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The Ministry of Foreign Affairs has put up a travel advisory against non-essential travel to Israel and Palestinian Territories in view of the ongoing conflict. If you have purchased a Tiq Travel policy... Before 07 October for travel to Israel and Palestinian Territories and do not wish to travel at this point in time • You may cancel the trip and file for trip cancellation / trip postponement Before 07 October for travel to Israel and Palestinian Territories and are already in Israel and Palestinian Territories at this point in time • You will still be covered for benefits like Travel Delay, Baggage Delay, Flight Diversion, Trip Curtailment After 07 October for travel to Israel and Palestinian Territories • There will be no coverage as the ongoing conflict is a known event

Travel Advisory

The Ministry of Foreign Affairs has put up a travel advisory against non-essential travel to  Israel  and  Palestinian Territories  in view of the ongoing conflict. If you have purchased a Travel Infinite policy…

Before 07 October 2023 for travel to Israel and Palestinian Territories and do not wish to travel at this point in time • You may cancel the trip and file for trip cancellation / trip postponement

Before 07 October 2023 for travel to Israel and Palestinian Territories and are already in Israel and Palestinian Territories at this point in time • You will still be covered for benefits like Travel Delay, Baggage Delay, Flight Diversion, Trip Curtailment

After 07 October 2023 for travel to Israel and Palestinian Territories • There will be no coverage as the ongoing conflict is a known event

Please note that all claims are subject to Policy terms and conditions.

Before 03 April 2024 for travel to Taiwan and do not wish to travel at this point in time • You may file claim for trip cancellation / trip postponement.

Before 03 April 2024 for travel to Taiwan and are already in Taiwan at this point in time • You may file claim for benefits like Travel Delay, Baggage Delay, Flight Diversion, Trip Curtailment.

On or After 03 April 2024 for travel to Taiwan • There will be no coverage as the ongoing conflict is a known event.

Please note that all claims are subject to Policy terms and conditions.

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Why Tiq Travel Insurance?

More value-added services specially for you, what are the covid-19 add-on coverages new.

We know that you are eager to travel, and we want to ensure that you are well covered against COVID-19.

With our COVID-19 add-on, power up your travel insurance coverage as we cover you comprehensively before you start your overseas trip, during and after you come back to Singapore.

Before your trip

During your trip

After your trip

Benefits are provided in the event if you are diagnosed with COVID-19

Travel delay? No sweat with automated flight delay benefit!

Input your flight details when purchasing

Get paid upon a 3-hour flight delay, even without a submitting claim

Receive payout in your eWallet and encash via PayNow

Watch this video to learn more!

What are Pre-Existing Medical Conditions?

If you have a medical illness or injury before your trip, it may be considered as a pre-existing medical condition. Please note that most travel insurers do not cover claims resulting from pre-existing medical conditions while you're overseas. Thankfully, we do.

Example of pre-existing medical conditions

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Insured but still looking?

Let us know when your policy ends and we’ll send you a reminder to switch to Tiq by Etiqa Insurance. Set. Relax. No Regrets!

Frequently Asked Questions

No, your period of insurance must include your entire trip from the date of departure from Singapore to the date of arrival in Singapore.

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This policy is underwritten by Etiqa Insurance Pte. Ltd . This content is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract. 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 the GIA/LIA or SDIC web-sites ( www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg ). Information is accurate as at 2 September 2024.

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Etiqa Travel Insurance: 5 Reasons Why It’s Worth Considering

There is no doubt about the need to sign up for a travel insurance policy when planning a vacation. Though flight trips can be enjoyable, mishaps are always possible. So, it’s best to have coverage to protect you against financial losses.

But more than a dozen brands offer travel policies with different coverage options that can make travellers’ lives difficult. In this article, we will explore Etiqa travel insurance by Maybank and why its worth considering among the many brands.

Etiqa TripCare 360 key selling points

For the uninitiated, Etiqa’s travel plan is called TripCare 360. It provides complete coverage like many brands, so you can travel anywhere with peace of mind. The following five reasons are its key selling points and why it’s one of the most sought-after plans by local travellers.

Cashless medical care 

Etiqa TripCare 360 policyholders benefit from cashless medical care for accidents and illnesses during overseas trips. With just one phone call to Etiqa’s 24/7 hotline, you can be admitted to the nearest hospital without payment.

Etiqa will also provide a Letter of Guarantee to eligible policyholders to assist the process. Under TripCare 360, you can receive up to RM500,000 (maximum of RM1.5 million per family) for medical-related expenses if you’re a Platinum customer.

Protection for loss of valuables 

You are also protected against a range of losses of valuables. This includes loss or damage to your baggage, money, travel documents, personal belongings and home care.

Individual compensation ranges from RM500 to RM5,000. Loss or damage to valuables resulting from theft, mishandling of your property, and more are covered. So, it certainly makes the claims process easier.

Compensation without claims submission

Most policies require that you submit a claim to receive compensation for travel inconvenience. But with Etiqa’s TripCare 360, you will be compensated for flight delays even without submitting a claim.

Policyholders can get RM100 when their flight is delayed for 2 hours without submitting any claim. Every 6 hours after that, an additional RM250 will be given. Platinum customers are entitled to a maximum reparation of RM5,000 per individual and RM12,500 per family.

