Best Critical Illness Insurance

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Critical Illness Insurance
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Showing out of 8 insurance product(s)

Allianz Prime Care+

Prime Care+ is a unique critical illness plan that provides extensive coverage against critical illnesses from Early to Advanced stages

Critical illness Coverage
150 critical illnesses
Sum Assured
100% of Prime Care+ insured amount
Coverage Term
Up to age 100
Entry Age
19 - 70 years old

    HealthCover

    HealthCover is a critical illness plan that provides the needed financial support upon diagnosis.

    Critical illness Coverage
    36 critical illnesses
    Sum Assured
    Up to 100% of Allianz Powerlink insured amount
    Coverage Term
    Up to age 100
    Entry Age
    -

      Generali eCritical Early Care

      A plan that provides 50 conditions of Early and Advanced Stages critical illnesses that you can purchase online

      Critical illness Coverage
      50 conditions of early and advanced stages critical illnesses
      Sum Assured
      RM250,000
      Coverage Term
      Up to age 80
      Entry Age
      17 - 55 years old

        FWD Takaful Big 3 Critical Illness

        FWD Big 3 Critical Illness is a yearly renewable term takaful plan. It is a critical illness plan that pays you takaful benefit when you are diagnosed with Cancer, Heart Attack or Stroke.

        Critical illness Coverage
        150 critical illnesses
        Sum Assured
        RM250,000
        Coverage Term
        Up to age 75
        Entry Age
        17 - 65 years old

          Generali eCombo (eCritical Early Care)

          Affordable online critical illness insurance with for up to 50 conditions!

          Critical illness Coverage
          50 critical illness conditions
          Sum Assured
          Up to RM250,000
          Coverage Term
          Up to age 80
          Entry Age
          15 - 60 years old

            FWD Family First

            The takaful plan with a difference. One plan for the whole family!

            Critical illness Coverage
            56 types of illnesses
            Sum Assured
            Up to RM1,000,000
            Coverage Term
            Up to age 75 - Owner and spouse up to age 75 - Children up to age 25
            Entry Age
            17 - 60 years old

              Allianz iCancer Care

              Your comprehensive coverage for Early Stage Cancer or Advanced Stage Cancer

              Critical illness Coverage
              Coverage on early or advanced stage cancer
              Sum Assured
              RM200,000
              Coverage Term
              10 years
              Entry Age
              18 - 60 years old

                HealthCover Plus

                Protection in your time of need

                Critical illness Coverage
                70 critical illnesses
                Sum Assured
                100% of HealthCover Plus insured amount
                Coverage Term
                Up to age 100
                Entry Age
                -

                  HealthCover Enhancer

                  Increase the chances of recovery by enhancing your protection

                  Critical illness Coverage
                  Carcinoma in Situ or precancerous lesions
                  Sum Assured
                  Up to RM40,000
                  Coverage Term
                  -
                  Entry Age
                  -

                    BabyCover

                    Celebrate your joy with our best mother and baby coverage

                    Critical illness Coverage
                    12 critical illnesses
                    Sum Assured
                    RM150,000
                    Coverage Term
                    On the policy anniversary the Life Assured age 18 nearest birthday
                    Entry Age
                    1 - 100 years old

                      Lady Guard

                      Comprehensive protection for women against female related illnesses

                      Critical illness Coverage
                      Female related cancers and illnesses
                      Sum Assured
                      100% of the insured amount payable
                      Coverage Term
                      -
                      Entry Age
                      -

                        AIA A-Life Krtikal Protector

                        A-Life Kritikal Protector is a takaful plan that provides a lump sum to you if you are diagnosed with any of the covered critical illnesses

                        Critical illness Coverage
                        45 types of critical illness
                        Sum Assured
                        -
                        Coverage Term
                        Up to 60 & 70 years old
                        Entry Age
                        14 days - 60 years old

                          AIA A-Plus Beyond Critical Shield & A-Plus Beyond Early Critical Shield

                          A-Plus Beyond Critical Shield is a critical illness protection plan which covers you against 75 advanced critical illness conditions, until age 80.

                          Critical illness Coverage
                          75 advanced stage critical illness
                          Sum Assured
                          Minimum RM20,000
                          Coverage Term
                          Up to 80 years old
                          Entry Age
                          16 - 60 years old

                            PreciousCover

                            Allianz’s PreciousCover and BabyCover would like to accompany both of you in a special journey, from pregnancy to delivery and thereafter.

                            Critical illness Coverage
                            66 critical illnesses
                            Sum Assured
                            RM30,000
                            Coverage Term
                            On the policy anniversary the Life Assured age 5 nearest birthday
                            Entry Age
                            1 - 45 years old

                              AIA A-Life Beyond Critical Care

                              A-Life Beyond Critical Care is here to accompany your health journey and provide you with comprehensive critical illness protection

                              Critical illness Coverage
                              180 critical illness
                              Sum Assured
                              Mnimum RM20,000
                              Coverage Term
                              Up to 80 years old
                              Entry Age
                              16 - 60 years old

                                AIA A-Plus CriticalCare

                                A-Plus CriticalCare is an optional rider attachable to a Traditional Life basic plan or a regular premium Investment-Linked Insurance plan.

