Personal Insurance

UniSure Leisure Travel

Frequently Asked Questions

Who is eligible to buy UniSure Leisure Travel Insurance (“UniSure”)?
The eligible applicant must be a Singaporean or Permanent Resident of Singapore. A foreigner who is holding a valid Employment Pass or Work Permit to work in Singapore or has a Dependent Pass or Long Term Visit Pass can also buy UniSure but must be domiciled in Singapore at the time of purchase of UniSure.

What is the definition of ‘Family Plan’ in UniSure?
Family Plan refers to you and/or your spouse with any number of your children travelling together for the entire Trip.

For the Annual Multi-Trip Family Plan, the Child must be accompanied by at least one of the insured adults for any Trip during the Period of Insurance.

Child means a fully dependent child under the age of eighteen (18) years or up to twenty-three (23) years 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.

Is there any age limit?
There is no age limit for applicant to purchase for the Single Trip policy. However for the Child and Adult whose age is seventy (70) years old and above, certain benefit limits will be reduced.

For the Annual Multi-Trip Plan, the maximum enrolment age is sixty-five (65) years old on the date of purchase of this insurance and is renewable up to 70 years old subject to satisfactory underwriting at each policy renewal. Insurance policy renewal is not guaranteed.

When does UniSure commence cover?
For Single Trip Plan, the insurance will commence when the Insured Person leaves his/her place of residence or business in Singapore (whichever is later) to commence the Trip until the time of return to his/her place of residence or business in Singapore or the expiry of the Certificate of Insurance and/or Policy (whichever is the earlier) on completion of the Trip.

Incorrect Period of Insurance will affect the validity of your insurance policy.

Who should enrol for an Annual Multi-Trip policy?
We highly recommend that a frequent traveller takes up an Annual Multi-Trip Policy as it is more cost effective and convenient. The policy is issued for one (1) year where an individual can make unlimited number of Trips to the selected region of travel and the duration for each Trip must not exceed ninety (90) days.

Annual Multi-Trip policy is now available to an Individual or Family. For the Annual Multi-Trip Family Plan, the Child must be accompanied by at least one of the Insured adults for any Trip during the Period of Insurance.

I am travelling to a few countries in one Trip, how do I choose my geographical area?
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.

Do UniSure be offered for one-way journey?
No, we do not provide travel insurance for one-way journey. The Trip must start and end in Singapore within the Period of Insurance.

Can I buy UniSure after a known event such as natural disaster?
Any claims arising from the known event will not be covered unless the policy is bought before the known event which has been widely reported in the media, travel advisory have been issued by the Ministry of Foreign Affair (MFA) and the World Health Organisation (WHO).

Can I buy UniSure after I left Singapore for the Trip?
You must buy UniSure before you leave Singapore. If you purchase UniSure after you leave Singapore, the insurance contract will be void, i.e., there will be no insurance cover totally.

Can I arrange on behalf of my family or friends to buy UniSure?
Yes, you may if you have their authorisation.

What is the mode of payment for online purchase of UniSure?
We accept Amex, MasterCard and VISA credit or debit cards for online purchase.

When do I know if my online application has been successfully made?
Upon completion of the premium payment, a copy of the Certificate of Insurance will be sent to your registered email. If you have provided your mobile phone number during the application, you will also receive a Short Message Service (SMS) text to inform you that your online application is successful.

Will I receive my insurance policy by mail?
You would only receive an email confirmation and SMS text to your designated email and mobile phone.

If you wish to receive the policy documents by mail, please contact us during our business hours.

If I decide to cancel my insurance policy after the online activation for UniSure, can I get a premium refund?
For Single Trip Plan, we will refund the premium paid less a minimum premium of $25 per Insured Person for Individual Plan and $25 per Family Plan. No refund of premium will be made if the Trip has commenced, or any claim is made under the policy issued.

For Annual Multi-Trip Plan, at least thirty (30) days written notice must be provided to UOI and the refund of premium is based on the short period rates stated in the policy, provided no claim is made prior to the policy cancellation.

Any refund of insurance premium will be made to the same card that was used to pay for the insurance premium at the time of purchase.

Who can I contact if I wish to make amendment after the online activation?
You can contact us at 6222 7733 from Monday to Thursday, 8.45am to 5.45pm and Friday, 8.45am to 4.45pm. Alternatively, you may email your enquiry to UOI-Connect@uoi.com.sg

Who do I contact for urgent medical assistance while overseas?
You may contact our service provider ISOS at 65-6337 9126 (24 hours).

How do I file a claim for UniSure?
You may submit your claim online or by completing the claim form and mail to our Claims Handling Agent at:

Broadspire by Crawford & Company
Travel Insurance Claims Department
8 Shenton Way, #03-01
Singapore 068811

You may also submit the completed claim form and all the supporting document via email to travel-uoi@broadspire.asia.

All claim must be submitted within thirty-one (31) days after the expiry of the policy or upon return to Singapore.

What are the supporting documents required?
The documents required will vary according to the policy benefits you wish to claim. You may refer to the checklist when you submit your claim online or the claim form. We may request for further information or documents if necessary.

Can I submit claim for multiple claimants?
Yes, you may submit claims on behalf of other claimants provided all claimants must have the same policy number/certificate number, date of loss, incident and claiming for the same benefit

How do I know if my claim submission have been received by UOI?
If you submit claim online, you will receive an acknowledgement with a claim submission reference number sent to your registered email address upon successful submission.

If you submit the claim via mail, you will receive an acknowledgement within three (3) business days upon receipt of the claim form to your registered email address.

How do I enquire on my claim status?
You may check your claim status by sending an email to travel-uoi@broadspire.asia. Alternatively, you may call our Claims Handling Agent at 6632 8639 during its business hours

How soon can I get my payout?
Upon receipt of all the claims supporting documents or information required, we will process your claim within 2 to 3 weeks.

During travel peak period, we may take longer to process your claim.

How do I get the claim settlement amount pay to me?
You can opt for cheque payment or via bank transfer.

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