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The Ultimate Female Insurance Plans Comparison (With Free Health Checkup)

profileCherie Tan

According to the Singapore Cancer Society,

  • 39 Singaporeans are diagnosed with cancer every day;
  • 15 people die from cancer every day; and
  • 1 in 4 people may develop cancer in their lifetime

As females, we are slightly more prone to diseases than our male counterparts as well.

According to the National Cancer Centre Singapore, a total of 71,265 cancer cases were reported in Singapore between 2013 to 2017, and 51.6% of the incidence of cancers occurred in females.

On the same note, breast cancer holds the highest occurrence among Singaporean women, affecting 29.4% of the women.

Which reminds us how important it is to get sufficient insurance to protect ourselves.

Insurance for Women in Singapore (With FREE Health Checkups)

Disclaimer: This article is not meant to be taken as financial advice, do speak to a licensed advisor who can assist you with your insurance needs.

These insurance plans specifically cater to only the needs of women. It provides coverage for a range of critical illnesses that only women are exposed to:

We all know that health checkups are quite costly, even a simple scan.

It’s good if your company provides for your free health checkups.

However, if they don’t, this is one way you can save on those hefty checkup fees.


AIA Glow of Life

Key Benefits

  • Receive payouts for a range of conditions
  • Enjoy a reimbursement of up to 100% of coverage for reconstructive surgery
  • Complimentary medical checkup every 2 years

AIA Glow of Life Sum Assured

AIA Glow of Life has 2 plans, the Standard Plan and the Executive Plan.

 StandardExecutive
Coverage (S$)25,00050,000
5% Extra Coverage (S$)

- For each renewal for the first 5 years
26,25052,500

What Benefits Do AIA Glow of Life cover?

AIA Glow of Life Benefit Schedule% of Sum Assured

1. Female Dreaded Illness Benefit

Female cancer
(Includes cancers pertaining to the female organs including the
breast, cervix uteri, uterus, ovary, fallopian tube and vaginal/vulva)
100
Systemic lupus erythematosus (S.L.E) with lupus nephritis
Rheumatoid arthritis

2. Female Health Benefit

Osteoporosis30
Urinary incontinence requiring surgical repair5
Carcinoma-in-situ of the female organs20
Reconstructive surgery reimbursement due to accidents or burns100

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PRULady by Prudential

Key Benefits

  • Comprehensive coverage specific for women, including female-related medical conditions and procedures and reconstructive or skin grafting surgeries
  • Premium waiver for 36 months upon female illnesses claim
  • Optional add-on coverage to include: pregnancy complications, congenital illnesses, hospital care
  • Complimentary medical checkup every 2 years

PRULady Plans and Sum Assured

BenefitsPlan APlan BPlan CPlan D
Female Illness benefit25,00050,00075,000100,000
Medical Procedures benefit 25,00050,00075,000100,000
Reconstructive Surgery or Skin Grafting benefit25,00050,00075,000100,000
Support benefit25,00025,00025,00025,000
Waiver of PremiumWaives premiums for 36 months upon Female Illnesses benefit claim of at least 50% of sum assured
Biennial Medical ScreeningPackage 1 (23 tests)Package 2 (25 tests)
Loyalty benefit15% discount on first year premium (of selected policies purchased upon life event)

Benefits

Maternity Cover Plus Sum Assured (S$) – Optional

Pregnancy Complications5,00010,00015,00020,000
Congenital Illness5,00010,00015,00020,000
Hospital Care5,00010,00015,00020,000

What Benefits Do PRULady Offer?

PRUlady Benefits% of Sum Assured

1. Female Illnesses benefit

Systemic Lupus Erythematosus with Lupus Nephritis100%
Rheumatoid Arthritis
Chronic Auto-Immune Hepatitis
Malignant Cancer of the following:
• Breast
• Cervix Uteri
• Uterus
• Fallopian tube
• Ovary
• Vagina/Vulva
Osteoporosis requiring surgery
or repair
50%
Carcinoma in situ of the Breast
Carcinoma in situ of the Cervix Uteri
Urinary Incontinence requiring Surgical Repair10%
Uterine Prolapse
Pelvic Relaxation requiring Surgical Repair
Thyroid disorders causing Thyroid Storm
Polycystic Ovarian Syndrome

2. Medical Procedures

Radical Vulvectomy required due to a malignant condition50%
Wertheim’s Operation required due to a malignant condition
Total Pelvic Exenteration required due to a malignant condition
Hysterectomy required due to a malignant condition30%
Mastectomy required due to a malignant condition
Complicated repair of a Vaginal Fistula
Bilateral Breast Lumpectomy due to a malignant condition or carcinoma in situ20%
Unilateral Breast Lumpectomy due to a malignant condition or carcinoma in situ15%

3. Reconstructive Surgery or Skin Grafting

Breast Reconstructive Surgery following a Mastectomy100%
Facial Reconstructive Surgery due to an Accident
Skin grafting due to major burns
Skin grafting due to skin cancer

4. Support Benefit

Oocyte Cryopreservation due to covered female cancers 100%
Breast Cancer – Molecular Gene Expression Profiling Test for Treatment Guidance40%
Hormone Replacement Therapy20%
Outpatient Psychiatric benefit$100 per visit
(up to 10 visits)

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AXA CritiCare for Her

  • Flexible sum assured: S$25,000 (min), S$150,000 (max)
  • 3 Coverage Duration (Policy Term): 10 years, 20 years, or up to age 65.
  • Maximum Coverage Age: Up to 65 years old

Key Benefits of AXA CritiCare for Her

  • Four core benefits: female illness benefit, surgery benefit, reconstructive surgery or skin grafting benefit, support benefit
  • Multiple claims up to 3.5 times sum assured
  • Free Child Cover: Coverage of $5,000 extends to the child should they be diagnosed with Critical Illness
  • Premium waiver for 36 months upon cumulative claim(s) of 50% Sum Assured made under Female Illness Benefit, capped at 2 claims
  • Complimentary medical checkup every 2 years

What Benefits Do AXA Criticare for Her Offer?

