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

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According to the Singapore Cancer Society,

  • 1 in every 37 Singaporeans are diagnosed with cancer every day;
  • 16 people die from cancer every day; and
  • 1 in 3 deaths is caused by cancer.

cancer

Wouldn’t you want to know as females are we more prone to diseases than our male counterparts?

  • Yes, though by a thin margin. 51.4%* of the incidence of cancers occurred in females.

*Numbers are extracted from the Singapore Cancer Registry Annual Registry Report 2015 (here) and are accurate as at 21 Jan 2019.

On the same note, breast cancer holds the highest occurrence among Singaporean Women, with 1,850 women being diagnosed and 400 deaths from the same disease which should not be taken lightly.

Recommended ReadWhat All Women Should Know About Insurance

Insurance for Women in Singapore

with FREE health checkups!

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:
(Click the links to be teleported!)

We all know that health checkups are quite costly, even a simple scan, for example, Vitality Executive Scan with Fullerton Healthcare Group would cost $105.93. That already is the discounted rate if you are an AIA Vitality member.

If your company provides for you free health checkups that is a bonus for you. However, if they don’t, this is one way you can save on those hefty checkup fees.

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

Note: The difference in coverage differs in premiums payable as well, as the premiums are not known to us, we are unable to make this comparison with premiums.


AIA

AIA Glow of Life

Benefits
1. Female Dreaded Illness
2. Female Health benefits
Reimbursement for reconstructive surgery
100% coverage as a result of accidents or burns
Free Health Checkup
Every 2 years
Renewal Bonus
Extra 5% coverage every time you renew your policy with AIA

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

What does 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

Website

Read Also: Earn S$48 Vouchers Every Month With 10,000 Steps With National Steps Challenge, AIA Vitality, and ManulifeMove

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Prudential

PRUlady by Prudential

Benefits
1. Covers female-related medical conditions and procedures
2. Covers reconstructive or skin grafting surgeries
3. Provides coverage for post-diagnosis support
Reimbursement for reconstructive surgery
100% coverage as a result of accidents or burns
Free Health Checkup
Every 2 years
Optional add-on coverage:
• Pregnancy complications
• Congenital illnesses
• Hospital care
Premium waiver
You don’t have to pay your premiums for up to 36 months in a case where you make a female illness claim.

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 does 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)

Website

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AXA CritiCare for Her

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

Additional Benefits of AXA CritiCare for Her

4 Core Benefits
1. Female Illness Benefit
2. Surgery benefit
3. Reconstructive Surgery or Skin Grafting Benefit
4. Support Benefit
Multiple Claims
Claim multiple times up to 100% sum assured from each of the core benefits
Free Health Checkup
Every 2 years
Free Child Cover
Coverage of $5,000 extends to your child should they be diagnosed with Critical Illness
Waiver of Premium
AXA will waive 36 months of future premiums when you make a claim under Female Illness Benefit. (This can be claimed twice)
Reset your Female Illness Coverage
If your total claims are less than 100% of your sum assured, AXA will reset your Female Illness benefit after 12 months waiting period.

What benefits does 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.

Website

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Lady 360 by Income

Lady 360 by NTUC Income

What it covers?
1. Female Illness Benefit
2. Female Surgeries benefit
3. Support Benefit
4. Death Benefit
Free Health Checkup
Every 2 years
Multiple Policy Claims
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.

What benefits does 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

An Infographic on how Lady 360 works for you.

Website

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

Though it seems as AIA Glow of Life has it a lot worse as compared to other insurance providers, we were told that the premiums for AIA were at least 50% cheaper. With more benefits and protection, you should expect the premiums to be more expensive.

It is difficult to propose which insurance plan would fit your situation best as there is no one size fits all, and many times you do not need that extra benefit that a certain insurance product provides. (It could be just a marketing gimmick to get you to spend more)

Do speak with a professional to analyse your needs proper before deciding on which women’s plan to get for yourself or your other half!

Read our articles on Insurance:


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