Dash PET Plus is a yearly renewable, optional single premium investment-linked insurance rider (ILP) that is designed to meet your wealth accumulation needs.

Dash PET Plus will renew yearly as long as the Dash PET policy remains in force till the policy anniversary immediately before the life insured attains 100 years old. This plan provides protection against death and terminal illness of the life insured during the policy term.

Dash PET Plus is underwritten by Etiqa Insurance Pte. Ltd.

You can purchase Dash PET Plus for yourself if you are:

• a Singapore citizen or permanent resident with a valid NRIC; or
• a foreigner holding a valid Work Pass/Permit or Long-Term Visit Pass; and
• You have an existing Dash PET account; and
• You are between age 17 to 60 (age next birthday); and
• You met the Customer Knowledge Assessment (CKA) criteria

Dash PET Plus is only available for existing Dash PET users. If you’re not yet on Dash PET, simply launch your Dash app > Tap ‘Grow Money’ > Sign up for Dash PET (min. S$50).

On the Dash PET dashboard, select Dash PET Plus to sign up:

• Select your portfolio fund option: Dividend Reinvest or Dividend Cashout Complete the Customer Knowledge Assessment (CKA)
• Fund your Dash PET Plus account from S$1,000

For more information on Customer Knowledge Assessment, click here.

You can only invest in 1 portfolio fund at any point in time per active ILP policy (reinvest or cashout). However, you may sign up for more than one ILP policy with varying portfolio fund options.

You can start investing with an initial single premium of S$1,000 up to a maximum of S$99,999.
Thereafter, a minimum Dash PET Plus account value of S$100 is required to maintain the ILP.

Initial premiums can be made through the following options:

• PayNow mobile
• Deduction from Dash PET account

Top-up is required in order for your Dash PET Plus to remain active, otherwise your Dash PET Plus will be surrendered after the thirty (30) days grace period. The proceeds shall be given back to you through PayNow mobile.

Dash PET Plus account value is the value of all the units in your rider less any applicable fees and charges. Dash PET Plus is subject to the market performance of the assets of the ILP sub-funds. Your investment returns are subject to investment risks, including the possible loss of the principal invested. The value of the units in the Portfolio fund may fall as well as rise depending on economic / market conditions.

Yes, you can switch between the 2 portfolio funds.

Do note the following changes will apply for each change request:

• At each successful request, Etiqa will switch out all the funds in the current portfolio fund into the other portfolio fund.
• Should the fund switch request be received before 3 p.m. (Singapore time), Etiqa will use the unit price for the current Valuation day else it will be based on the unit price as at the next valuation day.

There is currently no charges when you switch your portfolio fund.

You can make a recurring or ad-hoc top-up immediately after the rider issuance to power up your investment. Recurring top-up can only be made via deduction from your Dash PET policy.

• Ad-hoc top-up(s) are one-off top-up(s) made to Dash PET Plus. You may make your ad-hoc top-up(s) via PayNow mobile or from your Dash PET account.
• The minimum amount for ad-hoc top-up is S$100 and the maximum is capped at $99,999 per transaction.

• The minimum amount for recurring top-up is S$100 per month.
• The maximum recurring top-up per enrolment allowed is S$30,000.

Top-up is subject to the maximum Dash PET Plus account value cap of S$99,999. Should the Dash PET Plus account value exceeds the maximum Dash PET Plus account value, no top-up is allowed.

Etiqa reserves the right to revise the top-up requirements at any time by giving you thirty (30) days’ written notice.

Top-up of portfolio fund will be processed according to the respective ILP sub-funds allocation.

If you submit your applications/request before 3 p.m. (Singapore time), Etiqa will use the unit price for the current valuation day or else it will be based on the unit price as at the next valuation day.

Below is a simple illustration on the date that your units and unit price will be available for viewing via Singtel Dash app.

A simple illustration:

You may withdraw money from your Dash PET Plus through the following ways:

You can make partial withdrawal(s) any time after the rider issuance, subject to the following:

• Minimum partial withdrawal amount is S$100.
• After partial withdrawal, the minimum account balance must be at least S$100.
• Partial withdrawal(s) is not allowed if the remaining amount in your account value falls below the minimum requirement of S$100 after withdrawal(s).

