At a Glance

Recover with confidence

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

Reduce the gaps in your insurance

Get comprehensive cover for death and 37 different critical illnesses

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3 simple online questions and no medical check-up required

eCriticalCare is applicable for all Singapore Citizens, Singapore Permanent Residents and those residing in Singapore between 18 to 60 years old.

eCriticalCare protects you against 37 critical illness and unforeseen conditions with Recovery Care Benefit. Fuss-free application with 3 simple questions and no health checks.

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Features & Benefits

  • 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.
  • Customise your plan. Choose from a coverage amount between SGD 50,000 to SGD 300,000 to suit your protection needs.
  • Flexible Policy Term. Between 10 to 40 years, in multiples of 5 years, up to age 85.
  • Affordable Premiums: Start from only S$5.72/mth1.
  • Easy Application. Just answer 3 simple questions, no health check-ups required.

Find out more about the features and exclusions of this policy.


How It Works


How to Apply for eCriticalCare

No wait, no hassle. Your details are pre-filled when you apply on digibank.

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Get more Benefits

Earn bonus interest on your DBS Multiplier Account with all Manulife protection or endowment plans distributed by DBS. Find out more.

  • No minimum regular or single premium amount
  • Pay with cash or SRS^
  • Earn bonus interest for 12 months consecutively

^Selected policies only


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.


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.

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).


The information herein is published by DBS Bank Ltd (“DBS Bank”) and is for general information only and should not be relied upon as financial advice. This publication may not be reproduced, or communicated to any other person without prior written permission. This website does not take into account the specific investment objectives, financial situation or needs of any particular person. Before entering into any transaction involving any product mentioned in this website, where applicable, you should seek advice from a financial adviser regarding its suitability for your own objectives and circumstances. If you choose not to do so, you should make an independent assessment and do your own due diligence on the product. This advertisement has not been reviewed by the Monetary Authority of Singapore. The website herein is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation.

In Collaboration with Manulife

eCriticalCare is issued and underwritten by Manulife (Singapore) Pte. Ltd. ("Manulife") (Reg. No. 198002116D) and distributed by DBS. It is not an obligation of, deposit in or guaranteed by DBS.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (“SDIC”). Coverage for the policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Manulife or visit the Life Insurance Association or SDIC websites ( or

Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$75,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

DBS Insurance Important Notes

Important Information

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