Personal accident insurance
FWD vs UOI personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 5 examples both price, FWD was cheaper on 1, UOI on 4. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | FWD | UOI |
|---|---|---|
| Accountant, S$200,000 cover | S$283.84FWD Life PA S$200,000 (Plan B)as at 5 Oct 2026 | S$218.76UniPA Plus (S$200,000)as at 11 Oct 2026 |
| Sales executive who travels for work, S$100,000 cover | S$168.95FWD Life PA S$100,000 (Plan A)as at 5 Oct 2026 | S$156.96UniPA Value (S$100,000)as at 11 Oct 2026 |
| Technician, S$500,000 cover | S$1,117.03FWD Life PA S$500,000 (Plan C)as at 5 Oct 2026 | No online price |
| Class 1 job, S$50,000 cover | S$168.95FWD Life PA S$100,000 (Plan A)as at 5 Oct 2026 | S$133.42UniPA Value (S$100,000)as at 11 Oct 2026 |
| Class 2 job, S$50,000 cover | S$168.95FWD Life PA S$100,000 (Plan A)as at 5 Oct 2026 | S$156.96UniPA Value (S$100,000)as at 11 Oct 2026 |
| Class 3 job, S$50,000 cover | S$301.93FWD Life PA S$100,000 (Plan A)as at 5 Oct 2026 | S$423.57UniPA Value (S$100,000)as at 11 Oct 2026 |
| You and your spouse, S$50,000 cover | No online price | 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$337.90FWD Life PA S$100,000 (Plan A), me and my childrenas at 5 Oct 2026 | No online price |
| You and 2 children, S$50,000 cover | S$506.85FWD Life PA S$100,000 (Plan A), me and my childrenas at 5 Oct 2026 | No online price |
| Family: you, your spouse and 1 child, S$50,000 cover | No online price | 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 | No online price | 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 | FWD | UOI |
|---|---|---|
| Accident medical expenses | S$3,000 per accident, inpatient and outpatient (TCM, acupuncture or chiropractor S$1,000, up to S$100 a visit; physiotherapy S$1,000) | S$3,000 per accident (TCM / chiropractic up to S$750); physiotherapy S$1,000; ambulance S$300 |
| Hospital cash | Not included in the base plan (Income Support Rider, extra premium) | Optional add-on (extra premium): S$100 a day hospital confinement allowance, up to 365 days |
| Infectious diseases | 24 infectious diseases including dengue, HFMD and Zika, and food poisoning, treated as accidents for the death and disability and medical expenses benefits (14-day waiting period) | 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 FWD or UOI cheaper for personal accident insurance?
Of the 5 examples both price, FWD was cheaper on 1, UOI on 4. Your own answers can change the order, so get your own quote.
How does FWD's cover compare with UOI's?
On each one's cheapest plan for accountant, S$200,000 cover (FWD FWD Life PA S$200,000 (Plan B), UOI UniPA Plus (S$200,000)): Accident medical expenses: FWD S$3,000 per accident, inpatient and outpatient (TCM, acupuncture or chiropractor S$1,000, up to S$100 a visit; physiotherapy S$1,000), UOI S$3,000 per accident (TCM / chiropractic up to S$750); physiotherapy S$1,000; ambulance S$300; Hospital cash: FWD Not included in the base plan (Income Support Rider, extra premium), UOI Optional add-on (extra premium): S$100 a day hospital confinement allowance, up to 365 days; Infectious diseases: FWD 24 infectious diseases including dengue, HFMD and Zika, and food poisoning, treated as accidents for the death and disability and medical expenses benefits (14-day waiting period), UOI Optional add-on (extra premium): listed infectious diseases extended to medical expenses, ambulance and cash support; Excess: FWD S$0.00, UOI S$0.00.
What discounts are FWD and UOI running?
FWD: none to show. UOI: none to show.