e-CancerCare Insurance

Cancer can destroy our life ambitions and leave us with emotional and financial distress. Etiqa’s e-CancerCare will help ease your financial burden of cancer treatments, so you can focus on fighting the disease with our Fast & Easy offerings.
 

Summary of Coverage

 
Cancer Stages Cash Payout
Early Stage Cancer
  • 30% of the insured amount will be payable.
Major Cancer
  • 100% of the insured amount if there is no claim for Early Stage Cancer benefit.
  • 70% of the insured amount if Early Stage Cancer benefit has been claimed.
Advanced Cancer
  • 150% of the insured amount if there is no claim for Early Stage Cancer benefit.
  • 120% of the insured amount if Early Stage Cancer benefit has been claimed.

Key Benefits

Early Cash Payout
A cash payout of 30% of the insured amount will be paid directly to you for early stage cancers, including carcinoma in situ.
Lump Sum Cash Payout
A lump sum of 150% of the insured amount will be paid directly to you upon diagnosis of advanced cancers.
Instant Approval
No medical check-up required. Simply answer one health question for immediate cover.
Affordable
Get complete cancer coverage from as little as 21 sen a day.

 Premium will be increased on the first day of the next policy year, in accordance to the age you attained the policy. Benefits are subject to terms & conditions. Please view the downloads section below for more details.

Combat cancers with Etiqa's e-CancerCare now

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e-CancerCare Downloads

Frequently Asked Questions

  1. What is e-CancerCare? What does it cover?
    e-CancerCare plan is a pure protection insurance plan that pays a lump sum benefit in the event the life insured is diagnosed with early stage cancer, major cancer or advanced stage cancer. Please refer to the Product Disclosure Sheet or Sales Illustration on detailed exclusions, terms and conditions of the payable benefits.
     
  2. Who is this product suitable for?
    This product is suitable for adults who are looking for a cancer protection plan. A sum of money will be provided upon diagnosis of cancer. The life insured may use the money for medical treatment, or for the living expenses while receiving the treatment.
     
  3. How can I sign up? Can I go through an agent?
    You can go through our website to sign up for the plan. This is an online product and not sold by our agents. There is no commission charged on this plan.
     

  1. Who is eligible to sign up or purchase?
    Malaysians between 18 and 55 years old (age next birthday) are eligible to purchase, subject to fulfillment of the health questions.
     
  2. Can a foreigner enroll in this plan?
    This plan is only offered to Malaysians between 18 and 55 years old (age next birthday).
     
  3. Can I have more than one policy?
    Yes, you can sign up for more than one policy. However, the total sum insured of all of your policies for this product must not be more than the limit allowed by us.
     
  4. What if I misstate or do not disclose any of the required information?
    Misstatement or non-disclosure of material information will result in voidance of the policy, or your claim not being paid. To prevent these unwanted events, you are required to disclose all relevant information, including medical condition and age, correctly.
     

  1. How much does it cover and for how long?
    This is a flexible plan in which you can opt for a minimum sum insured of RM20,000 or any amount higher by every RM10,000, up to RM300,000. You can opt to be covered for 5 years, 10 years, 15 years or 20 years.
     
  2. How does the premium amount determined?
    You are charged a certain amount of premium subject to your age, gender, sum insured amount and the policy term chosen at the time of application. The premium may increase in accordance to your attained age. Premium rates are non-guaranteed and we reserves the right to revise the premium rate by giving 3-month prior notice.
     
  3. Can I increase or lower my sum insured?
    Change of sum insured is allowed after the policy has commenced, subject to our underwriting decision. Alternatively, you may also apply for additional policies to enjoy higher sum insured, subject to the limit allowed by us and other applicable terms and conditions.
     
  4. How to pay and what is the frequency to pay the premium for the policy?
    You may pay the premium via credit card or debit card. You may opt to pay the premium monthly, or annually. You may continue using the credit card/ debit card or switch to your bank saving account to pay for the renewal premium.
     
  5. How do I change my credit/debit card used for premium deduction?
    You may walk in to any of our branches and fill up a Request For Change form, and the Premium Payment through Visa/Master Card form.
     
  6. What happens if I stop paying the premium?
    There is a grace period of 31 days from the premium due date given to you to pay the premium. You are still covered within the grace period. If the premium due is not paid within the grace period, your policy may lapse and you will not be entitled for the benefits shall the covered event (early stage cancer, major cancer or advanced stage cancer) occurs.
     
  7. Do I enjoy a tax relief on the premium paid?
    You may use the life insurance premium paid for tax relief, as per current Malaysian tax regulation and subject to the Inland Revenue Board’s approval.
     

  1. Will there be any medical examination?
    No medical examination is required. Your application will either be accepted or rejected based on our pre-determined requirements.
     

  1. Can I cancel or surrender the policy?
    You may cancel your policy with a written instruction to us within 15 days after the policy has been received by you. We will then refund the premium received to you. However, if you surrender the policy after the 15 days, you will not be getting any surrender value.
     
  2. What if I lose or do not receive my policy documents? Or if I need to update my personal information or contact details?
    You may email us at info@etiqa.com.my or call Etiqa Oneline at 1-300-13-8888.
     

  1. How to file a claim in case of covered events happen (diagnosis of Early Stage Cancer, Major Cancer or Advanced Stage Cancer)?
    We can be contacted via email at info@etiqa.com.my or call Etiqa Oneline at 1-300-13-8888.
     
  2. What will I receive at the end of the policy term if no claim is made during the policy term?
    This is a pure protection insurance plan that does not provide maturity benefit.

  1. How will I receive confirmation on my application? When does the cover start?
    The confirmation of your application is immediate through the website. The cover will start on the day your application is accepted with payment made, with a policy document and payment receipt emailed to you.
     
  2. Who can I contact for further information?
    You may email us at info@etiqa.com.my, call Etiqa Oneline at 1-300-13-8888, or visit our website at www.etiqa.com.my for further information. A 24-hour Live Chat is also available on our website for enquiry.

Underwritten by Etiqa Life Insurance Berhad (Co. Reg. No. : 201701025113)
(Licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia)
This is a pure protection product whereby the sole purpose of the product is to provide you with coverage for specific covered events. This product is distributed without any intermediaries.

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