Unbelievably Affordable
Critical Illness Insurance

Covers the 3 most claimed conditions – heart attack, stroke, and all stages of cancer, for a fraction of the cost.

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Budget-Friendly. Great Coverage.
Tiq 3 Plus Critical Illness.

Easy on your pocket. 100% lump sum payout for heart attack, stroke, and all stages of cancer, which make up 190% of critical illness claims. Plus, added benefits. So unbelievably affordable, you’ll be surprised with your quote.

Superb Flexibility

Choice of coverage from $30,000 to $300,000. Want a coverage of $88,000? You sure can.

The Price is Right

We keep prices affordable while covering the most common conditions – heart attack, stroke, and all stages of cancer.

Extra Benefits

Additional coverage2 for Diabetic Complications and Severe Rheumatoid Arthritis (SRA).

Easy Policy Sharing

Keep your loved ones informed about your existing coverage through our Tiq by Etiqa app.

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Have you smoked for the last 12 months?

Date of Birth
Select your coverage

Select any amount from S$30,000 to S$300,000

The Basic Financial Planning guide recommends Critical Illness protection equivalent to 4x your annual income. Learn more
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Compare Critical Illness Insurance

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 www.comparefirst.sg.

“Best Critical Illness Insurance” Does It Exist?

Maybe, maybe not. But there are the right plans that work in your personal critical illness strategy. Here are some ways Tiq 3 Plus Critical Illness supports different critical illness needs.

Isabel Neo

Fresh Graduate

Rachel Tan

Planning To Settle Down

Kelvin Lim

Married With Two Kids

Sebastian Chan

Partially Retired

We Give You More

With our complimentary benefits and optional add-ons, you can enjoy superb value and bridge your critical illness protection gap with ease and confidence.

Guaranteed Yearly

You can renew your Tiq 3 Plus Critical Illness plan every year up to age 85, no medical check required! If you’re 70 and in the pink of health, you’re welcome to apply!

Heart & Neurological Disorder Rider

Totally optional, but available if you need further protection. It provides a one-time payout upon diagnosis of any of the 24 covered conditions that may affect your heart or brain.

Death Benefit for You and Your Kids

$20,000 death benefit for you and up to 4 of your children.

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.

To file for a claim, written notice must be given to us within 3 months of the occurrence of the claim event. The claimant must supply at his/her own expense, all certificates, information and evidence required by us for assessment of the claim. We reserve the rights to conduct a post-mortem and we will bear the expenses.

Useful Information

Product Summary: 3 Plus Critical Illness
Policy Contract: 3 Plus Critical Illness
Promotion Terms & Conditions: Protection April 2024
Promotion Terms & Conditions: Heart & Neuro Rider S$50 eCapitaVoucher
Promotion Terms & Conditions: Up to 50% off
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Important notes:

1Source:  Gen Re’s “Dread Disease Survey (2015 – 2019)”, published in 2022

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 off 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 (www.lia.org.sg or www.sdic.org.sg). This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as of 29 March 2024



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Isabel Neo

Female, 25, Non-smoker, single

Group 1051
Monthly income


Group 1052
Goals & needs

  • Get married and have a BTO flat in 2 years
  • Wants to prevent loss of income in case of heart attack, stroke, or cancer (any stage)
  • Needs at least $270,000 worth of coverage (based on LIA’s Protection Gap Study 2017, coverage of 5X annual salary is recommended)


How Tiq 3 Plus Critical Illness helps

  • Allows Isabel hassle-free Critical Illness coverage at an affordable amount so she can save up better for her wedding and flat
  • Isabel can also cover for more than her recommended amount, up to $300,000 if she wants

Rachel Tan

Female, 35, Non-smoker, Health-conscious

Monthly income


Goals & needs

  • Bought a Critical Illness insurance plan with early Critical Illness rider of $200,000 previously
  • She did not get a multi-pay rider back then due to cost
  • Now her monthly income has increased, she wants to top up $50,000 to cover heart attack, stroke, and cancer (all stages) to increase total coverage to $250,000

How Tiq 3 Plus Critical Illness helps

  • Allows Rachel an affordable option for peace of mind
  • Rachel can choose to activate different policies at different times

Kelvin Lim

Male, 38, Non-smoker, Married with kids

Monthly income


Goals & needs

  • Already has $100,000 worth of traditional Critical Illness coverage
  • Existing plan does not cover all stages of cancer
  • Wants to add $200,000 coverage in event of heart attack, stroke, or cancer (any stage)

How Tiq 3 Plus Critical Illness helps

  • Allows Kelvin a very affordable top-up option to cover all stages of cancer, heart attack, and stroke, which make up 90% of all critical illness claims.

Sebastian Chan

Male, 50, Non-smoker, Partially retired

Monthly income


Goals & needs

  • His kids have moved out, he doesn’t have many liabilities, expenditure has reduced
  • He doesn’t want to burden his kids in the case of critical illness
  • Just wants to buy $100,000 worth of coverage for peace of mind

How Tiq 3 Plus Critical Illness helps

  • Allows Sebastian an affordable option to cover himself in the case of heart attack, stroke, or cancer (all stages)