Critical SelectCare
About this plan
Critical SelectCare is a critical illness insurance plan designed to provide coverage for selected major critical illnesses and age-related illnesses. It offers a simple way to strengthen protection for later-life health risks with straightforward benefits focused on specific conditions rather than broad critical illness coverage. Coverage and eligibility are subject to policy terms and underwriting assessment.
Why should you get it?
Purchasing a protection plan after age 40 can be difficult. Introducing Critical SelectCare, crafted with you in mind to cover you against selected major critical illnesses and age-related conditions for less than S$11 a day.
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Coverage Be covered for selected critical illnesses2 with additional coverage for special conditions3 up to S$25,000 for each condition
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Easy to buy Simply answer 3 questions4, with no medical check-ups
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Open to all This plan is available even to those with existing health conditions4 - such as high blood pressure, high blood sugar, high cholesterol or diabetes
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No claims payout Receive a payout of 25% of your total premiums paid at the end of your policy term, as long as no claim has been made on your policy
Learn more about Critical SelectCare
Critical SelectCare is an insurance plan for selected major critical illnesses, designed to provide protection in a simple process.
Step 1: Choose your Critical SelectCare plan
Select the plan based on your protection needs.
Step 2: Apply and complete a health assessment
Complete a simple application with just 3 health questions and no medical check-ups required. You must be between 40 and 70 years old, subject to underwriting terms and conditions.
Step 3: Get covered for selected conditions
Once approved, your critical illness insurance for senior citizens and eligible adults provides coverage for age-related illness risks, as defined in the policy terms.
Step 4: Make a claim when diagnosed
If you are diagnosed with a covered condition, you can submit a claim with medical documents for review under your insurance for age-related illness coverage structure.
Step 5: Receive payout if approved
If your claim meets policy requirements, a payout is made to help support recovery or treatment costs under your Critical SelectCare plan.
Critical SelectCare may be suitable for you if you are looking for protection that fits different life stages, financial situations and health-related concerns. It is great if:
You are planning ahead for later life healthcare needs and want coverage for selected major critical illnesses and age-related conditions.
You want additional financial protection beyond basic health insurance for serious medical events.
You are in your working years or approaching retirement and want to strengthen your long-term health security.
You have family responsibilities and want to reduce the financial impact of a major illness on your loved ones.
You are looking for simple, defined coverage focused on specific critical illnesses rather than broad, complex plans.
You want peace of mind for unexpected health risks that can affect income, savings and lifestyle.
Frequently asked questions
The right amount of critical illness coverage depends on your personal situation, including your financial responsibilities, healthcare needs and long-term protection goals. Critical SelectCare provides coverage for selected critical illnesses, with additional support for special conditions up to S$25,000 for each condition. It is recommended to review your needs carefully and speak with a Manulife Financial Consultant or appointed distributor before making a decision.
For Critical SelectCare, you must be between 40 and 70 years old, subject to underwriting terms and conditions.
1. Premium is based on a 40-year-old, non-smoker, male with sum insured of S$25,000, paying annual premiums.
2. 100% of the sum insured or total premiums paid to date, less any and all amounts owing to us under the policy, whichever is higher, will be payable upon diagnosis of a critical illness.
3. 25% of the sum insured will be payable upon diagnosis of a special condition. Each condition can be claimed once during the policy term. A claim on any of the special conditions will not reduce the sum insured of the policy. This benefit is capped at S$25,000 per life per condition, regardless of the number of policies we have issued.
4. You must be between 40 and 70 years old and pass the underwriting questions to qualify.
Terms and conditions apply. Please refer to the Product Summary for more information.
Critical SelectCare is underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No. 198002116D). This advertisement has not been reviewed by the Monetary Authority of Singapore. Buying health insurance products that are unsuitable for you may affect your ability to finance your future healthcare needs. This advertisement is for your information only and does not consider your specific investment objectives, financial situation or needs. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan. You can find the full terms and conditions, details, and exclusions for the mentioned insurance product(s) in the policy contract. 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 LIA or SDIC websites (www.lia.org.sg (opens in a new tab) or www.sdic.org.sg (opens in a new tab)).
The information on this page is for general informational purposes only and does not constitute financial advice.
We recommend that you seek advice from a Manulife Financial Consultant or its Appointed Distributors before making a commitment to purchase a policy.
Information is correct as of 14 August 2026.