FAQ – Online Life Protection

Am I eligible to apply for Etiqa’s online life protection?

Yes, if you fulfil the following requirements:

  • You are a Singapore resident with valid NRIC or FIN.
  • You are between the age of 19 and 65 years old.
  • You are a tax resident of Singapore.
  • You have resided in Singapore for 182 consecutive days on day of insurance purchase.
  • You are proficient in spoken or written English.
  • You are not an undischarged bankrupt.
  • You are not purchasing this plan to replace any existing policy with Etiqa or other insurer(s).
What is Direct Purchase Insurance?

Direct Purchase Insurance (DPI) – identified by the prefix “DIRECT” in their product names – are life insurance products that you can buy directly from insurance companies, without paying any intermediary fee.

Etiqa provides two DPI options, namely DIRECT – Etiqa term life & DIRECT – Etiqa whole life. Both options come with Life and Total and Permanent Disability cover and an option to cover Critical Illnesses. More information on DPI is available at: DPI Fact Sheet or MoneySense website.

How much DPI can I buy from Etiqa?

You can insure yourself from S$50,000 up to S$400,000 for DIRECT – Etiqa term life or up to S$200,000 for DIRECT – Etiqa whole life.

What if I wish to have higher coverage?

You may consider our ePROTECT term life policy, which can provide coverage up till S$2 million.

What are the 30 critical illnesses covered under DIRECT - Etiqa CI rider?
  1. Major Cancers
  2. Heart Attack of Specified Severity
  3. Stroke
  4. Coronary Artery By-pass Surgery
  5. Kidney Failure
  6. Aplastic Anaemia
  7. End Stage Lung Disease
  8. End Stage Liver Failure
  9. Coma
  10. Deafness (Loss of Hearing)
  11. Heart Valve Surgery
  12. Loss of Speech
  13. Major Burns
  14. Major Organ / Bone Marrow Transplantation
  15. Multiple Sclerosis
  16. Muscular Dystrophy
  17. Parkinson’s Disease
  18. Surgery to Aorta
  19. Alzheimer’s Disease / Severe Dementia
  20. Fulminant Hepatitis
  21. Motor Neurone Disease
  22. Primary Pulmonary Hypertension
  23. HIV Due to Blood Transfusion and Occupationally Acquired HIV
  24. Benign Brain Tumor
  25. Viral Encephalitis
  26. Bacterial Meningitis
  27. Angioplasty & Other Invasive Treatment For Coronary Artery
  28. Blindness (Loss of Sight)
  29. Major Head Trauma
  30. Paralysis (Loss of Use of Limbs)

For more information, please refer to Rider Contract.

Is medical examination required in order to purchase a term insurance?

Medical examination may or may not be required, depending on your age, health conditions, and coverage applied for. Generally, with DIRECT – Etiqa term life, ePROTECT term life, ages up to 40 year old can get up to S$1.5 million of coverage without the need for a medical check. If a medical check is required, we will bear the cost.

Is medical examination required in order to purchase a whole life insurance?

Medical examination may or may not be required, depending on your age, health conditions, and coverage applied for. Generally, with DIRECT – Etiqa whole life, ages up to 40 year old can get up to S$650,000 of coverage without the need for a medical check. If a medical check is required, we will bear the cost.

Will I still be covered when I move to a different country?

Yes, you will be covered as long as you continue paying your premiums.

Where can I buy life insurance from Etiqa?

The easiest way to get life insurance from Etiqa is through our online portal.
You can also contact our friendly Customer Care team.