UOB Define

UOB DEFINE Debit Card provides instant personal accident insurance to customer aged between 15 and 90 years. It’s suitable for those who wish to have an instant insurance coverage without medical check-up for unforeseen personal accident right after applying. By only presenting the UOB DEFINE Debit Card, together with ID card at more than 300 network hospitals throughout Thailand, the cardholder will get insurance coverage instantly. UOB DEFINE Debit Card covers throughout 24 hours worldwide.

Benefits and Coverage Conditions

Coverage Conditions
UOB Define Debit Card
Aged 15 – 90 years
1. Death, dismemberment, loss of sight, speech, or hearing, or permanent disability caused by an accident
2. Death, dismemberment, loss of sight, speech, or hearing, or permanent disability caused by murder and ambush
3. Death, dismemberment, loss of sight, speech, or hearing, or permanent disability caused by riding or being a passenger of motorcycle
4. Loss of life while using public transportation
5. Medical expense per accident
Annual fee

Remark: For cardholders aged 70 years old and older, their benefit under coverage condition number 1, 2, 3 will be 70% of the pre-age-70 benefit

- Instant claim at over 300 network hospitals across country
- Instant coverage right after applying for UOB DEFINE Debit Card
- For the cardholders of UOB DEFINE Debit card, in case of having any claims with either network hospitals or non-network hospitals within the first 7 days (for Bangkok) or first 14 days (for upcountry), cardholders need to make advance payment.
- The advance payment by cardholder will be reimbursed within 15 days after the submission of completed set of required documents.
- For advance payment by cardholder, please submit claim form and required document to United Overseas Bank (Thai) Head Office 11th floor, 191 South Sathon road, Bangkok 10120 or via any UOB branches.

* Insurance coverage will be automatically discontinued if the bank could not collect annual fee from the cardholder.

List of Required Document for Claim Process

Personal Accident (Death Claim)
Personal Accident (Medical Expense Claim)
- Claim form
- Copy of Death Certificate
- Copy of the ID Card or Government official ID of insured and beneficiary
- Copy of household registration of insured and beneficiary
- Copy of Police report certified by police officer
- Copy of autopsy report performed by police
- Original Medical Certificate (If death during the medical treatment
- Copy of passport and/or VISA (Foreigner only)
- Original Autopsy Report performed by physician (if needed)
- Copy of UOB DEFINE Debit Card


Claim form
Original medical certificate issued by physician
Original receipt of medical expenses. Plus detail of expense (if inpatient case)
Copy of the insured’s ID Card/ driver license/ student card/ Government official ID/ or other photo card issued by a government office /
Copy of passport and/or VISA (Foreigner only)
Copy of UOB DEFINE Debit Card
Copy passbook linked with UOB DEFINE Debit Card

Updated List of Network Hospitals effective from June 2015 ..>>

Updated Claim Form effective from 18 March 2011 ..>>

Privilege of UOB DEFINE Debit Card
  • Able to receive medical attention from any hospitals across the country
  • There is no need to make an advance on incurred medical expense when checking into more than 300 contract hospitals nationwide
  • Free of charge on cash withdrawal and balance inquiry transactions via all ATM with Pool sign, both within the same clearing zone and between 2 clearing zone.
  • The daily maximum cash withdrawal is up to THB 100,000.
  • The daily maximum spending by a UOB VISA Debit card is up to THB 100,000. (excluding cash withdrawal)
  • Fund transfer between banks (ORFT) with UOB debit card throughout 24 hrs.
  • For UOBT Debit Card, cash withdrawal and balance inquiry are available on UOB ATM throughout Thailand, Singapore, Malaysia and Indonesia, with free of charge
  • Get 1 point for every spending of THB 25 via your UOB VISA Debit Card and you use the points to redeem free gifts or Royal Orchid Plus mileage

Applicant’s qualification
  • Individual only
  • Between age of 15 and 89 years old as of applied date
  • Have any type of UOB Savings Account

Condition of application
  • Limit 1 card per person
  • In case cardholders hold more than one VCare /DEFINE card, PA coverage will be only under a card that provides highest coverage. 

Required Document
  • Certified copy of ID or Passport

Disclosure of Foreign Currency Exchange Risk Premium

When cardholder uses debit card to make payment for goods and/or services and/or cash withdrawal in a foreign currency, the expense incurred will be collected in Thai Baht. The collected amount is converted at the exchange rate applicable by each credit card company of which United Overseas Bank (Thai) Plc is a member as of the date such expenses were collected from the Bank on actual collection basis where the expense is not incurred in USD, the credit card company may convert it into USD then from USD to Thai Baht.
Debit cardholders may view the exchanges rates via the below links for preliminary reference:

For the purpose of risk protection, the Bank will charge an exchange risk-hedging premium on the top of the converted amount at a rate not exceeding 2.5% of the expense incurred.