1. This Hang In There Circuit Breaker Campaign (“Campaign”) is valid from 27 Apr 2020 to 24 May 2020 (both dates inclusive) (“Campaign Period”), organized by Tiq by Etiqa Insurance (“Organizer”).
2. This Campaign is open to all Singapore citizen(s), Singapore Permanent Resident(s) and Foreigner(s) with valid Work Pass, Student Pass, Dependant’s Pass or Long-Term Visit Pass.
3. This Campaign is only applicable for online application of participating products via https://tiq.com.sg during the Campaign period.
4. Campaign Details
   Grocery Voucher
   • i. To be eligible for the FairPrice e-voucher (“Gift”), customers have to meet the following minimum net total premium criteria or minimum plan coverage criteria (for each respective product) during the Campaign Period:
     Minimum Net Premium Paid

     Participating Products	Minimum Net Premium Paid (Inclusive of GST) (S$)	Voucher Value (S$)
     Tiq 3-Year Endowment Plan	$50,000 – $95,000	$50
     	$100,000 – $200,000	$100
     	$205,000 – $300,000	$200
     	$305,000 – $500,000	$300
     	Above $500,000	$400
     ELASTIQ	$10,000	$50
     eEASY save V	$30,000 (before discount)	$100
     eEASY savepro	$30,000 (before discount)	$100
     Cancer Insurance	$200-499	$50
     	$500 and above	$100
     Tiq Home Insurance	$250	$20
     	$550	$50
     	$750	$70
     ePROTECT term life	$150	$20
     ePROTECT safety	$50	$5

     Minimum Plan Coverage

     Participating Products	Minimum Plan Coverage	Voucher Value (S$)
     ePROTECT motorcycle	Third party, Third party Fire Theft	$20
     	Comprehensive plan only	$50
     ePROTECT maid	14 months coverage	$10
     	26 months coverage	$20
     Private Car Insurance	Comprehensive plan only	$50
     ePROTECT personal mobility	With purchase of a policy	$10
     Personal Cyber Insurance		$10

   • ii. Existing Terms and Conditions for each product apply.
   • iii. This campaign is also applicable for customers who are qualified for Early Savers Promotion for eEASY save V and eEasy savepro at https://tiq.com.sg/promotion/early-savers-promotion, during the Campaign Period.
   • iv. This campaign is only applicable for Cancer Insurance’s and ePROTECT term life’s customers who made payment through the annual premium payment mode.
   • v. The minimum net premium paid for Cancer Insurance and ePROTECT term life are based on the policy’s first-year premium.
   • vi. Customer who are eligible for the Gift will be contacted via email within 1 week after the free-look period of 14 days on the Gift redemption.
   • vii. The Gift is in the form of an e-voucher and can be redeemed on NTUC FairPrice’s website at https://www.fairprice.com.sg/.
   • viii. Gift redemption for each product is limited to a one-time redemption per customer.
   • ix. Gifts are on a while stocks last basis.
   • x. Should the customer cancel their policy after redemption of the Gift, the Organizer is entitled to deduct an equivalent amount of the Gift’s value from the refund amount of the policy, subject to a minimum retention amount of the Gift value, provided no claims have been made under the policy.
5. This Campaign is not valid for customers who have cancelled or free-look existing policy/policies within 14 days of policy application.
6. This Campaign is not valid in conjunction with any on-going existing insurance promotions, coupons, staff discounts and privileges, unless otherwise stated.
7. The Gift is not transferable, exchangeable for cash or kind or extendable in validity.
8. The Organizer reserves the right to amend these terms and conditions at any time at our sole discretion, including changing the terms or terminating the Campaign at any point in time before the stated Campaign Period without prior notice, by posting such amendment(s) to https://tiq.com.sg.
9. These terms and conditions shall be governed by jurisdiction of the Singapore courts.
10. All information is correct as of 27 April 2020.
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Terms & Conditions:

1. This upfront discount promotion is open to all Singapore citizen(s), Singapore Permanent Resident(s) and Foreigner(s) with valid Work Pass, Student Pass, Dependant’s Pass or Long-Term Visit Pass.
2. This promotion is only applicable for online application of Tiq Home Insurance via www.tiq.com.sg .
3. The promotion is not transferable, exchangeable for cash or kind or extendable in validity.
4. Etiqa reserves the right to amend these terms and conditions at any time at our sole discretion, including changing the terms or terminating the promotion at any point in time without prior notice, by posting such amendment(s) to www.tiq.com.sg.

This benefit reimburses you the agency fee of hiring a replacement maid during the period of your maid’s hospitalisation due to death or permanent disablement. The replacement is to be employed within thirty (30) days of your maid’s death or repatriation.

The maid insurance cover ceases from the time she leaves Singapore and resumes upon her return provided her work permit is not cancelled.

This is a Ministry of Manpower (MOM) requirement. The Ministry of Manpower (MOM) requires all maid insurance and bond to have an additional 2 months of cover so that in any event or reason the maid overstays in Singapore after her work permit has expired, she is still covered under the maid insurance in Singapore.

