No, your premiums will not increase with age. Please note that premium rates are not guaranteed and may be adjusted based on future experience.
Cancer Guard
Full payout upon cancer diagnosis at any stage
Enjoy up to S$2,250 cash rewards. T&Cs apply.Find out more
Here to support you when recovery matters most
FEATURES AND BENEFITS
100% cash payout - even for early-stage cancer diagnosis
Not all critical illness plans cover early-stage cancer. With Cancer Guard, receive a lump sum cash payout on 100% of your sum assured upon diagnosis of cancer for any stage (early, intermediate or late stage). This payout allows you to take control of your treatment and recovery, whilst supporting everyday family expenses during this period.
Not all critical illness plans cover early-stage cancer. With Cancer Guard, receive a lump sum cash payout on 100% of your sum assured upon diagnosis of cancer for any stage (early, intermediate or late stage). This payout allows you to take control of your treatment and recovery, whilst supporting everyday family expenses during this period.
Premium stays the same as you age
With some other plans, premiums increase as you get older, which means you may pay higher premiums in total over the policy lifetime. With Cancer Guard, your premium stays the same as you age so you enjoy stable costs throughout your policy.
With some other plans, premiums increase as you get older, which means you may pay higher premiums in total over the policy lifetime. With Cancer Guard, your premium stays the same as you age so you enjoy stable costs throughout your policy.
Up to S$350,000 in coverage, up to age 85
Choose your preferred coverage of S$100,000, S$200,000 or S$350,000, with policy terms up to age 65, 75 or 85 (age next birthday).
Choose your preferred coverage of S$100,000, S$200,000 or S$350,000, with policy terms up to age 65, 75 or 85 (age next birthday).
Death benefit
In the event of death, there will be a lump sum cash payout equivalent to 5% of the policy’s sum assured to help with any potential financial strains.
In the event of death, there will be a lump sum cash payout equivalent to 5% of the policy’s sum assured to help with any potential financial strains.
Easy online application
Easy online application with a few simple health questions. No medical check-up required. Apply online in just 10 minutes.
Easy online application with a few simple health questions. No medical check-up required. Apply online in just 10 minutes.
All ages specified refer to age next birthday. Premiums are based on non-smoker rate excluding any discounts and are rounded up to the nearest dollar. Premium rates are not guaranteed and may be adjusted based on future experience of the plan. Adjusted rates, if any, will be advised prior to policy renewals.
All ages specified refer to age next birthday. Premiums are based on non-smoker rate excluding any discounts and are rounded up to the nearest dollar. Premium rates are not guaranteed and may be adjusted based on future experience of the plan. Adjusted rates, if any, will be advised prior to policy renewals.
WHY CANCER GUARD MATTERS
Rising cancer incidence, especially among younger adults under 40
With 50 people being diagnosed and 17 people dying from cancer every day, cancer continues to be the #1 cause of death in Singapore1.
More worryingly, cancer diagnosis of those under age 40 have increased by 34% from 2019-2023 vs. 2003-20072. The highest cancer incidence growth rates were observed in men aged 30-39 and women aged 40-492.
Having insurance coverage in place early can help you stay prepared for life’s unexpected moments.
With higher survival rates, cancer coverage now needs to cover the growing costs of recovery.
With strong medical advances in recent years, cancer survival rates have improved significantly from just 19.5% to 61.4% in 20233.
However, recovery often involves other long-term care costs that are not accounted for in most individual’s cancer coverages.
Non-medical expenses such as hiring domestic help, loan repayments, and ongoing daily household costs can quickly add up.
A lump-sum cash payout can potentially help to cover these additional costs, easing financial stress during recovery.
Can you afford to stop working?
Patients often need to step away from work to focus on treatment and recovery, and without a steady income, meeting everyday expenses becomes increasingly difficult.
Cancer Guard provides a lump-sum cash payout that comes in handy to help cushion the financial impact of lost income, giving you the peace of mind to focus on your recovery.
