The policy term is till age 85 (age next birthday).
GREAT Critical Cover: Top 3 CIS
Be protected against the 3 most common critical illnesses
Apply and get up to $1,200 one-time cash rewardFind out more
Benefits
Be covered for the top 3 critical illnesses (CIs)
Receive coverage for early, intermediate and critical stages of cancer, heart attack and stroke.
Pick from 3 coverage tiers
Choose a coverage of $100,000, $200,000 or $350,000, depending on your financial capability and needs.
Receive up to 3 payouts
Get a maximum amount of $1,050,000 across 3 payouts when you choose the optional rider. This is based on a $350,000 coverage amount.
Protects you in your later years
This policy will cover you until you reach 85 years old (age next birthday).
How it works
This illustrates a scenario where you have coverage of $350,000.
Disclaimer:
*For cancer and heart attack, there is a waiting period of 90 days (from the inception or reinstatement date of the policy or rider) before you can make a claim.
#Upon diagnosis of 2nd or 3rd critical illnesses.
i) For a different type of critical illness
You can only make the 2nd claim 12 months after making the 1st claim. For example, cancer and heart attack are considered different types of critical illnesses.
ii) For the same type of critical illness
You can only make the 2nd claim 24 months after making the 1st claim. For example, breast cancer and lung cancer are considered the same type of critical illness.
iii) Similar terms apply in the event of a 3rd payout. After the 3rd payout the policy will be terminated.
Disclaimer:
*For cancer and heart attack, there is a waiting period of 90 days (from the inception or reinstatement date of the policy or rider) before you can make a claim.
LET US GUIDE YOU
Find out how much critical illness coverage you need
Get personalised suggestions for each type of coverage on the OCBC Digital app.
Promotion
Get an estimate on premiums
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View your estimated annual premium for the 1st year
The premiums shown below are inclusive of a 10% discount. Please note that you will need to choose 'up to 3 times payout' in the above selection if you wish to add on the optional rider.
Before you apply
Eligibility requirements
19 to 60 years old (age next birthday)
Important notes
GREAT Critical Cover: Top 3 CIs is provided by The Great Eastern Life Assurance Company Limited, a wholly owned subsidiary of Great Eastern Holdings Limited and a member 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. 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.
As this product has no savings or investment feature, there is no cash value if the policy ends or is terminated prematurely.
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 product summary and policy illustration (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.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information presented as at 1 January 2024.
Policy Owners' 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).
Common questions
More questions and answersWhat is the policy term?
What are the types of critical illnesses covered?
Cancer
-
Early stage
- Carcinoma in situ;
- Early Prostate Cancer;
- Early Thyroid Cancer;
- Early Bladder Cancer;
- Early Chronic Lymphocytic Leukemia;
- Neuroendocrine tumours;
- Gastro-Intestinal Stromal tumours; or
- Bone Marrow Malignancies
-
Intermediate stage
Carcinoma in situ of Specified Organs treated with Radical Surgery
-
Critical stage
- Major cancer
Heart attack
-
Early stage
- Cardiac Pacemaker Insertion
- Pericardectomy
-
Intermediate stage
- Cardiac Defibrillator Insertion
- Early Cardiomyopathy
-
Critical stage
- Heart Attack of Specified Severity
Stroke
-
Early stage
- Brain Aneurysm Surgery
- Cerebral Shunt Insertion
-
Intermediate stage
- Carotid Artery Surgery
-
Critical stage
-
Stroke with Permanent Neurological Deficit
-
You are advised to read the policy wording for more details.
Will the payout be the same regardless of the type of critical illness?
Yes. You will receive 100% of the sum assured you have chosen, regardless of the type of critical illness.
Is the premium fixed or does it increase over the years?
The premium will increase each year with age. Find out more in the OCBC Digital app.
VIEW PRICING AND APPLY
Apply for GREAT Critical Cover today and get up to $1,200 one-time cash reward
Alternatively, you can get us to contact you.
Do not have the app?
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Why should I be protected up to 3 times?
Financial impact on you
Critical illness can not only wipe your savings but also your family’s savings. 1 in 3 of critically ill patients incur more than $250,000 in medical and hospitalisation bills.
In addition, you may still need to be accountable for other expenses such as mortgage and family living expenses.
Statistics on being diagnosed for critical illnesses multiple times
Statistics show patients who had their first encounter with cancer, heart attack or stroke might have subsequent diagnoses within 1 to 5 years.
Heart attack
Heart attack patients have:
- 20% chance of getting a second heart attack within 5 years
- a higher risk of a subsequent stroke
Stroke
Stroke patients have:
- 23% chance of getting a second stroke
- 2 times the risk of a heart attack a year after a stroke
Cancer
The recurrence rate for patients of various types of cancers are:
- 75% for Lung cancer
- 33% for Colon cancer
- 30% for Breast cancer
- 25% for Prostate cancer
Sources: Singapore cancer registry, John Hopkins Medicine, American Heart Association, Great Eastern.
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By clicking on "Proceed", you acknowledge the following:
- You have chosen not to seek advice on the suitability of this product. You should consider if this product is suitable for your financial circumstances or needs.
Scan to start application:
| Your first annual premium ($) | One-time cash reward ($) |
|---|---|
| Below 500 | — |
| 500 to 799 | 50 |
| 800 to 2,399 | 118 |
| 2,400 to 3,599 | 348 |
| 3,600 to 4,999 | 548 |
| 5,000 to 7,999 | 758 |
| 8,000 to 11,999 | 1,188 |
| 12,000 to 19,999 | 1,788 |
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