Critical support beyond a one-time payment

Many critical illness plans offer a substantial one-time payout, giving you the freedom to use it as necessary. However, some situations may require prolonged treatments and have uncertain recovery periods, which may lead to the need for stable and longer-term financial support

Essential critical secure is the first in Singapore to offer continuous monthly payouts on top of a lump sum benefit to address this pressing gap. Premiums are also waived upon an early or intermediate stage critical illness so as to provide continuous coverage that supports you all the way through.

And to meet your wellbeing needs, mental health care benefits are included too!

Enjoy these benefits with Etiqa Essential critical secure

All-stage critical care coverage

Get covered against 104 critical illness conditions across early, intermediate and severe stages.

Lump sum benefit1

Get 50%2 of sum insured with a covered early or intermediate stage critical illnesses and 100%2 of sum insured for a covered severe stage critical illnesses.

Continuous Care Benefit for sustained support

Enjoy continuous financial support for up to two diagnoses of the 36 covered severe stage critical illnesses. Each diagnosis gives a monthly payout of 1% of sum insured, with total payout capped at 200% of original sum insured.

Minimum payout for Continuous Care Benefit 

Once a successful claim is made for the Continuous Care Benefit, you are guaranteed to receive payout that's at least 5 years of the monthly benefit, even if the policy ends or death happens.

Premium Waiver Benefit

Continue your remaining coverage without paying premiums after the diagnosis of a covered early or intermediate stage critical illness.

Death Benefit

Receive a lump-sum payout of S$5,000

Mental Wellbeing Benefits

Claim up to 8 psychiatrist consultations for Mild Depression or Generalised Anxiety Disorder, capped at S$180 for each visit. Available from the 2nd policy year onwards.

Support for severe mental health conditions

Receive 20% of sum insured, capped at S$25,000 upon diagnosis of 1 of the 5 covered severe mental health conditions3 such as Bipolar Disorder I and Severe Obsessive Compulsive Disorder (OCD).

Affordable premiums

With premiums starting from just S$0.86 per day4, you can get S$100,000 of critical illness benefit and up to S$200,000 of Continuous Care Benefit.

Flexible terms

Choose your own sum insured from S$30,000 to S$1,000,000 and policy term of up to age 70, 75, 80, 85, 90, 95 or 100.

Enjoy up to S$2,500 cashback 

 

T&Cs apply.

How it works

Extended assurance for critical illnesses
 

  

Mark, aged 30, non-smoker, purchases Essential critical secure for his daughter, Olivia, who is 1 year old.

Opts for:

  • S$100,000 sum insured for Essential critical secure
  • 69 years policy term for coverage till Olivia is 70 years old

Support for mental health conditions and critical illnesses
 

  

Joseph, age 35, non-smoker

Opts for:

  • S$100,000 sum insured for Essential critical secure
  • 45 years policy term for coverage till 80 years old

 

The scenario(s) above are for illustration purposes only.

Leave your details below

Etiqa will get back to you by the next working day, or you can start an instant WhatsApp chat with them.

Get S$20 cash5 after you meet with an Etiqa Assurance Manager - no purchase required. T&Cs apply.

Useful Information

Product brochure:

  Essential critical secure

Product summary:

  Essential critical secure

Understand the details before buying

Promotion terms and conditions

Click here for terms and conditions of the Cashback promotion. 

Footnotes

1. Please refer to the policy contract for the maximum claim limit.
2. Except for Angioplasty & Other Invasive Treatment for Coronary Artery. Note that the total sum insured paid for early, intermediate, and severe stage critical illness does not exceed 100% of sum insured. An early or intermediate stage critical illness claim will accelerate 50% of the sum insured as payout.
3. Please refer to the policy contract for the covered conditions and detailed terms and conditions.
4. Premium is illustrated based on a female aged 1 year, non-smoker and a sum insured of S$100,000 for a policy term of up to age 70 on a yearly premium frequency.
5. Click here for the terms and conditions for the "Meet with an Etiqa Assurance Manager" promotion.

Disclaimer

Terms and conditions apply.

As an introducer, Singtel is not permitted to give advice or provide recommendations on any investment product to you; or arrange any contract of insurance in respect of life policies, other than to the extent of carrying out introducing activities. Singtel may be remunerated by Etiqa Insurance Pte. Ltd (UEN: 201331905K) (“Etiqa”) for each successful referral. Singtel will disclose the amount of the successful referral remuneration it receives from Etiqa in respect of your referral if requested by you. Please direct all insurance enquiries to Etiqa (https://www.etiqa.com.sg/).

This policy is underwritten and distributed by Etiqa. This content is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract.

As these products have no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely. You should seek advice from a financial adviser before deciding to purchase the policy. If you choose not to seek advice, you should consider if the policy is suitable for you. The information contained on this product advertisement is intended to be valid in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore. 

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 Etiqa or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg). 
 
This advertisement has not been reviewed by the Monetary Authority of Singapore. 

Information is correct as at 21 February 2025. 

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