AXA CritiCare for Her Benefits Schedule% of Sum Assured

1. Female Illness Benefit

• Systemic lupus erythematosus with lupus nephritis
• Rheumatoid arthritis
• Chronic autoimmune hepatitis
• Malignant cancer of the breast, cervix uteri, uterus, fallopian tube, ovary, vagina/vulva
100%
• Osteoporosis requiring surgery or repair
• Carcinoma in situ of the breast
• Carcinoma in situ of the cervix uteri
50%
• Urinary incontinence requiring surgical repair
• Uterine prolapse
• Pelvic relaxation requiring surgical repair
• Thyroid disorders causing thyroid storm
• Polycystic ovarian syndrome
10%

2. Surgery Benefit

• Radical vulvectomy required due to a malignant condition
• Wertheim’s operation required due to a malignant condition
• Total pelvic exenteration required due to a malignant condition
50%
• Hysterectomy required due to a malignant condition
• Mastectomy required due to a malignant condition
• Complicated repair of a vaginal fistula
30%
• Bilateral breast lumpectomy due to a malignant condition or carcinoma in situ 20%
• Unilateral breast lumpectomy due to a malignant condition or carcinoma in situ 15%

3. Reconstructive Surgery or Skin Gafting Benefit

• Facial reconstructive surgery due to an accident
• Breast reconstructive surgery following a mastectomy
• Skin grafting due to major burns
• Skin grafting due to skin cancer
100%

4. Support Benefit

Oocyte cryopreservation due to covered female cancerS$25,000
Breast cancer – molecular gene expression profiling test for treatment guidance S$10,000
Hormone replacement therapy S$5,000
Outpatient psychiatric benefitS$100 per visit
(up to 10 visits)
Death BenefitS$10,000

Men, you are not forgotten! AXA has a male version that covers male critical illnesses as well – AXA CritiCare for Him.

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Lady 360 by NTUC Income

Key Benefits

  • Benefits include: Female Illness benefit, Female Surgeries benefit, Support benefit, Death benefit
  • Claim multiple times up to 100% sum assured from each of the benefits
  • Premium waiver for 24 months upon diagnosis of a specific female illness covered by the policy
  • Complimentary medical checkup every 2 years

What Benefits Do Lady 360 Cover?

Lady 360 Benefits Schedule% of Sum Assured

1. Female Illnesses benefit

• Chronic autoimmune hepatitis
• Malignant cancer of female sites
• Rheumatoid arthritis
• SLE with lupus nephritis
100%
• Carcinoma in situ of female sites
• Osteoporotic fractures of the hip and vertebra requiring surgery or repair
50%

2. Female Surgeries Benefit

• Radical vulvectomy
• Wertheim’s operation
• Uterus, total pelvic exenteration
50%
• Breast lumpectomy – bilateral
• Mastectomy – bilateral or unilateral
• Hysterectomy
• Complicated repair of fistula
30%
• Breast lumpectomy – unilateral
• Urinary incontinence requiring surgery
• Uterine prolapse requiring surgery
• Thyroid disorders requiring surgery
• Polycystic ovarian syndrome requiring surgery
15%

3. Support benefit

Reconstructive surgery benefit due to mastectomy following breast cancer or carcinoma in situ of the breast, malignant skin cancer, accidental burns and accident 100%
Oocyte cryopreservation benefit 25%
Breast cancer – molecular gene expression profiling test for treatment guidance benefit 15%
Outpatient psychiatric benefit5%
Hormone replacement therapy benefit5%

4. Death Benefit

S$10,000

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We can see that different plans offered varied types of coverage.

With more benefits and protection, we can expect the premiums to be more expensive.

As with all insurance plans, while we might be tempted to have the maximum level of coverage, it is important to balance between your own needs and the cost of premiums.

Because the last thing we want is to overspend on insurance.

Do speak with a licensed advisor to analyse your needs before deciding on which insurance plan to get for yourself!

Should You Get a Female Critical Illness Insurance Plan?

We know that insurance could be a BIG topic.

As with all insurance coverage, a female-specific insurance plan should be purchased if you would like to increase your coverage for female-specific diseases.

Given that some specific diseases are not included in the prescribed list of 37 critical illnesses, it could be beneficial to receive coverage for them.

In addition, with the free biennial health check-ups as one of the coverage benefits, such regular check-ups could be very useful as a preventive measure.

That being said, do always assess your own insurance needs, and only purchase the ones that suit these needs the best.

In my opinion, such a plan should not replace your critical illness coverage, but could act as a complement to it.

If you’re considering it and wondering what you are already covered by

Perhaps it’s time to do a quick review of your insurance coverage.

Looking to talk about insurance further? Pick the brains of some of the personal finance gurus at Seedly!

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About Cherie Tan
Turning finance into boba-sized pieces. One iced milk boba tea, please!
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