Additional coverage for amateur sports

If you love adventurous activities but are worried about accidents, you can rest assured, as Etiqa’s TripCare360 covers that too. This travel insurance policy is an all-rounder. It offers coverage for death, permanent disability, and medical treatment for various amateur sports, including but not limited to bungee jumping, sky diving, water sports and rock climbing.

As these activities don’t always end well, protection is key to making up for any possible loss. However, the coverage is only available if you pay an additional premium to your existing policy.

Fast and easy claims

Making claims under Etiqa travel insurance is seemingly easier compared to other policies. You can make quick claims via WhatsApp at +603-27804677 or www.eti.qa/whatsapp. Etiqa’s claims careline and emergency travel helpline operates 24 hours a day, seven days a week, and 365 days a year.

As a renowned insurance provider in the country, it has over 400,000 service providers worldwide and supports 40 languages. You’re never alone when travelling with Etiqa’s TripCare 360. The policy is one of the best and is certainly worth choosing. Visit Bjak now to compare Malaysia’s best travel insurance policies, including Etiqa.

Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!

• What Is Travel Inconvenience Coverage?
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Travel Insurance Plan

Designed to protect you against unforeseen events while travelling., at a glance.

Travel Assistance Plan is designed to protect you against unforeseen events while travelling. It protects you against flight cancellation, medical emergency, emergency accommodations or vehicle accidents.

Eligibility and Coverage

●   Individuals and families from 0 to 80 years old may avail.

● Additional Covid Coverage for individuals and families ages 0-65 years old available for International Travel only.

● Coverage will start 24 hours before the date of departure and 24 hours after arrival date.

Calculate Your Premium

Total Premium:

Flight Assistance Benefit

Flight Delay

covers the expenses for meals, tours and accommodation in the event the trip is delayed at least six(6) hours.

Trip Cancellation

covers to pay the unused and non-refundable portion of travel, accommodation expenses and tours in case that the insured can no longer proceed with the trip due to unforeseen events indicated in the policy.

Missed Connecting Flight

covers the reimbursement of the expenses incurred due to acts of nature or intervention by the Authorities up to the limit indicated in the policy during the trip.

Baggage Delay

covers the expenses for the purchases of the basic clothing and toiletries in case of the delay of the luggage during the trip minimum of six(6) hours.

Baggage Loss / Damage Airline and other items in safekeeping of a common carrier

covers for loss, stolen or damaged baggage of the insured incurred during the trip indicated in the plan.

Loss of Travel Documents

covers the cost to replace the new Passport or documents as well as the accommodation expenses indicated in the policy.

Trip Curtailment

covers the expenses of the unused portion of the tour or accommodation if the trip needs to be terminated due to the unavoidable events indicated in the policy.

Aircraft Hijack

covers to pay the insured to the delay or interruption (minimum of 12 hours waiting period maximum 10 days as a result of aircraft hijacking.

Medical Assistance Benefit

Hospital Income

covers to pay the assured of a fixed amount indicated in the plan for each day of confinement minimum of 18 hours.

Medical and Hospitalization Expenses

including follow-up treatment covers the payment of hospital expenses in case of medical emergencies during the trip up to the limit indicated in the policy.

Delivery of Medicines

covers the delivery of the medicines prescribed urgently by a doctor to the insured during the trip.

Emergency and Accidental Dental Expenses

covers the necessary emergency dental treatment of the insured during the trip.

Repatriation of Mortal Remains

covers the necessary arrangements for the insured's transport or repatriation of mortal remains to the usual country of residence during the trip in case of death.

Arrangement for Funeral Assistance

provides financial assistance for funeral expenses of the insured's family due to insured's death caused by accident up to the limit indicated in the policy.

Medical Evacuation or Repatriation

covers to pay the transfer or repatriation of the insured to a properly equipped health center or to his/her usual place of residence.

Compassionate Visit

covers the expenses for the transfer of a person chosen by the insured from the usual country of residence in the event that the insured is hospitalized as an in-patient for more than five(5) consecutive days as a result of injury or sickness during the period of the trip.

Other Benefits

Assistance of bail bond payment.

It covers to advance funds on behalf of the insured up to the policy limit.

Personal Liability

It covers the damages and expenses incurred by the insured for bodily injury and property to third parties.

Personal Accident and Disablement

It covers any accidental injuries or death suffered by the insured during the travel.

Child Guard

It covers the expenses for the economy round trip transfer of one immediate family member, having the same country of residence as the insured, to look after the minor during the trip should the insured be hospitalized for more than five (5) consecutive days or is deceased, and accompanied by a minor during the event and if no adult accompanies said minor.

Advance of Money

It covers the assistance to arrange to forward cash up to the limit indicated in the plan in the event of the robbery, loss or stolen of cash or credit cards and accidents.

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In view of the ongoing large-scale demonstrations in Hong Kong , please be advised that wars, with or without prior declaration, and any conflicts or international interventions using force or duress, events arising from terrorism, mutiny or crowd disturbances as well as damage caused during the course of strikes are not covered under our Travel Assistance Plan ( Asia and Worldwide ).

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Common Travel Problems and How to Overcome Them

Travelling is almost always fun and exciting. But let’s be real – it doesn’t always go as planned. Flights get delayed, luggage gets lost, and sometimes, you just get sick. These are just some of the many travel problems that can spoil your vacation, and hurt your wallet. 

