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At current, most cancers is Singapore’s #1 killer, with roughly 1 in 3 deaths in Singapore being brought on by most cancers, in response to statistics launched by the Ministry of Well being.
In the meantime, crucial insurance coverage protection in Singapore stays missing, in response to the 2017 Safety Hole Examine finished by the Life Insurance coverage Affiliation (LIA). In keeping with the examine, economically lively Singaporeans and PRs are solely coated for about 20% of the bills they want ought to a crucial sickness (CI) preserve them out of the workforce for five years. That’s a niche of an enormous 80%.
Most typical CI plans cowl a variety of ailments, together with most cancers, however what they won’t cowl is early stage most cancers. That is definitely an vital level to notice when getting protection as a result of the probability of restoration from most cancers is greater if detected and handled early. For this reason most cancers insurance coverage is usually a very helpful complement to most crucial sickness plans.
The difficulty is, it’s onerous to estimate how a lot you’d really want for those who acquired identified with most cancers.
Important kinds of most cancers in Singapore
Whilst you might get most cancers on virtually any a part of your physique, the next kinds of cancers are a few of the mostly identified in Singapore:
- Breast most cancers
- Cervical most cancers
- Colon most cancers
- Prostate most cancers
- Pancreatic most cancers
How a lot does it value to deal with these situations?
Prices for most cancers therapy can fluctuate wildly. Quite a bit relies on the stage at which the most cancers is found and the scale of the tumour, which is but another excuse why it’s so vital to go for really helpful screenings!
Different elements embody the therapies elected, the presence or absence of issues and the hospital and ward chosen by the affected person.
Primarily based on info provided by the Ministry of Well being’s historic transacted invoice sizes, right here’s what you’ll anticipate to pay for the next procedures at a personal hospital.
| Process | Estimated complete invoice quantity |
| Breast most cancers therapy (conservation of breast, elimination of cancerous development with elimination of underarm lymph nodes) | $23,423 |
| Cervical most cancers (feminine reproductive tract, scope of the cervix with elimination of development (<2am) | $7,075 to $8,261 |
| Colon most cancers (decrease stomach, scope of huge gut for prognosis with elimination of development (a number of or >1cm) | $3,755 |
| Prostate most cancers (male reproductive tract, elimination of whole prostate and environment) | $53,326 |
| Pancreatic most cancers (higher stomach, scope of bile duct and pancreatic duct with therapy) | $1,412 to $2,984 |
Are you ready for the prices of most cancers?
The above prices are for frequent therapy choices for the principle most cancers varieties in Singapore. It is very important observe that your precise invoice is more likely to quantity to far more, as a result of want for consultations and scans for prognosis, the potential of issues and the necessity for chemotherapy.
One other massive value would be the lack of earnings in case you are pressured to cease work to endure therapy. Your misplaced earnings won’t solely affect your skill to pay your medical payments, however might additionally imply that you simply’re not in a position to take care of your loved ones.
FWD’s most cancers insurance coverage helps you on each these fronts, offering you with a lump sum payout to assist along with your total funds. That manner, you’ve the peace of thoughts that comes with figuring out that each you and your loved ones shall be taken care of as you search therapy. The coverage offers you a 100% payout no matter which stage you’re identified with, and also you even have the choice of getting a second medical opinion as effectively. You don’t need to go for any medical checks and simply want to finish 1 easy well being declaration.
FWD’s most cancers insurance coverage plan can be considerably extra reasonably priced than typical crucial sickness plans in the marketplace, with premiums ranging from as little as $97 every year. So for those who’re simply beginning your profession or need to juggle the dual pressures of elevating a household whereas taking care of the aged dad and mom, most cancers insurance coverage enables you to get safety the place you’re most certainly to want it.
With the price of healthcare rising yearly, most cancers insurance coverage is usually a very important complement to an present crucial sickness plan, and FWD has give you a product that makes getting most cancers protection each accessible and complete.
To seek out out extra about FWD’s most cancers insurance coverage and promotions, click on right here.
Disclaimer: This coverage is protected below the Coverage House owners’ Safety Scheme which is run by the Singapore Deposit Insurance coverage Company (SDIC). Protection on your coverage is computerized and no additional motion is required from you. For extra info on the kinds of advantages which are coated below the scheme in addition to the boundaries of protection, the place relevant, please contact your insurer or go to the GIA/LIA or SDIC webs-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg). This commercial has not been reviewed by the Financial Authority of Singapore. Info is supposed purely for informational functions and shouldn’t be relied upon as monetary recommendation.
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