Protect yourself and your loved ones against accidents, dengue fever and more
InsureCare is a personal accident insurance plan that complements your existing medical or hospitalisation insurance. Our coverage spans across all major age groups; from juniors to adults and up to seniors.
Benefits
Comprehensive coverage
24/7 worldwide coverage for accidental death or injuries.
Free extension coverage
Covers dengue fever, hand-foot-mouth disease and more.
Hassle-free online application
Get covered within minutes.
Complimentary child cover
Enjoy free protection for your child# when both you and your spouse sign up for an Adult plan at the same time.
Adult coverage
18 to 60 years old
| Maximum limit per insured person | Essential plan From S$127.33+ |
Deluxe plan From S$245.50+ |
| • Accidental death | S$75,000 | S$150,000 |
| • Accidental death whilst on scheduled public conveyance | S$150,000 | S$300,000 |
| • Permanent disability | Up to S$75,000 | Up to S$150,000 |
| • Bereavement benefit | S$5,000 | S$5,000 |
| • Medical and surgical expenses | Up to S$2,000 (per accident) | Up to S$3,500 (per accident) |
| • Sub-limit: traditional chinese medicine / chiropractic treatment | S$50 per visit, Up to S$500 | S$100 per visit, Up to S$1,000 |
| • Extension: cover treatment for infectious disease | Covered | Covered |
| • Income aid – up to 104 weeks per accident limit per week | S$150 | S$300 |
| • Mobility aids (include prosthesis, hearing aid) / Home modification | Up to S$5,000 | Up to S$10,000 |
| Complimentary child coverage# | ||
| • Child education fund | S$25,000 | S$50,000 |
| • Accidental Death (AD) – 10% of parent’s sum insured | S$7,500 | S$15,000 |
| • Permanent disablement – 10% of parent’s sum insured | Up to S$7,500 | Up to S$15,000 |
| • Medical and surgical expenses (per accident) – 10% of parent’s sum insured | Up to S$200 | Up to S$350 |
| Please refer to the policy wording for the exclusions and the benefit sub-limits for each type of content. | ||
Senior coverage
55 to 70 years old
| Maximum limit per insured person | Essential plan From S$90.67+ |
Deluxe plan From S$158.91+ |
| • Accidential death | S$30,000 | S$50,000 |
| • Permanent disability | Up to S$60,000 | Up to S$100,000 |
| • Bereavement benefit | S$7,500 | S$7,500 |
| • Medical and surgical expenses | Up to S$1,000 per accident | Up to S$2,000 per accident |
| • Sub-limit: traditional chinese medicine / chiropractic treatment | S$50 per visit, Up to S$500 | S$100 per visit, Up to S$1,000 |
| • Extension: cover treatment for infectious disease | Covered | Covered |
| • Living support allowance – up to 104 weeks per accident limit per week | S$250 | S$500 |
| • Mobility aids (include prosthesis, hearing aid) / Home modification | Up to S$10,000 | Up to S$15,000 |
| • Maid recruitment fees | Up to S$1,000 | Up to S$1,000 |
| • Home nursing care – up to 12 weeks per accident limit per week | S$250 | S$50,000 |
| Please refer to the policy wording for the exclusions and the benefit sub-limits for each type of content. | ||
Junior coverage
2 months to 19 years old
| Maximum limit per insured person | Essential plan From S$50.94+ |
Deluxe plan From S$114.09+ |
| • Accidential death | S$10,000 | S$30,000 |
| • Permanent disability | Up to S$20,000 | Up to S$60,000 |
| • Bereavement benefit | S$5,000 | S$5,000 |
| • Medical and surgical expenses | Up to S$500 per accident | Up to S$1,000 per accident |
| • Sub-limit: traditional chinese medicine / chiropractic treatment | S$50 per visit, Up to S$500 | S$100 per visit, Up to S$1,000 |
| • Extension: cover treatment for infectious disease | Covered | Covered |
| • Fracture and dislocations | S$50 per accident, up to 3 accidents per policy year | S$100 per accident, up to 3 accidents per policy year |
| • Living support allowance – up to 104 weeks per accident limit per week | S$300 | S$600 |
| • Mobility aids (include prosthesis, hearing aid) / Home modification | Up to S$5,000 | Up to S$10,000 |
| Please refer to the policy wording for the exclusions and the benefit sub-limits for each type of content. | ||
Get the coverage you need now
- Get the coverage you need to protect yourself and your loved ones.