The commencement date will be a minimum of 5 working days from the application date, but not more than 182 days. Please also note this process needs to be done before the arrival of your maid in Singapore, otherwise the Immigration and Checkpoints Authority may deny your maid’s entry and she will be sent back to her home country.

The applicant must be at least 21 years of age, and the maid must be at least 23 years of age on the start date of the policy.

If you cancel the maid insurance policy, you will receive a refund of premium based on the unexpired period of insurance. There will be no refund if the maid insurance policy is cancelled after 180 days from the commencement date of the maid insurance or if a claim has been lodged under the maid insurance policy. For more information, please see our Policy Wording, General Conditions, No. 5 on page 11.

This benefit relieves an employer by reimbursing a fixed daily sum of up to 30 days for the cost of hiring alternative domestic help during the period of your maid’s hospitalisation due to a covered injury or illness.

Our Singapore’s maid insurance scheme pays a fixed sum per day up to 30 days if your maid is hospitalised as a result of an injury or illness so long as Hospital and Surgical Expenses benefit is payable.

Medical Expenses under the Personal Accident section of our Singapore’s maid insurance scheme cover the cost of treatment (including out-patient treatment) due to accidents only. The cover under Hospital and Surgical Expenses is wider as it extends to medical expenses incurred as an in-patient of a Hospital as a result of illnesses or accident. Medical expenses incurred up to 90 days pre- and post- hospitalisation and day surgery are also covered under Hospital and Surgical Expenses.

Starting from 1 Feb 2018 as required by the Embassy of the Republic of Indonesia in Singapore, employers of Indonesian maids are required to purchase a Security Bond of $6,000. This is applicable when hiring a new helper or renewing a contract.

The bond is also independent of and does not affect MOM’s requirement for all maid employers to purchase the relevant insurance and put up a $5,000 security bond.

Currently, Etiqa Insurance is working to become an accredited Security Bond provider for Indonesian maids. We will update when this service will be available. In the meantime, please click here to purchase the Security Bond.

No. There is no free-look period for our Singapore’s maid insurance policy.

You can take up our Reimbursement of indemnity paid to insurer option. It will limit your liability on the $5,000 Security Bond to $250 instead. This is provided that the breach of the $5,000 Security Bond is not due to your negligence or fault. This is an optional feature in our Singapore’s maid insurance scheme and you will need to pay an additional premium for.

We will issue a Letter of Guarantee for the sum of $5,000 as a security bond on your behalf to the Ministry of Manpower (MOM). If you require, we can also issue a Letter of Guarantee to the Philippine Overseas Labour Office in Singapore (POLO) on your behalf. If a demand is made by the Ministry of Manpower (MOM) and/or the Philippine Overseas Labour Office in Singapore (POLO) as the case may be, we will first meet the payment and recover it from you under the Counter Indemnity of the insurance. You can purchase the optional cover for a waiver of the Counter Indemnity in respect of the Letter of Guarantee to the Ministry of Manpower (MOM), paying only $250 for the Excess for your account. This frees you from the need to pay $5,000 cash up front to the Ministry of Manpower (MOM) when you are applying for a maid in Singapore.

The current promo we are having is 30% off all its plans. To purchase, click here.

FDW employers are required to buy Maid Insurance for their FDWs. It is part of MOM requirement.

The easiest way to get a quote or buy ePROTECT maid insurance from us is online.

You could also walk-into our Customer Care office at 16 Raffles Quay, Hong Leong Building, #01-04A, Singapore 048581 where our friendly customer care personnel will assists you or call Customer Care at +65 6887 8777.

As we would need to process and furnish your maid’s insurance details to the Ministry of Manpower (MOM), the earliest policy start date for our maid insurance is 5 days from the date of purchase and no more than 14 days from application date.

For new maids, the policy start date should be the date when your maid is coming into Singapore or earlier.

For renewal maids, the policy start date should be 1 day after your maid’s current work permit expires.

For transferred maids, the policy start date should be on or before the date you apply for a transfer with MOM.

ePROTECT maid insurance is a comprehensive package of benefits that includes Accidental Death or Permanent Disablement, Hospital & Surgical Expenses, Replacement Maid Expenses, Wages & Levy Reimbursement, Repatriation Expenses, Insurance Guarantee Bond and other benefits.

Yes, our maid insurance includes covers required by MOM and much more at affordable prices. For more details about our maid insurance, please click here.

The MOM’s requirements

• Personal Accident cover of S$60,000 per year,
• Hospital & Surgical Expenses of at least S$15,000 per year and
• Insurance Guarantee Bond of S$5,000 for your foreign domestic helper are included in the Maid Insurance.

For more information, please click here to refer to MOM’s “Work Permit for Foreign Domestic Workers”.

If you have a TiqConnect account with Etiqa, please log onto TiqConnect to submit your claims online. Otherwise, you may register for an account on our corporate website. Access can be created immediately. You may also contact our Customer Care hotline at +65 6887 8777 or email them at customer.service@etiqa.com.sg for further assistance.