But as with most things in life, with a little bit of planning and preparation, you can ensure ease in handling most travel problems without breaking the bank.

What Are Some Common Travel Problems?

Here are some common travel problems to be aware of and how to overcome them.

Flight Delays and Cancellations

Imagine you’re finally on your way to your dream vacation that you’ve been planning for months. You’re pumped, until you hear the dreaded news: your flight has been delayed for several hours or even cancelled altogether. It’s every traveller’s nightmare, especially when you have activities and accommodation all booked.

If flight delays or cancellations happen to you, there are a few things you should do: 

• Meals, phone calls, and internet usage
• Hotel accommodation and transportation
• A full refund or alternative flight (in case of flight cancellation) 

Note that the airline will not compensate you for delays or cancellations due to reasons beyond its control, such as security risks and extreme weather.

• Contact your travel takaful operator. If you have travel takaful (or travel insurance ), it may compensate you for your flight delay or cancellation. Contact your takaful operator as soon as possible with documentation supporting your claim, such as your boarding pass or confirmation email from your airline. 

Etiqa TripCare 360 Takaful automatically compensates you for flight delays of 2 hours or more. You’ll receive RM100 for the first 2 hours of delay, regardless of the plan you choose. If you sign up for the Platinum family plan, you can receive up to a total of RM12,500.

You would also be eligible for compensation if your international flight gets cancelled. With the Platinum family plan, you’ll receive up to RM125,000, which could cover the entire cost of your family trip. 

Pro-tip : Download your airline’s app to check your flight status in real time. This can help you make informed decisions if your flight is delayed or cancelled. 

Delayed, Damaged, or Lost Luggage

Delayed, damaged, or lost luggage can be another major travel problem. If your luggage is lost, there’s a slight chance you may never see it again. This means you’ll need to fork out money for new clothes and other essentials, on top of a new luggage. 

If your luggage doesn’t arrive on the same flight as you, or if it gets lost or damaged during the flight, here’s what you can do:

• Check with your airline’s luggage office . If your luggage is not on the designated pick-up carousel, approach the airline’s luggage office to check its status.
• If they find your luggage but it will take hours to arrive, fill out their delayed luggage form. 

What if your luggage is damaged or lost? Check your airline’s claims and compensation policy, and fill out their delayed or lost luggage form. Just note that you will not be compensated for normal wear and tear on your luggage, such as scratches and minor cuts.

• Submit a claim to your takaful operator. Do you know that your travel takaful can cover your damaged or lost luggage? With the Platinum TripCare 360 Takaful , you can claim up to RM1,000 for your luggage. But that’s not all! The plan also covers a range of other belongings that are lost, stolen, or damaged while you’re travelling. For instance, you can claim up to RM2,000 for a stolen laptop, tablet, or smartphone.

Pro-tip: Take pictures of your luggage and its contents. If your luggage is lost, your airline will ask you a few questions, including the brand, colour, size, and contents of your luggage. Having pictures will make it easier for you to make your claim. 

Lost Passports or Visas

Have you ever checked your passport multiple times in a single hour, only to check it again in the next? Generally, you do your best to take every possible measure to protect your travel documents , especially your passport and visa when travelling abroad. 

Losing them is a major travel problem as you may be denied entry into the country you’re visiting, and you may not be able to fly home either. 

If you find yourself in this situation, what can you do about it?

• Report the loss to the local police. Head to the nearest local police station as soon as possible and file a report about your lost passport or visa. You’ll need to get a police report in order to replace the lost document. 
• Contact your embassy or consulate. Your embassy or consulate can assist you in getting a new passport, visa, or emergency travel document.
• Contact your travel takaful operator. If you have travel takaful, reach out to your takaful operator for assistance. If you get the Platinum TripCare 360 Takaful , you’ll receive up to RM1,500 in reimbursements for lost or stolen travel documents. 

Pro-tip: Make a digital copy of your passport and visa, and password-protect them in a secure cloud storage service, like Dropbox or iCloud. This way, if you lose your original documents, you’ll still have a copy of them. 

Medical Emergencies

Medical emergencies can happen anywhere, at any time. Food poisoning, heatstroke, and a broken ankle are some examples of the many medical emergencies that can happen while travelling.

If you’re seriously ill or injured, immediately seek medical attention. As a tourist, hospital admissions can be costly but your health comes first. With TripCare 360 Takaful , you will not have to worry about paying upfront costs for your hospitalisation as it offers cashless hospital admission. You would be able to focus on treatments and recovery while Etiqa takes care of the bills. 

In case of an unfortunate event, call the 24/7 hotline at +603-2785-6565 to get your Guarantee Letter (GL) and get admitted to the hospital without payment. 

Other benefits that you may receive include daily hospital allowance, reimbursement for alternative treatments such as physiotherapy and chiropractic, and reimbursement for follow-up treatments when you return to Malaysia. If hospitalisation is not needed, you can still claim for your outpatient medical expenses of up to RM3,000 per accident. 

Pro-tip: Keep all of your medical records, such as doctor’s notes, prescriptions, and receipts. You’ll need to submit these documents to your travel takaful operator for reimbursement.

Travel problems are sometimes inevitable, but they don’t have to ruin your vacation. Etiqa TripCare 360 Takaful can help you enjoy your trip worry-free, with coverage for a wide range of unexpected events. 

