Earn up to S$800 returns at 1.6%* p.a. on your first S$50,000
Dash PET by Etiqa Insurance, is Singapore's top-rated insurance savings plan
that lets you save and protect yourself better with 100% capital guaranteed!
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How does Dash PET
take care of you?
Protect
FREE life protection
Add-on protections from just 2 cents a day
Earn
Get 1.6%* p.a. returns on your first S$50,000,
Bonus of up to 0.75%^ p.a. with add-on protections,
Save from just S$50 with 100% capital guaranteed
(Interest is accrued daily and paid monthly)
Transact
Short lock-in period of 12 months,
Instant top-ups & flexible partial withdrawals of up to 10% of your Single Premium and Top-ups in the
first policy year
(#Surrender charges within first year apply)
Protected up to specified limits by SDIC
Your PET can protect you
Free coverage and
additional interest
Add-On Protection
Enjoy up to 0.75%^ p.a. additional interest on your Dash PET savings when you add more coverage.
Key highlights
✓ Choose from 3 protection plans
✓ Up to S$100,000 coverage per plan
✓ Each premium starts from 2 cents per day
Major Cancer
• Covers critical stage cancers, including leukemia, lymphoma and sarcoma
• Complements existing Critical Illness plans
Death & Total and
Permanent Disability
• Lump sum payment in the event of death or inability to perform 3 out of 6 Activities of Daily Living
Accidental Death
• Lump sum payment in the event of accidental death
How your PET earns for you
You earn 1.6%* p.a. returns on your first S$50,000
Stack returns of up to 0.75%^ p.a. more when you add on more protection plans
Calculate your potential returns and
watch your PET grow based on your savings!
BONUS! Get up to 0.75%^
p.a. additional interest on
your Dash PET savings
when you add more
coverage.
Learn more
Get Dash PET here.
Download the App to get started.
Sign up and let Dash PET take care of you.
Frequently Asked Questions
What is Dash PET ?
Dash PET is an insurance savings plan that offers savings at high returns, with capital guaranteed and flexibility of funds. Grow your Dash PET while it takes care of your financial health.
Dash PET life insureds are also covered for life protection.
The policy is underwritten by Etiqa Insurance Pte. Ltd. (Company Reg. No. 201331905K).
What are the benefits of Dash PET ?
As a Dash PET life insured, you enjoy:
- High returns, capital guaranteed: Earn as high as 1.6%1 p.a. returns on your savings
- Easy requirement: Start saving from just S$50 up to S$50,000
- Flexibility for partial withdrawals (Maximum withdrawals of up to 10% of your Single Premium and Top-ups in the first policy year. Surrender charges within the first policy year apply. Refer to your Policy Illustration for details)
- Affordable add-on protection: Life coverage from as low as 2 cents a day with additional returns on your savings
1Crediting rates are 1.6% p.a. for the first policy year, with capital guaranteed. Crediting rates are non-guaranteed.
Dash PET is a yearly renewable policy. What does this mean ?
This is a yearly renewable plan and the policy term is 1 year. At the end of 1 year policy term, this policy will be renewed automatically for another 1 year at the same conditions on the expiry date before renewal, so long as the following conditions are met:
- this policy is in force on the expiry date before the renewal; and
- you (life insured) have not reached age 100 at the renewal date.
Etiqa Insurance reserves the right to terminate this policy by giving 90 days’ notice. Upon termination, Etiqa will refund the account value, less any amounts owing to Etiqa.
What are the returns for Dash PET and how are they calculated ?
Dash PET life insureds will earn 1.6% p.a. returns on the account value for the first policy
year.
The minimum average daily account value balance is S$50 to be eligible for interests and
other policy benefits.
Receive up to 0.25% p.a. on the first S$10,000 of your Dash PET account value, for each
active add-on protection.
The returns are calculated daily based on the crediting rate. Returns will be credited on the
1st of every calendar month.
My Dash PET policy started before 12 August 2022. What is my rate of returns ?
If your Dash PET policy’s start date is 26 April 2021 and before, you will continue to enjoy 1.7%2 p.a. returns for the first year, starting from the policy start date.
- First S$10,000: 1.7%2p.a. for the first year
- Above S$10,000: 1.2%3p.a. for the first year
2Guaranteed at 1.0% p.a. + 0.7% p.a. bonus for the first policy year.
3Guaranteed at 1.0% p.a. + 0.2% p.a. bonus for the first policy year.
