Benefits
Extensive coverage
Receive essential coverage before and during your trip; from trip cancellations, accidents, to serious illness (including COVID-19) and food poisoning medical expenses^.
^Exclusions apply.
Daily stay allowance
Receive financial relief if you are hospitalised due to accident or serious illness (including COVID-19).
Disinfecting house expenses
Receive reimbursement of up to S$500 per household.
Coverage
Before your trip
| Coverage | COVID-19 coverage | Individual plan# | Family plan# | |
| 1 | Trip cancellation | Yes | S$500 | S$1,500 (per family) |
| 2 | Daily stay allowance (up to 7 days) Due to COVID-19 illness (fully vaccinated) S$100 per day up to 7 days |
Yes | S$700 | |
| 3 | Daily stay allowance (up to 7 days) Due to accident or serious illness S$50 per day up to 7 days |
Yes | S$350 | |
| #Maximum limit per insured person unless otherwise stated | ||||
During your trip
| Coverage | COVID-19 coverage | Individual plan# | Family plan# | |
| 1 | Trip cancellation | Yes | S$500 | S$1,500 (per family) |
| 2 | Medical expenses Due to accident & Food Poisoning only |
S$500 | S$1,500 (per family) | |
| 3 | Daily stay allowance S$50 per day up to 14 days |
Yes | S$700 | |
| 4 | Recuperation benefit Minimum hospitalization period: 5 days |
Yes | S$100 | |
| 5 | Disinfecting house expenses (per household) |
Yes | S$500 | |
| #Maximum limit per insured person unless otherwise stated | ||||
Others
| Coverage | COVID-19 coverage | Individual plan# | Family plan# | |
| 1 | Eligible age | 1 - 80 years old | ||
| #Maximum limit per insured person unless otherwise stated | ||||
Frequently asked questions
What is the age eligibility for InsureStaycay?
Applicants aged 1 to 80 years old are eligible to purchase this travel insurance.
I perform an Antigen Rapid Test (ART) before my trip and the result is “Positive”. I have to cancel my trip. Will InsureStaycay cover my trip expenses?
Yes, InsureStaycay will provide a reimbursement of the irrecoverable expenses if your trip is cancelled as a result of a positive COVID-19 diagnosis.
The cover is effective only if the travel insurance is purchased before you become aware of any circumstances which could lead to the cancellation of the trip and the occurrence of any of the insured events must happen seven (7) days prior to the commencement of the trip. Please note that InsureStaycay does not cover any costs associated with test kits.
Besides trip expenses, what other insurance benefits will InsureStaycay cover me if I contract COVID-19?
If you are fully vaccinated but still diagnosed with COVID-19 and required to be admitted to the hospital, community care facility or community recovery facility for treatment, InsureStaycay will pay you S$100 per day, up to seven (7) days for each complete day stay. The COVID-19 diagnosis must be done at least seven (7) days before the commencement of your trip.
We will also pay you a lump sum benefit of S$100 upon your discharge from the facility, subject to minimum of five (5) days for treatment.
In addition, we will reimburse up to S$500 for the expenses incurred to engage a licensed contractor to disinfect your house.
Please refer to the policy contract for more information.
Can I still apply if I have just recovered from COVID-19?
Yes, you can still apply for InsureStaycay as COVID-19 is not considered as a Pre-existing condition.
I came down with food poisoning after consuming my buffet dinner in the hotel. Will my medical expenses be covered?
Yes, InsureStaycay will reimburse you for the medical expenses incurred within forty-eight (48) hours from the date of the incident that gave rise to the food poisoning occurred during your trip.
Please refer to the policy contract for more information.
Can I purchase InsureStaycay for my family or friends?
Yes, you may. Please ensure you have their consent before purchase and to inform them upon successful purchase of this travel insurance.
When does InsureStaycay cover commence?
The insurance commences when you leave your place of residence or business in Singapore (whichever is the later) and ends at the time of return to your residence or business in Singapore or expiry of the Certificate of Insurance/ Schedule (whichever is the earlier).
Trip Cancellation starts seven (7) days prior the commencement of the trip.
If I cancel my InsureStaycay policy, can I get a premium refund?
There is no refund of insurance premium paid once the Certificate of Insurance and/or Schedule is issued and premium charged.
How can I make a claim?
You may contact our Claims Division at 6222 7733 during UOI business hours. We will advise you on the claim procedure depending on the type of claims.
UOI’s 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 and disclaimers
InsureStaycay Promotion Terms and Conditions
View promotion terms and conditions here
Important notice and disclaimers
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 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. United Overseas Bank Limited ("UOB") does not hold itself out to be an insurer or insurance broker. The insurance products and services stated herein are provided by UOI.
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).
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