United Overseas Insurance

Table of Benefits and Premiums (Valid from 1^st January 2012)
Cover	Maximum Limit (S$) Per Insured Person
Cover	Gold	Silver
1. Accidental Death and Permanent Disablement a) Adult below 70 years old b) Adult 70 years old and above c) Child as Defined	250,000 125,000 50,000	150,000 75,000 25,000
2. Scheduled Public Conveyance Double Indemnity ^New a) Adult below 70 years old b) Adult 70 years old and above c) Child as Defined	500,000 No Cover 100,000	300,000 No Cover 50,000
3. Medical, Dental and Other Expenses Incurred Overseas^Enhanced a) Adult below 70 years old b) Adult 70 years old and above (limit inclusive for Emergency Medical Evacuation and Repatriation) c) Child as Defined	500,000 150,000 250,000	250,000 75,000 125,000
4. Follow-up Medical Expenses Incurred Upon Return to Singapore ^Enhanced Sub-limit for Hospital Confinement Allowance in Singapore - S$100 each complete day	30,000 1,000	15,000 500
5. Traditional Chinese Medicine Expenses	300	200
6. Emergency Mobile Phone Charges	200	100
7. Hospital Confinement Allowance While Overseas Limit per person for each complete day	10,000 200	5,000 100
8. Emergency Medical Evacuation and Repatriation a) Adult below 70 years old b) Adult 70 years old and above (limit inclusive for Medical, Dental and Other Expenses Incurred Overseas) c) Child as Defined	Unlimited 150,000 Unlimited	Unlimited 75,000 Unlimited
9. Repatriation Expenses for Mortal Remains	Unlimited	Unlimited
10. Compassionate Visit by a Relative or Friend	5,000	3,000
11. Child Help	5,000	3,000
12. Loss of Deposit or Cancellation ^Enhanced Sub-limit for Trip Postponement Sub-limit for Cancellation due to bankruptcy or insolvency of travel agency	10,000 1,000 5,000	5,000 500 2500
13. Flight Deviation Limit for each full 6 consecutive hours	1,000 100	1,000 100
14. Trip Curtailment ^Enhanced	10,000	5,000
15. Travel Delay Limit for each full 6 consecutive hours	1,000 100	500 100
16. Travel Misconnection	200	100
17. Overbooked Scheduled Public Conveyance	100	100
18. Baggage & Personal Effects Limited per set or pair of article	5,000 800	3,000 800
19. Baggage Delay Limit for each full 6 consecutive hours of delay while overseas Limit for each full 6 consecutive hours of delay upon return to Singapore	1,000 200 100	500 100 50
20. Personal Money & Travel Documents Sub-limit for Personal Money	5,000 500	3,000 300
21. Credit Card Indemnity ^Enhanced	1,000	500
22. Personal Liability	1,000,000	500,000
23. Hijacking^Enhanced Limit for each full 6 consecutive hours	5,000 250	3,000 250
24. HomeSure (per household) Sub-limit for burglary	5,000 1,000	3,000 500
25. Rental Vechicle Excess	500	No Cover
26. Terrorism Cover all Sections up to the maximum benefit amount, excluding nuclear, chemical and biological terrorism	Yes	Yes

The above is provided for general information only and is not a contract of insurance. Full details of the terms, conditions and exclusions of the insurance are provided in the policy contract and will be sent to you upon acceptance of your application by United Overseas Insurance Limited ("UOI").

You may wish to seek advice from a qualified advisor 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.

PREMIUM (S$)

ASEAN	Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar Philippines, Thailand and Vietnam
Trip Duration	Gold Plan	Silver Plan
Trip Duration	Individual Only	Individual	Family
1 - 3 days	34	25	63
4 - 6 days	38	31	78
7 - 10 days	55	38	95
11 - 14 days	71	52	130
15 - 18 days	87	64	160
19 - 22 days	99	75	188
23 - 27 days	108	87	218
28 - 31 days	120	92	230
Each additional week or part	23	20	50
Annual Multi-Trip	Not Available	Not Available	Not Available


ASIA	Australia, Bhutan, China, Hong Kong, India, Japan, Korea, Macau, Mongolia, Nepal, New Zealand, Pakistan Papua New Guinea, Sri Lanka, Taiwan and Tibet and ASEAN countries.
Trip Duration	Gold Plan	Silver Plan
Trip Duration	Individual Only	Individual	Family
1 - 3 days	44	30	75
4 - 6 days	54	38	95
7 - 10 days	74	49	123
11 - 14 days	90	65	163
15 - 18 days	104	76	190
19 - 22 days	115	86	215
23 - 27 days	132	101	253
28 - 31 days	140	106	265
Each additional week or part	30	23	58
Annual Multi-Trip	318	Not Available	Not Available

WORLDWIDE	Anywhere in the world
Trip Duration	Gold Plan	Silver Plan
Trip Duration	Individual Only	Individual	Family
1 - 3 days	63	48	120
4 - 6 days	80	62	155
7 - 10 days	92	76	190
11 - 14 days	118	99	248
15 - 18 days	138	112	280
19 - 22 days	155	135	338
23 - 27 days	170	154	385
28 - 31 days	184	160	400
Each additional week or part	37	27	68
Annual Multi-Trip	418	Not Available	Not Available

Important Details Eligibility for Cover
•	Singapore Citizens, Permanent Residents of Singapore, Employment Pass/Work Permit/Dependent Pass/ Student Pass Holders
•	The Insured Person must be domiciled in Singapore
•	The trip must not be for the purpose of seeking medical treatment
•	Child means a fully dependent child under the age of eighteen (18) years old or up to twenty-three (23) years old who is studying full-time in a recognised institution of higher learning and is not married nor in employment at the time of purchase of this Certificate of Insurance and/or Policy.
•	Family refers to you and your spouse with any number of dependent Child
•	Annual Multi-Trip plan is not available for Child
•	Maximum enrolment age for Annual Multi-Trip plan is 60 years old

Commencement of Cover now!
•	All trips must start and end in Singapore
•	Cover must be incepted before commencement of trip from Singapore

Maximum Duration of Trip(s)
•	Single Trip: up to 185 days
•	Annual Multi-Trip: Multi-trips, subject to maximum 90 days per trip

Premium Discount for Child

25% off premiums for all Single Trips for Gold and Silver Plans, provided the Child is travelling with an insured adult for the entire trip

Calculation of Premium

If the same trip involves travel to a few countries and to different zones, the premium to be charged shall be based on the furthest zone.

Refund and Cancellation Policy

No refund of premium is allowed for the Single Trip Plan once the Certificate of Insurance and/or Policy has been issued.

Main Exclusions
1.	War and kindred risks and government acts
2.	Nuclear/Chemical/ Biological Terrorism Exclusion (LSW 1176)
3.	Nuclear hazards
4.	Self-inflicted injury or illness
5.	AIDS or AIDS related Illnesses
6.	Pre-existing medical conditions
7.	Pregnancy including childbirth, caesarean operation, abortion, miscarriage (and all complications thereon) except miscarriage due to an accident.
For the full list of Exclusions, you can request a copy of the specimen Policy from UOI.

Policy Owners� Protection Scheme
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 your insurer or visit the GIA / LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)

Obtain a no obligation quote now!

To apply:
• Activate Online
• Call us at 6222 7733 during business hours
• Download the Application Form (PDF: 46KB). Complete and return the Application Form to us via fax at 6327 3869 or mail to 3 Anson Road #28-01 Springleaf Tower, Singapore 079909.