More Than Just Welfare
Safeguard your income and ensure that in the event of life’s toughest challenges,
your family is guaranteed the support they need.
Why Choose United Welfare Trust?
Affordable Premiums
Contribute just 4% of net salary, though your employer for structured income protection and family support
Comprehensive Protection
Coverage includes death, critical illness, and incapacitation.
No Claims Bonus
Receive a pension contribution equal to 5% of your annual premium into your Tier 3 pension account
Sustainable Income Support
Beneficiaries receive support equals 1x annual net salary paid monthly over 24 months, after a valid claim
Tailored for Real Life
Benefits help preserve your family’s lifestyle and create a financial buffer during recovery or transition
Hassle-Free Claims
A streamlined digital process ensures faster verification, approvals, and member support when needed most.
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What’s Covered?
Natural and Accidental Death
100% of Sum Assured paid as a lumpsum to your beneficiaries.
Critical Illness
100% of the Sum Assured is split:
(1) 50% Income support paid as a lump sum to your beneficiaries and,
(2) 50% accessible through an emergency health fund used to finance medical treatment(s).
Incapacitation
50% of Sum Assured paid as a lump sum to you if you’re unable to work due to a disability.
Pension Booster
If you do not make a claim during the policy year, 5% of your premium will be paid as a contribution into your Tier 3 pension account
Making a Claim
If the unexpected happens, here’s how your beneficiary can claim their benefit:
Step 1
Make a Claim
Select Make a Claim on the right hand of the navigation bar.
Step 2
Submit Required Documents
Death certificate, medical reports, or employer confirmation.
Step 3
Assessment & Approval
Our team reviews the claim promptly.
Step 4
Disbursement
Sum assured is paid to you within 48 hours of the claim validated.
Note: There is a waiting period of 3 months for every policy to be eligible for a claim.
Employer Benefits
Make Staff Welfare more organized and stress-free for everyone
Digitized Welfare Administration
Manage claims, records, approvals, and member support through one centralized platform.
Manage Risk
Minimized unplanned staff fundraising and welfare administration during employee crises.
Boosts Staff Retention
Provide meaningful financial protection benefits that improve workforce loyalty and morale.
Simple Payroll Integration
Automated salary-based contributions with streamlined onboarding and reporting.
