Personal accident insurance
Etiqa vs UOI personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 8 examples both price, Etiqa was cheaper on 1, UOI on 7. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Etiqa | UOI |
|---|---|---|
| Accountant, S$200,000 cover | S$264.49Tiq Personal Accident Enhanced Gold (S$300,000)as at 15 Oct 2026code PA35 | S$218.76UniPA Plus (S$200,000)as at 11 Oct 2026 |
| Sales executive who travels for work, S$100,000 cover | S$194.27Tiq Personal Accident Enhanced Silver (S$125,000)as at 15 Oct 2026code PA35 | S$156.96UniPA Value (S$100,000)as at 11 Oct 2026 |
| Technician, S$500,000 cover | S$566.73Tiq Personal Accident Enhanced Platinum (S$500,000)as at 15 Oct 2026code PA35 | No online price |
| Class 1 job, S$50,000 cover | S$162.75Tiq Personal Accident Enhanced Silver (S$125,000)as at 15 Oct 2026code PA35 | S$133.42UniPA Value (S$100,000)as at 11 Oct 2026 |
| Class 2 job, S$50,000 cover | S$194.27Tiq Personal Accident Enhanced Silver (S$125,000)as at 15 Oct 2026code PA35 | S$156.96UniPA Value (S$100,000)as at 11 Oct 2026 |
| Class 3 job, S$50,000 cover | S$194.27Tiq Personal Accident Enhanced Silver (S$125,000)as at 15 Oct 2026code PA35 | S$423.57UniPA Value (S$100,000)as at 11 Oct 2026 |
| You and your spouse, S$50,000 cover | S$309.22Tiq Personal Accident Enhanced Silver, Me and my spouse (S$125,000 each adult)as at 15 Oct 2026code PA35 | S$266.83UniPA Value, me and my spouse (S$100,000 each adult)as at 11 Oct 2026 |
| You and 1 child, S$50,000 cover | S$216.45Tiq Personal Accident Enhanced Silver, Me and my children (S$125,000)as at 15 Oct 2026code PA35 | No online price |
| You and 2 children, S$50,000 cover | S$270.16Tiq Personal Accident Enhanced Silver, Me and my children (S$125,000)as at 15 Oct 2026code PA35 | No online price |
| Family: you, your spouse and 1 child, S$50,000 cover | S$362.93Tiq Personal Accident Enhanced Silver, My family (S$125,000 each adult)as at 15 Oct 2026code PA35 | S$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 cover | S$416.63Tiq Personal Accident Enhanced Silver, My family (S$125,000 each adult)as at 15 Oct 2026code PA35 | S$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 own | No online price | No 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
| Cover | Etiqa | UOI |
|---|---|---|
| Accident medical expenses | S$1,500 per accident, inpatient and outpatient together (TCM up to S$150 a visit and S$1,000 an accident) | S$3,000 per accident (TCM / chiropractic up to S$750); physiotherapy S$1,000; ambulance S$300 |
| Hospital cash | S$100 a day, up to 180 days | Optional add-on (extra premium): S$100 a day hospital confinement allowance, up to 365 days |
| Infectious diseases (e.g. dengue) | 22 infectious diseases including dengue and HFMD: medical expenses S$1,500 | Optional add-on (extra premium): listed infectious diseases extended to medical expenses, ambulance and cash support |
| Excess | S$0.00 | S$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.
Get your own quoteQuestions people ask
Is Etiqa or UOI cheaper for personal accident insurance?
Of the 8 examples both price, Etiqa was cheaper on 1, UOI on 7. Your own answers can change the order, so get your own quote.
How does Etiqa's cover compare with UOI's?
On each one's cheapest plan for accountant, S$200,000 cover (Etiqa Tiq Personal Accident Enhanced Gold (S$300,000), UOI UniPA Plus (S$200,000)): Accident medical expenses: Etiqa S$1,500 per accident, inpatient and outpatient together (TCM up to S$150 a visit and S$1,000 an accident), UOI S$3,000 per accident (TCM / chiropractic up to S$750); physiotherapy S$1,000; ambulance S$300; Hospital cash: Etiqa S$100 a day, up to 180 days, UOI Optional add-on (extra premium): S$100 a day hospital confinement allowance, up to 365 days; Infectious diseases (e.g. dengue): Etiqa 22 infectious diseases including dengue and HFMD: medical expenses S$1,500, UOI Optional add-on (extra premium): listed infectious diseases extended to medical expenses, ambulance and cash support; Excess: Etiqa S$0.00, UOI S$0.00.
What discounts are Etiqa and UOI running?
Etiqa: Promo code PA35: 35% off. UOI: none to show.