UOB

Underwritten by United Overseas Bank (M) Bhd.

UOB Ideal Lifestyle Protection Plan

Stay protected around the clock from personal injury and accidents! Enjoy auto-renewals on your policy each year, and up to 50% increase on your accidental death benefits.

    • Up to RM300k Accidental Death Benefit
    • Up to RM300k TPD Benefit

Features

What makes this insurance policy stand out?

  • Cover Type
    for individual
  • Maximum Entry Age
    protection up to 70 years of age
  • Renewal Bonus
    10% increase of sum assured up to 50%

Coverage

How much you can claim for UOB Ideal Lifestyle Protection Plan

  • Accidental Death
    The coverage amount paid to your closest family members if you die in an accident.
    from RM100000 up to RM300000
  • Permanent Disablement
    Cash payout following an accident if you can't work any longer or perform day to day tasks.
    from RM100000 up to RM300000
  • Temporary Total Disablement
    Cash compensation if you are unable to work temporarily because of total disability.
    Not Covered
  • Medical Expenses
    What's covered for your medical treatment and services if you're involved in an accident.
    Not Covered
    • Dental And Cosmetic Surgery
      Total cover for dental treatment and reconstructive surgery for injuries that are accident related.
      from RM3000 up to RM5000
    • Repatriation
      Total expenses to transport your body or ashes back to Malaysia if you pass away while overseas.
      from RM3000
    • Funeral Expenses
      What your insurer will cover for your funeral if you pass away in an accident
      from RM5000 up to RM7000
    • Hospital Allowance
      This is a cash benefit if you're admitted to the hospital due to an accident.
      from RM150 up to RM250 each day, up to 180 days
    • Alternative Medical Treatment
      In case you'd prefer to seek treatment from a registered traditional medicine practitioner.
      from RM5000 Max of RM250 per accident
    • Rehabilitation Benefit
      Extra reimbursement to help cover some of the costs while you recover.
      from RM1000 If hospitalised for more than 7 consecutive days
    • Travel Expenses
      Travel reimbursement for family members to visit you while in the hospital.
      from RM1500
View more coverage details +

Premiums

How much your premiums may cost

  • Fresh Graduate

    Fresh to the workforce, Aliyah won't let a tight budget stop her from getting the protection plan she deserves while she commutes regularly.

    Suggested PremiumRM170
    Get Quote
  • Business Traveller

    Now that he's traveling more often than he sits down to work, Chong Meng wants the best personal accident insurance that's available.

    Suggested PremiumRM450
    Get Quote
  • Assembly Line Worker

    Bharathy can't wait to get extra protection, but she'll have to pay extra on a basic plan because her workplace its considered hazardous.

    Suggested PremiumRM270
    Get Quote

Actual premium rates will be determined by United Overseas Bank (M) Bhd. and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

How to Claim

Making insurance claims can be a pain on its own, so to help make your lives a little bit easier, here is a compiled list of the most essential document you will need when making a claim. Before we begin however, you will need to place a call to the insurance company or UOB customer care and have them send you a claim form to download. 

  • You will need to have on you a certified copy of your NRIC
  • Original Medical Records and Hospital Reports 
  • Official Police Reports if applicable according to the situation
  • All originals bills and receipts issued by the hospital
  • Bank and credit card statements for proof of payment

Once you have this list of documents compiled, along with a completed claim form you will need to either head over to the nearest branch to deliver them or hand them off to your appointed insurance agent and have them do it for you.

Customer Service Hotline
 326128121

Requirements

Am I eligible to apply for this insurance?

Minimum Age
At least 18 years of age
Maximum Age
At most 70 years of age

Frequently Asked Questions about UOB Ideal Lifestyle Protection Plan

Things you might want to know

What is the Ideal Lifestyle Protection Plan all about?

There are many types of protections that one person could take up, to have a safe haven, a supplement for your income, or for some even a bullet proof car. However, that doesn’t mean that everyone can afford these types of protections and luxuries, the alternative, pick up a personal accident insurance policy worth your while.

The UOB Lifestyle Protection is a comprehensive personal accident cover, with affordable premiums and great benefits. So take up the policy and get yourself some reliable coverage.

How much does the policy cover?

Much like any other personal accident protection, this policy covers death and permanent disablement, but we all know that there are other dangers that don’t fall into those boxes. Therefore, the policy will offer you coverage for dental and reconstructive cosmetic surgery, should you require it. As well as a hospital allowance, and alternative medical treatment, should the current generic methods fail to work for you.

The cover also includes, rehabilitation for disability survivors, travel expenses for your family who are too far away from wherever you are receiving treatment, the repatriation of mortal remains, and funeral expenses.

What about the premiums?

Premiums for this policy are calculated on a 12-month basis, therefore a total per annum, so when you break it down, the costs are not too high, in fact they are fairly average. Also, this policy comes with a choice of 3 plans, each with varying degrees of protection and premiums. Which means you are in control of the plan you choose and not the other way around.

Who can apply for this policy?

This is an individual policy made for anyone over the age of 18. So, if you want it, pick it up whenever you’d like. You can continue to renew your policy up to the maximum age of 70.

Is there a renewal bonus?

You bet there is! For every year, no claims are made and the policy is renewed there will be a 10% increase to the sum assured. This number will go up to a maximum of 50% the original sum assured.

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