Cancer, heart attack or stroke?
There’s a plan for that.

3 Plus Critical Illness

Affordable protection to combat the top 3 critical illness with added benefits.

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Reliable protection against
the top 3 chronic diseases and more

Tiq’s 3 Plus Critical Illness provides 100% payout upon diagnosis of the top 3 critical illnesses in Singapore, namely Cancer, Heart Attack and Stroke.

From just S$0.24/day* – about 33% of the price of a regular critical illness plan^, – we focuses on protecting what’s important for you and your family while keeping it low cost.

Knowing how important your children are to you, 3 Plus Critical Illness also offers a complimentary cover for up to 4 of your youngest children. On top of that, the plan provides additional 20% of sum insured against two Special Conditions. The claim against these conditions will not affect the amount payable under the critical illness benefit.

^This comparison does not include information on all similar products. Etiqa Insurance Pte. Ltd. does not guarantee that all aspects of the products have been illustrated. You may wish to conduct your own comparison for products that are listed in Information is accurate as of 25 June 2020.

Why Cancer, Heart Attack and Stroke insurance?

• Cancer, heart attack and stroke make up 90% of all critical illness claims.
Source: Gen Re’s “2012 Dread Disease Survey”.
• An average working adult has a critical illness cover of only S$60,000, compared to the LIA recommended sum of ~S$316,000. Source: LIA’s Protection Gap Study 2017.
• High treatment costs, lengthy recovery and other expenses such as medical plan deductibles can take a toll on you and your family.
• Living expenses and regular bills will accumulate when you’re not working.

Tiq’s 3 Plus Critical Illness ensures you and your family are well-protected against financial worries during your recovery period, so you can get life back on track.

What 3 Plus Critical Illness covers

Coverage for Cancer, Stroke or Heart Attack

Unlike some plans, this plan offers 100% of sum insured cash payout upon diagnosis of Cancer (all stages), Stroke with Permanent Neurological Deficit, or Heart Attack of Specified Severity.

Death Benefit

In the event of death, a death benefit of S$20,000 for Life Insured.

Special Conditions Coverage

Additional 20% sum insured payout against Diabetic Complications or Severe Rheumatoid Arthritis (SRA).

Cover for Children

Death benefit of S$20,000 each for up to 4 children of the Life Insured.

Great protection looks like this

High coverage with affordable premiums

Get coverage of S$30,000 up to S$300,000, with premium from S$0.24/day*.
*Based on sum insured of $30,000 for 17-year old non-smoking male.

Easy to apply, instant approval

Simply answer one health declaration.

Guaranteed yearly renewable,
no medical checks required

This plan is yearly renewable up to age 85 and available to apply up to age 70.

Enhance your 3 Plus Critical Illness plan

Tiq’s optional Heart and Neurological Disorder coverage offers further protection with 1-time payout upon diagnosis for any of the 24 covered conditions that may affect your heart or brain.

Don’t be shy, we’re here to help

Have an enquiry, not sure what’s best for your needs? Speak with us.

Frequently Asked Questions

3 Plus Critical Illness is a non-participating and yearly renewable term policy that provides coverage against Cancer (all stages), Stroke with Permanent Neurological Deficit or Heart Attack of Specified Severity while the policy is in force.

Other benefits of 3 Plus Critical Illness while the policy is inforce includes:

  1. Death benefit of S$20,000
  2. Special conditions benefit for Diabetic Complications and Severe Rheumatoid Arthritis (SRA)
  3. Complimentary cover for child

Upon the policy Expiry date, if We have not paid out any claims, this policy will end and no Benefits will be payable.

Special conditions benefit provides coverage on diabetic complications and severe rheumatoid arthritis. In the event of a claim under the special condition benefits, We will pay 20% of the sum insured capped at S$25,000 per special condition. The payout from the special conditions benefit will not reduce the sum insured of the policy. Each special condition can only be claimed once under this Benefit regardless of the number of times this policy is being renewed.

  1. The child must be between 14 days old to 16 age next birthday.
  2. The child must be biological child or legally adopted child of the Life insured.
  3. A maximum of 4 children will be covered under the policy and this shall include any child whose benefit subsequently ends due to exceeding the eligibility age.
  4. The child(ren) must be either Singaporean, Singapore permanent resident or foreigner who holds Foreign Identification Number (FIN) and is residing in Singapore.
  5. Your children will only be covered if You provide each of the child’s personal details, including proof of relation and We confirms receipt of the information provided.

Complimentary COVID-19 Coverage

More complimentary cover, less stress. With Financial Assistance Benefit for COVID-19 and side effects of the vaccine, we hope this gives you better peace of mind.

Useful Information

Product Summary: 3 Plus Critical Illness
General Provisions: 3 Plus Critical Illness

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Important notes:

Age means the age at next birthday. This policy is underwritten by Etiqa Insurance Pte. Ltd. This content is for the reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract. The information contained on this product advertisement is intended to be valid in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore. You should seek advice from a financial adviser before deciding to purchase the policy. If you choose not to seek advice, you should consider if the policy is suitable for you. As this product has no savings or investment feature, there is no cash value if the policy ends of if the policy is terminated prematurely. 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 us or visit us the Life Insurance Association (LIA) or SDIC web-sites ( or This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as of 2 Dec 2021.



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