Etiqa Critical Care Plus: Critical Illness Coverage
Discover Critical Illness Insurance in Malaysia
Comprehensive critical illness and life coverage for family protection and financial security, with no medical check-up required.
Discover Critical Illness Insurance in Malaysia
Comprehensive critical illness and life coverage for family protection and financial security, with no medical check-up required.
Etiqa Critical Care Plus is an insurance plan designed to protect you and your family from the financial impact of 42 Critical Illnesses which are serious illnesses in nature. The 42 Critical Illnesses include cancer, heart attack, and stroke. Etiqa Critical Care Plus is a solution accessible via your EPF (KWSP) account, no cash payment upfront and no medical check-up required, making this 42 Critical Illness insurance plan more accessible than ever for Malaysian families.
This plan is also designed for EPF members seeking critical illnesses coverage or looking to protect you and your family. This plan offers flexible and affordable Critical Illness insurance with lump sum payout that helps you focus on recovery, not your finances.
What Is Etiqa Critical Care Plus insurance?
Etiqa Critical Care Plus is a Critical Illness insurance plan in Malaysia that provides a lump sum cash payout when you or your family member(s) are diagnosed with any of the 42 covered Critical Illnesses. The plan is categorized as a Critical Illness insurance that provides financial support during major medical events such as late-stage cancer, organ failure, or coronary heart disease that may lead to significant expenses beyond your medical card insurance.
Upon a confirmed diagnosis of a covered condition, you or your family member will receive a lump sum of up to 100% of the sum insured (also known as coverage amount), from RM10,000 or up to RM200,000 (depending on your coverage amount). This cash benefit can be used for treatment, lifestyle adjustments, or to replace lost income during recovery.
Premiums are automatically deducted directly from the member's EPF (KWSP) account, making this Critical Illness insurance plan a more convenient option with no out-of-pocket cash payments required. Plus no medical check-up required too.
Key benefits of Etiqa Critical Care Plus insurance
No out-of-pocket cash payment needed
Premiums are automatically deducted via your EPF (KWSP) account
No medical check-up
Answer 4 simple health questions
Covers 42 Critical Illnesses which are serious illnesses in nature
Including cancer, heart attack, and stroke
Cancer Care Benefits
Get up to 150% sum insured (coverage amount) when diagnosed with cancer
Early Cash Payout on select conditions
10% of sum insured upon diagnosis of early-stage cancer, angioplasty, and other invasive treatments for coronary artery disease, severe mental illness, or diabetes mellitus complications
Flexible sum insured (coverage amount)
From RM10,000 up to RM200,000 for you and your family.
Family Plan
Protect your family with a Critical Illness insurance plan that offers individual coverage amount for each member.
Who should consider Etiqa Critical Care Plus insurance in Malaysia?
This plan is ideal for EPF (KWSP) members who want accessible, affordable Critical Illness insurance with 4 simple health questions and no out-of-pocket cash payment, premium automatically deducted from EPF (KWSP) account. It is suitable for:
A Critical Illness insurance plan like this is important because it pays lump sum cash to you directly, helping you to cover medical bills, household expenses, and loss of income while you focus on recovery.
How to get Etiqa Critical Care Plus insurance?
STEP 1
Log in to your KWSP i-Akaun app, tap on 'Withdrawal'.
STEP 2
Tap on 'Members Protection Plan' to access the i-Lindung Platform.
STEP 3
Tap on 'Get a quote for insurance & takaful' and fill in your details.
STEP 4
Choose 'Critical illness protection', select 'Insurance', then select 'Etiqa Life Insurance Berhad'.
STEP 5
Choose 'Etiqa Critical Care Plus.'
STEP 6
Tap 'Buy this product' and you will be redirected to our website.
STEP 7
Answer 4 simple health questions and fill in all your details.
STEP 8
Proceed to payment and you are covered.
Which Critical Illnesses are covered?
Etiqa Critical Care Plus covers 42 Critical Illnesses across multiple serious illness categories. The following are key examples:
Cancer
including early-stage cancer with 10% early payout
Heart Attack
And coronary artery disease requiring surgery
Stroke
Resulting in permanent neurological damage
Kidney Failure
Requiring dialysis
Major Organ Transplant
Heart, lung, liver, kidney and pancreas
Blindness
Permanent and irreversible
Deafness
Permanent and irreversible
Parkinson's Disease
And severe neurological conditions
Loss of Limbs
Due to accident or illness
Diabetes Mellitus Complications
With early payout at 10% of sum insured
For the complete list of 42 covered Critical Illnesses, refer to the Product Disclosure Sheet or download the full policy document.
Why do you need Critical Illness insurance in Malaysia?
Did you know? According to Malaysia's National Health and Morbidity Survey (NHMS), nearly 14% of households borrowed money to finance healthcare expenses, while others were forced to sell assets to cover medical costs.
While medical treatment is important, understanding the potential costs and claim conditions of the critical illnesses is equally crucial.
| Critical Illness Financial Impact in Malaysia (Illustrative Guide) | ||
|---|---|---|
| Condition | Illustrative Treatment Breakdown | Estimated Total Financial Impact |
| Acute Myocardial Infarction | Emergency & surgery: RM35,000 - RM80,000 CCU stay: RM15,000 - RM30,000 Income replacement: RM50,000 - RM100,000 Medication & rehab: RM10,000 - RM20,000 | RM110,000 - RM230,000 |
| Breast Cancer (Stage 3) | Direct treatment: RM65,000 - RM 120,000 Targeted therapy: RM100,000 - RM150,000 Income replacement: RM100,000 Lifestyle costs: RM25,000 | RM290,000 - RM395,000 |
| End-Stage Renal Disease | Dialysis (2 years): RM80,000 - RM100,000 Fistula surgery: RM5,000 - RM15,000 Medication: RM20,000 - RM40,000 Income loss: RM100,000 Transplant (optional): RM60,000 - RM120,000 | RM145,000 - RM295,000 (first 2 years) |
| Stroke | Emergency treatment: RM30,000 - RM65,000 Rehabilitation: RM20,000 - RM45,000 Income replacement: RM50,000 - RM100,000 Home care & mobility: RM15,000 - RM35,000 | RM115,000 - RM245,000 |
The financial figures shown are illustrative estimates for general financial awareness only and are not a quotation or guarantee. Actual costs may vary depending on the hospital, severity, complications, and treatment plan. This content is for educational purposes only.
A diagnosis of any of the 42 Critical Illnesses which is one of the most financially disruptive life events a Malaysian family can face. Beyond medical treatment, it can lead to:
Months or years of lost income during treatment and recovery.
Home modification costs for long-term disability management.
Additional caregiving or nursing expenses not covered by hospitalisation insurance.
Disruption to children's education and household financial obligations.
Critical Illness insurance is designed specifically to address these indirect financial burdens. Unlike standard medical insurance that reimburses hospital bills, Critical Illness insurance pays a lump sum directly to you. You decide how to use it — whether for specialist treatment, home care, debt management, or family support.
With the 42 Critical Illnesses coverage from Etiqa Critical Care Plus, you gain financial certainty at one of life's most uncertain moments.
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