In today's uncertain world, critical illness insurance plays a vital role in protecting your financial well-being. The TIQ 3 Plus Critical Illness product offers comprehensive coverage against major health challenges. This innovative policy provides protection for cancer at all stages, heart attack, and stroke, ensuring you have financial support when you need it most. With additional benefits for special conditions and a yearly renewable structure, TIQ 3 Plus Critical Illness aims to provide peace of mind and financial security in the face of serious health issues.
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TIQ 3 Plus Critical Illness offers extensive coverage for critical illnesses, with a focus on providing comprehensive protection. This section outlines the key aspects of the policy's coverage, including the number of critical illnesses covered, their definitions, payout structure, and additional benefits for specific conditions.
The policy covers 3 major critical illnesses: Cancer (all stages), Heart Attack of Specified Severity, and Stroke with Permanent Neurological Deficit. This focused approach ensures protection against some of the most common and impactful health challenges.
TIQ 3 Plus Critical Illness uses the Life Insurance Association Singapore (LIA) standard definitions for severe-stage critical illnesses (Version 2019). This ensures clarity and consistency in coverage, with detailed explanations provided for each covered condition.
Upon diagnosis of a covered critical illness, the policy pays out the full sum insured as a lump sum, less any amounts owing. This single payout structure provides immediate financial support when you need it most.
The policy includes coverage for early and intermediate stages of cancer, providing additional protection. This feature allows for financial support even in the early stages of a critical illness diagnosis.
TIQ 3 Plus Critical Illness goes beyond basic critical illness coverage by offering additional benefits that enhance the overall value of the policy. These extra features provide broader protection and support for policyholders and their families.
The policy includes a death benefit of S$20,000, payable as a lump sum upon the death of the life insured. This provides an additional layer of financial protection for your loved ones.
A complimentary cover of S$20,000 per child is provided for up to four children in the event of a child's death. This benefit is available for children aged 14 days to 16 years old.
The policy offers coverage for special conditions such as Diabetic Complications and Severe Rheumatoid Arthritis. This benefit pays out 20% of the sum insured, up to a maximum of S$25,000 per condition.
| Age | What suggestion covers | Premium |
|---|---|---|
| 23, Female making $2,300 a month | annual limit $1,200,000 ward Up to Private hospital A ward (can also stay in Govt hospital) | $221.05 annual |
TIQ 3 Plus Critical Illness is designed to provide flexible coverage that can adapt to your changing needs over time. This section outlines the key features of the policy term and renewability options, ensuring you understand how long you can maintain coverage and under what conditions.
The policy is available for individuals up to age 84. This wide age range allows for coverage to be obtained at various life stages, providing critical illness protection for a broad spectrum of customers.
TIQ 3 Plus Critical Illness is a yearly renewable plan with a 1-year policy term. This structure allows for flexibility in coverage and the ability to reassess your insurance needs annually.
The policy is automatically renewed at the end of each 1-year term, subject to certain conditions. Renewal is possible up to age 85, ensuring long-term coverage availability.
Filing a claim with TIQ 3 Plus Critical Illness is designed to be straightforward and hassle-free. To make a claim, policyholders must inform Etiqa Insurance in writing within three months of the event giving rise to the claim. All necessary documents and evidence must be provided at the claimant's expense. Etiqa reserves the right to require the life insured to be examined by their panel doctor. For any questions or assistance with claims, customers can contact Etiqa's customer service team through their official website or designated contact channels.
TIQ 3 Plus Critical Illness offers valuable protection for individuals seeking comprehensive coverage against major critical illnesses. This policy is particularly well-suited for those who want focused protection against cancer, heart attack, and stroke, with the added benefit of early-stage cancer coverage. It's also an excellent choice for parents looking for additional protection for their children through the complimentary child cover. The yearly renewable structure makes it ideal for those who prefer flexibility in their insurance coverage.
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