| Get the coverage you need to protect yourself and your loved ones. | ||
| Adult | Senior | Junior |
| 18 to 60 years old1 Buy now |
55 to 70 years old2 Buy now |
2 months to 19 years old Buy now |
| 1For applicant aged 55 and above, you have an option to purchase senior plan. Please refer to coverage benefits for details. 2For applicant aged 60 and below, you have an option to purchase adult plan. Please refer to coverage benefits for details. |
||
Frequently asked questions
General
- Who is eligible to apply for InsureHealth?
Adult Plan:
Singaporeans, Permanent Residents or foreigners who are residents of Singapore holding valid Employment Pass, Work Permit or Dependent Pass issued by the authorities in Singapore are eligible.
The enrolment age is 18 to 60 years old and renewable up to 65 years old.
Junior Plan:
Singaporeans, Permanent Residents or foreigners who are residents of Singapore holding valid Employment Pass or Work Permit issued by the authorities in Singapore are eligible to apply for their child.
The enrolment age for the child is 2 months to 19 years old and renewable up to 21 years old, provided the child is still fully a dependant.
Senior Plan:
Singaporeans, Permanent Residents or foreigners who are residents of Singapore holding valid Employment Pass, Work Permit or Dependent Pass issued by the authorities in Singapore are eligible.
The enrolment age is 55 to 70 years old and renewable up to 80 years old. - Will InsureCare cover me if I am overseas?
Yes, InsureCare provides worldwide coverage, which means you will be covered if you meet with an accident even while you are overseas. - Do I need to undergo a medical check-up to purchase InsureCare?
No medical check-up is required.
Coverage
- How does InsureCare define 'Accident'?
'Accident' is defined as a sudden, unforeseen or fortuitous event. - Does InsureCare pay on top of other insurance policies I have?
Yes, InsureCare pays for Personal Accident benefits on top of your existing insurance policies, including your company's insurance coverage. - Will I be covered if I'm hospitalised due to to dengue fever, Hand, Foot & Mouth Disease?
Yes, you will be covered for the applicable benefits if you are hospitalised due to dengue fever, Hand, Foot & Mouth Disease. There will be a waiting period of fourteen (14) days after the policy is incepted during which coverage does not apply. - Is COVID-19 on the list of infectious diseases covered?
InsureCare does not cover any claim related to COVID-19. For the full list of Infectious Diseases, please refer to the Policy Wording. - How do I qualify for the complimentary coverage for my child under InsureCare – Adult?
Both parents (the Insured Person and his/her spouse) will need to purchase InsureCare - Adult at the same time to enjoy the complimentary coverage for Child.
Claims
- How do I make a claim?
Please complete the claim form with the relevant supporting documents within thirty (30) days from the date of accident.
Upon receipt of all the relevant supporting documents, it will typically take ten (10) working days to complete the claim assessment.
For further assistance, please contact our Claims Division at 6222 7733 during UOI business hours.
Monday to Thursday: 8:45am to 5:45pm
Friday: 8.45am to 4.45pm
Closed on weekends and public holidays.
Important information
Important Notice & Disclaimers
Important notes
The above is provided for general information only and is not a contract of insurance. Full details of the terms, conditions and exclusions of this insurance are provided in the policy contract and will be sent to you upon acceptance of your application by United Overseas Insurance Limited (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. UOB does not hold itself out to be an insurer or insurance broker. The insurance products and services stated herein are provided by UOI.
United Overseas Bank Limited Co. Reg. No.193500026Z
United Overseas Insurance Limited Co. Reg. No. 197100152R
Policy Owners’ Protection Scheme
These policies are protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for these policies are 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 General Insurance Association (GIA) or SDIC websites (www.gia.org.sg or www.sdic.org.sg).
InsureCare Promotion Terms and Conditions
View Promotion Terms and Conditions
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