Etiqa Essential critical secure Review

The complete Pros and Cons on Etiqa Essential critical secure

Etiqa Essential critical secure is a term critical illness insurance plan that provides coverage for a total of 104 critical illness (CI) conditions across early, intermediate and severe stages.

Etiqa Essential critical secure product details

  • Non-participating policy – Term policy
  • Flexible Coverage Terms
    • You can choose to be covered up to age 70, 75, 80, 85, 90, 95 and 100.
  • Double Critical Illness Coverage
    • First in the market to provide a monthly cash payout of up to 200% of the original sum insured upon a severe stage CI to provide you with continuous financial support.
  • Comprehensive CI coverage for multiple stages
    • Get protection against 104 medical conditions across early, intermediate and major stages.
  • Lump Sum Payout for all stages of CI
    • Early and Intermediate Stage CI Benefit
      • 50% of the sum insured will be accelerated and paid upon the diagnosis of a covered early or intermediate stage CI.
    • Severe Stage CI Benefit
      • Receive 100% of the sum insured upon the diagnosis of a covered severe stage CI.
  • Premium Waiver Coverage
    • Secure peace of mind with premium waiver benefit upon an early or intermediate stage CI claim.
  • Death Benefit
    • A lump sum of S$5,000 will be paid to your loved ones should the unforeseen happen.
  • Financial support for mental health
    • Mild Mental Health Benefit
      • Payout of S$180 for each psychiatrist consultation (up to 8 claims) upon the diagnosis of Mild Depression or Generalized Anxiety Disorder after the first policy year.
    • Severe Mental Health Benefit
      • If the life insured is diagnosed with 1 of the 5 covered severe mental health conditions, 20% of the sum insured will be accelerated6 and paid in one lump sum.

Read AboutTerm Policy: How does it work?

For further information and details, refer to Etiqa website. Alternatively, fill up the form below and let us advise accordingly.

Etiqa Essential critical secure may be suitable if you are looking for

Etiqa Essential critical secure may potentially be a good fit if the following matters to you:

  • High insurance coverage for Early Critical Illness and Critical Illness
  • Lower initial premium compared to other types of insurance policies
  • Looking to boost insurance coverage or fill shortfalls in an insurance portfolio

Etiqa Essential critical secure may not be suitable if you are looking for

Etiqa Essential critical secure may potentially be a bad fit if the following matters to you:

  • Long-term cash accumulation
  • Regular cash payout
  • A one-time premium commitment with no further cash commitment
  • Insurance policy with a surrender value.

Further considerations on Etiqa Essential critical secure

  • How is Etiqa or Etiqa Essential critical secure payout and claims based on past track record?
  • How does Etiqa Essential critical secure compare with Term policies from other insurance companies?
  • Can Etiqa Essential critical secure fulfill my financial, insurance, health, and protection needs?

The above information may not fully highlight all the product details and features of Etiqa Essential critical secure. Talk to us or seek advice from a financial adviser before making any decision about Etiqa Essential critical secure.

Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering taking up.

Read About3 things to consider before taking up a new financial product

Is Etiqa Essential critical secure suitable for me?

Contact InterestGuru using the form below. Our panel of licensed financial advisers will advise accordingly, based on your financial profile and protection needs.

All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.

We compare quotations head to head on all leading insurers in Singapore

Personalised term insurance plans

Get the maximum value out of your term life plan!

3 easy steps for your customised insurance plan

Step 1: Getting to know you…

Let's start with a introduction of your personal profile. Please note that your current age and gender affects the insurance premium you have to pay for your term life plan.





Step 2: Understanding your coverage needs…

Please select the amount and period of coverage that is needed for this term life plan.

How much life coverage (sum assured) do you need:

This insurance coverage is needed to the age (policy term) of:


Step 3: Finding the best term life plans for you! team of financial planners will compare and provide you with the best term life insurance plans based on your inputs.



Please check your inbox for an e-mail of your savings needs and we will be in contact with you within 24 hours.

Personalised term insurance plans


Before you go...
Etiqa Essential critical secure may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.
Drop us a message and find out about customised options across multiple insurance companies. You deserve to get the best out of your hard-earned savings!
Need help?
close slider

Need help?