Given an isolated fixed point p of index one, of an area- and orientation-preserving homeomorphism f of a surface, we define a type (positive, negative) for a lift of f to the universal cover of D\setminus \{p\}, where D is a small disc neighbourhood of p. Using this concept, we establish a new kind of fixed point theorem. Furthermore, a refinement of the Arnold conjecture for a surface homeomorphism is obtained.