Ready to have a fun vacation? Take TripCare 360 Takaful with you and set off on a great trip! 

The information contained in this blog is provided for informational purposes only. It should not be construed as advice on any matter. Etiqa accepts no responsibility for loss which may arise from reliance on information contained in the article. This information is correct as of 12th September 2023.

CNN Travel | Malaysian Aviation Commission (MAVCOM) ( 1 , 2 )

Etiqa Travel Insurance

Etiqa travel insurance covers you and your family on the occurrence of specific events that may arise during domestic or international travel, for business or leisure. Etiqa also offers a variety of travel insurance plans such as TripCare 360 Insurance & Takaful, SingBorder Travel Insurance & Takaful, Travel Ezy Insurance & Takaful to meet your specific requirements and budget.

What is travel insurance?

Travel insurance is a type of coverage that protects you and your family from various risks while traveling in Malaysia or overseas. It usually covers medical expenses, lost luggage, flight cancellations, and other losses that a traveler may incur while on the road. Travel insurance will be available for one-way, round-trip, and annual trips, both domestic and overseas.

About Etiqa

Etiqa was founded two years after the merger, in 2007, when Maybank Ageas, the bank’s insurance and takaful arm, merged with Malaysia National Insurance Berhad, the country’s largest national insurer, and its subsidiary, Takaful Nasional Sdn Bhd, Malaysia’s leading Takaful provider.

Why should I choose Etiqa travel insurance

With Etiqa travel insurance, there are numerous benefits and coverage options available for each plan, and one of the best add-ons is the Additional Covid-19 Coverage, which is available for both TripCare 360 Insurance and Takaful and SingBorder Travel Insurance and Takaful for Singapore travelers.

How do I contact Etiqa for further information?

If you have any questions about Etiqa travel insurance, please contact Etiqa by phone at 1300 13 8888 / +603 2297 3888 or e-mail at [email protected]

I am not a Malaysian. Is it possible for me to purchase the plan?

Yes. You may purchase this plan with the condition that all departures are from Malaysia and you are returning to Malaysia after your trip.

What are the types of products they have for travel insurance?

Etiqa has three (3) types of travel insurance selection products/plans for both international and domestic travel. The three plans are TripCare 360 Insurance & Takaful (International & Domestic) , SingBorder Travel Insurance & Takaful (Singapore) and Travel Ezy Insurance & Takaful (Domestic) .

Eligible age for the plan?

The eligible age for the TripCare 360 Insurance & Takaful plan depends on age. From youngest 45 days old to oldest 80 years old can benefits from it.

When is the period of the coverage?

The period covered not exceeded 30 consecutive days for traveling within Malaysia OR from the start date of the trip, you have 90 days to travel to and within an area other than Malaysia.

Is it possible for me to make a nomination for this plan?

Yes. You have the option of either nominating or appointing the individual.

If I’m holding a one-way ticket, am I eligible to purchase this plan?

Unfortunately, you are not eligible to purchase the TripCare 360 Insurance & Takaful for one way trip.

What is the procedure for canceling my coverage and receiving a refund of the premium paid?

Tripcare 360 insurance & takaful.

No refund of contributions will be allowed once the TripCare 360 Takaful certificate is issued.

Travel Ezy Insurance & Takaful

You may cancel your policy by notifying Etiqa in writing at least three (3) days before the scheduled departure time. Also, you are entitled to a refund of the premium as well as the stamp duty paid for this policy if you cancel it.

Who do I contact for emergency assistance or if I need to be admitted to a hospital while overseas?

Please contact Etiqa Travel Assistance Helpline at +603-2785 6565, which is available 24 hours a day, seven days a week.

What does Etiqa travel insurance cover?

• Personal Accident
• Medical Expenses
• Travel Inconvenience
• Losses or damages to baggage, personal effects, personal money and/or travel documents
• Emergency services
• Adventurous Activities (optional)
• Additional Coverage for COVID-19 (for International Trip only)

What are other benefits under Etiqa travel insurance?

Etiqa travel insurance provided a variety of benefits such as:

• Loss of Valuables – Get up to RM5,000 in compensation for lost or damaged baggage, money, travel documents, and personal belongings.
• Fast & Easy Claims – Quick claims can be made via WhatsApp at +603-27804677
• Travel Delay – Even if you do not file a claim, you will be compensated RM100 for a 2-hour flight delay.
• Covid-19 Add-on Coverage – You can travel in peace and knowing that you’re covered for the unexpected thanks to Covid-19.

SingBorder Travel Insurance & Takaful (Singapore)

• Medical Care – If you are hospitalized in Singapore due to Covid-19, you can receive up to RM100,000 in reimbursement.
• Repatriation of Mortal Remains – In the event of death due to Covid-19, reimbursement of up to RM10,000 for the cost of transporting the mortal remains back to Malaysia.
• Instant Discount – Call Etiqa Online at +603-27315003 to receive a 15% discount.
• Travel Delay – Ringgit Malaysia Sixty (RM60.00) cash benefit for domestic flight delay
• Fast Payment – Within 24 hours of the delay, payment will be credited.
• Automatic Payment – No claim forms are required. Automatically receive payment.

What adventurous activities are covered?

You can purchase additional coverage for adventurous activities under TripCare 360 Insurance & Takaful such as

• Bungee jumping
• Hang-gliding
• Helicopter rides sightseeing
• Hot air ballooning
• Ultra-Marathons

There are other adventurous activities that you can purchase and add on.

