Prestige Multiple Critical Illness (PMCI) | OCBC Singapore

Prestige Multiple Critical Illness (PMCI)

Single premium critical illness plan with 100% return of its premium

How this will benefit you

100% return of the premium paid – regardless of whether claims are made – upon maturity of policy or death

Up to 30 claims1 for different critical illnesses

Comprehensive coverage against 36 severe-stage critical illnesses2

Who can apply

Minimum age: 15 days (counted either from birth or discharge from hospital, whichever is later)

Maximum age: 55 years old (age next birthday)

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Our first single premium critical illness plan that – regardless of any claims – fully returns its premium upon policy maturity or death.

Features and benefits
High coverage for up to 30 claims for different illnesses

Get 100% return of the premium paid

Regardless of any claims you make, we will fully return the premium you paid upon maturity of policy or death.

Regardless of any claims you make, we will fully return the premium you paid upon maturity of policy or death.

Full premium payout

Make up to 30 claims for different critical illnesses

This policy allows up to 30 claims for different severe-stage critical illnesses. Get coverage of up to S$1.2m or US$1m for each claim2.

This policy allows up to 30 claims for different severe-stage critical illnesses. Get coverage of up to S$1.2m or US$1m for each claim2.

Protection against 36 severe stage critical illnesses and death

Be protected from 36 severe-stage critical illnesses and death

Receive coverage for 36 severe-stage critical illness and death.

You will be covered until you are 80 years old (age next birthday). In the event of death, you will receive 100% of the basic single premium you paid.

Receive coverage for 36 severe-stage critical illness and death.

You will be covered until you are 80 years old (age next birthday). In the event of death, you will receive 100% of the basic single premium you paid.

One-time premium payment

Never worry about paying recurring premiums

This is Singapore’s first single premium critical illness insurance plan that frees you from the obligation of paying recurring premiums.

This is Singapore’s first single premium critical illness insurance plan that frees you from the obligation of paying recurring premiums.

Choose your preferred policy currency

Choose your preferred currency – SGD or USD

You have the flexibility to choose the currency denomination you prefer (SGD or USD3) for this plan.

You have the flexibility to choose the currency denomination you prefer (SGD or USD3) for this plan.

  1. We will pay 100% of the Basic Sum Assured up to 30 times, where each claim is for a different critical illness. The diagnosis date of a critical illness must be at least 1 year from the diagnosis date of the critical illness that was last admitted and paid.
  2. Regardless of how many policies and riders a life assured has with Great Eastern, he/she can only receive a total of up to S$3,000,000 in benefits payable for critical illness.
  3. If USD is not your home currency, you will be exposed to foreign exchange volatility risk.
How it works

David, a 35-year old man, purchases Prestige Multiple Critical Illness (SGD) – Standard Multiple at a single premium of S$100,000. As he does not smoke, David is deemed healthy after underwriting. The Basic Sum Assured1 of his policy is thus S$100,000.

Find out how much David will receive when he makes claims for different critical illnesses or makes no claims at all.

Customer profile for Prestige Multiple Critical Illness (PMCI) with multiple claims made
Customer profile for Prestige Multiple Critical Illness (PMCI) with multiple claims made
Customer profile for Prestige Multiple Critical Illness (PMCI) with multiple claims made

All ages specified refer to age next birthday (ANB).

  1. The Basic Sum Assured of this policy will be a multiple of the single premium paid. The multiple depends on the age, health condition and smoker status of the life assured when he/she purchases the policy. This multiple will not change throughout the policy term.
  2. We will pay 100% of the Basic Sum Assured up to 30 times, where each claim is for a different critical illness. The diagnosis date of a critical illness must be at least 1 year from the diagnosis date of the critical illness that was last admitted and paid.
LET US GUIDE YOU

Find out how much critical illness coverage you need

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Before you apply

Eligibility requirements

Minimum age

15 days (counted either from birth or discharge from hospital, whichever is later)

Maximum age

55 years old (age next birthday)

Important notes

Policy Owners' Protection Scheme

Common questions
More questions and answers
What is the policy term?
What are the types of critical illnesses covered?
Will the payout be the same regardless of the type of critical illness?
Is the premium fixed or does it increase over the years?
More questions and answers
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Apply for Prestige Multiple Critical Illness today

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icon_light_bulb_greyBe covered for 36 severe stage critical illness and death

The policy covers the following 36 Critical Illnesses:

  1. Alzheimer's Disease/ Severe Dementia
  2. Benign Brain Tumour
  3. Blindness (Irreversible Loss of Sight)
  4. Coma
  5. Coronary Artery By-Pass Surgery
  6. Deafness (Irreversible Loss of Hearing)
  7. End Stage Kidney Failure
  8. End Stage Liver Failure
  9. End Stage Lung Disease
  10. Fulminant Hepatitis
  11. Heart Attack of Specified Severity
  12. HIV due to Blood Transfusion and Occupationally Acquired HIV
  13. Idiopathic Parkinson’s Disease
  14. Irreversible Aplastic Anaemia
  15. Irreversible Loss of Speech
  16. Loss of Independent Existence
  17. Major Burns
  18. Major Cancer
  19. Major Head Trauma
  20. Major Organ / Bone Marrow Transplantation
  21. Motor Neurone Disease
  22. Multiple Sclerosis
  23. Muscular Dystrophy
  24. Open Chest Heart Valve Surgery
  25. Open Chest Surgery to Aorta
  26. Other Serious Coronary Artery Disease
  27. Paralysis (Irreversible Loss of use of limbs)
  28. Persistent Vegetative State (Apallic Syndrome)
  29. Poliomyelitis
  30. Primary Pulmonary Hypertension
  31. Progressive Scleroderma
  32. Severe Bacterial Meningitis
  33. Severe Encephalitis
  34. Stroke with Permanent Neurological Deficit
  35. Systemic Lupus Erythematosus with Lupus Nephritis
  36. Terminal Illness

For Angioplasty and Other Invasive Treatment for Coronary Artery, the coverage is offered as an Additional Benefit.

The definitions of the covered Critical Illnesses are based on Life Insurance Association Singapore (LIA) Standard Definitions for severe stage of 37 Critical Illnesses: Version 2019.

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