UOB·SGD 262/year·Visa·United Overseas Insurance (UOI)
Our Verdict · Travel Insurance
S$500,000 personal accident. Almost nothing else. That is the UOB PRVI Miles travel insurance in one line, and here is what the gap costs you. The headline sum only pays for an accident on a scheduled flight, ferry or train, and the card's single medical benefit is S$50,000 of emergency evacuation, which does include COVID-19 but not the hospital bill itself. Most cardholders assume 'complimentary travel insurance' means real medical and cancellation cover. It doesn't: there is no general overseas medical, no trip cancellation, and no baggage cover at all. The kicker: even this thin cover only switches on if you charge the full air fare to the card and submit the opt-in form before you fly. A standalone Singapore travel policy starts at around S$20 for a single trip and pays the hospital bills, cancellations and lost bags this card leaves out. If you book on miles so only the taxes hit the card, or you forget the opt-in, you travel with no cover at all.
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 14 guarantees
The personal accident benefit (a lump sum for accidental death or permanent disablement) pays up to S$500,000 for the cardmember or spouse and S$30,000 for a dependent child, capped at S$500,000 per family. It applies only to an accident on a scheduled public conveyance overseas, meaning a flight, ferry, train or bus you paid to ride, not a general travel accident. The full air fare must be charged to the card and the trip opted in before departure.
Recommended : SGD 1,000,000
No overseas medical cover. The 24-hour assistance line arranges evacuation, but the hospital treatment bill is not paid. All medical costs overseas are the cardholder's responsibility, and a serious admission in the US or Europe can run S$100,000 or more, none of which MediShield Life covers abroad.
This is the card's only medical benefit: up to S$50,000 to evacuate and repatriate you to the nearest suitable hospital or back to Singapore, arranged by UOI's 24-hour assistance line. It explicitly includes evacuation for a COVID-19 illness overseas. It pays the transport only, not the hospital treatment, and pre-existing conditions are excluded.
No overseas emergency dental cover. This benefit is not included with this card. Emergency dental treatment overseas is out of pocket.
No hospital cash allowance. This benefit is not included with this card. There is no daily cash payment while you are hospitalised overseas.
No trip cancellation. This benefit is not included with this card. Prepaid flights, hotels, and tours are not reimbursable if you cancel. A standalone travel insurance policy is required for this coverage.
No trip curtailment cover. This benefit is not included with this card. The cost to fly home early after a family emergency and resume a trip is out of pocket.
No travel disruption cover. This benefit is not included with this card. Extra accommodation and transport from a trip disruption are the cardholder's responsibility.
Travel delay pays a cash benefit if your scheduled flight is delayed at least 6 hours by industrial action, bad weather or a mechanical fault: S$100 for the first 6 hours and S$50 for each further 6 hours, up to S$200 per person and S$400 per family. You must be at the departure point of the scheduled conveyance, and the delay cannot be in Singapore or your home country. Keep the airline's written confirmation of the delay and its cause.
Recommended : SGD 1,000
If you miss a connecting flight because the incoming flight was early or late, or you are denied boarding overseas due to overbooking, the card reimburses accommodation, meals and refreshments after a delay of more than 6 hours, up to S$100 per person and S$200 per family. This is a reimbursement, so keep the receipts. The amount is small: it is meant for a few meals and a night, not a full re-routing.
No baggage cover. This benefit is not included with this card. Replacement costs for lost or stolen bags are the cardholder's responsibility.
No baggage delay cover. This benefit is not included with this card. Purchases of essential items during a bag delay are out of pocket.
No travel documents cover. This benefit is not included with this card. The cost to replace a lost passport or reclaim fraudulent card use overseas is out of pocket.
No personal liability cover. This benefit is not included with this card. Legal liability for injury to others or property damage overseas is uninsured, and claims commonly reach hundreds of thousands of dollars.
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
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Side-by-side comparison
Same 5 coverage dimensions, ranked head-to-head against the cards most PRVI Miles shoppers also consider.
| Card | This card PRVI Miles UOB · SGD 262/yr 0.9/5? | Revolution HSBC · SGD 0/yr 1.5/5? | |
|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | S$2,000 per person Capped S$2,000 | |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | Not covered | |
Emergency evacuation Air ambulance + repatriation | S$50,000 Capped S$50,000 | S$1,000,000 Up to S$1,000,000 | |
Trip delay trigger Hours before benefits kick in | 6h / S$200 Trigger: 6 hours | 8h / S$500 Trigger: 8 hours | |
Trip interruption Covered amount | Not covered Cover this gap → | Not covered |
Data verified against each card's Guide to Benefits, May 2026.
Verified comments on the complimentary travel cover and its opt-in 3 reviews
u/cslev6 (r/askSingapore)
Could not get the opt-in to go through
I purposely paid all my travel expenses with my UOB card as it supposedly provides free complimentary travel insurance. You have to fill in a form to activate. However, I cannot submit the form, it never gets through, and at the branch nobody handles complimentary insurances, only their paid ones.
Aaron Wong (The MileLion)
Thin cover, get a real policy instead
There is no coverage for overseas medical expenses, lost or damaged bags, lost personal belongings, trip cancellation or personal liability. Therefore, I'd highly recommend getting a comprehensive travel insurance policy instead.
torrent06 (HardwareZone)
Hard to even get the policy wording
I find it strange that their policy wording is not freely available on the website unlike other travel insurers and more than one week after requesting for it, it's still not sent to me.
UOI claims (Singapore)
+65 6222 7733
Office hours
UOI 24-hour Emergency Assist
+65 6222 7737
Call collect where possible · 24/7
Benefit administrator: United Overseas Insurance (UOI) for UOB
Claims & pre-authorizations
How to make a UOB PRVI Miles claim
Step 1: Call the UOI 24-hour assistance line before any evacuation
For a medical emergency overseas, call UOI Emergency Assist on +65 6222 7737 before arranging transport, so the appointed provider can authorise and coordinate it. Approval by the provider is a condition of the S$50,000 evacuation benefit.
Step 2: Give written notice within 30 days and gather your documents
Notify UOI within 30 days of the incident on +65 6222 7733 or contactus@uoi.com.sg. Collect itemised bills, any police or carrier report, your boarding pass, and the card statement showing the air fare was charged to the card.
Step 3: Submit proof the fare was charged and the trip was opted in
Return the completed claim form and evidence within 30 days. The insurer checks that the full air fare was charged to the card and the trip opted in before departure. If a fair claim is denied, you can escalate free to FIDReC within 6 months of the final reply.
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