Current Critical Illness Definition

1. Heart Attack
The death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area. The following features must be present: a) A history of typical chest pain b) New ECG changes characteristic of myocardial infarction c) Elevation of cardiac enzymes

2. Stroke
Any cerebrovascular incident producing neurological sequelae lasting more than twenty-four hours and including infarction of brain tissue, heamorrhage and embolisation from an ex-cranial source. There must be evidence of permanent neurological deficit.

3. Coronary Artery Disease (Surgery)
The undergoing of heart surgery to correct narrowing or blockage of one or more coronary arteries with bypass grafts in persons with limiting anginal symptoms, but excluding non-surgical techniques such as balloon angioplasty or laser relief of an obstruction.

4. Cancer
A malignant tumour characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue. This includes leukaemia, but excludes non-invasive cancer in situ, tumours in the presence of any human immuno-deficiency virus and any skin cancer other than malignant melanoma.

5. Kidney Failure
End stage renal disease, due to whatever cause(s), w the life assured undergoing regular peritoneal dialysis or haemodialysis or having had renal transplantation.

6. Paralysis
Complete and permanent loss of use of two or more limbs through paralysis.

7. Major Organ Transplantation
The actual undergoing as a recipient of a transplant of a heart, lung, liver, pancreas, kidney or bone marrow.

8. Multiple Sclerosis
Unequivocal diagnosis by a consultant neurologist confirming more than one episode of well defined neurological deficit, w persisting signs or involvement of e optic nerves, brain stem and spinal cord together w impairment of co-ordination and motor and sensory function, w e life assured not necessarily confined to wheelchair.

9. Fulminant Viral Hepatitis
This involves a submassive to massive necrosis of the liver caused by the Fulminant hepatitis virus leading precipitously to liver failure as certified by a registered medical practitioner. The diagnostic criteria to be met are: a) A rapidly decreasing liver size b) Necrosis involving entire lobules, leaving only a collapsed reticular framework c) Rapidly degenerating liver function tests d) Deepening jaundice. The illness must not be caused directly or indirectly by drug abuse.

10. Pulmonary Arterial Hypertension
Primary pulmonary arterial hypertension as established by clinical and laboratory investigations (including cardiac catheterization) and as diagnosed by a consultant cardiologist. The following diagnostic criteria must be met:

11. Blindness
Total and irrecoverable loss of sight in both eyes.

12. Alzheimer's Disease
Deterioration or loss of intellectual capacity or abnormal behaviour as evidenced by the clinical state and accepted standardized questionnaires or tests arising from Alzheimer's Disease or irreversible organic degenerative disorders (excluding neurosis and psychiatric illness) resulting in significant reduction in mental and social functioning requiring the continuous supervision of the life assured.

13. Surgery to the Aorta
Surgery to correct any narrowing, dissection or aneurysm of the thoracic or abdominal aorta.

14. Coma
A state of unconsciousness with no reaction to external stimuli or internal needs persisting continuously with the use of life support system for a period of at least 96 hours and resulting in permanent neurological deficit.

15. Deafness
Total and irreversible loss of hearing in both ears.

16. Loss of Speech
Total and irrecoverable loss of ability to speak due to physical damage to the vocal chords.

17. Heart Valve Surgery
Open heart surgery to correct valvular abnormalities

18. Major Burns
Third degree burns covering at least 20 percent of the surface area of the life assured's body.

19. Terminal Illness
In the opinion of the medical specialist involved and subject to the acceptance of our appointed doctor the advent of death is highly likely within 12 months.

20. AIDS
* AIDS due to Blood Transfusion:
The life assured being infected by HIV or Acquired Immunodeficiency Syndrome but only if: a) The infection is due to blood transfusion received after the cover start datet b) The infected life assured is not a haemophiliac c) There is no known cure.
* HIV/AIDS cover for Medical Staff
Infection caused by HIV (Human Immunodeficiency Virus) after the cove start date of the benefit provided the life assured is a medical staff and the accident occurred during the course of the life assured's normal occupational duties and was reported in accordance with the established occupational procedure for such accidents.Such infection must be considered by the medical authorities involved to be caused by: a) Needlestick injury b) Sharp instrument injury c) By exposure to blood d) Blood stained by body fluid. Infection in any other manner, including infection as a result of sexual activity or intravenous drug use, is specifically excluded. Any accident giving rise to a potential claim must be reported to us within 30 days of the accident taking place. The life assured must, within 5 days of the accident, have undergone a blood test indicating the absence of HIV or its antibodies but a further blood test performed within 6 months of the accident must indicate the presence of HIV or its antibodies. This benefit will not apply in the event that any medical cure is found for AIDS or the effects or the HIV virus or a medical treatment is developed that results in the prevention of the occurrence of AIDS. We must have open access to all blood samples and be able to obtain independent testing of such blood samples. Medical staff means doctors (general practitioners and specialists), nurses, laboratory technicians, dentists (surgeons and nurses) or ambulance workers. They must be working in hospitals, specialists medical centres, dental clinics or polyclinics in Singapore.

