eTiQa Insurance & Takaful

It's not easy being a Hero. Helping your wife with house chores, coaching your children with homework and working hard on your career. It's important that you have peace of mind financially and health-wise.

The e-Hero plan is designed to offer personal accident coverage and support to the breadwinner of the family. Taking into consideration the enormous support you make to your family, in financial terms at least, the plan ensures that you can continue to be the Hero in their eyes, even when you're not around.

• What will I enjoy with e-Hero?

• Eligibility

• Table of Benefits

• Annual Premium

• Frequently Asked Questions

• Product Benefit Illustration

• Downloads

Click here to visit our e-PA Portal.

	Benefits	Sum Insured (S$)
1	Children Education Fund
	We shall pay SGD 20,000 per child upon your accidental death. The number of children is unlimited and we shall pay for your biological legitimate child.	20,000 per child
2	Settlement of Hire Purchase Loan
	We shall pay the outstanding balance of your Hire Purchase Loan of one of your private motor vehicles in the event of accidental death.	Up to 20,000
3	HouseCare
	In the event of accidental death, a survival payment of SGD 5,000 will be paid in order to settle the house utilities payments.	5,000
4	Credit/Charge Card(s) Outstanding Balance
	We shall pay your credit/charge card(s) outstanding balance held by you as a principal card-holder in the event of accidental death.	Up to 3,000
5	Accidental Death
	Benefit is paid if bodily injury results in accidental death.	100,000
6	Permanent Disablement due to Accident
	a) Permanent Total Paralysis or Complete insanity or injuries resulting in being permanently bedridden.	150,000
	b) Permanent Total Loss of Sight of both eyes or use of both hands or both feet or both limbs or combination of these.	150,000
	c) Permanent Total Loss of Hearing in both ears.	112,500
	d) Permanent Total Loss of Speech.	90,000
	e) Permanent Total Loss of Sight of one eye or use of one hand or leg.	75,000
	f) Permanent Total Loss of Hearing in one ear.	37,500
	g) Permanent Total Loss of use of a shoulder, elbow, knee, ankle or wrist.	22,500
	h) Permanent Total Loss of use of a hip.	22,500
	i) Permanent Total Loss of use or loss by amputation of:
	i) One thumb. ii) One forefinger. iii) Any other finger or one big toe. iv) Any other toe.	15,000 15,000 7,500 3,000
7	Monthly Cash Benefits for Total Permanent Disability (For 5 consecutive years)
	This benefit shall be payable immediately per month after the amount is settled under item 6(a) or (b).	2,000
8	Compassionate Cash
	A cash amount will be given to the family in the event of accidental death to the insured.	5,000
9	Cancer Benefits
	A cash amount is paid if you are diagnosed to be suffering from any or combination of Cancers which are Prostate, Testicular, Penile and Male Breast.	10,000
10	Infertility Compassionate Cash
	A cash amount is paid in the event of injury to the external reproductive organs (Penile, Scrotum & Testis) resulting in total and permanent inability to reproduce, as certified by the treating Medical Practitioner.	10,000
11	Skin Grafting due to Accidents and/or Burns
	Reimbursement for the actual cost of undergoing skin transplant due to accident and/or burns up to an amount not exceeding SGD 5,000 per year.	5,000
12	Hospital Confinement Allowance
	An allowance is paid for each day of hospital confinement due to accident up to maximum of 100 days or SGD 10,000 per year.	10,000 (100 per day)
13	Medical Expenses due to Accident
	Reimbursement for the actual cost of medical and hospital expenses due to accident up to an amount not exceeding SGD 5,000 per year. Any expenses for traditional treatment are included, provided the treatment is subsequent to any medical and hospital treatment limited to SGD 50 per visit and a maximum of SGD 500 per accident.	5,000
14	Loss of Your Sports Belonging and/or Equipment
	We shall pay based on the market value of your Sports belongings or equipment lost during sports activity up to SGD 500 with an excess of SGD 100 for each and every loss.	500
15	Facial Reconstructive and/or Dental Treatment due to Accident
	Reimbursement for the actual cost incurred, to undergo corrective cosmetic surgery to the head, face and/or neck or treatment of injury or damage to teeth, up to an amount not exceeding SGD 10,000 per year.	10,000



1.	Will I be protected if I am abroad?
	Yes, you will be protected if you are outside Singapore on the purpose of business, study or vacation for a period not exceeding three (3) consecutive months.
2.	Can I claim for traditional / alternative treatment expenses?
	Yes, provided that such treatment is sought subsequent to any medical and hospital treatment due to accident.
3.	Can I buy this policy for other people (e.g. husband or father)?
	Yes, you may buy this policy for other people such as your husband or your father. The policy will be under the name of the insured.
4.	Is the policy renewal guaranteed?
	The renewability of the policy is not guaranteed and the Insurer reserves the right to cancel the policy accordingly at policy renewal by giving a minimum thirty (30) days written notice of the Insured.
5.	How do I pay my premium?
	Your premium can be paid via the following options: (a) Cheque payment to Etiqa Insurance Berhad (b) Cash / Nets / Credit card at our office at High Street Centre #08-01 (c) Online credit card payment (d) GIRO by completing payment instruction form
6.	What happens if I forget to pay the premium?
	Not paying before due date will result in early termination of coverage.
7.	Should I decide to cancel my purchase of this policy, will there be any surcharge?
	You are entitled to fourteen (14) days 'free look' period after purchase of this policy. Should you decide to cancel, we will refund all premium paid, minus any medical expenses incurred by us in the process of issuing the policy, if any.
8.	Are there any exclusions?
	Just normal ones such as pre-existin gillness, hazardous occupations or those who participate in professional high-risk sports. Do call us for more details.
9.	How do I make a claim?
	Simply call us at 6336 0477 and our customer service assistants will help you. We are open from 8:30 am to 5:30 pm, Monday to Friday. Alternatively, please visit our website at www.etiqa.com.sg for more details.

Policy Owners’ Protection Scheme

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 your insurer or visit the GIA / LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).