Personal Insurance

One certainty in life is that the unexpected may happen anytime. Here, we understand this very well and have put together a range of personal insurance products for you. Our products are designed to meet your different insurance needs – travel, personal accident, home protection, domestic helper and motor.

Accident Protection Insurance

United Personal Accident Insurance is crafted to provide a financial protection for yourself or your family in the event of an accident. This insurance protection covers you everywhere you go and is twenty-four (24) hours operative.

Depending on the Plan you choose, this insurance policy provides:

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.

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

Special Feature
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.

Age Limit
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.

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).

InsureHome Insurance

InsureHome is an insurance package designed to protect your assets within your residential premises arising from any unforeseen and sudden physical loss or damage from any cause other than those specifically excluded.

How precious is your home? You have spent much time, money and effort to set up your home so it is important that you protect it against any eventuality.

InsureHome is an insurance package designed to protect your assets within your residential premises arising from any unforeseen and sudden physical loss or damage from any cause other than those specifically excluded.

There are also additional insurance benefits provided by this package insurance such as home emergency assistance at no additional cost. What’s more, save up to 20% premium if you purchase a 3-year plan!

For new policy issued to you, we will give you a “Free Look” period of fourteen (14) business days from the date you receive the policy document. Should you decide not to continue with the insurance purchased, you may return the original policy document to us or intermediary within this period and we will refund your premium in full, if you have not made a claim. The policy document is deemed to have been received by you three (3) days after we have dispatched it. The “Free Look” period will not apply to policies with a term of less than one (1) year. It will also not apply to policy renewals.

Motor Insurance

Want to drive with greater peace of mind? A safe driving experience on the road is sometime not within your control. United Motor Insurance provides coverage to you as the vehicle owner and also your legal liability to other road users.

Want to drive with greater peace of mind? A safe driving experience on the road is sometime not within your control. United Motor Insurance provides coverage to you as the vehicle owner and also your legal liability to other road users.

There are three (3) types of different coverage. Choose a cover that meets your requirement.

Domestic Helper Insurance

The United Foreign Domestic Worker Insurance is a package insurance plan that meets the new requirements set by the Ministry of Manpower (MOM). There are also other insurance benefits provided to you and your foreign domestic worker.

Are you employing a new foreign domestic helper or renewing your foreign domestic helper’s work permit?

The United Foreign Domestic Worker Insurance is a package insurance plan that meets the new requirements set by the Ministry of Manpower (MOM). There are also other insurance benefits provided to you and your foreign domestic worker.