I’m confused is all standalone critical illness plan now a multi claim only? Single claim ci cannot be a standalone as they need to lump tgt with term insurance and tpd??

A large reason why they are lumped together has alot to do with the premium rates from an underwriting standpoint.

If you do the numbers, a standalone CI plan premium level cash savings are not significant enough to warrant it being standalone over a period of 25 years. In fact, the premium might exceed the whole life plan.

This is why it is an industry practise to simply lump it together with death and disability to ensure comprehensive coverage while ensuring that all premiums are paid before you retire.

Hey there!

There are quite a few single claim CI plans. Depending on your needs, you can get it exclusively if you don't want a reduction in your death benefit.

In general, multi-pay CI plans are often sold because of its comprehensiveness so whether you're looking at single claim or multi-pay CI plans, do consult a licensed financial advisor to evaluate your objectives and needs.
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