What countries does your policy covers?

There is three (3) area coverage under the TripCare 360 Insurance & Takaful under Etiqa travel insurance

Etiqa Travel Online (Overseas)

How much do i have to pay for etiqa travel insurance.

The premium that you had to pay for based on:

• The total premium that you have to pay depends on the insured persons (individual, individual & spouse, or family)
• Current age of the insured person
• Level of cover
• Area covered
• The duration of the trip
• Travel Ezy Insurance – You will have to pay a total premium of Ringgit Malaysia RM 20.90
• Travel Ezy Insurance (Takaful) – You will have to pay a total premium of Ringgit Malaysia RM 24.53

Can I pay for Etiqa travel insurance on an installment basis?

Unfortunately, you need to pay the Contribution before your coverage under this Certificate becomes effective.

How do I make a claim for Etiqa travel insurance?

All claims must be reported as soon as possible, but no later than 30 days after the loss or damage. You can contact them via 1-300-88-1007 OR email ([email protected]).

I think I’m ready to buy it. What’s the best way to purchase my travel insurance?

Our user-friendly website is the best place to buy your travel insurance. You can compare and select the best travel insurance policy for your needs and budget.

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• Etiqa Travel Insurance: Worth A Buy?

• Basic plan is one of the cheapest on the market
• Provides real-time tracking of flight delays
• Instant approval for travel delay claims
• Covers Cruise to Nowhere
• Average benefits for medical and trip inconvenience
• Business plan doesn't stand out in features compared to other top tier plans

Travellers seeking wallet-friendly travel insurance plans in Singapore can benefit with Etiqa's travel insurance plans. Consistently being one of the cheapest plans, Etiqa's Tiq travel insurance combines attractive prices with comprehensive coverage that will please most travellers. However, if your criteria is trip inconvenience coverage, you may not get the coverage you need.

Table of Contents

• Etiqa Entry Plan
• Etiqa Savvy Plan
• Etiqa Luxury Plan

Sports Coverage

Covid-19 add-on, claims information.

• Etiqa Travel Insurance Summary

Tiq Travel Insurance: What You Need to Know

The main reason you should consider Tiq by Etiqa's travel insurance is its affordability. Tiq's Entry and Savvy plans stand out in particular for offering among the cheapest prices for entry-level and mid-tier travel insurance plans on the Singapore market. Its coverage runs fairly average, but it provides cover for adventurous activity so it can be a good option of students or budget travellers who prefer to be active on their holidays. Etiqa is also a leader in innovation as the first insurer in the Singapore market to provide automatic real-time flight delay claims approval, meaning that you can be reimbursed for your flight delays as soon as they occur.

However, Etiqa may not be the best choice for people who booked luxury trips or need high levels of trip inconvenience coverage. In most cases, Etiqa's travel insurance plans fall below average compared to their peers for trip inconvenience benefits like missed connections, delays, cancellations and baggage loss as well as some medical coverage. Furthermore, its benefits are fairly standard so you won't find much if you are looking for niche coverage like sports equipment, wedding or pregnancy benefits. Thus, we don't recommend Tiq for people who are willing to spend extra for copious amounts of coverage or require niche benefits like sports equipment coverage or pregnancy benefits.

Notable Exclusions

Though Etiqa is lenient with sports-related medical events you can claim, it will not cover your sports equipment, including skis and snowboards. Medical exclusions are standard, including pre-existing conditions (unless you're buying the Pre-Ex plan), pregnancy-related events, mental disorder, suicide and purposeful self-injury. Other main exclusions include participating in illegal activity, participating in war and trips exceeding 182 days.

Tiq Travel Insurance Entry Plan

Etiqa has carved out a place for itself in the market for budget travel insurance plans with its Entry plan. It offers some of the lowest prices for coverage within ASEAN and Asia without cutting out the necessary protection you expect in a travel insurance policy. We think this is a great plan for the consumer who is interested in getting as cheap a plan as possible without having to compromise too much on the very features you're looking for in travel insurance anyway. For instance, students and budget travellers who are active will benefit from the low prices, adventurous activity coverage and a solid offering of benefits that cover the most likely travel woes. That said, it is possible to find even cheaper travel insurance plans, like with FWD and Budget Direct, so those looking for rock bottom prices may not find the Entry plan to be the best fit.

Tiq Travel Insurance Savvy Plan

If you're looking for an affordable mid-level, single trip plan, then Etiqa will deliver. Week-long and longer trips cost 20%-40% below average to insure and premiums drop by as much as 50% from the market average for family plans, making Etiqa's Tiq Savvy plan one of the most competitively priced mid-tier plans. However, it offers quite below-average coverage for a mid-tier plan, so those hoping to pay extra for considerably more coverage may not find the Savvy plan's upgrades to be worthwhile, as there are budget plans that can offer more coverage for the same price (or lower). Lastly, Frequent travellers should take note that the Savvy's annual plans cost around the average compared to other mid-tier plans on the market. Therefore, cost-conscious travellers may find a better deal with insurers like DirectAsia and FWD.

Tiq Travel Insurance Luxury Plan

Etiqa's premium offering, the Luxury Plan, is fairly undistinguished in that it offers below-average to average levels of coverage compared to other top-shelf travel insurance plans while also running near the middle of the pack in terms of pricing. We think that if you're seeking maximum levels of coverage or great value in a premium travel insurance plan, there are superior choices available to you, such as the DirectAsia's DA500 plan .