The Life Insurance Association of Singapore (LIA) recommends critical illness coverage of 4 times one’s annual income4 .
That means:
- S$192,000 if you earn S$4,000 a month
- S$264,000 if you earn S$5,500 a month
- S$336,000 if you earn S$7,000 a month
Do you have enough?
Exclusive sign-up offer
ARE WE DOING ALL WE CAN, WHILE WE CAN?
Family means everything, but sometimes our busy lives make it easy to miss those important chats about health and protection.
Celebrity chef Lennard Yeong shares how using the OCBC app helps him uncover the right solutions to safeguard his family’s future.
Every moment together is previous – let us bridge the gaps with you.
FAQS
Common questions
More questions and answersWill my premiums increase with age?
How is my premiums determined?
Your premiums are determined by your age at the point of application, gender, smoking status as well as your choice of coverage and coverage term.
What is a pre-existing condition and why does it matter?
A pre-existing condition is any condition that existed before the date of issue or the date of any reinstatement (if applicable) of this policy for which:
- there were symptoms which would cause an ordinarily prudent person to seek diagnosis, care, or treatment; or
- medical advice or treatment was recommended by or received from a medical practitioner; and/ or
- the life assured has undergone medical tests or investigations.
It matters as Great Eastern will not pay the cancer benefit claims that are directly or indirectly caused by, or result from, a pre-existing condition.
BEFORE YOU APPLY
More Information
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Footnotes
1https://www.straitstimes.com/singapore/health/more-young-adults-teens-in-singapore-being-diagnosed-with-cancer
2https://www.nccs.com.sg/news/patient-care/singapores-cancer-screening-gap-is-widening-at-a-critical-moment
3https://singaporecancersociety.org.sg/images/SCS-Understanding-Cancer-in-Singapore-Insights-Across-National-Reports.pdf
4https://www.lia.org.sg/media/3974/lia-pgs-2022-report_final_8-sep-2023.pdf
Important notes
Cancer Guard is underwritten by The Great Eastern Life Assurance Company Limited, a wholly owned subsidiary of Great Eastern Holdings Limited, part of the OCBC Group. This plan is not a bank deposit and OCBC Bank does not guarantee or have any obligations in connection with it.
This document does not take into account your particular investment and protection aims, financial situation or needs. This is only product information provided by us. You may want to seek advice from a financial adviser before committing to buy the product. If you choose not to seek advice from a financial adviser, you should consider whether the product is suitable for you. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.
You may terminate the policy during the free-look period (if any) if you decide that the purchased policy is not suitable for you. Note that by doing so, the insurer may recover from you any underwriting expense incurred. It is usually detrimental to replace an existing accident and health plan with a new one. A penalty may be imposed for early plan termination and the new plan may cost more, or have less benefits at the same cost.
This document is for general information only. It is not a contract of insurance or an offer to buy an insurance product or service. It is also not meant to provide any insurance or financial advice. The specific terms and conditions of the plan are set out in the policy documents. If you are interested in the insurance policy, you should read the policy illustration and product summary (available from us) before deciding whether to buy this product
We do not guarantee, represent or warrant that any of the information provided in this document is accurate and you should not rely on it as such. We do not undertake to update the information or to correct any inaccuracies.
All information may change without notice. We will not be liable for any loss or damage arising directly or indirectly in connection with or as a result of you acting on the information in this document.
As this product has no savings or investment feature, there is no cash value if the policy ends or is terminated prematurely.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information presented as at 1 April 2026.
Policy's Owner's Protection Scheme
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your 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 us or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
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| Your first annual premium | One-time cash reward |
|---|---|
| Below S$500 | - |
| S$500 to S$999 | S$75 |
| S$1,000 to S$1,999 | S$150 |
| S$2,000 to S$3,999 | S$300 |
| S$4,000 to S$7,999 | S$600 |
| S$8,000 to S$14,999 | S$1,200 |
| S$15,000 and above | S$2,250 and S$750 for every subsequent S$5,000 annualised premium |