions and number of conditions covered, so if you're concerned about specific medical conditions, do ensure you check out the full product coverage and get the right plan for yourself.

Hi anon,

​

If you already have ECI coverage, then you would typically, by extension, have Late CI coverage as well. (Do read the product specs just to be sure)

​

However, there is a maximum amount of ECI coverage payout that one can have. This is typically aroiund $250K to $350K depending on the insurer. If you have a need for say, $500K CI coverage, then it would be prudent to have $250K on early/intermediate/late CI and the remaining on late CI.

​

Not forgetting that Late CI cover costs lesser than early CI, and thus to keep the cost reasonable, a mixture of early and late CI cover will probably work well. This provides both the ability to claim on CI, as well as a manageable premium.

​

Personally, I have both, not that I ever want to make a claim.