InsureHealth is a hospitalisation income insurance plan that can complement your existing medical insurance plans with daily cash benefits and reimbursement of ambulance service charges in the event you are hospitalised.
Payout of up to S$300 per day on top of your existing hospitalisation and medical insurance coverage. This payout is doubled should you be admitted to an Intensive Care Unit (ICU)
Daily cash benefits even if hospitalisation occurs overseas
Lump sum payout of up to S$500 upon discharge from a hospital stay of
5 days or more
No medical examination required
Find out what each plan covers in the section below.
Maximum Limit Per Plan
Reimbursement per accident or illness
Capped at S$200
Capped at S$200
Capped at S$200
*Inclusive of 7% GST and for age group of 18 to 29 years old. Annual premium shall be increased as and when the age of the Insured Person falls into the next age group.
+No benefit will be payable in the event of hospitalisation due to any illness during the waiting period.
Please refer to the Policy Wording for the full details of the terms, conditions and exclusions of this insurance plan.
Singapore residents between the ages of 18 and 59 years old can apply for InsureHealth.
For dependent child(ren) between the ages of 6 months and 18 years old, the parent/legal guardian must be the proposer. The age of dependent child(ren) may be extended to up to 25 years old if the child is studying full-time in a recognised institution of higher learning and is not married nor in employment.
Singapore residents refer to Singapore citizens, Singapore permanent residents or holders of a valid work permit, Employment Pass, S Pass, Long-Term Visit Pass or Dependant's Pass issued by the authorities in Singapore.
No medical check-up is required during the application process.
Yes, InsureHealth pays on top of your existing insurance policies, including your company's insurance coverage and MediShield.
You will only be covered for hospitalisation due to illnesses 30 days after the policy has commenced.
Please contact United Overseas Insurance (UOI) at 6222 7733 to make arrangement.
Yes, you will be covered for the applicable benefits if you are hospitalised due to infectious diseases, including COVID-19, 30 days after the policy has commenced.
No, you will not be covered for the applicable benefits if you are hospitalised due to cosmetic, elective, dental disease or dental care surgery.
No, you will not be covered if you are hospitalised due to pre-existing conditions.
Pre-existing conditions refer to any illness, condition, manifestation or symptom:
No, it is limited to ambulance service charges incurred in Singapore.
This insurance payout is based on the number of days the hospital stay lasted for; therefore, the Policy will pay a Daily Hospital Cash Benefit of S$100 x 4 = S$400 for the Classic Plan.
If the hospital stay is less than 5 days, there will not be any payout under the "Post-Hospitalisation Allowance".
You will receive a total of S$700 in cash benefits.
Yes, you will be covered if you are hospitalised due to accident or illness while you are abroad.
Your premium will increase with your age. The premium you are currently paying is not guaranteed and may be adjusted based on UOI's review of this policy.
Please send the completed claim form and supporting documents to UOI within 30 days of hospitalisation.
Upon receipt of all the relevant supporting documents, it will typically take ten (10) working days to complete the claim assessment.
You can only submit a claim for the ICU cash benefit, and not both cash benefits, in this instance.
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, insurance broker or insurance agent. The insurance products and services stated herein are provided by UOI.
This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your insurance 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 or SDIC websites. ( www.gia.org.sg or www.sdic.org.sg).
United Overseas Bank Limited Co. Reg. No.193500026Z
United Overseas Insurance Limited Co. Reg. No. 197100152R