Personal Accident Insurance
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United Personal Accident Insurance provides for payment of benefits for accidental death, disablement or medical expense resulting from an accident. This Policy is operative 24 hours a day, worldwide and during the period of insurance.

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 original 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 aged between 18 and 70. The maximum enrolment age is 50 years old.

Table of Benefits & Premiums
Scope of cover	Plan 1	Plan 2
Accidental Death	S$100,000	S$250,000
Permanent Disablement (subject to Scale I, up to maximum respective sum insured)	Up to S$100,000	Up to S$250,000
It pays the following percentage of the amount of benefits

Permanent Total Disablement from gainful employment of any and every kind	100%
Loss of one or more limbs	100%
Loss of one or both eyes	100%
Loss of a len of one eye or loss of sight of one eye except the perception of light	50%
Loss of hearing
- Both Ears	75%
- One Ear	15%
Loss of speech	75%
Removal of lower jaw by surgical operation	50%
Loss of thumb
- Both phalanges	25%
- One phalanx	10%
Loss of an index finger
- Three phalanx	10%
- Two phalanges	8%
- One phalanges	4%
Loss of other fingers
- Three phalanges	6%
- Two phalanges	4%
- One phalanx	2%
Loss of big toe
- Both phalanges	10%
- One phalanx	5%
Loss of each other toe	2%
Medical Expenses (any one accident)	S$5,000	S$10,000
Annual Premium (subject to 7% GST)	*S$130	*S$300

* The above terms are applicable to Class I occupations only. That is, professional or administrative duties of a sedentary nature. For example, Accountant, Bank Officers, Clerk, Doctor, Lawyer, Shopkeepers engaging in light work only and not using machinery.
If your occupation is not of this nature, please contact us at 6396 0880 for a quotation.
The above is a brief explanation of the coverage and not a contract of insurance. The specific details applicable to this insurance are set out in the Policy which is the operative document. Terms, Conditions and Exclusions of the policy apply. You should seek advice from a qualified advisor if in doubt.

Free Extensions
• 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)

Major Exclusions
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:
(a) All forms of professional sports
(b) Racing or any kind (other than on foot) or trial of speed or reliability
(c) Mountaineering or rock or cliff climbing necessitating the use of ropes or guides
(d) 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
(e) Flying except Air Travel^
(f) Hang gliding
(g) Parachuting
(h) 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 .

Download the brochure (PDF: 565KB) for product details.

For a new policy issued to you, you can enjoy a "Free Look" period of at least 14-business day from the date you receive the policy document. Should you decide not to continue with the insurance purchased, you can cancel your cover within this period and get all your money back, if you have not made a claim. However, the "Free Look" period will not apply to policy with term of less than a year.

To apply:
• Call us at 6396 0880 during business hours
• Download an Application Form (PDF: 46KB). Complete and return the Application Form to us via fax at 6293 6388 or mail to 390 Victoria Street #01-30 Golden Landmark Singapore 188061

Alternatively, you may email your enquiry to us for follow up.