You can submit a request for partial withdrawal(s) via Singtel Dash app. You may choose to receive the partial withdrawal amount via PayNow mobile or transfer back to your Dash PET account. Payment to third party account is not allowed.

You will receive a SMS and email notification upon successful withdrawal.

The partial withdrawal requirements is subject to change and a thirty (30) days’ written notice will be provided to you.

For partial withdrawal to your Dash PET account, ensure that your Dash PET account has not reach its maximum account value of S$30,000. The partial withdrawal request will not be processed if the amount exceeds the maximum Dash PET policy account value.

If you choose the option to transfer to you via PayNow mobile, a charge of S$0.70 will be imposed for every transaction via PayNow mobile and it will be deducted from the transferred amount.

Partial withdrawal(s) will reduce the Dash PET Plus account value by the withdrawn amount.

Partial withdrawal(s) will be processed proportionately according to the respective ILP sub-funds allocation.

Upon full surrender, Etiqa will pay the surrender benefit in one lump sum which is equivalent to the Dash PET Plus account value, less applicable fees and charges. When Etiqa makes this payment, the Dash PET Plus policy ends. You may request for a full surrender any time after the free look period. The surrender proceeds will be transfer to you via PayNow mobile and Etiqa will be deducting $0.70 charge from the surrender amount.

You will receive a SMS and email notification upon full surrender. There is no additional fees for full surrender.

You may cancel (free look) Dash PET Plus within 14 days after you received the rider document, for any reason. Etiqa will refund you the premiums you have paid less any change in the unit price(s) of the portfolio fund and any costs incurred by the company in assessing the risk under the Dash PET Plus. Any partial withdrawal previously paid to you under this Dash PET Plus will also be deducted.

Should the free look request be received before 3 p.m. (Singapore time), Etiqa will use the unit price for the current valuation day or else it will be based on the unit price as at the next valuation day. In the event that the Dash PET Plus account value of the portfolio fund is more than the premium paid, Etiqa will only refund the premium paid. The free look proceeds will be transferred to you via PayNow mobile and Etiqa will be deducting $0.70 charge from the free look amount.

If your Dash PET Plus document is sent by email, Etiqa considers this is delivered to you 1 day after the date of emailing.

You can check the status of your request or access your policy status such as your account value via Singtel Dash app.

A monthly policy statement will be sent to you via email. This document aims to keep you informed of the status of your Dash PET Plus such as the account value, total top-up(s) and total partial withdrawal(s). Alternatively, you may view the monthly policy statement via TiqConnect customer portal.

You are covered for death and terminal illness benefit. Etiqa will pay the higher of: The Dash PET Plus account value; or 105% of net premiums*

less any fees and charges applicable.

Dash PET Plus will end when Etiqa makes this payment.

*refers to single premium plus ad-hoc and recurring top-up paid to date less withdrawals.

A simple illustration:

Based on scenario A, Etiqa will payout the account value since it is higher than the death / terminal illness benefit.

Based on scenario B, Etiqa will payout the death / terminal illness benefit since the account value is lower.

You may refer to the Product Summary for more details on the plan benefits and exclusions.

Dash PET Plus is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your Dash PET Plus 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 web-sites ( www.lia.org.sg or www.sdic.org.sg).

Dash PET Plus will mature when you reach 100 years old. The maturity benefit payable will be the Dash PET Plus account value less any applicable fees and charges.

Fees and charges are subject to changes and a thirty (30) days’ written notice will be provided to you if Etiqa does so.

Etiqa is committed to keeping the claim process as swift as they can. To assess this claim, please send a written notice to Etiqa at PolicyServicing@etiqa.com.sg within 3 months of the occurrence of the claim event.

Dash PET Plus is underwritten by Etiqa Insurance Pte. Ltd., 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 http://www.etiqa.com.sg

If you have any other enquiries on Dash PET Plus, you may WhatsApp Etiqa’s friendly Customer Care Consultants at +65 6887 8777 during their operating hours – Mondays to Fridays, 8.45am to 5.30pm (excluding Public Holidays).