MSIG’s CancerCare Plus insurance is a competitively priced critical illness plan that offers exclusively cancer coverage. It provides a $100,000 lump sum payout for major cancer, plus a 50% early cancer accelerator benefit, which may be an ideal protection boost on top of your existing healthcare policies.
Take a closer look at how MSIG CancerCare Plus works and if it’s the right fit.
High coverage to premium ratio.
Highest default basic sum assured of $100,000.
One of the cheapest cancer coverage options for young, healthy adults.
No medical examination required.
Not so good for
Premiums get considerably pricey for older consumers (above 45 years old).
No additional death benefit.
What is MSIG CancerCare Plus?
MSIG CancerCare Plus is a straightforward policy that provides a lump-sum payment if the insured is diagnosed with a major or early-stage cancer.
What is considered a major or early-stage cancer?
You’ll either be entitled to the basic or accelerated benefit depending on your condition:
Major cancer. A malignant tumour that’s positively diagnosed with histological confirmation and characterised by the uncontrolled growth of malignant cells with invasion and destruction of normal tissue. This includes, but is not limited to, leukemia, lymphoma and sarcoma.
Early-stage cancer. Refers to cancer growth that’s still in its early stages and has not spread to other parts of the body.
For the full definition of Major Cancer and Early-Stage cancer, please refer to the MSIG CancerCare Plus policy document. If you’re unsure, do not hesitate to contact MSIG or your agent directly.
Enjoy 20% discount on your MSIG CancerCare Plus policy when you apply online.
Valid till 31 October 2021. Terms and conditions apply.
How do the features for MSIG Protection Plus policy compare?
Here’s a side by side comparison of benefits for each level of cover.
Early stage cancer
Carcinoma In Situ
Early Prostate Cancer
Early Thyroid Cancer
Early Bladder Cancer
Early Chronic Lymphocytic Leukemia
Gastro-Intestinal Stromal Cancer
50% of basic benefit
*Information provided in the table is accurate as of 15 September 2021.
Here are the annual premium rates (inclusive of 7% GST) for MSIG CancerCare Plus, as of 15 September 2021:
20 to 29
30 to 39
40 to 44
45 to 49
50 to 54
55 to 59
60 to 64
65 to 69*
70 to 74*
75 to 79*
80 to 84*
*Coverage for 65 years and above is only available for renewals of existing policies.
What won’t be covered?
MSIG CancerCare Plus policy will not pay for claims/incidents arising from:
Related pre-existing conditions
Cancer diagnosis or treatment made within 90 days from the date of the policy
Failure to seek or follow medical advice
Drug or alcohol abuse
Ionising radiation or radioactivity contamination
*The full details of the exclusions are contained in the policy document.
Making a claim
You may file a claim online, including via your mobile phone, on MSIG’s website. Alternatively, you can also download a copy of the claim form or request for the form to be sent to you. The “Medical Report” section of the claim form should be completed by your attending doctor.
Be sure to provide the following along with your claim form, if applicable:
Original medical bills or receipts
Original clinic bills or receipts
Medical report/discharge summary
Copy of work permit (if applicable)
Eligibility criteria for MSIG CancerCare Plus
MSIG CancerCare Plus is available for:
Between 20 and 65 years old
With a presence in Singapore for over 100 years, MSIG is a well-trusted brand in Singapore and one of Asia’s leading general insurers. The brand is one of the few foreign‑based general insurers that offer a wide range of personal and commercial insurance solutions.
MSIG Insurance (Singapore) Pte. Ltd. is a wholly-owned subsidiary of MSI and a member of the MS&AD Insurance Group.
MSIG CancerCare Plus is one of the best value-for-money plans available in the market, especially for younger people seeking affordable cancer coverage to supplement their existing healthcare plans.
Compared to competitors such as Great Eastern, Prudential and SingLife, you’ll be covered for a fixed assured sum at $100,000 instead of $50,000, at similar premium rates. Additionally, this policy offers automatic renewal even after you’ve made a claim for early-stage diagnoses.
If you belong to an older age group (above 45 years old), do note that the premium rates for MSIG CancerCare Plus are considerably pricey.
Finder does not provide the products and services listed on its website (including insurance policies) to users. We do not assume any risk or undertake any liability under any insurance policies that we may provide information on.
There is no insurance agency relationship created between Finder and the user. We do not negotiate, service or effect insurance contracts on your behalf or on behalf of the insurer or insurance broker. We do not act as your agent.
Frequently asked questions
For any assistance with your claim, don’t hesitate to contact your agent, broker or MSIG at +65 6827 7660.
MSIG Assist 24-hour hotline is also available at +65 6323 8388 for emergency medical assistance, such as:
Emergency medical advice and assistance
Overseas emergency medical evacuation and repatriation
Arrangement of payment guarantee for inpatient hospitalisation
Cancer or other critical illness plans typically come with waiting and/or survival periods:
Waiting period. The period of time from the commencement date of the policy before the benefits will come into effect. For MSIG CancerCare Plus, no claims can be made within 90 days from the policy’s commencement or reinstatement date.
Survival period. The length of time in which the insured must survive after being diagnosed before a claim can be made. The survival period for MSIG CancerCare Plus policy is 7 days.
With the “free look period”, you’ll be entitled to a full premium refund if you cancel the policy within 14 business days from the date you received it.
Zyane Tan is an associate editor at Finder. An experienced copywriter and content creator, Zyane enjoys writing on a wide array of subjects. When she’s not busy typing away, she’s reading and musing over a pint.
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