GARBAGE!
Etiqa is terrible! They are not responsive, and their claim reimbursement process takes several months instead of only 15 business days. Their Smile app is problematic in terms of reimbursement because it does not show you or your dependent's name, at least to proceed with the next steps for claims. The liaison does not address all questions or concerns directly. There are some clinics where the use of Etiqa is suspended, and if you are lucky to find one near you, Etiqa's approval process to use the HMO takes several hours, which means that other patients with a different HMO that came in after you will get attended to and directed to doctors before you. Overall, their service is garbage!