Be assured of lifetime cover
And other unknown diseases/infections
Get benefits early to ease your recovery
Choose from a range of premium terms
Provides cover for your loved ones.
Star Secure Pro provides lifetime critical illness cover. As part of the late-stage critical illness cover, you will also be covered for future unknown diseases or infections such as COVID-19 and its variants1.
The guaranteed minimum critical illness benefit is a higher fixed payout that extends up to age 70. After age 70, the critical illness benefit will be the sum assured plus any bonuses accrued. This give you a high level of cover initially and inflation protection after that as bonuses are added on each year.
Star Secure Pro also provides death cover and a surrender value should you wish to terminate the policy early.
Apply now and enjoy our special InsureDIY promotion!
1. Should I apply for my Critical Illness cover now or wait till I am older and more likely to get struck by Critical Illness?
Our advice is that you get your Critical Illness Insurance cover as soon as possible. As you get older, there is a high chance that you would develop medical conditions. Even if these medical conditions are not classified as "critical illness", it may mean that insurer would not be willing to offer you any cover at that time.
2. What is the maximum age that Critical Illness Insurance will cover to?
It depends on the policy. Typical Critical Illness plans will cover you until 85. However, Star Secure will cover you for your whole life.
3. Do I need to go for a medical examination if I apply for Critical Illness Insurance?
If you are above a certain age and/or sum assured, then, yes, you will need to go for a medical checkup.
4. Why is it not a "sure-thing" that I can get my money back through the surrender value?
The surender value will comprise a guaranteed portion and a non-guaranteed portion. The non-guaranteed portion is based on the bonus that the insurer declares from year to year. In addition, the surrender value accumulates over time, which means that you will get a low surrender value if you terminate the policy early.
5. What if the sum assured plus bonuses are higher than the guaranteed benefit before age 75?
If the sum assured plus bonuses are higher than the guaranteed benefit (sum assured X multiplier factor) before age 75, the benefit payout will be the sum assured plus bonuses.
1The Impact Benefits which covers COVID19 and its variants before age 85, pays 50% of the Advanced Secure Accelerator rider sum assured if you undergo a surgery or suffer from an infection and you are required to stay in an ICU for a total of 5 days or more in one hospital admission
InsureDIY is a Broker licensed by the Monetary Authority of Singapore and is an Exempt Financial Adviser. This advertisement has not been reviewed by the Monetary Authority of Singapore.