UOB·$196/year·Visa·United Overseas Insurance
Our Verdict · Travel Insurance
The UOB SingTel Card is a telco rewards card first, and its complimentary cover is the same thin UOB opt-in accident certificate carried by the rest of the UOB range. You get a S$500,000 personal accident sum (a lump sum for accidental death or permanent disablement) that only pays for an accident on a scheduled flight, ferry or train, plus S$50,000 of emergency medical evacuation and repatriation that does include COVID-19, and a small cash payout for a long flight delay. That is the whole of the uob singtel card travel insurance: there is no general overseas medical treatment and no trip cancellation, so an overseas hospital admission is on you, and MediShield Life (Singapore's national health insurance) does not pay for treatment abroad. The cover also switches on only if you charge the full air fare to the card and submit the opt-in form before you fly, so no opt-in means no cover at all. Treat this as a thin extra rather than a policy, and pair it with a standalone Singapore travel plan from about S$20 a trip that actually pays the hospital bills, cancellations and lost bags this card leaves out.
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 : $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 : $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 SingTel Card shoppers also consider.
| Card | This card SingTel Card UOB · $196/yr 0.9/5? | Privilege Banking UOB · $1,962/yr 1.0/5? | TravelOne HSBC · $196/yr 1.7/5? | Centurion American Express · $7,500/yr 4.2/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | Not covered | S$1,500 per person Capped S$1,500 | S$20,000 S$20,000 prepaid costs |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | Not covered | S$150,000 Capped S$150,000 | Chubb arranges and pays No stated medical sub-limit |
Emergency evacuation Air ambulance + repatriation | S$50,000 Capped S$50,000 | Not covered | S$1,000,000 Up to S$1,000,000 | Arranged and paid by Chubb Evacuation + repatriation |
Trip delay trigger Hours before benefits kick in | 6h / S$200 Trigger: 6 hours | 4h / S$400 Trigger: 4 hours | 8h / S$150 Trigger: 8 hours | 4h / up to S$900 Trigger: 4 hours |
Trip interruption Covered amount | Not covered Cover this gap → | Not covered | Not covered | S$300/person S$300 per person |
Data verified against each card's Guide to Benefits, May 2026.
Cardholder experience with the card 2 reviews
Tienny Zheng (Seedly)
Good for SingTel bill payment
The promotions and perks are good for bill payment. However, it is only applicable for SingTel bills only. If put cashback into consideration, then how much to spend to earn the cashback.
lyknah (HardwareZone)
Free for life if you charge your SingTel bill
My bills is nearing to 200.00 per month & I get $3.00 rebates monthly. One thing good about this card is that as long as you charge your Singtel bill to this card, it is free for life and you don't need to worry about Annual fee
Who to contact while travelling, and how to claim on the complimentary United Overseas Insurance cover.
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 SingTel Card claim
Step 1: Notify United Overseas Insurance as soon as possible
Start your claim with United Overseas Insurance within the notice period in the certificate, commonly 30 days of the incident. Only expenses charged to the UOB SingTel Card can be reimbursed where the benefit requires the fare to be charged to the card.
Step 2: Gather the proof United Overseas Insurance needs
Keep the card statement showing the fare was charged, your boarding passes, and for a medical claim the doctor's report and receipts. For delayed or lost baggage, get a Property Irregularity Report from the airline before leaving the airport; for theft, file a police report within 24 hours.
Step 3: Escalate to FIDReC if a fair claim is denied
If United Overseas Insurance rejects a claim you believe is valid, escalate free of charge to FIDReC, the Financial Industry Disputes Resolution Centre, within 6 months of the insurer's final reply. FIDReC independently mediates disputes between consumers and financial institutions in Singapore.
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