If your Dash PET policy’s start date is between 27 April 2022 and 11 August 2022, you will continue
to enjoy 1.3%4 p.a. returns for the first year, starting from the policy start date.
First S$10,000:
1.3%4p.a. for the first year
- Above S$10,000: 0.3%5 p.a. for the first year
- Above S$10,000: 0.3%5 p.a. for the first year
4Guaranteed at 0.0% p.a. + 1.3% p.a. bonus for the first policy year.
5Guaranteed at 0.0% p.a. + 0.3% p.a. bonus for the first policy year.
What is Dash PET insurance coverage ?
In the event of death during the policy term, 105% of your account value will be paid as the death
benefit and the policy ends. Please refer to your Policy Terms and Conditions for details.
All Dash PET users may add up to three add-on protection plans to their existing Dash PET policy.
Who can sign up for Dash PET ?
Dash PET is applicable for eligible Singtel Dash users aged between 17 to 75 (at next birthday) with
a valid Singapore NRIC or Singapore residency/work pass. Sign up or log in to Singtel Dash app to
check your eligibility.
Please note that all applications are subjected to the acceptance by Etiqa Insurance Pte. Ltd..
Only one Dash PET policy per individual is allowed at any point in time, regardless whether your
policy is active or inactive. This policy is subject to Eligibility Rules. For more information on
Eligibility Rules, please refer to https://www.tiq.com.sg/Eligibility-rules.pdf.
I already have Dash EasyEarn. Can I sign up for Dash PET ?
Yes you may! Dash EasyEarn and Dash PET are different policies, so you can save with both plans and enjoy the respective high rates of return. You are allowed to hold one Dash EasyEarn and one Dash PET policy at any time.
Can I re-activate my policy if I free-look or surrender the policy ?
Once you request for a freelook or surrender on your policy, you will not be able to make another purchase of this policy within a 3 months period.
How do I manage my account ?
Everything’s on Singtel Dash app! Launch Dash > Home screen > ‘Grow Money’ tile to access and manage your account.
- View Dash PET policy details
- Top up your account
- Make transfers and withdrawals of funds
How do I grow my Dash PET ?
Grow your Dash PET by increasing your account value.
Manage your Dash PET on Singtel Dash app! Launch Dash > Home screen > ‘Grow
Money’ tile to access your Dash PET dashboard.
How do I top up my account ?
Select any of these options to top up your Dash PET account from S$1:
- Dash Wallet
- Bank Account via PayNow
- Bank Account via eNets (minimum S$50).
Ad-hoc top-up available for up to age 75 (age next birthday) only.
What are the ways to make a partial withdrawal ?
You may make partial withdrawals from as little as S$1.
- Transfer to Dash Wallet
- Bank account via PayNow (70 cents apply per transaction)
Maintain an average daily account value balance of at least S$50 to continue earning interests for that month and maintain at least S$1 of account value to keep your policy active.
How much can I withdraw ?
For the first policy year, the maximum withdrawal amount is 10% of your Single Premium
and Top-ups (excluding insurance cover charge of the optional add-on protection). Please
refer to Policy Terms and Conditions for full details.
If you wish to make a full withdrawal, you will need to request to surrender your policy
Please note that once your policy is surrendered, the add-on protection tagged to your
policy will also be terminated and you may not make another purchase of this policy within a
3-month period.
We reserve the right to delay the payment of the withdrawal amount/surrender benefit for up
to a period of 6 months from the date of the withdrawal/surrender request. We will exercise this
right when there is a surge in withdrawals (partial/full) within the Portfolio during a very
short period of time.
What are the add-on protection plans available, and their benefits ?
Dash PET users may activate the following add-on protection from as low as 2 cents a day:
– Major Cancer
– Accidental Death
– Death & Total and Permanent Disability
For each add-on protection, you may enjoy the following:
– Be covered from S$10,000 to S$100,000 sum assured
– Affordable premium from as low as 2 cents a day
– Seamless daily payment right from your Dash PET account
ADDITIONAL INTEREST ON YOUR SAVINGS:
Receive up to 0.25% p.a. on the first S$10,000 of your Dash PET account value for each active paid
add-on protection.
For more details of each of the available plans, click here.
How do I pay for the daily premiums for my add-on protection ?
Your premium will be paid on a daily basis via your Dash PET account. Keep a healthy minimum daily account balance of at least S$50 to ensure that your add-on protection plans stay active and you continue enjoying earning your returns.
Can I change my add-on protection coverage (sum assured) ?
Yes, the coverage (sum assured) amount for add-on protection can be changed from S$10,000 to
S$100,000, in multiples of $1,000.
