Affordable protection against top 3 critical illnesses and more

Did you know that the latest Protection Gap Study by the Life Insurance Association Singapore recommends that you get critical illness coverage that's 3.9 times your annual income1? Such an amount could shield your dreams, your family's future and your peace of mind.

Etiqa 3 Plus Critical Illness plan protects you for the three conditions that account for 90%2 of all critical illness claims - heart attack, stroke and all stages of cancer (including the notorious "six silent killers").

Yet, the plan is extremely affordable, with premiums starting from $2.85 per month3!

Use the payout for alternative treatment daily expenses or even an overseas retreat to recuperate your mind and body. It’s your call, as you embark on your recovery journey.

Enjoy these benefits with Etiqa 3 Plus Critical Illness

Lump-sum payout

Get 100% of sum insured upon diagnosis of Stroke with Permanent Neurological Deficit, Heart Attack of Specified Severity, or any stage of Cancer.

Special conditions coverage

Additional 20% of sum insured as cash payout for Diabetic Complications or Severe Rheumatoid Arthritis.

Death Benefit

S$20,000 will be paid to your beneficiary.

Complimentary cover for children

Death benefit of S$20,000 for each child of the Life Insured (up to 4 children).

Hassle-free application

Answer only 3 declaration questions on your health. You'll get full coverage even with family history of illness, as long as you're in the pink of health. 

Yearly guaranteed renewal

Renew your plan yearly, up to age 85 with no medical checks required. 

Optional enhanced coverage

Add on Heart and Neurological Disorder rider to get one-time payout upon diagnosis of the covered conditions affecting heart or brain.

Get 60% OFF for first 3 years + up to S$100 cashback

Promotions end on 31 March 2025. Terms and conditions apply.

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.

FAQs

  • 1.
    What is 3 Plus Critical Illness and why do I need it?
    3 Plus Critical Illness is a non-participating and yearly renewable term policy that provides coverage against Cancer (all stages), Stroke with Permanent Neurological Deficit or Heart Attack of Specified Severity while the policy is in force.

    It also provides a death benefit of S$20,000, complimentary cover for child and special coverage for Diabetic Complications and Severe Rheumatoid Arthritis.
  • 2.
    How does the Special Conditions Benefit work?
    Special conditions benefit provides coverage on diabetic complications and severe rheumatoid arthritis. In the event of a claim under the special condition benefits, Etiqa will pay 20% of the sum insured capped at S$25,000 per special condition. The payout from the special conditions benefit will not reduce the sum insured of the policy. Each special condition can only be claimed once under this Benefit regardless of the number of times this policy is being renewed.
  • 3.
    How does the complimentary cover for child works?
    The complimentary cover for child provides death benefit payout of S$20,000 per child of the Life insured covered under this Benefit. Up to 4 named children can be covered and no changes are allowed once the child has been registered under this cover. Complimentary cover for child payout is capped at S$20,000 per child regardless of the number of policies the Life insured has with Etiqa. Payout from the complimentary cover for child will not reduce the death benefit of the Basic policy.

Click here to view more FAQs. 

Useful Information

Understand the details before buying

Promotion terms and conditions

Click here for terms and conditions of 3 Plus Critical Illness promotion.
Click here for terms and conditions of the Cashback promotion. 

Footnotes

1. Source: Protection Gap Study 2022, Life Insurance Association Singapore.
2. Source: Gen Re Dread Disease Survey (2015 – 2019), published in 2022.
3. Based on 60% off first-year premium of 17-year-old male, non-smoker with S$30,000 sum insured.

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. 

Discover other health insurance plans

Up to S$2,500 cashback

Essential critical secure by Singtel and Etiqa
Essential critical secure

Underwritten by Etiqa.

Continuous financial support for critical illnesses

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

  • Receive monthly payout of 1% of sum insured upon diagnosis of the covered severe stage critical illness, capped at 200% of original sum insured
  • Enjoy mental health support

Get 30% off

3 Plus Critical Illness from Singtel and Etiqa
Cancer Insurance

Underwritten by Etiqa.

Protect against all stages of cancer

  • Get 100% of sum insured as cash payout upon diagnosis of any stage of cancer

  • Easy selection of sum insured of S$50,000, S$100,000 or S$200,000 to suit your needs

  • Yearly savings of 6% on your renewal premiums when you did not make any claims