e-Treasure 3 Insurance

An insurance savings plan that comes with guaranteed cash payouts which increase every year throughout a 3-year time period, something you don’t see every day. Etiqa e-Treasure 3 is a short-term life insurance plan with guaranteed acceptance during sign up.

Key Benefits

Guaranteed Annual Cash Payout
Earn annual cash amounts that increase every year, up to 2.5%* of the total premiums paid.
*Rates are Guaranteed, provided premiums due are paid on a timely basis.
Guaranteed Maturity Payout
You will receive 100% of total premiums paid upon maturity.
Guaranteed Acceptance
All applications are approved instantly with no medical examinations.
Death Benefit
Cash payout of 105% of total premiums paid will be directly credited to your loved ones upon your demise.

Note: The key benefits above are subject to terms and conditions.

Fast & Easy way to Grow your Money

Kick start your short-term insurance savings plan with as little as RM10,000 a year and enjoy cash payouts of up to 2.5% of total premiums paid.

How It Works?

  • Day 1 of Policy Year 1

    Start your plan with annual premiums of RM30,000.

  • End of Policy Year 1

    You will receive Guaranteed Annual Cash Payouts of RM600 (2% of total premiums paid).

  • Day 1 of Policy Year 2

    You continue to pay your annual premium of RM30,000.

  • End of Policy Year 2

    With a total premium paid of RM60,000, you will receive Guaranteed Annual Cash Payouts of RM1,350 (2.25% of total premiums paid).

  • Day 1 of Policy Year 3

    At the final policy year, you DON’T need to make any premium payments.

  • End of Policy Year 3

    When your policy matures, you will receive:
    •    Guaranteed Annual Cash Payouts of RM1,500 (2.5% of total premiums paid)
    •    And, Guaranteed Maturity Payouts of RM60,000 (100% of total premiums paid)
    So over 3 years, you would have received a total guaranteed cash payout of RM63,450

Find out what are the e-Treasure 3 benefits and how to sign up.

Frequently Asked Questions

  1. What is e-Treasure 3? What does it cover?
    e-Treasure 3 is a limited time offer, 3-year insurance plan with savings element. This plan pays the sum insured on death, and provides yearly Guaranteed Cash Payment (GCP) and maturity benefits. Please refer to the Product Disclosure Sheet or Sales Illustration for detailed exclusions, terms and conditions of the benefits payable.

  2. Who is this product suitable for?
    This product is suitable for adults who are looking for a simple insurance plan with guaranteed cash payments.

  3. Who is eligible to sign up or purchase?
    Malaysians between 17 and 70 years old (age next birthday) are eligible to purchase, subject to the 2-month offer period. Etiqa reserves the right to revise the offer period when deemed necessary. 
  4. Can a foreigner enroll in this plan?
    This plan is only offered to Malaysians between 17 and 70 years old (age next birthday).
  5. How much does it cover and for how long?
    The sum insured at any point of time is 105% of the total premium you have paid, and it is payable upon death. You are required to pay the yearly premium for 2 years, for a 3-year cover.
  6. Can I have more than one policy?
    Yes, you can sign up for more than one policy.
  7. Can I increase or lower my yearly premium?
    Change of premium is not allowed after the policy has commenced. Alternatively, you may apply for additional policies to enjoy more benefits, subject to the limit allowed by us and other applicable terms and conditions.
  8. Will there be any medical examination?
    No medical examination is required. Your application is guaranteed to be accepted.
  9. How is the premium amount determined?
    This is a flexible plan in which you can determine the premium amount based on your ability to pay, subject to the limit allowed by us. You can opt for any annual premium amount between RM10,000 and RM50,000, in multiple of RM1,000 (e.g. RM13,000).
  10. How to pay and what is the frequency to pay the premium for the policy?
    This is a yearly premium paying plan and you may pay the premium via credit card or debit card.
  11. 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 renewal premium. If the premium due is not paid within the grace period, your cover will be adjusted accordingly. Please refer to the Product Disclosure Sheet or Sales Illustration for the terms and conditions of the benefits payable.
  12. 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.
  13. 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.
  14. 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 be getting a surrender value that is less than the total premium paid.
  15. How to file a claim in case of covered event (death) happen?
    We can be contacted via email at info@etiqa.com.my, Etiqa Oneline at 1-300-13-8888, or the 24-hour Live Chat on our website. You may also refer to the quick guide on our online claims submission.
  16. What will I receive at the end of the policy term if no death claim is made during the policy term?
    On top of the yearly GCP, 100% of the total premium paid will be refunded to you upon policy maturity.
  17. 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, call Etiqa Oneline at 1-300-13-8888, or reach us via the 24-hour Live Chat on our website.
  18. 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 age and gender, correctly.
  19. 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.
  20. 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.
  21. 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.

Download Documents

Please refer to the Product Disclosure Sheet and Campaign for further details.

Underwritten by Etiqa Life Insurance Berhad (Co. Reg. No. : 201701025113)
(Licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia).