Is an insurance covering female dreaded illnesses necessary if I already have a CI plan?

Hi anon,

I would say that there is actually a fair bit of overlap between a female illness policy compared to a traditional CI plan.

However, there are some things which set a female illness plan apart. For example, some of these may not be claimable from a typical CI plan, but may be claimable from a female illness poicy.

• Urinary Incontinence requiring Surgical Repair

• Uterine Prolapse

• Pelvic Relaxation requiring Surgical Repair

• Thyroid disorders causing Thyroid Storm

• Polycystic Ovarian Syndrome

There are also payouts for medical procedures, reconstructive surgery, etc, which a typical CI plan will not pay for. The exact coverage depends on the plan you buy as a few insurers have such plans.

If budget permits, you can consider one, but I don't personally think it's a must have.

Lastly, take note that it will be a term plan which is payable every year.

Treat it as a supplement. It is not a need. It is better to simply use the extra premiums to boost your main coverage - ECI, Death, TPD and CI.

If you have enough coverage for the above, you can consider adding them as a supplementary benefit.

It complements existing coverage for females due to benefits apart from the sum assured - this includes things like biennial check-ups, reconstruction of the breast due to mastectomy. The aforementioned benefits are not covered by event triggers nor hospitalization plans.

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Hi Anon,

Personally, I haven't gotten a female CI add on because it's not within my budget at the moment. But I do plan to get one perhaps in the next couple of years.

Here's a list for the common types of cancer in Singapore.

And let me refer you to this question thread for more opinions.

Hope this helps!​​​

Hey there!

Its not compulsory but its a good-to-have. I do have female clients who have had health scares in their early 40s and you never know. Of course, if you have the budget for it, you can either go for a specific female illness plan or a term plan to top up whatever existing coverage you have.

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