United Overseas Bank
Personal Insurance
 
 

The below 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 UOI. 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.

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).

To find out more about these products, please contact us at 1800 221 6588. Alternatively, you may email your enquiry to us for follow up.

HospitalCare Plan

This insurance provides a daily cash benefit to the insured in the event he or she is necessarily confined within a Hospital not less than twenty-four (24) hours as a resident due to an accident or illness. The daily hospital income benefit will be doubled if hospitalization is in intensive care unit. The insured can also claim for day surgery expenses incurred due to an accident.

A yearly no-claim bonus of 20% of the total premium paid without interest will be refunded, provided no loss of any kind have occurred within the said Policy Year period.

CriticalCare Plan

This insurance provides a lump sum benefit and a refund of all premiums paid if the insured is diagnosed with any of the twenty-nine (29) Critical Conditions mentioned in this insurance policy. The policy will also pay a monthly family income benefit as a result of the first diagnosis of critical condition. During the waiting period, a daily hospital income will be payable for hospitalization as a result of the first diagnosis of blindness, coma, deafness, major burns, paralysis.

A yearly no-claim bonus of 20% of the total premium paid without interest will be refunded, provided no loss of any kind have occurred within the said Policy Year period.

Accident Income Plan

This insurance provides a lump sum benefit and a refund of all premiums paid in the event of an accident resulting in death or permanent disablement. A higher sum insured will be payable if the accident occurs overseas or as a result of earthquake, typhoon, tsunami, volcanic eruption, hailstorm or blizzard.

The insured can also claim for the medical expenses incurred as a result of an accident includes expenses for Traditional Chinese Medical (TCM) treatment. A survivor benefit will be payable to each immediate family member in the event of accidental death or permanent total disability of the insured.

Enhanced Hospital Income Plan

This insurance provides a in-hospital daily cash and recovery care benefit to the insured in the event he or she is necessarily confined within a Hospital not less than twenty-four (24) hours as a resident due to an accident or illness. This policy will also pay an enhanced income benefit for hospitalization that is at least 6 hours but not more than twenty-four (24) hours.

The insured can also claim for the TCM expenses incurred as a result of an accident following hospitalization in respect of the same accident. The amount of in-hospital daily cash benefit shall be increased by 10% (based on the inception sum insured) on each policy anniversary, up to a maximum limit of 100% of the amount of in-hospital daily cash benefit at policy inception.