UOI Accident Protection

UOI Accident Protection

To provide financial protection for yourself or your family in the event of an accident. This insurance protection covers you 24 hours a day and everywhere you go.

Key Benefits


Free Automatic Increase in Benefit

The sum insured for accidental death benefit increases 5% each year (up to 5 years)

Medical Coverage

Get covered for Accidental Death, Permanent Disablement and Medical Expenses

Provides you with 24-hour insurance protection worldwide

Hassle Free Enrollment

No Medical Check-up required for you to enrol

Hassle Free Enrolment

Ready to Apply? Complete your application in just 5 minutes.

Ready to Apply?
Complete your application in just 5 minutes.


    ** The below terms are applicable to Class I occupations only. That is, professional or administrative duties of a sedentary nature.
    For example, Accountant, Bank Officers, Clerk, Doctor, Lawyer, Shopkeepers engaging in light work only and not using machinery.

    If your occupation is not of this nature, please contact us for a quotation. Depending on the Plan you choose, this insurance policy provides:

    View Policy Contract

    View Product Brochure

    View Application Form

    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 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 the product is suitable for you.

    To find out more about this product, please contact us at 6222 7733 or email us your enquiry to us for follow up.
    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 or SDIC websites (www.gia.org.sg or www.sdic.org.sg).

    Useful Information

    Accidental Death and/or Permanent Disablement

    A lump sum benefit in the event of accidental death or a lump sum benefit in the event of permanent disablement due to an accident subject to Schedule of benefits as stated in the policy.

    Reimbursement on indemnity basis up to the amount stated in the policy for medical expenses necessarily incurred in the treatment due to an accident.

    If there is no claim, you will enjoy Free Automatic Increase in Benefit. The sum insured in respect of accidental death and permanent disablement will increase by 5% on the first year's sum insured on each renewal year up to a maximum increase of 25% on the first year’s sum insured.

    This policy is available for most people above eighteen (18) years old. The maximum enrolment age is sixty (60) years old.

    • Drowning and suffocation by smoke or poisonous fumes
    • Unprovoked murder and assault
    • Reservist training within the Republic of Singapore
    • Motorcycling or scootering (whether as rider or pillion rider)

    This insurance generally does not cover pre-existing physical or mental defects, pregnancy, self-exposure to needless perils, drugs, suicide, war and terrorism risks or any of the following activities:

    • All forms of professional sports
    • Racing or any kind (other than on foot) or trial of speed or reliability
    • Mountaineering or rock or cliff climbing necessitating the use of ropes or guides
    • Military, Naval, Air Force or Other Armed Forces Services except while the Insured Person is participating in National Reservist Training during normal peace time only
    • Flying except Air Travel^
    • Hang gliding
    • Parachuting
    • Winter Sports

    ^ Air Travel shall mean mounting into travelling in or dismounting from any fully licensed passenger carrying aircraft as a passenger, but not as a member of crew, nor for the purpose of engaging in any trade or technical operation in or on the aircraft.

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

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