Though Etiqa doesn't have outright sports coverage, it does allow some adventurous activity such as skiing/snowboarding, hiking, scuba diving (above 30 metres), sky-diving, bungee jumping, hang-gliding, paragliding, parachuting and hot air balloon rides. However, there is no option for sports equipment coverage.

Apart from the Child Education Cover, Rental Car Excess Cover, Pet Hotel Cover and Sport Equipment Protector that Etiqa currently offers, Etiqa has added a comprehensive COVID-19 add-on protecting you before, during and after your trip. However, the COVID-19 add-on coverage is only available to travellers who are fully vaccinated, and fulfil the pre-departure & post-arrival tests requirements imposed by the destination country or transport operator.

To submit a claim with Etiqa, you can either contact Etiqa to get the claims procedures or complete the online claim form and submit it along with the necessary original documentation. If you have a TiqConnect account, you can submit your claims through TiqConnect. You can also conveniently contact their customer care officers via Whatsapp at the number provided below. That said, Tiq Travel Insurance also offers convenient automatic claims 3-hour flight delays (you don't even have to submit a claim) and instant claims encashment via PayNow, which makes it easier than most other insurers to file a claim when a travel inconvenience occurs.

Tiq by Etiqa Travel Insurance Summary

• S$30,000-S$500,000
• S$300-S$500

To get the maximum peace of mind on your next trip, it is vital to make sure you will be adequately covered for whatever can happen without breaking your budget. Below, we have a summary of Etiqa's coverage and prices, as well as how it compares to the industry average. If you'd like to compare Etiqa to other plans in the market in more depth, you can read our guide to some of the best travel insurance plans in Singapore.

All insurance product-related transactions via AMTD PolicyPal Group (including Value Champion) are arranged and administered by Baoxianbaobao Pte. Ltd., our insurance broker and exempt financial adviser licensed and regulated by the Monetary Authority of Singapore. This insurance purchase is powered by Baoxianbaobao Pte. Ltd.

Protected up to specified limits by SDIC. This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future financial needs. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

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Etiqa is always close at hand - at over 40 branches and 18,000 agents around the country, through Etiqa Oneline at 1300 13 8888 and through our website. We can also be reached through more than 450 Maybank branches and also other third party banks.

For corporate-related matters, we can be reached through our general line, 03-2297 3888.

To successfully humanise Insurance and Takaful, we want to be within easy reach so that we can personally deliver our unique brand of service. Etiqa is also present in the international market through its offices in Labuan, Brunei and Singapore.

Etiqa Contact Centre 1-300-13-8888

Etiqa Contact Centre is the Contact Centre for Etiqa Insurance and Takaful. Customers will have access to information regarding Etiqa's products and services such as making changes to their policies or certificates.

Enjoy a hassle-free purchase of your personal insurance and certificates over the telephone. We offer home, motor and personal accident protection over the telephone. No forms, no queues, just one phone call away.

Reach us at:

Etiqa Contact Centre operates from 9.00am to 5.00pm from Monday to Friday and 8.30am to 12.30pm on Saturday. Closed on Sunday and Public Holiday.

Complaints will normally require approximately 14 business days to be resolved from the date of receipt . If a complaint requires complex investigations or extensive research, you will be notified and timeframe will be extended. You will be kept informed of the status of your complaint from time to time.

Everything is at your convenience. It's all part of the Etiqa commitment to provide insightful solutions that make a tangible difference to your life.

Accident Assist Call Centre 1-300-22-1188

Alternatively, you can also call Accident Assist Call Centre (AACC). It is a nationwide call centre for motor insurance/takaful claims assist. This is an insurance/takaful joint industry effort to assist the Malaysian motoring public. However, for Etiqa's policy holder, we encourage you to directly contact our General Claim Assist hotline at 1-300-88-1007.

Find products & services best suited to your protection needs

View products best suited to your business needs, one stop self-help platform to submit your claims and policy services requests, etiqa rewards.

Alternatively, you can head over to our live chat .

Frequently Asked Questions

TiqConnect is a dedicated One Stop Portal where you will be able to

• View and update your personal details
• View and update your policies details
• Cancel your policies
• Make your claims
• Purchase new policies
• Renew your policies
• Refer a friend and earn rewards
• Visit Etiqa Rewards program, and enjoy using your points

Our online financial services are secure, safe and confidential.

For more information, refer to our Security Tips – https://www.etiqa.com.sg/online-security-tips/ .

Yes you can. On the left hand panel, there is the “Buy Now” link. You can click on the link to view the available products and purchase from there.

Yes you can.  You can submit the claim from your policy details.  If your policies are not listed, you may click on “Claims” to submit your claim.

Yes.  The more you refer, the more you earn. Click here  for more details.

You can click on “Refer and Earn”, then key in your friend’s email.  An email will automatically be sent to your friend with your referral code.  Alternatively, you can provide the referral code (e.g. R123) to your friend. Click here  for more details.

Promotion code is the discount code when a campaign is launched.  E.g. our TEIF discount code is TEIF.

However, a referral code is to be used when you refer a friend to purchase an Etiqa product. Once the referral code is indicated, we will be able to track your referrals and reward you according to the campaigns indicated.