                                Critical illness Coverage
                                39 critical illness
                                Sum Assured
                                100% of basic sum
                                Coverage Term
                                Up to age 70, 80 or 100 years old
                                Entry Age
                                14 days - 60 years old

                                  AIA ALife Cancer360i

                                  A-Life Cancer360-i provides protection against Cancer and Early Stage Cancer up to age 80 to help your recovery process.

                                  Critical illness Coverage
                                  Any Cancer
                                  Sum Assured
                                  100% of coverage amount
                                  Coverage Term
                                  Up to 80 years old
                                  Entry Age
                                  14 days - 60 years old

                                    AIA ALife Cancer360

                                    A-Life Cancer360 provides Early Stage Cancer and Cancer coverage up to age 80 to support you in your journey to recovery.

                                    Critical illness Coverage
                                    Any Cancer
                                    Sum Assured
                                    Minimum RM50,000
                                    Coverage Term
                                    Up to 80 years old
                                    Entry Age
                                    14 days - 60 years old

                                      Zurich Critical Care Essential

                                      Protects you against 50 Critical Illnesses with additional payout.

                                      Critical illness Coverage
                                      50 Critical Illness
                                      Sum Assured
                                      Up to RM4,000,000
                                      Coverage Term
                                      Up to 100 years old
                                      Entry Age
                                      14 days to 65 years old

                                        Zurich Critical Care

                                        Affordable 50 Critical Illnesses protection plan for peace of mind.

                                        Critical illness Coverage
                                        50 Critical Illness
                                        Sum Assured
                                        Up to RM4,000,000
                                        Coverage Term
                                        -
                                        Entry Age
                                        14 days to 65 years old

                                          Zurich 3asyCare

                                          Essential protection for life’s most critical moments.

                                          Critical illness Coverage
                                          3 most commonly diagnosed critical illness
                                          Sum Assured
                                          RM100,000
                                          Coverage Term
                                          Up to 80 years old
                                          Entry Age
                                          18 - 50 years old

                                            Takaful Zurich 3asyCare

                                            The protection shield you need for life’s critical moments.

                                            Critical illness Coverage
                                            3 most commonly diagnosed critical illness
                                            Sum Assured
                                            RM100,000
                                            Coverage Term
                                            Up to 80 years old
                                            Entry Age
                                            18 - 50 years old
                                              Show more
                                              Last updated: Dec 4, 2023

                                              FAQs

                                              • A critical illness insurance policy will give out a lump sum payment, which you can use for anything you want. This is useful, because some of the costs associated will illness and hospitalisation are incurred outside the hospital.

                                              • A critical illness plan gives you a lump sum payment if you are diagnosed with one of the covered critical illnesses under the plan you buy.

                                              • To qualify for a critical illness insurance depends on the individual product's terms and conditions. There are products you can apply online within minutes while others will require detailed medical checkups. 

                                                If you have pre-existing medical conditions, that may be a factor in whether you can qualify.

                                              • A critical illness plan can protect your finances from any major illnesses. Which is why it’s good to have additional critical illness coverage on top of your basic medical plan.

                                                 

                                                Once diagnosed with a critical illness covered by the plan, you can use the lump sum payout for anything you want (e.g. pay off some of the costs associated with illness, but were not incurred in the hospital)

                                              • The most common types of critical illness plans are:

                                                 

                                                Basic critical illness - This covers a set of critical illnesses (depending on your policy, this could range from 36 to 50+ critical illnesses) at late stage conditions.

                                                 

                                                Early-stage critical illness - This generally pays out a lump sum upon diagnosis of a covered critical illness at early stage and a remainder payout at the late stage.


                                                Multiple critical illness - Under this policy, you’ll be able to make multiple claims throughout the policy term. But you’ll need to check the fine print – some policies allow you to make multiple claims on the same critical illness if it relapses, while some policies will allow you to make claims for different critical illnesses.

                                              • It helps protect your finances by:

                                                • providing for financial support not covered by a medical plan. 
                                                • supplementing family income when family members need to stop working to care for
                                                • covering for loss of income from long periods of unpaid leave or job loss
                                              • Things to look for:

                                                1. Affordability

                                                While you should make space in your budget for insurance, it shouldn’t make it hard for you to service other financial obligations.

                                                    2. Coverage. 

                                                How much coverage do you need? The general rule of thumb for minimum coverage is three years’ worth of your annual income.

                                                So if you’re looking for a medical protection plan that is beyond basic protection and a bit more thorough, a critical illness plan may be the right one for you.

                                                For example, if you earn RM48,000 a year, you should buy RM144,000 worth of insurance coverage for critical illness. However, the insurance premium for your policy shouldn’t exceed 10% of your annual income (RM4,800 per annum in this case).

                                              Still unsure about which product best suits you?

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