Etiqa Insurance Singapore – My Full Review of Their Smart, Digital-Friendly Insurance Plans
If there’s one insurer in Singapore that’s known for being tech-savvy, customer-friendly, and competitively priced, it’s Etiqa Insurance Singapore. Backed by Maybank Group and Ageas, Etiqa combines regional strength with a digital-first approach, offering policies that are not only easy to buy but also easy to manage online.
What stands out for me is how Etiqa focuses on simplicity, speed, and real value. Their insurance products are straightforward—no complicated jargon, no endless paperwork. Whether you’re looking for term life, critical illness cover, savings, or travel insurance, Etiqa has affordable plans that work seamlessly with your life.
Here’s my detailed, easy-to-understand guide to each major insurance plan offered by Etiqa Insurance Singapore, tailored for those who want reliable protection with minimal fuss.
🔵 1. Life Insurance Plans – Affordable Protection for Peace of Mind
✅ ePROTECT Term Life
-
100% online purchase – no paperwork
-
Coverage for death, terminal illness, and total & permanent disability (TPD)
-
Sum assured: from S$50,000 up to S$2 million
-
Flexible policy term: 5–85 years old
-
Option to add critical illness riders
-
Very affordable – ideal for young working adults and parents
🟡 2. Critical Illness & Health Protection
✅ eCriticalCare
-
Lump-sum payout upon diagnosis of 37 severe critical illnesses
-
Fixed policy term of 10 years
-
Coverage ranges from S$50,000 to S$300,000
-
100% online application with no medical check-up required
-
Great add-on for basic health security
✅ Cancer Insurance Plan
-
Covers early-stage, intermediate, and late-stage cancer
-
Affordable premiums with sum assured up to S$200,000
-
Payout for all stages of cancer
-
Simple and fast approval – perfect for first-time insurance buyers
🟢 3. Hospitalisation & Medical Coverage
✅ Tiq Hospital Income Insurance
-
Pays a daily cash benefit when you’re hospitalised due to illness or accident
-
Choose between public or private hospital coverage
-
Additional payout for ICU, surgery, and longer stays
-
Includes COVID-19 coverage
-
Monthly premiums start from just a few dollars
🔴 4. Personal Accident Plans – Everyday Coverage Against the Unexpected
✅ ePROTECT Personal Accident
-
24/7 global protection against accidents
-
Covers accidental death, permanent disability, fractures, burns
-
Medical reimbursement for outpatient and TCM treatments
-
Optional add-ons: dengue fever, food poisoning, and even COVID-19
-
Quick online sign-up with no health check required
🟣 5. Savings & Endowment Plans – For Future Goals with Capital Assurance
✅ eEASY save V
-
Single premium savings plan
-
Short policy term of 3 years
-
Guaranteed returns upon maturity
-
Capital guaranteed with guaranteed yield (~3.5% p.a. or higher depending on tranche)
-
Easy to apply online, with no medical checks
✅ eEASY savepro
-
Regular premium endowment savings plan
-
Guaranteed maturity payout with potential bonuses
-
Choose premium term: 5, 10, or 15 years
-
Includes life protection during savings period
-
Ideal for parents planning for children’s education or future milestones
🧭 6. Retirement & Monthly Income Plans
✅ eEASY life income
-
Lifetime income plan
-
Start receiving monthly payouts after chosen accumulation period
-
Includes life protection and potential bonuses
-
Great for retirement planning and passive income
Note: While Etiqa’s retirement income plans are more limited compared to other insurers, their savings products can be structured to meet retirement goals when combined with other financial tools.
✈️ 7. Travel Insurance – Digital, Flexible, and Quick
✅ Tiq Travel Insurance
-
Covers trip cancellation, travel delay, medical expenses, baggage loss
-
Add-ons: COVID-19 cover, cruise, adventure sports
-
Instant online purchase with customisable levels
-
24/7 global emergency support
-
Ideal for frequent travellers and families
🧒 8. Protection for Children & Families
✅ Family Insurance Bundle
-
Combine life, accident, and hospital income protection for the whole family
-
Simple sign-up with flexible coverage amounts
-
Useful for young families looking for easy, all-in-one solutions
🔁 9. Legacy & Estate Planning
✅ Life Protection (High Sum Assured)
-
Customised whole life or term plans with higher coverage
-
Designed for legacy planning and wealth transfer
-
Subject to underwriting and consultation with Etiqa representatives
Why I Think Etiqa Is a Smart Choice
What I really like about Etiqa Insurance Singapore is their honest pricing, no-nonsense policies, and seamless digital experience. If you’re someone who prefers to do things online—without talking to agents or filling out paperwork—Etiqa is one of the easiest insurers to deal with.
Their ePROTECT series is perfect for busy professionals or young adults buying insurance for the first time. And their savings and hospital plans are simple, transparent, and easy to track using their TiqConnect platform or mobile app.
If you value convenience, control, and clarity—and want to manage your policies online—Etiqa is a strong option worth considering.
🔗 Official Website: https://www.etiqa.com.sg
Post a Comment