BENEFITS

Plan A (S$)

Plan B (S$)

Plan C (S$)

Plan D (S$)

(Maximum Limit Per Plan)

1

Household Contents (*including valuables), improvement and renovations

50,000

100,000

150,000

200,000

* Limit per article: S$1,000, unless separately specified on the Schedule and a sum insured is placed on each item.  This limitation shall not apply to furniture, piano, organ, household appliances, multimedia equipment and personal computer.

EXTENSIONS

(Maximum Limit Per Claim)

(A)

Architects' and Legal Fees, Cost of Debris Removal and Fire Extinguishment

5,000

10,000

15,000

20,000

(B)

Cost of Temporary Accommodation

5,000

10,000

15,000

20,000

(C)

Domestic Servant's Property

500

1,000

1,500

2,000

(D)

Damage to Refrigerated Food

500

500

500

500

(E)

Cost of Replacement of Locks and Keys following a Break-in

500

500

500

500

(F)

Damage to Awnings, Blinds and Signs

1,000

1,000

1,000

1,000

(G)

Damage to Household Contents during
removal by Professional Movers

5,000

5,000

5,000

5,000

(H)

Accidental Death of Domestic Pedigree
Pet

500

500

500

500

2

Personal/ Family Liability                 Geographical limit: Anywhere within Singapore

Any One Accident

500,000

500,000

500,000

500,000

3

Fatal Accident caused by thieves or fire whilst at the Situation

(a)

Insured

5,000

10,000

15,000

20,000

(b)

Legal Spouse

5,000

10,000

15,000

20,000

(c)

Child(ren)

5,000

5,000

5,000

5,000

(d)

Hospital Cash Benefits
(maximum 60 days)

Nil

Nil

100 / Family/ day

100 / Family/ day

Aggregate Limit Per Family

50,000

50,000

50,000

50,000

4

Home Emergency Assistance (This referral service is provided by International SOS Pte Ltd)

(A)

Home Care Services

(i)

Locksmith Assistance

Limit for each Home Care Service: S$100 and
Maximum 2 events per period of insurance

(ii)

Plumbing Assistance

(iii)

Electrical Assistance

(iv)

Air-conditioner Engineer
Assistance

(v)

Pest Control Assistance

(B)

Referral Services

(i)

Home Cleaning Assistance

Only provides referral service. 
All costs shall be paid by the Insured

(ii)

Home Nursing Care Assistance

(iii)

Television Repair Assistance

(iv)

Home Movers Assistance

(v)

Washing Machine Repair Assistance

(vi)

Refrigerator Repair Assistance

(vii)

Arrangement for a
Doctor's House Call

ANNUAL PREMIUM
(INCLUDING 7% GST)

115.56

218.28

333.84

436.56

1

On Building
(excluding foundation)

Please advise the sum to be insured
Premium Rate: S$3.50 per S$10,000 (For Class I construction)

2

On Valuables (Geographical limit: Anywhere in Singapore)

(A)

Unspecified Article(s)

Please advise the sum to be insured
Limit per article: S$2,500
Premium payable: Subject to underwriting

(B)

Specified Article(s)

Please advise the list of article(s) to be insured and the respective sum insured
Premium payable: Subject to underwriting

Loss or damage caused by Insured Events such as fire, explosion, lightning, burglary, malicious damage, bursting or overflowing of water apparatus or pipes, impact damage, windstorm, riots or acts of strikers, accidental breakage of fixed glass and flood, etc to the property insured

Architects' & legal fees, cost of debris removal & fire extinguishments necessarily incurred arising from an Insured Event

Cost of temporary accommodation arising from an Insured Event

Damage to domestic servant's property arising from an Insured Event

Damage to refrigerated food due to a breakdown of a refrigerator unit

Cover the cost of replacement of locks and keys following a break-in

Cover damage to awning, blinds and signs arising from an Insured Event

Cover accidental loss of or damage to household contents during removal by professional removers

Accidental death of domestic pedigree pet(s) caused by violent external and visible means, occurring whilst the domestic pedigree pet(s) is/are confined within the Situation

Personal/ family liability protection within Singapore

Accidental death of Insured, legal spouse and dependent child(ren)occurring in the Situation occasioned by outward and visible violence caused by thieves or fire

1

Situation means your private dwelling insured under this Policy.

2

Building

The private dwelling, residential flat or private boarding house and all domestic outbuildings, fixtures and fittings attached to the Building, in-ground swimming pool, underground services, walls, gates, and fences and all other domestic improvements of a structural nature of the Situation and for which you are legally responsible.  All Buildings are declared by the Insured to be built of brick stone or concrete and roofed with concrete, slate, metal, asbestos or a composition of asbestos and other non-combustible mineral ingredients unless specially mentioned to us.

3

Contents

All contents of every description and tenants' fixtures and fittings at the Situation and belonging to you (or for which you are legally responsible) or to members of your family when permanently residing with you, including the following valuable articles:

1. Cash and other negotiable securities, travel tickets, deeds, documents, stamp collections, manuscripts, medals and coins, all whilst held for private purposes, up to an amount of S$500 in total, unless separately specified in the Schedule and a sum insured placed on each item.
2. Curios, pictures or other works of art, furs, jewellery, jade, gemstones, watches, gold or silver objects, up to a maximum any one item of S$1,000, unless separately specified on the Schedule and a sum insured placed on each item. 

But shall not mean:
Livestock, motor vehicles, motor cycles, caravans, trailers, boats, aircraft or their accessories whilst in them or on them.

This Policy generally does not cover:

~

Consequential loss of any kind or description whatsoever;

~

War and kindred risks;

~

Acts of terrorism

For the full list of Exclusions, you can request for a copy of the specimen Policy from the Company.

The above is provided for general information and is not a contract of insurance. For full details of the terms, conditions and exclusions of this insurance are provided in the policy contract and will be sent to you upon acceptance of your application by United Overseas Insurance Limited. You may wish to seek advice from a qualified adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a qualified adviser, you should consider carefully whether this product is suitable for you.