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Personal accident insurance

Allianz vs UOI personal accident insurance

As of 28 Oct 2026 (Singapore time)

Of the 8 examples both price, Allianz was cheaper on 1, UOI on 7. Your own answers can change the order, so get your own quote.

Lowest price on each example

Each insurer's cheapest plan for the example, with any discount it is running taken off.
ExampleAllianzUOI
Accountant, S$200,000 coverS$378.94Accident Protect Plus Gold (S$250,000)as at 19 Oct 2026S$218.76UniPA Plus (S$200,000)as at 11 Oct 2026
Sales executive who travels for work, S$100,000 coverS$171.14Accident Protect Plus Silver (S$100,000)as at 19 Oct 2026S$156.96UniPA Value (S$100,000)as at 11 Oct 2026
Technician, S$500,000 coverS$709.02Accident Protect Plus Platinum (S$500,000)as at 19 Oct 2026No online price
Class 1 job, S$50,000 coverS$171.14Accident Protect Plus Silver (S$100,000)as at 19 Oct 2026S$133.42UniPA Value (S$100,000)as at 11 Oct 2026
Class 2 job, S$50,000 coverS$281.15Accident Protect Plus Silver (S$100,000)as at 19 Oct 2026S$156.96UniPA Value (S$100,000)as at 11 Oct 2026
Class 3 job, S$50,000 coverS$171.14Accident Protect Plus Silver (S$100,000)as at 19 Oct 2026S$423.57UniPA Value (S$100,000)as at 11 Oct 2026
You and your spouse, S$50,000 coverS$290.94Accident Protect Plus Silver, me and my spouse (S$100,000 each adult; 15% off the whole premium)as at 19 Oct 2026S$266.83UniPA Value, me and my spouse (S$100,000 each adult)as at 11 Oct 2026
You and 1 child, S$50,000 coverS$187.03Accident Protect Plus Silver, me and my children (S$100,000; each child on the Child plan, S$48.90; 15% off the whole premium)as at 19 Oct 2026No online price
You and 2 children, S$50,000 coverS$228.60Accident Protect Plus Silver, me and my children (S$100,000; each child on the Child plan, S$48.90; 15% off the whole premium)as at 19 Oct 2026No online price
Family: you, your spouse and 1 child, S$50,000 coverS$332.50Accident Protect Plus Silver, family (S$100,000 each adult; each child on the Child plan, S$48.90; 15% off the whole premium)as at 19 Oct 2026S$266.83UniPA Value, family (S$100,000 each adult, S$25,000 each child, children free)as at 11 Oct 2026
Family: you, your spouse and 2 children, S$50,000 coverS$374.07Accident Protect Plus Silver, family (S$100,000 each adult; each child on the Child plan, S$48.90; 15% off the whole premium)as at 19 Oct 2026S$266.83UniPA Value, family (S$100,000 each adult, S$25,000 each child, children free)as at 11 Oct 2026
1 child on their ownNo online priceNo online price

All prices include 9% GST.

These are example prices for the details above. Your own price depends on your answers.

Cover side by side

Each insurer's cheapest plan for accountant, S$200,000 cover: Allianz Accident Protect Plus Gold (S$250,000), UOI UniPA Plus (S$200,000).
CoverAllianzUOI
Accident medical expensesS$5,000 per accident, inpatient and outpatient for up to 12 months, including chiropractor, TCM practitioner and physiotherapist and ambulance or taxi to hospitalS$3,000 per accident (TCM / chiropractic up to S$750); physiotherapy S$1,000; ambulance S$300
Hospital cashS$100 a day, up to 750 days per accident; ICU S$200 a day up to 90 days; recuperation S$50 a day up to 30 days; weekly cash S$100 for total temporary disablementOptional add-on (extra premium): S$100 a day hospital confinement allowance, up to 365 days
Infectious diseases (e.g. dengue)S$200 lump sum per diagnosis event for 27 listed infectious diseases including dengue, hand foot and mouth disease, Zika, malaria and measles (30-day waiting period)Optional add-on (extra premium): listed infectious diseases extended to medical expenses, ambulance and cash support
ExcessS$0.00S$0.00

Dearer plans from either insurer can cover more. Read the policy wording before you buy.

Discounts running today

More about each

See every insurer's price for your own answers, cheapest first.

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Questions people ask

Is Allianz or UOI cheaper for personal accident insurance?

Of the 8 examples both price, Allianz was cheaper on 1, UOI on 7. Your own answers can change the order, so get your own quote.

How does Allianz's cover compare with UOI's?

On each one's cheapest plan for accountant, S$200,000 cover (Allianz Accident Protect Plus Gold (S$250,000), UOI UniPA Plus (S$200,000)): Accident medical expenses: Allianz S$5,000 per accident, inpatient and outpatient for up to 12 months, including chiropractor, TCM practitioner and physiotherapist and ambulance or taxi to hospital, UOI S$3,000 per accident (TCM / chiropractic up to S$750); physiotherapy S$1,000; ambulance S$300; Hospital cash: Allianz S$100 a day, up to 750 days per accident; ICU S$200 a day up to 90 days; recuperation S$50 a day up to 30 days; weekly cash S$100 for total temporary disablement, UOI Optional add-on (extra premium): S$100 a day hospital confinement allowance, up to 365 days; Infectious diseases (e.g. dengue): Allianz S$200 lump sum per diagnosis event for 27 listed infectious diseases including dengue, hand foot and mouth disease, Zika, malaria and measles (30-day waiting period), UOI Optional add-on (extra premium): listed infectious diseases extended to medical expenses, ambulance and cash support; Excess: Allianz S$0.00, UOI S$0.00.

What discounts are Allianz and UOI running?

Allianz: none to show. UOI: none to show.