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eCriticalCare
Get a dose of comprehensive critical illness (CI) coverage.
eCriticalCare
At a Glance
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.
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
Stress free sign up
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.
Terms and conditions apply, refer to the Sample Policy Contract for more details.
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.
Terms and conditions apply, refer to the Sample Policy Contract for more details.
How it works
Footnotes:
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).
How to apply for eCriticalCare
No wait, no hassle. Your details are pre-filled when you apply on digibank.
A Relationship Manager will reach out to you
Navigate money with confidence.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.
To access DBS NAV Planner.
Frequently Asked Questions
Which stage of critical illnesses does eCriticalCare cover?
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.
Does this policy pay based on my medical expenses due to ICU hospitalisation
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.
If the policyholder is diagnosed with a critical illness and then passes on, will both Critical Illness and Death Benefit be paid out?
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.Can foreigners apply?
Foreigners who are Singapore permanent residents may apply. Do refer to the Frequently Asked Questions relating to Eligibility & Underwriting.
How can I terminate my policy?
You may write in to service@manulife.com to terminate your policy and there will be no cash value if you choose to do so.
Who can I contact if I have further queries?
If you have further product-related enquiries, please email Manulife at service@manulife.com. 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.
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 advertisement has not been reviewed by the Monetary Authority of Singapore.
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 (www.lia.org.sg or www.sdic.org.sg).
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.
Information is correct as at 1 March 2022.
DBS Treasures Insurance Important Notes
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