|Summary of Product|
Pre-existing Medical Conditions Cover
Etiqa offers travel insurance for travellers with pre-existing medical conditions under Pre-Ex Plans (Pre-Ex Entry, Pre-Ex Savvy, Pre-Ex Luxury).
Emergency Medical Evacuation/ Repatriation
Combined benefit limit of up to $1,800,000 (for both Non Pre-Ex and Pre-Ex Luxury Plan).
24-hour Worldwide Emergency Travel Support
This support is provided by Allianz Global Assistance at (+65) 6327 2215.
Hassle-free and immediate travel claims encashment via PayNow.
Flight Delay Benefits
Automated flight delay benefit claims and instant payout (with just 3 hours of consecutive delay).
Leisure Activities Cover
This includes hot air balloon ride, parachuting, sky-diving, bungee jumping, hanggliding, paragliding, and non-competitive winter sports. However, do note that there is no cover for Extreme Sports.
Table of Content
|Any pre-existing conditions (unless You are insured under a Pre-Ex Plan)||No compensation for any air miles, holiday points, membership or credit card redemption the Insured Person(s) use to pay for all or part of the trip.|
|Travelling when medically unfit/ Travelling against Medical Practitioner’s advice/ Travelling for purpose of seeking medical advice||Travelling against advice of regulatory authorities/ Travelling to a country at war|
|Childbirth/pregnancy-related complications||Loss/ damages covered by other insurance|
|Dental treatment claims not classified as Medically Necessary||Participation in sports activities as a professional or for financial reward|
|Intoxication by alcohol/ nonprescribed drugs or medications||War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power|
Types of Plan
Etiqa TIQ Entry PlanEtiqa TIQ EntryPlan, with its near unbeatable low pricing (especially during discounts/ flash sales), is good for bargain hunters. In terms of travel inconveniences, Entry Plan offers a benefit limit of $200 for baggage delay (at $100 for every six hours of baggage delay overseas). Personal accident coverage is at $150,000.
Etiqa TIQ Savvy PlanSavvy Plan is a good buy for travellers who are looking for affordable pricing with decent coverage. In terms of baggage delay, the benefit limit is still capped at $200 (at $100 for every six hours of baggage delay). Personal accident coverage is at $300,000.
Etiqa TIQ Luxury PlanLuxury Plan is the one with the highest limit out of the three types of plan, medical coverage at $1,000,000. Baggage delay benefit limit is still capped at $200 (at $100 for every six hours of baggage delay) and personal accident coverage is at $500,000. Etiqa Luxury Plan is good for travellers who want a cheap price with a relatively decent amount of coverage.
Pre-Ex Benefits (Under Pre-Ex Plans)You can also choose to cover for pre-existing conditions (at extra premium) - Extension for pre-existing medical expenses incurred overseas of up to $150,000, overseas hospital income up to $20,000 ($200 per 24hrs) and also up to $250,000 for emergency medical evacuation and repatriation of mortal remains to Singapore. With TIQ, you can purchase a Pre-Ex plan together with a non Pre-Ex plan (mix and match the plans under Single Trip Married Couple/ Group Plans), which makes the application super convenient (most Pre-Ex plans has to be purchased as an individual plan on the market).
|TIQ Entry Plan||Industry Basic Plan Averages|
|1 week ASEAN||$21.45||$26.32|
|1 week Asia||$23.65||$32.91|
|1 week Worldwide||$35.75||$46.32|
|TIQ Savvy Plan||Industry Mid-tier Plan Averages|
|1 week ASEAN||$29.70||$33.29|
|1 week Asia||$36.85||41.43|
|1 week Worldwide||$46.75||$58.83|
Top Shelf Plan
|TIQ Luxury Plan||Industry Top Shelf Plan Averages|
|1 week ASEAN||$39.60||$46.69|
|1 week Asia||$46.75||$59.56|
|1 week Worldwide||$58.30||$80.30|