You will be auto-registered when you purchased an online product from us. Otherwise if you have an existing Policy with Etiqa, you may self-register for an account at our TiqConnect Login page –  TiqConnect .

You may activate your account by logging in with your Singpass at TiqConnect or setting up your log in credentials here .

You may WhatsApp our Customer Care Officers at +65 6887 8777 to check if you have an account.

It could be that your record with us is not updated. Please approach our Customer Care Team to re-confirm the details. You can WhatsApp us at +65 8677 8780 or send an email to [email protected] for assistance.

You can remove the account at  www.etiqa.com.sg/about-tiqconnect/tiqconnect-withdrawal/ .

This could be due to data differences in across our database. To ensure that all your data across our systems are updated with the latest information, please update your mobile number via TiqConnect or go to download ( https://www.etiqa.com.sg/contact/form-downloads/ ) and submit the Personal Details Change Request form to update your latest personal details.

You can go to TiqConnect and click on “Forgot Password” to set a new password.

eWallet is your personal digital wallet on TiqConnect. Any claims or refund amount would be credited into this account for customers to encash easily via Direct Credit or PayNow into their bank account.

Encashable Credit:

You will receive encashable credit into your eWallet when you perform any claims reimbursements/ policy cancellation etc.

This amount can be used to offset for purchase or renewal of your policies.

Alternatively, you can encash the amount.

Non- Encashable Etiqa$:

You can convert your Etiqa Rewards Points to Etiqa$.

This amount can be used to offset for purchase or renewal of selected policies.

However, you will  not  be able to encash this amount.

You may login to TiqConnect to set up a Direct Credit Bank Transfer or use PayNow to encash your credits in your eWallet. Please note that you may only do so for the encashable credits stated in your eWallet.

You can login to any of your bank’s online portal and register for one. It can be registered under your mobile or NRIC.

The PayNow participarting banks include – Maybank, DBS Bank/POSB, Citibank, HSBC, OCBC Bank, Standard Chartered Bank, United Overseas Bank, Bank of China. You would be able to get detailed instructions on their respective website.

Etiqa$ is non-encashable.  It can only be used to purchase new policies or renew your existing policy.

You can use it to purchase a new policy or use it to offset renewal premium for your existing policy.

When you buy or renew a selected Etiqa insurance product, your Etiqa$ will appear as a payment option in the payment page which you can use to offset premium payment.

You can use your Etiqa$ to offset premium for:

General Insurance

• ePROTECT safety
• ePROTECT personal mobility
• Private Car Insurance
• ePROTECT motorcycle
• Tiq Home Insurance
• ePROTECT maid
• Personal Cyber Insurance
• Tiq Travel Insurance

Life Insurance

• 3 Plus Critical Illness
• Cancer Insurance
• ePROTECT term life

Yes, we will send out your monthly eWallet statement if there is existing balance in your account.

Before the payment page, our system will check the eWallet balance.  If you have a balance, we would display the balance by default to deduct from the account.  If you have Etiqa$, the premium will be deducted from Etiqa$ first and then from the encashable amount.

Encashable Credits:

Your Encashable Credits do not expire. These are credits you received from claims reimbursements/ policy cancellation etc.

Non Encashable Credits (Etiqa$):

Your Non- Encashable Etiqa$ has an expiry. You may login to TiqConnect to view the expiry date.

Please come to our Customer Care office and our staff will be able to assist in the encashment. And we can arrange to disable the account as well.

We are moving towards digitalization and ease of reimbursements to the customers. Customers will be automatically registered for TiqConnect upon their online purchase. Our staff can assist in the encashment. And if you do not want the account, a request can be submitted after the withdrawal is done.

For elderly whom requires assistance, they can drop by our office for assistance.

Yes. You may ignore and leave the credits in the eWallet and utilize it later.  However, do take note that the notification will be sent automatically to remind you of the balance.  Also, there is an expiry date for the non-encashable credits (Etiqa$).  Please log in to TiqConnect to check the expiry date.

Etiqa$ (non-encashable) will be credited back to your TiqConnect eWallet.

If you still cannot find an answer to your question, please WhatsApp our Customer Care Officer at +65 6887 8777 . 

Making Premium Payments (Life Policies only)

Q1.       What is eGIRO?

eGIRO stands for Electronic GIRO. It is a digital initiative that digitises the GIRO application process with an aim to significantly reduce the GIRO set-up turnaround time. This is a joint initiative by The Association of Banks in Singapore (ABS), and Participating Banks, with the support of the Monetary Authority of Singapore (MAS).

Q2.       How does eGIRO work and how can it benefit me?

You will now be able to apply for eGIRO via our customer portal at https://www.etiqa.com.sg/LoginPortal/#/EnrolGIRO  to set up eGIRO in minutes. All you need to do is specify your designated bank for the payment through eGIRO.

Q3.       Who are the participating banks in eGIRO?

At launch, 8 participating banks will be taking part in eGIRO: Bank of China, DBS Bank/POSB, The Hong Kong and Shanghai Banking Corporation Limited, Industrial and Commercial Bank of China, Maybank, OCBC Bank, Standard Chartered Bank and UOB. The Association of Banks in Singapore is working to onboard more banks onto eGIRO.

Q4.       How can I use eGIRO to pay my insurance premium to Etiqa?

