Essential critical secure
Complete care for critical illness and mental health at an affordable cost
Policy type
Term life plan
Policy term
Up to age 70, 75, 80, 85, 90, 95 and 100
Premium term
Same as policy term
Why Essential critical secure?
- Comprehensive coverage for a total of 104 critical illness (CI) conditions across early, intermediate and severe stages.
- First in the market to provide a monthly cash payout of up to 200%1 of the original sum insured2 upon a severe stage CI to provide you with continuous financial support.
- Secure peace of mind with our premium waiver benefit upon an early or intermediate stage CI claim.
- Support and empower your mental well-being with benefits for 7 mental health conditions
- Affordable Premiums: At just S$0.86 per day3, you can get S$100,000 of CI Benefit + up to S$200,0001 of Continuous Care Benefit.
What you can get
Comprehensive CI coverage for multiple stages
Get protection against 104 medical conditions across early, intermediate and major stages.
Lump Sum Payout for all stages of CI4
- Early and Intermediate Stage CI Benefit
50% of the sum insured will be accelerated and paid upon the diagnosis of a covered early or intermediate stage CI.
- Severe Stage CI Benefit
Receive 100%5 of the sum insured upon the diagnosis of a covered severe stage CI.
Continuous Care Benefit First In Market
Continuous Care Benefit
First In Market
Additional monthly cash payout of 1% of the sum insured upon the diagnosis of any of the 36 covered severe stage CIs for up to 200%1 of the original sum insured.
Be assured to receive at least 5 years of Continuous Care Benefit once a successful claim is made, even if the policy ends or death happens.
Premium Waiver Benefit
Secure peace of mind with all future premiums waived upon the diagnosis of a covered early or intermediate stage CI.
Financial support for mental health
- Mild Mental Health Benefit
Payout of S$180 for each psychiatrist consultation (up to 8 claims) upon the diagnosis of Mild Depression or Generalized Anxiety Disorder after the first policy year. - Severe Mental Health Benefit
If the life insured is diagnosed with 1 of the 5 covered severe mental health conditions, 20% of the sum insured will be accelerated6 and paid in one lump sum.
Flexible coverage duration
Choose from a coverage term of up to age 70, 75, 80, 85, 90, 95 and 100, whichever best suits your needs.
Death benefit
A lump sum of S$5,000 will be paid to your loved ones should the unforeseen happen.
1 Subject to a maximum of 2 claims. The total amount payable for the Continuous Care Benefit does not exceed 200% of the original sum insured per policy.
2 Original sum insured means the sum insured of the Essential critical secure policy before the reduction in sum insured due to prior claim(s) for CI Benefit and Severe Mental Health Benefit.
3 Premium is illustrated based on a female aged 1 year, non-smoker and a sum insured of S$100,000 for a premium and policy term of up to age 70 on a yearly premium frequency.
4 CI Benefit consists of the Early and Intermediate Stage CI Benefit and the Severe Stage CI Benefit. The total amount payable for CI Benefit does not exceed 100% of the sum insured. Maximum aggregate amount of S$2,000,000 per life insured for early, intermediate and severe stages of CI (including premiums to be waived under this policy), subject to a cap of S$350,000 per life insured for early or intermediate stages of CI, for all policies and riders issued by us and other insurance companies on the same life insured.
5 Except for Angioplasty & Other Invasive Treatment for Coronary Artery. Less any claim(s) paid for Angioplasty & Other Invasive Treatment for Coronary Artery, Early and Intermediate Stage CI Benefit and Severe Mental Health Benefit.
6 Subject to a maximum of S$25,000 per life insured.
Here’s how Essential critical secure works
May, age 35, and a non-smoker, is looking for an affordable term life plan to supplement her existing critical illness coverage. She signs up for Essential critical secure with a sum insured of S$100,000 and chooses a policy and premium term of up to age 85. She pays S$1,634 premiums annually.
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Age means the age at the next birthday.
This policy is underwritten by Etiqa Insurance Pte. Ltd.. 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 this product has 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 us 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.
The information on this page is correct as of 7 March 2024.
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