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best Diabetes Insurance Plan in Singapore (2026)

Learn about the different Insurance Plans for Diabetics and other pre existing conditions and compare diabetes insurance plans from different insurers to find the plan that best suits your needs

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Diabetes Insurance Overview

A diabetes insurance plan can provide a lump sum payout for critical illnesses such as cancer, heart attack, or stroke, even if diabetes is a pre-existing condition. This ensures financial support for major health setbacks without the need for hospitalization claims. These plans may also cover diabetes-related complications like kidney failure and neuropathy, along with OPD treatment and preventive care. While eligibility typically ranges from 25 to 70 years, premiums may be higher for individuals with pre-existing diabetes condition or other Chronic illnesses such as Hypertension or High Cholesterol.

insuring diabetic

1 in 9 Singaporeans have diabetes, 1 in 5 have high blood pressure, 1 in 3 have high cholesterol. Don’t worry, let’s get you covered. Complication from diabetes such as amputation are common

Tailor Made CI Solution

Get covered for Cancer and the most commonly diagnosed critical illness for diabetic and people with hypertension such as heart attack, stroke & kidney failure and other diabetic complications.

Partial Premium Refund

Enjoy partial refund of up to 25% of your premium if no claims are made during the policy term. You will receive the lump sum at the end of your policy term.

Eligible Plans to Consider

Singlife Essential Critical Iillness Plan

Covered For
Death, Permanent Disability, Critical Illness & Diabetic Conditions
What is Covered
4 Diabetic Specific Condition, 11 Critical Illness Condition Covered

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Manulife Critical SelectCare

Covered For
Death & Critical Illness, Special Conditions & Diabetic Specific Illness
What is Covered
2 Special Condition,5 Critical Illness Condition Covered, Covers Type 1 Diabetes

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chinalife Cancer guardian

Covered For
Death & Early to Advance Stage Cancer
What is Covered
1x Payout for Cancer, Death Benefit $5,000 (Renewable Premium Annually)

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Tokio Marine #go TotalProtect Cancer

Covered For
Death & Early to Advance Stage Cancer
What is Covered
Coverage against Early to Advance Stage Cancer with Claim payout up to 150% of the Sum Assured. Provides 2x SA and 25 months Monthly Income Payout for Advance Stage Cancer

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Raffles Shield A + Raffles Hospital Option

Covered For
Hospitalisation
What is Covered
Hospitalisation Bill (Immediate Decline – Type 1 Diabetes, Requires insulin or HBA1c > 7.5%)

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Etiqa Essential Cancer Care

Covered For
Cancer & Death ($3,000)
What is Covered
50% of the sum insured if you are diagnosed with early or intermediate-stage cancer, and 100% of the sum insured for severe-stage cancer.

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Income Complete Cancer Care

Covered For
Cancer & Death
What is Covered
Choose between 2 options, Care 50 and Care 100, for the lump sum payout under our Major Cancer Benefit, Receive up to 1% of the sum assured per month for up to 24 months^[4] to help reduce the out-of-pocket expenses for cancer treatment.

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Term Insurance Plan

Covered For
Death, Disability and Critical Illness (With Terms)
What is Covered
Get comprehensive coverage even with a diabetic condition. We’ll assist you in applying and navigating the process to secure death, disability, and critical illness coverage with reasonable special terms.

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Diabetes Insurance F.A.Q

Find answers to commonly asked questions about Diabetes Insurance in Singapore

Am i eligible for any plans?

Depending on your conditions, we suggest you make an enquiry and consult with a financial advisor before they advice what plan is eligible for you.

What is the difference between diabetic insurance vs normal life insurance?

Usually, diabetes insurance has higher premium with selected number of critical illness conditions covered, it provides specific diabetic diseases coverage such as Diabetic Nephropathy or certain medical procedures such as amputation of limbs due to diabetes. Total and permanent disability can be covered as well.

I wish to try for a normal life policy can you help me?

Yes, however we will have to let you know that base on experience, standard term life plan may provide death coverage, but individuals with diabetes may face higher premiums due to additional risk loading. However, benefits like Total and Permanent Disability (TPD) and Critical Illness (CI) coverage are often challenging to obtain

Are the premium fixed or does it keep increasing?

The premium remains fixed once you are insured but is not guaranteed, as the insurer may adjust it due to claims experience. Some of the plans comes with a renewable feature where premium increases upon renewal of the policy

How do i apply and pay?

After our experts contact you via your form submission to clarify your needs and guide you through your options. You can then apply for your preferred solution with them via online or face to face submission. Premium payments can be made via credit card (recurring setup), GIRO, AXS (physical stations, website, or app), or bank transfer through online banking

Have more questions? Chat with us for instant answers to your financial queries!

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Get Quote for Diabetes and Cancer Insurance

We compare plans from over 10 insurers to find the most cost-effective option tailored to your needs completely obligation-free. Simply Retrieve your info using your Singpass app or manually fill in the form below, and you’ll receive a personalized set of quotes from us within 24 hours, often even sooner.

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Diabetes Insurance Form

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Do you have diabetes or other conditions?

Yes Type 2 Diabetes

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page from

best Diabetes Insurance Plan in Singapore (2026)

Diabetes Insurance Overview

insuring diabetic

Tailor Made CI Solution

Partial Premium Refund

Eligible Plans to Consider

Singlife Essential Critical Iillness Plan

Manulife Critical SelectCare

chinalife Cancer guardian

Tokio Marine #go TotalProtect Cancer

Raffles Shield A + Raffles Hospital Option

Etiqa Essential Cancer Care

Income Complete Cancer Care

Term Insurance Plan

Diabetes Insurance F.A.Q

Get Quote for Diabetes and Cancer Insurance

Diabetes Insurance Form

What Insurance options are there if I have a pre-existing condition?

Manulife Critical Select Care: Covering Diabetes Type 1 & 2 for Age 40 and Beyond

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