Etiqa Insurance & Takaful

KEY POINTS TO REMEMBER

Nothing satisfies us more than the knowledge that we have played a pivotal role in helping you manage your financial future. We hope that our journey with you continues throughout your lifetime and that of your future generations.

We firmly believe in building relationships on a platform of mutual trust and respect. As such, we shall do our utmost to help you understand all your options before you plan your financial future with us. We urge you to remember the following tips and advice when making your decision in choosing your policy:

1. Free Look Period

This period allows you to fully understand your policy and decide if it is really the one for you:

Our free look period starts from the date you first received your new policy / certificate document.
If you decide to cancel your policy / certificate, you have 15 days; from the date you first receive the policy / certificate document, to do so. Just write to us to inform us on your decision and we shall refund all premiums / contributions paid after deducting any medical expenses incurred in accepting your proposal.
Do remember that the policy / certificate cannot be cancelled after the free look period.

2. Upgrading instead of Replacing Your Policy / Takaful Coverage

Letting a policy / Takaful certificate lapse or surrendering it in order to take up another (by the same or a different insurer / Takaful operator) may incur losses:

The new policy / certificate will usually be of a higher premium / contribution based on your current age.
You may need to pay extra premium / contribution or be denied insurance / Takaful coverage if there are changes to your health.
In most medical and critical illness policies, the waiting period (the duration when no claim is payable) resumes from the policy / certificate issue date or reinstatement date, whichever is later.

You can meet your financial objectives by upgrading your insurance / Takaful coverage instead of replacing it. Exercise your right to keep your financial objectives on track and be wary of undue influence from any party to terminate your existing policy.

3. Premium / Contribution Payment

Select the payment method that is most convenient to you:

You can make use of bank or credit card auto debit facilities to make a payment.
Payment can also be made via ATM / Phone banking.
For your convenience, we encourage you to use Internet Banking to plan premium / contribution payment to avoid delay.

* Alternatively, you can pay with cash directly to our service centers or specified banks. If you are making your premium / contribution payment by cheque, always ensures that the cheque is only payable to either Etiqa Insurance Berhad or Etiqa Takaful Berhad.

4. Your Personal Information

Your personal information is valuable. We are committed to ensuring the safety and security of your personal information in all our operations. As such, we have put in place strong security measures to prevent unauthorized access that could result in the alteration, destruction, theft or compromise of the confidentiality of your data. You may rest assured that your personal information will be treated with the strictest standards of security and confidentiality by our staff:

Your personal information will only be used by Etiqa Insurance & Takaful authorized personnel in the course of processing and administering your insurance policy/Takaful plan.
Your data will never be shared with another party that is not authorized by Etiqa Insurance & Takaful to process or administer your policy / certificate.

5. Comprehensiveness and Transparency in Product Information

Always be clear on what you are getting from your policy. We are committed at all times to ensuring that all information and disclosure of our products and services are fair, accurate and comprehensive. As such, we shall not engage in deceptive, misleading or false representations with regards to our product and services.

6. Common Documentation for Ease of Processing vie e-Forms

Ensure you have the right documentation to facilitate speed and efficiency. For your convenience, we have made these forms available online:

Proposal Form (General Insurance | General Takaful)
Claims Form (General Insurance | General Takaful)
Policy Contracts (General Insurance | General Takaful)
Product Disclosure Sheets (General Insurance | General Takaful)
Endorsement Instruction Form (General Insurance | General Takaful)
Health Declaration Form
Nomination Form
Request for Change Form
Statutory Declaration Form

7. Disclaimer

We reserve the right to accept or reject an application to purchase our products. We will inform the applicant of the rejection and will also state the grounds for rejecting the application.

This Client Charter is general information for quick reference purpose only.

For further clarification, please contact our Etiqa Oneline at 1300-13-8888.