eTiQa Insurance & Takaful

When it comes to personal injury, financial worries should be the last thing on your mind.

At Etiqa, we understand that different people have different priorities and needs. That's why we cater our plans to meet these different needs.

The e-Protect Plan assures you against personal injury and ensures that you have sufficient financial support for yourself and your family should the need arise. We help take care of you first so that you can take care of your loved ones.

• What will I enjoy with e-Protect?

• Eligibility

• Table of Benefits

• Annual Premium (including 7% GST)

• Frequently Asked Questions

• Downloads

Click here to visit our e-PA Portal.

Benefits		Classic (S$)	Elite (S$)
Section 1 - Accidental Death		100,000	300,000
We shall pay the Benefit Amount if, during the Period of Insurance, you have sustained Bodily Injury which results in Accidental Death within fifty two (52) weeks from the date of Accident.
Section 2 - Permanent Disability due to Accident		100,000	300,000
If, during the Period of Insurance, you have sustained Bodily Injury which results in Permanent Disability within fifty two (52) weeks from the date of Accident, we shall pay the relevant Benefit Amount as specified below:
a)	Permanent Total Paralysis or complete insanity or injuries resulting in being permanently bedridden.	100,000	300,000
b)	Permanent Total Loss of sight of both eyes or use of both hands or both feet or combination of these.	100,000	300,000
c)	Permanent Total Loss of speech.	100,000	300,000
d)	Permanent Total Loss of hearing in both ears.	100,000	300,000
e)	Permanent Total Loss of sight of one eye or use of one limb.	50,000	150,000
f)	Permanent Total Loss of hearing in one ear.	20,000	60,000
g)	Permanent Total Loss of use of a shoulder, elbow, hip, knee, ankle or wrist.	15,000	45,000
h)	Permanent Total Loss of use or loss by amputation of:
	i) One thumb.	15,000	45,000
	ii) One forefinger.	10,000	30,000
	iii) Any other finger or one big toe.	5,000	15,000
	iv) Any other toe.	2,000	6,000
Section 3 - Compassionate Cash		1,000	3,000
Lump sum cash benefit to the family in the event of accidental death to the insured.
Section 4 - In-hospital Medical Expenses (any one accident)		1,000	3,000
Reimbursement based on per accident for medical and surgical treatment.
Section 5 - Hospital Confinement Allowance		50 per day	150 per day
A cash allowance as stated in the table will be paid up to 100 days if confined in a hospital for more than 24 hours for treatment for an accident.		up to 100 days	up to 100 days
Section 6 - Outpatient Cash Benefit		50	50
Lump sum cash irrespective of amount shown in receipt, for your emergency treatment at a registered clinic/hospital as a result of an accident.
Section 7 - Outpatient Medical Expenses		100	300
If the cost of your emergency treatment at a registered clinic/hospital exceeds the amount payable in Section 6, we will reimburse the additional amount up to the maximum limit shown.
Section 8 - Chinese Medical Expenses		100	300
Reimbursement for cost of seeking treatment by a certified/registered Chinese Medical Practitioner in the event of any accidental bodily injury for any one accident subject to original receipt being provided.
Section 9 - Snatch Theft		100	300
Lump sum cash for bodily injury caused by snatch thief (with police report).
Section 10 - Accidental Dental Treatment		500	1,500
Reimbursement for corrective or treatment of injury or damage to sound natural teeth due to accident.
Section 11 - Kidnap Benefit with police report including validation of kidnap by police		1,000	2,000
Lump sum payment on the necessary expenses incurred for hiring of a licensed private investigator appointed with the consent of the Company incurred by your family members in the event of being kidnapped. This benefit is payable subject to verification and confirmation by the police that a kidnap has taken place.
Section 12 - Ambulance Fees		100	300
Reimbursement of the actual fee (up to a maximum limit as specified) incurred for the use of ambulance services, subject to original receipt being provided.
Note:
a)	Children benefit (each child) is covered at 20% of adult benefit under Section 1 to 4 only.
b)	To be eligible, your Child or Children must be a Singapore Citizen, or Permanent Resident of Singapore, or Foreigners with valid Dependant's Pass or Long-Term Visit Pass of age between 1 and 24.

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).