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.

UOB Ideal Lifestyle Protection Plan
Accidental Death
up to RM300k
Permanent Disablement
up to RM300k
Medical Expenses
Not covered


What makes this insurance policy stand out?

Cover Type
  • For Individual
Maximum Entry Age
Protection up to 70 years
Renewal Bonus
10% increase of sum assured up to 50%  


How much you can claim for UOB Ideal Lifestyle Protection Plan

Accidental DeathThe coverage amount paid to your closest family members if you die in an accident.
from RM100k up to RM300k 
Permanent DisablementCash payout following an accident if you can't work any longer or perform day to day tasks.
from RM100k up to RM300k 
Dental And Cosmetic SurgeryTotal cover for dental treatment and reconstructive surgery for injuries that are accident related.
from RM3k up to RM5k 
RepatriationTotal expenses to transport your body or ashes back to Malaysia if you pass away while overseas.
from RM3k 
Funeral ExpensesWhat your insurer will cover for your funeral if you pass away in an accident
from RM5k up to RM7k 
Hospital AllowanceThis 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 TreatmentIn case you'd prefer to seek treatment from a registered traditional medicine practitioner.
from RM5k Max of RM250 per accident
Rehabilitation BenefitExtra reimbursement to help cover some of the costs while you recover.
from RM1k If hospitalised for more than 7 consecutive days
Travel ExpensesTravel reimbursement for family members to visit you while in the hospital.
from RM1.5k 

How to Claim

Who do I contact if I have a question or emergency?

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.


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

More Information

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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