At a Glance

The protection you need to truly enjoy life

You can feel invincible when you’re younger, and why wouldn’t you? You’re in the prime of life! That’s probably why 44%6 of young adults put off CI cover until they’re older. But the perfect time to get yourself covered is while you’re younger.

Critical Illness cover gives you a lump sum payout to help with both medical and non-medical expenses. This allows you to take time off work to focus on your recovery.

Get covered between 3 January 2022 and 28 Feb 2022 to enjoy a 30% discount on eCriticalCare and pay as little as S$4/month1 for your premiums!

Plus, receive a pair of Manulife Sky Net Bouncing Tickets (worth $39.60) on top of the existing offer when you sign up during the same period.

Apply now


Cover for ICU hospitalization in case of unforeseen event - accident, new infections e.g COVID-19


Get comprehensive cover for death and 37 different critical illnesses


3 simple online questions and no medical check-up required


Features & Benefits

  • Insurance for First-Timers - Start your basic protection needs with a coverage amount of S$50,000 and policy term of 10 years
  • Comprehensive Coverage. Be covered against death2 and 37 critical illnesses3 such as Major Cancer and Heart Attack of Specified Severity with a lump sum payout.
  • Recovery Care Benefit for unforeseen conditions. Receive 30%4 of the coverage amount in advance upon staying in an Intensive Care Unit (ICU) for a total of 5 consecutive days (including High Dependency Unit5 (HDU) if required) due to unforeseen conditions such as illnesses, accident, unknown diseases, or as medically required.
  • Affordable Premiums: Start from only S$4/mth1.
  • Easy Application. Just answer 3 simple questions, no health check-ups required.

Terms and conditions apply, refer to the Sample Policy Contract for more details.

How It Works


How to Apply for eCriticalCare

Apply Now No wait, no hassle. Your details are pre-filled when you apply on digibank.
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When it comes to managing money, there’s no one-size-fits-all plan. That’s why we built DBS NAV Planner on DBS digibank: An intuitive digital tool that helps you track, protect and grow your money in a way that works for you. Not just for a day, a month or a year, but as you go through life. This is DBS digibanking.

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Multiply your interests:

Are you a Multiplier customer? Get up to 3.00% p.a. interest on your savings when you apply and pay your premiums through Multiplier.


Frequently Asked Questions

eCriticalCare provides coverage for 37 advanced stage critical illnesses (CI). Upon diagnosis of any of the 37 covered CI listed in the contract while the policy is in-force, we will pay 100% of the coverage amount.

For Angioplasty and Other Invasive Treatment for Coronary Artery, we will advance 10% of the coverage amount, capped at S$25,000 and you will continue to be covered.

Please refer to the Sample Policy Contract for the precise terms, conditions and exclusions.

No. 30% of the coverage amount will be paid in advance under the Recovery Care Benefit in the event that admission to an ICU of a hospital for a total of 5 consecutive days (including HDU if required) as medically required. The policyholder can then use this payout to cover loss of income for time taken off work to recover or other expenses incurred during recovery.

No. If the life insured is diagnosed with a critical illness and survived for at least 7 days from date of diagnosis or date of treatment (depending on CI), the critical illness benefit will be paid out and the policy terminates. Otherwise, only the death benefit shall be payable.

Please refer to the Sample Policy Contract for the precise terms, conditions and exclusions.

Foreigners who are Singapore permanent residents may apply. Do refer to the Frequently Asked Questions relating to Eligibility & Underwriting.

You may write in to to terminate your policy and there will be no cash value if you choose to do so.

If you have further product-related enquiries, please email Manulife at If you are facing technical difficulties, you may explore our live chat service in DBS/POSB digibank online.
 Refer to the Frequently Asked Questions for more details.

Related Reads



1 This premium amount is calculated based on a male non-smoker aged 18 with coverage amount of S$50,000 for a policy term of 10 years. Premium for non-smoker age 30 S$5.37/mth. T&Cs apply.
2 In the event of death, 20% of the coverage amount will be paid. Please refer to Sample Policy Contract for more details.
3 100% of the coverage amount will be paid upon diagnosis of any one of the 37 covered critical illnesses (apart from Angioplasty and Other Invasive Treatments for Coronary Artery in which we will advance 10% of the coverage amount, capped at SGD 25,000 and you will continue to be covered). Please refer to Sample Policy Contract for more details.
4 This benefit can only be claimed once. The coverage amount will be reduced by the amount paid under the Recovery Care Benefit. Please refer to Sample Policy Contract for more details.
5 High Dependency Unit (HDU) is one level of care below that of an Intensive Care Unit (ICU).
6 Source:

In Collaboration with Manulife

eCriticalCare is issued and underwritten by Manulife (Singapore) Pte. Ltd. ("Manulife") (Reg. No. 198002116D) and distributed by DBS Bank Ltd ("DBS").

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Information is correct as at 26 October 2021.

DBS Insurance Important Notes

Important Information

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