Product Summary

Systems Of Pivotal HumanbodY

Conventional critical illness plans covering hundreds of medical conditions can be overwhelming when it comes to making decisions for your protection needs. Hence, introducing to you SOPHY, a yearly renewable1 critical illness plan with not only easy-to-understand body-system-based coverages, but also future-proof that leap beyond the covered multifarious CI conditions commonly defined today. With SOPHY, you can get covered for diseases that are not yet discovered today!

Product Features

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Be protected against cancers of all stages2


Receive a lump sum benefit upon death3


A variety of choiced plan types at your disposal!


Simplified procedure for your ease of application!


Provide coverage for both your cardiovascular2 and neurological systems2, including conditions that are not yet known today!

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1. This is a yearly renewable plan and the policy term is 1 year. At the expiry of the policy term, this policy shall be renewed automatically for the same sum insured, without further evidence of insurability, at the end of the policy term for another 1-year period, provided always that all of the following conditions are met:

  • this policy is in force and there is no outstanding premium immediately before the date on which the renewal takes effect;
  • we have received and accepted the renewal premium on the date on which the renewal takes effect; and
  • the life insured has not reached age 85.

At each renewal, premium will be based on the prevailing premium rates of the same plan type at the attained age of the life insured.

If you do not wish to renew your policy, you must inform us in writing no later than 30 days before the end of your policy term, otherwise your policy will be automatically renewed as stated above.

Yearly renewable term for coverage up to life insured’s age of 85 years old, with maximum renewable age up to age of 84 years.

2. If the Life Insured is diagnosed with any of the conditions other than Angioplasty & Other Invasive Treatment for Coronary Artery listed in the benefit table, we will pay 100% of the Sum Insured, less the claim amount paid for Angioplasty & Other Invasive Treatment For Coronary Artery (if any), the Outstanding Premium (if any) and future Instalment Premiums which are required to make up the full year’s Premiums (if any).

For angioplasty & other invasive treatments for coronary artery claims, We will pay 10% of the Sum Insured, less the Outstanding Premium (if any) and future Instalment Premiums which are required to make up the full year’s Premiums (if any), subject to a maximum Sum Insured of SGD 25,000. We will only pay any claims arising from and associated with Angioplasty & Other Invasive Treatment For Coronary Artery once. The Sum Insured will reduce accordingly after We make this payment.

For avoidance of doubt, the lump sum benefit payable for the Life Insured being diagnosed with Angioplasty & Other Invasive Treatment For Coronary Artery is an acceleration of part of the Critical Illness Benefit payout.

The Policy will end once 100% of Sum Insured is paid out.

Please refer to the product summary for the definition and conditions for the list of covered CI conditions.

3. Upon the death of the life insured while the policy is in force during the policy term, we will pay a lump sum of SGD 20,000 less the Outstanding Premium (if any) and future Instalment Premiums which are required to make up the full year’s Premiums (if any). The policy terminates thereafter.

You should seek advice from a financial adviser representative before making a commitment to purchase the plan.

Buying a life insurance policy is a long-term commitment. As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Premiums are not guaranteed and may be adjusted based on future claims experience.

This marketing material is for reference only and does not consider your specific investment objectives, financial situation or needs. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan. The specific details applicable to this insurance plan are set out in the policy contract. In case of discrepancy between the English and Mandarin versions, the English version shall prevail.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites ( or or

This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as at 23 May 2023.