United Overseas Insurance Singapore Insurance Plans

United Overseas Insurance (UOI) Singapore – My In-Depth Review of Their Insurance Products for Individuals & Businesses

When talking about long-established insurance providers in Singapore, United Overseas Insurance (UOI) deserves a solid mention. As part of the UOB Group, UOI has been serving Singaporeans since 1971 with a focus on general insurance for both individuals and businesses.

What I like most about UOI is their quiet strength and reputation. They don’t rely on flashy advertising or over-the-top campaigns—instead, they’ve built their reputation on stability, reliability, and practical insurance solutions. Their policies are designed to protect what matters—be it your car, your travels, your business, or your home.

Here’s my full breakdown of all insurance plans available from UOI Singapore, explained in a simple and useful way.

🚗 1. Motor Insurance – Solid Protection for Private and Commercial Vehicles

✅ Private Car Insurance

• Covers:

  • Accidental damage to your vehicle

  • Fire and theft

  • Third-party bodily injury and property damage

• Optional benefits:

  • NCD Protector

  • Windscreen cover

  • Loss of use benefit

  • 24-hour roadside assistance

✅ Commercial Vehicle Insurance

• Covers company-owned vehicles used for goods delivery or transport

• Third-party and comprehensive plans available

Why it's great: Reliable cover with a good balance between premium and protection, especially for careful drivers and business owners.

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✈️ 2. Travel Insurance – Travel With Confidence

✅ Overseas Travel Insurance

• Covers:

  • Medical emergencies while abroad

  • Emergency evacuation and repatriation

  • Trip cancellations and postponements

  • Loss of luggage or travel documents

  • Flight delays and missed connections

Perfect for: Families, solo travellers, or business professionals who want comprehensive but affordable protection while travelling.

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🏠 3. Home Insurance – Protection for Your Property & Possessions

✅ Houseowners & Householders Insurance

• Covers:

  • Fire and water damage

  • Theft and malicious acts

  • Renovation works and home contents

  • Personal liability

  • Loss of rent or alternative accommodation

Best for: Homeowners and tenants looking for basic yet dependable insurance for their residence and belongings.

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🧑‍⚕️ 4. Personal Accident Insurance – Everyday Protection from Unexpected Events

✅ Personal Accident Plan

• Worldwide, 24-hour cover

• Covers:

  • Accidental death and permanent disability

  • Medical expenses reimbursement

  • Hospital cash allowance

  • Funeral and repatriation benefits

Why it helps: Especially valuable for freelancers, workers, students, or anyone wanting protection beyond just hospital bills.

🧳 5. Foreign Domestic Worker Insurance – MOM-Compliant Helper Coverage

✅ Domestic Maid Insurance

• Mandatory cover for foreign domestic workers in Singapore

• Includes:

  • Personal accident protection

  • Hospitalisation and surgical expenses

  • Repatriation and termination benefits

  • Letter of Guarantee to MOM

Why it's useful: Easy to purchase, with a track record of fast claims for employers.

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🏥 6. Health & Hospitalisation (Limited)

While UOI does not offer integrated Shield plans, they provide some medical coverage through accident or group plans:

• Basic reimbursement under Personal Accident

• Group Medical Insurance options for SMEs and corporations

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🏢 7. Commercial & Corporate Insurance – Tailored Protection for Businesses

UOI is particularly strong in business risk protection, offering flexible, scalable plans for SMEs, corporates, and organisations across industries.

✅ Work Injury Compensation Insurance (WICA)

• MOM-compliant

• Covers:

  • Work-related injuries

  • Hospital bills

  • Wage replacement

  • Death or permanent disability payouts

✅ Business Interruption Insurance

• Provides financial cover if your business operations are interrupted due to fire or other insured events

✅ Fire & Property Insurance

• Protects business premises, fixtures, stock, and equipment from fire and other perils

✅ Burglary Insurance

• Covers theft by forcible entry into insured premises

✅ Public Liability Insurance

• Protects against claims from third parties for injury or property damage

✅ Marine Cargo Insurance

• For businesses dealing in logistics and trade

• Covers goods in transit via sea, land, or air

✅ Contractor’s All Risks Insurance

• Designed for construction and infrastructure projects

• Covers project materials, equipment, and third-party liabilities

✅ Fidelity Guarantee Insurance

• Covers dishonest acts or fraud committed by employees

✅ Professional Indemnity Insurance

• Covers legal liabilities from professional errors, omissions, or negligence

• Ideal for lawyers, consultants, engineers, and architects

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📱 Highlights of UOI Singapore

• Strong financial backing from United Overseas Bank (UOB)

• Known for responsive claims processing

• Competitive premiums for both personal and business insurance

• Solid reputation built over five decades in Singapore

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✨ Final Thoughts – Why I Respect UOI as a Practical, No-Hype Insurer

For those of us who value function over flash, United Overseas Insurance (UOI) is a fantastic option. They may not push out trendy plans or mobile-first platforms like some newer insurers, but what they offer is rock-solid protection, efficient claims, and trustworthy service.

If you're a driver, homeowner, frequent traveller, or SME business owner, UOI has a plan that quietly gets the job done—and that’s something I truly value in today’s noisy insurance market.

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🔗 Official Website: https://www.uoi.com.sg