Personal accident insurance
HL Assurance vs UOI personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 8 examples both price, HL Assurance was cheaper on 7, UOI on 1. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | HL Assurance | UOI |
|---|---|---|
| Accountant, S$200,000 cover | S$495.96Family Protect360 Premier (S$250,000 an adult)as at 8 Oct 2026code SAVE30 | S$218.76UniPA Plus (S$200,000)as at 11 Oct 2026 |
| Sales executive who travels for work, S$100,000 cover | S$135.25Family Protect360 Silver (S$100,000 an adult)as at 8 Oct 2026code SAVE30 | S$156.96UniPA Value (S$100,000)as at 11 Oct 2026 |
| Technician, S$500,000 cover | No online price | No online price |
| Class 1 job, S$50,000 cover | S$51.27Family Protect360 Bronze (S$50,000 an adult)as at 8 Oct 2026code SAVE30 | S$133.42UniPA Value (S$100,000)as at 11 Oct 2026 |
| Class 2 job, S$50,000 cover | S$51.27Family Protect360 Bronze (S$50,000 an adult)as at 8 Oct 2026code SAVE30 | S$156.96UniPA Value (S$100,000)as at 11 Oct 2026 |
| Class 3 job, S$50,000 cover | S$51.27Family Protect360 Bronze (S$50,000 an adult)as at 8 Oct 2026code SAVE30 | S$423.57UniPA Value (S$100,000)as at 11 Oct 2026 |
| You and your spouse, S$50,000 cover | S$135.25Family Protect360 Bronze, Family (me and my spouse; S$50,000 an adult; priced as the Family plan)as at 8 Oct 2026code SAVE30 | 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$135.25Family Protect360 Bronze, Myself With Child(ren) (S$50,000 an adult, S$10,000 a child)as at 8 Oct 2026code SAVE30 | No online price |
| You and 2 children, S$50,000 cover | S$135.25Family Protect360 Bronze, Myself With Child(ren) (S$50,000 an adult, S$10,000 a child)as at 8 Oct 2026code SAVE30 | No online price |
| Family: you, your spouse and 1 child, S$50,000 cover | S$135.25Family Protect360 Bronze, Family (S$50,000 an adult, S$10,000 a child)as at 8 Oct 2026code SAVE30 | 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$135.25Family Protect360 Bronze, Family (S$50,000 an adult, S$10,000 a child)as at 8 Oct 2026code SAVE30 | 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 | HL Assurance | UOI |
|---|---|---|
| Accident medical expenses | S$2,500 an adult, including Chinese physician or chiropractor treatment up to 50% of the limit and ambulance charges up to S$200 an injury | S$3,000 per accident (TCM / chiropractic up to S$750); physiotherapy S$1,000; ambulance S$300 |
| Hospital cash | Not covered; income protector S$1,000 a month up to S$6,000 after permanent total disablement, home care S$2,500 | Optional add-on (extra premium): S$100 a day hospital confinement allowance, up to 365 days |
| Infectious diseases (e.g. dengue) | Covered: medical expenses for 20 named infectious diseases including dengue fever, hand, foot and mouth disease, Zika and malaria, within the S$2,500 medical limit, after a 14-day waiting period; cover ceases once an epidemic or pandemic is declared | 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
- HL Assurance: Promo code SAVE30: 10% + S$30 off
- UOI: none to show
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is HL Assurance or UOI cheaper for personal accident insurance?
Of the 8 examples both price, HL Assurance was cheaper on 7, UOI on 1. Your own answers can change the order, so get your own quote.
How does HL Assurance's cover compare with UOI's?
On each one's cheapest plan for accountant, S$200,000 cover (HL Assurance Family Protect360 Premier (S$250,000 an adult), UOI UniPA Plus (S$200,000)): Accident medical expenses: HL Assurance S$2,500 an adult, including Chinese physician or chiropractor treatment up to 50% of the limit and ambulance charges up to S$200 an injury, UOI S$3,000 per accident (TCM / chiropractic up to S$750); physiotherapy S$1,000; ambulance S$300; Hospital cash: HL Assurance Not covered; income protector S$1,000 a month up to S$6,000 after permanent total disablement, home care S$2,500, UOI Optional add-on (extra premium): S$100 a day hospital confinement allowance, up to 365 days; Infectious diseases (e.g. dengue): HL Assurance Covered: medical expenses for 20 named infectious diseases including dengue fever, hand, foot and mouth disease, Zika and malaria, within the S$2,500 medical limit, after a 14-day waiting period; cover ceases once an epidemic or pandemic is declared, UOI Optional add-on (extra premium): listed infectious diseases extended to medical expenses, ambulance and cash support; Excess: HL Assurance S$0.00, UOI S$0.00.
What discounts are HL Assurance and UOI running?
HL Assurance: Promo code SAVE30: 10% + S$30 off. UOI: none to show.