– Launch Dash app > Grow Money > Dash PET > “Add-on Protection” tab
– Select your add-on protection
– Update your sum assured and submit
The change will be effective within one working day. Waiting period, if any, will restart with each
change.
Important: An increase in sum assured will also increase the daily premium payable, do
ensure sufficient funds in your Dash PET account.
Am I eligible for the complimentary add-on protection plan ?
The complimentary add-on protection is only made available to Dash PET customers with policy start date from 27 April 2021 to 3 August 2022.
What if I change my mind ?
Dash PET has a 14-day free look period within which you may request to cancel the policy
when you access your Dash PET dashboard within Dash app.
While your policy is active and in force, you may withdraw your funds partially anytime up to
the maximum withdrawal limit. Do note that a policy surrender will terminate your account
and all add-on protection plans tagged to your Dash PET policy, where applicable.
What happens if I want to surrender my policy or file a death claim ?
To surrender your policy, you may WhatsApp Etiqa’s Customer Care Consultants at +65 6887 8777 during
operating hours – Mondays to Fridays, 8.45am to 5.30pm (excluding public holidays). You may select
your payout option of PayNow (NRIC) or Direct Credit. Surrender charges of 10% of your total Account
value less free partial withdrawal limit apply for first policy year.
The add-on protection plans are tagged to your Dash PET policy. In the event that you wish to
surrender your Dash PET policy, the add-on protection plan(s) will also be de-activated.
To file a claim, please WhatsApp Etiqa’s customer care consultants at +65 6887 8777 from Mondays to
Fridays (excluding Public Holidays), 8.45am to 5.30pm within 3 months of the occurrence of the claim
event.
Can I re-activate my policy if I free-look or surrender the policy ?
Once you request for a freelook or surrender on your policy, you will not be able to sign up for Dash PET within a 3 months’ period.
How is Dash PET policy protected ?
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 Etiqa Insurance or visit the Life
Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
Dash PET is categorized under “Individual life and voluntary group life policies (with the
exception of annuities)” with a cap of S$500,000 for the aggregated guaranteed sum
insured and S$100,000 for aggregated guaranteed surrender value per life insured per
insurer.
Who is Etiqa Insurance ?
Etiqa Insurance Pte. Ltd. is a licensed life and general insurance company registered in the Republic of Singapore and governed by the Insurance Act. It is an insurance arm of Maybank Group which is among Asia’s leading banking groups and South East Asia’s fourth largest bank by assets. To know more about our corporate profile, visit our website at www.etiqa.com.sg.
I have further queries on my Dash PET policy, who should I contact ?
For general enquiries on Dash PET, visit https://direct.lc.chat/5701831/628 to start a live
chat with Etiqa Insurance’s agents immediately.
For enquiries on your existing Dash PET policy, please WhatsApp our customer care
consultants at +65 6887 8777 from Mondays to Fridays, 8.45am to 5.30pm (excluding
public holidays).
View
Dash PET
product summary and policy terms & conditions.
This is not a bank account or a fixed deposit. It is an insurance savings plan that earns a crediting interest
rate.
*26 April 2021 and before - For the first S$10,000 Account Value: Guaranteed 1% p.a. + 0.7% p.a. bonus
for the first policy year. For above first S$10,000 Account Value: 1% p.a. guaranteed + 0.2% p.a. bonus for
the first policy year.
*27 April 2022 to 11 August 2022 -
For the first S$10,000 Account Value: 1.3% p.a. for the first policy year. For above first S$10,000 Account
Value: 0.3% p.a. for the first policy year. Crediting rate is non-guaranteed.
*12 August 2022 onwards - For the first S$50,000 Account Value: 1.6% p.a. for the first policy year.
Crediting rate is non-guaranteed.
^Additional interests of up to 0.25% p.a. from each activated add-on protection applies to the first S$10,000
account value of your active Dash PET policy.
#Surrender charges of 10% of your total Account value less the partial withdrawal limit (if any)
apply for
first policy year.
This policy is underwritten by Etiqa Insurance Pte. Ltd. (Company Reg. No. 201331905K). 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 Life Insurance
Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg). As buying a life insurance policy is a
long-term commitment, an early termination of the policy usually involves high costs and the surrender value,
if any, that is payable to you may be zero or less than the total premiums paid. 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. 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. This advertisement has not been reviewed by the
Monetary Authority of Singapore. Information is accurate as at 12 August 2022.
Singtel Dash terms apply.