21. Motor Neurone Disease
Motor neurone disease of unknown aetiology is characterized by progressive degeneration of corticospinal tracts and anterior horn cells or bulbar efferent neurones. These include spinal muscular atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis and primary lateral sclerosis.

22. Parkinson's Disease
Slowly progressive degenerative disease of the central nervous system as a result of loss of pigment containing neurones of the brain.Unequivocal diagnosis of Parkinson's disease by a consultant neurologist registered in S'pore where e condition: a) Cannot be controlled w medication b) Shows signs of progressive impairment c) Renders e life assured unable to perform 3 or more of the following: bathing, dressing, using the lavatory, eating, moving in or out of a bed or chair. Only idiopathic Parkinson's disease is covered. Your policy does not cover any other forms of Parkinsonism.

23. Chronic Liver Disease
End stage liver disease as evidenced by all of the following: a) Permanent jaundice b) Ascites c) Encephalopathy. Your policy does not cover liver disease secondary to alcohol or drug misuse.

24. Lung Disease
End stage lung disease including interstitial lung disease requiring extensive and permanent oxygen therapy as well as a FEV 1 test result of consistently less than 1 litre.

25. Aplastic Anaemia
Bone marrow failure which results in anaemia, neutropenia and thrombocytopenia requiring treatment with at least one of the following: a) Blood product transfusion b) Marrow stimulating agents c) Immuno suppresive agents d) Bone marrow transplantation

26. Muscular Dystrophy
A hereditary muscular dystrophy confirmed by a neurologist registered in Singapore resulting in the inability to perform without assistance 3 or more of the following: bathing, dressing, using the lavatory, eating, moving in or out of a bed or chair.

27. Bacterial Meningitis
Bacterial meningitis causing inflammation of the membranes of the brain or spinal cord resulting in permanent neurological deficit. The diagnosis is to be confirmed by a consultant neurologist.

28. Benign Brain Tumour
A non-cancerous tumour in the brain. Your policy does not cover cysts, granulomas, malformations in, or of, the arteries or veins of the brain, haematomas and tumours in the pituitary gland or spine.

29. Encephalitis
Severe inflammation of brain substance which results in significant and permanent neurological sequelae as certified by a practitioner specializing in neurology.

30. Poliomyelitis
Unequivocal diagnosis by a consultant neurologist of infection by the polio virus leading to paralytic disease as evidenced by impaired motor function or respiratory weakness. Cases not involving paralysis and other cases of paralysis are not eligible for this benefit.


Total Number Of Claims By Year


To all my esteemed clients whom i have failed to keep in touch as often as i should, a humble re-assurance that i am still in the life business with Prudential ;)

I am always proud to be trained an engineer, though i feel a bit sorry for my null intention of contributing to the relevant fields. Anyway, a common response to the above-mentioned headline would be what has brought about such a movement?

Singapore has an aging population. And this is neither a good news to any life insurance companies. The claim being filed by these group of, pardon me, dying and sick people are increasing tremondously every year. And the life companies are already experiencing the pinch in paying over $15b (i.e. Prudential) each year.

Life insurance companies are not charity organization to begin with. Your agents or advisers could be sincerely urging you to take care of your family in the event of adversity but in the eyes of the CEOs, bottom-line is still the most significant. Hence, what are the ways to tighten the cash out-flow and increase the in-flow?

First, by using standardization as a mean to tighten the definitions, so that this will effectively reduce the ease of making claims when this younger population gets older. Second, to introduce a non-guaranteed premium structure for policies that cover critical illness, so that when claims became too massive, the companies can increase the premium rate from existing policy holders to maintain the bottom-line.

The most unfortunate truth is that we, every individual, need life insurance, at least to safeguard our own hard-earned saving from the medical bills. However, the life insurance companies do not need you or any particular individual. This implies that they are always with the upper hand on whether to accept our proposals or not.

Ladies and gentleman, our lifestyle in Singapore, the food we consume and the air we breathe are not as fantastic as what our forefathers enjoyed. Plus the invisible stress that we are suffering in our work routine, from 9am to 5pm, day after day, we simply cannot aspect we can be in a status of good health as long as they could.

There is a famous saying, which i always think there are some truth in it:

"Failing to Plan IS Planning to Fail"

Ladies and gentlemen, isn't it the choice is really yours?


I Shall Leave You With The Following Diagram :)

The above is a scene whereby a male non-smoker's is looking at the two options as to when he should kick start his critical illness protection with Prudential. Both options offer a critical illness security of $100,000 with 15 years of limited deposit. The guaranteed security will prevail as long as he live until a claim is made either on death, total permanent disability or critical illness. The difference is at Age 25, the total capital outlay is $45,000 as compared to $52,500 at Age 30 when incepted.