UOI Accident Protection

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

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.