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Authorised Representative of AIA Singapore Private Limited (Reg No. 201106386R).
Ask someone in their late twenties what she earns and she'll tell you within a few hundred dollars. Ask how much critical illness coverage she actually needs, and most people have never once worked out the answer. Here's the number, from research into Singapore's protection gap: the average economically active adult needs about $316,603 in critical illness coverage. The average adult holds $59,776. That's less than a fifth of what's needed, and it's the kind of gap that stays
It's a Tuesday evening, and the dinner table conversation is about school fees, maybe planning the December holiday. The everyday math of running a family. Critical illness insurance doesn't come up, because why would it? Nothing's wrong. That's exactly the gap a 2026 Singlife study puts a number on. The average shortfall between what a critical illness actually costs a family and what their coverage pays out comes to around $170,000. Not because people don't have insurance.
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