For now, you can use eGIRO to pay only for recurring premiums due on your inforce life insurance policies with us.

Q5.       Will eGIRO replace current paper GIRO?

No. eGIRO is currently not replacing paper GIRO.

Q6.       Will my paper submissions or existing instructions be migrated to eGIRO?

No. Existing instructions or new setups by paper forms will not be migrated to eGIRO.

Q7.       What are the measures in place to safeguard my data during eGIRO set up?

There are stringent security measures in place to safeguard your personal data that passes through eGIRO. Your data is encrypted. Only the bank and billing organisation that you have authorised to receive your data is able to decrypt the data to execute the transactions that you requested. The authentication and authorisation process are underpinned by banks’ 2FA and Transaction Signing.

Q8.       How do I check my eGIRO application status?

The approval for eGIRO application is instant. Upon successful enrolment, you will see a confirmation from the bank that your application is successful. For failed enrolment, an error message will be shown online.

Q9.       How can I amend an existing eGIRO submitted via online?

Currently, you will not be able to amend existing eGIRO instructions submitted via online. You may however wish to initiate a cancellation before resubmitting a new eGIRO set-up.

Q10.       Can I use a joint bank account to set up the eGIRO application?

Yes you can provided that you are also a named joint account holder and you are using this account to pay for a policy whom you are (1) the policyholder or (2) the named payor of the policy.

Q11.       Can I use someone’s bank account to set up the eGIRO application?

No, you cannot unless the named account holder is the name payor of the policy.

Q12.       How can I terminate my eGIRO Payment arrangement?

You and/or your bank account holder can authorise the termination by completing the “Cancellation / Termination of GIRO Arrangement Form” and email us at  [email protected] . Alternatively, the bank account holder can terminate the arrangement directly with the bank.

Q13.       When is the premium deduction dates?

Please refer to the table on the premium deduction dates.  Should the first attempt to deduct the premiums from your GIRO account fails, we will make one further attempt. However, if both attempts are unsuccessful, the GIRO facility will be discontinued automatically.

  Q14.       Can I still apply for GIRO if I do not want online?

We encourage you to use set up the eGIRO online as the approval is instant. However, if you still prefer not to do it online, you may download the Interbank GIRO application form via our  website .  Please send the original copy to us for processing.  It will take between 14 to 60 days for the approval.

• Download and complete our  Interbank GIRO Application Form
• Mail the original signed Interbank GIRO Application Form to:
• Download and complete our  Credit Card Authorisation Form (SGD)  or  Credit Card Authorisation Form (USD)
• Email the signed Credit Card Authorisation Form to  [email protected] .
• Login to your Maybank or DBS/POSB ibanking
• Select  Etiqa Insurance-Life  (Maybank account holder) or  Etiqa-Life Insurance  (DBS/POSB account holder) as the billing organisation under the bill payment tab
• Input the Policy Number(s) under Reference

If you still cannot find an answer to your question, please WhatsApp our Customer Care Consultants at +65 6887 8777 .

Claims and Services

Privacy and security, customer care hotline.

2024 Etiqa Insurance Pte. Ltd. UEN: 201331905K

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Marketing Consent Terms & Conditions

• I consent to Etiqa and its related, its agents, authorised service providers and marketing partners collecting, using, disclosing, and/or processing my personal data, in order to contact me about products and services marketed by Etiqa or its partners as well as benefits, promotions and rewards, via the modes mentioned or selected, and using my contact particulars which Etiqa may have in its records from time to time (including where applicable my Singapore telephone number(s));
• I confirm and agree that my consents granted herein do not supersede or replace any other consents which I may have previously provided to Etiqa in respect of my personal data, and are additional to any rights which Etiqa may have at law to collect, use or disclose my personal data, unless my consent is withdrawn and notified to Etiqa.
• I can choose to withdraw my consent by submitting the Marketing Withdrawal Form at www.etiqa.com.sg or email to [email protected].

Personal Data Protection Terms & Conditions

I expressly authorise and consent to Etiqa, its officers and employees at their sole discretion, to disclose any and all information relating to me, including my personal particulars, my transactions and dealings and my policies of insurance with Etiqa, to any of the following persons, whether in Singapore or elsewhere:

• Etiqa’s related corporations or affiliates;
• Any of Etiqa’s contractors or third party service providers;
• Any regulatory, supervisory or other authority, court of law, tribunal or person, in any jurisdiction, where such disclosure is required by law, regulation, judgement or order of court or order of any tribunal or as a matter of practice;
• Any actual or potential assignee(s) or transferee(s) of any rights and obligations of Etiqa under or relating to my policy or policies for any purpose connected with the proposed assignment or transfer; and
• Any credit bureau, insurer or representative, for such purpose(s) that Etiqa in its reasonable opinion considers appropriate including but not limited to the purpose(s) of underwriting, customer servicing, investigation of Etiqa’s representatives and monitoring undesirable sales practices.

Eligibility Conditions

• The Insured, also known as the Applicant / Proposer, must be a Singapore citizen, Permanent Resident of Singapore or foreigner with a valid Work Pass, Student Pass, Dependant’s Pass or Long-Term Visit Pass.
• The Applicant/Proposer must be at least 18 years of age.
• For more information, please view our Policy Wording

Thanks for your interest.

Our Assurance Manager will reach out to you within 2 working days to assist you further.