Critical Illness insurance pays out a one-time lump sum benefit when one of 37 critical illnesses is diagnosed. The policy lapses after the sum are paid out in full. This one-time lump sum payment helps the insured by providing cash quickly

1. Pre-existing conditions (Please see Question 5 for more details)
2. Illness caused by intentional acts (sane or insane)
   – Self-harm
   – Related to drug/alcohol addiction
   – Related to HIV/AIDS (Please see Question 6 for more details)
3. Within the first 90 days of coverage
   – You cannot claim in the 1st 90 days of continuous coverage
   – If your policy stops, this 90 days term resets – we thus advise you to ensure continuous coverage!

Pre-existing conditions refer to disabilities or conditions that you have reasonable knowledge of.

You may be considered to have reasonable knowledge of a pre-existing medical condition if:

1. you had received or are receiving treatment;
2. medical advice, diagnosis, care, or treatment has been recommended;
3. clear and distinct symptoms are or were evident;
4. its existence would have been apparent to a reasonable person in the circumstances.

In particular, no benefit will be paid out if

1. The insured was diagnosed as having deafness before reaching age 2;
2. The insured was diagnosed with a critical illness which is caused by a congenital or inherited disorder before reaching age 6

The insurer MAY request for you to prove that a critical illness you are diagnosed with is not a pre-existing condition.

You can see the full list of 37 critical illnesses and their exclusions covered here, as defined by the Life Insurance Association of Singapore.

You will receive a one-time lump sum benefit if you are diagnosed for the first time with one of the 37 critical illnesses covered during the policy term.

No benefit will be paid out under any of the circumstances below:

1. If your critical illness was a pre-existing/congenital condition
2. If your critical illness was caused by intentional acts, including self-harm
3. If your critical illness is related to the effects of drug or alcohol addiction
4. If your critical illness is related to HIV/AIDS
5. If your critical illness was diagnosed within the first 90 days from the policy issue date or the date of the last reinstatement of the policy after a gap in coverage (whichever is later)

HIV infection, an acquired immunodeficiency syndrome (AIDS), and AIDS-related conditions are excluded unless the HIV infection is due to blood transfusion or was occupationally acquired.

This policy pays either part (for Angioplasty & Other Invasive Treatment for Coronary Artery, “AOITCA”) or all of the basic sum insured.

• The policy pays the full sum assured benefit for one critical illness, except when the first critical illness is AOITCA.
  • If the first critical illness you are diagnosed with is AOITCA, then the payout will be 10% of the sum assured
    • If you are sponsored by Gojek Goalbetter, 10% of $1000 = $100 payout
  • If you are later diagnosed with another critical illness that is covered, the policy will pay the remaining sum insured. The remaining sum insured is the original sum insured less the amount first claimed for AOITCA.
    • If you are sponsored by Gojek Goalbetter, $1000 – $100 = $900 payout
• Once the total original sum insured is paid, the basic policy will automatically terminate.

Should you need to submit a claim under CI, please email us at [email protected] or contact us on WhatsApp during office hours, and we’ll help you with the process.

Your plan is sponsored by Gigacover, and you do not need to pay for it.

You are getting this coverage as a selected member of Gigacover’s program and would have received an email notification if you are covered. The policyholder is Gigacover Pte Ltd, the administrator of the Gigacover program.

Currently, there is no option to upgrade your coverage.