Is an insurance covering female dreaded illnesses necessary if I already have a CI plan? - Seedly
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Critical Illness (CI)

Anonymous

Asked 3d ago

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

This female dreaded illnesses insurance apparently pays on top of any other insurance I have.

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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.

Financial planning is an integral part of life. You can reach me here to find out more.

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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.

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Lee John
Lee John
Level 7. Grand Master
Answered 2d ago

Which illnessses are you referring to? cancer?

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Question Poster

2d ago

Hmm I think so..? Been seeing a lot of plans for him vs her but mostly for her so was wondering of the importance of such plans? Eg axa criticare for her, prulady, GE ladycare etc...
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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.

Follow me here.​​​

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Clarification: All insurance payouts are independent of the rest. Unlike policies that provide reimbursement, such as your hospitalization plans, payouts from one, will not affect the other (of course some insurers have maximum coverage limit across all their plans).

Necessary or not, may not be dependent on whether you already have a CI plan, but whether your CI plan sufficiently covers your needs. Female dreaded diseases plans have fallen out of favor in recent years as the rise of cancer plans have made them irrelevant. Cancer plans might be covering more conditions for the same or lesser premium.

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Question Poster

2d ago

Ohhhh thank you for your insights! I'll look towards cancer plans as well!
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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!​​​

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Question Poster

2d ago

Hi Rachelle! Am currently using the seedly app to read through posts and answers and comments but what's frustrating me is that I can't click the links which you posted and (on iPhone) there's no way I can copy and paste the link into an IE browser lol but nonetheless, thank you for that other question thread! Will read it up tomorrow :)
Rachelle
Rachelle

2d ago

Hey there, you're right, I tested it on my app as well and the links weren't working well, so sorry for the trouble. I'll feedback this to the UX team. In the meantime, I've added hyperlinks instead and they worked on my app, hopefully they'll work for you too! :)
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Females are more prone to dreaded illnesses compared to males.

That explains the number of insurance plans available for female dreaded illnesses.

However, for many important conditions, these illness are already covered by CI/ECI plans in the market hence if your sum assured on the latter is sufficient, adding on another female dreaded illnesses coverage might come as a surplus and perhaps unecessary.​​​

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Question Poster

2d ago

Wow, appreciate the diagram as well, thank you!
Sam Wai Git
Sam Wai Git

2d ago

Diagram is from NCCS https://www.nccs.com.sg/patient-care/cancer-types/cancer-statistics Pleasure's mine!
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