What is the most cost effective Term Insurance with Early Critical Illness?

Hi anon,

This really depends on a number of factors such as your age, gender, so it is not possible to fully answer your question.

However, I will say that in terms of comprehensiveness of coverage, many insurers will cover beyond the usual early/intermediate/late stage of the standard list of CIs; Aviva for example does cover 131 conditions over 59 CIs, China Taiping covers 137 conditions over 55 CIs, and this is before considering special benefits coverage for conditions such as diabetic complications.

One option is to speak to an independent financial advisor who can advise on multiple insurer's products, so that you will have a good idea of the plans on the market and their scope of coverage.

Hi there,

If you are looking for term coverage, which focuses on early critical illness(ECI) payouts, you can explore Prudential. We are the only company that provides recurrent and relapse coverage for ECIs at the moment. To my knowledge, we currently have the most effective solution when you do a cost-benefit analysis.

Do reach out with a contact request. to find out more with regards to what we might be able to do for you. Hope i was able to address your queries!