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Personal accident insurance

Income vs UOI personal accident insurance

As of 28 Oct 2026 (Singapore time)

Of the 8 examples both price, Income 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.
ExampleIncomeUOI
Accountant, S$200,000 coverS$361.88PA Assurance Classic (S$200,000)as at 16 Oct 2026S$218.76UniPA Plus (S$200,000)as at 11 Oct 2026
Sales executive who travels for work, S$100,000 coverS$233.26PA Assurance Basic (S$100,000)as at 16 Oct 2026S$156.96UniPA Value (S$100,000)as at 11 Oct 2026
Technician, S$500,000 coverS$817.50PA Assurance Premium (S$500,000)as at 16 Oct 2026No online price
Class 1 job, S$50,000 coverS$233.26PA Assurance Basic (S$100,000)as at 16 Oct 2026S$133.42UniPA Value (S$100,000)as at 11 Oct 2026
Class 2 job, S$50,000 coverS$233.26PA Assurance Basic (S$100,000)as at 16 Oct 2026S$156.96UniPA Value (S$100,000)as at 11 Oct 2026
Class 3 job, S$50,000 coverS$233.26PA Assurance Basic (S$100,000)as at 16 Oct 2026S$423.57UniPA Value (S$100,000)as at 11 Oct 2026
You and your spouse, S$50,000 coverS$466.52PA Assurance Basic, me and my spouse (S$100,000 each)as at 16 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$373.22PA Assurance Basic, me and my children (S$100,000; each child 40% off)as at 16 Oct 2026No online price
You and 2 children, S$50,000 coverS$513.17PA Assurance Basic, me and my children (S$100,000; each child 40% off)as at 16 Oct 2026No online price
Family: you, your spouse and 1 child, S$50,000 coverS$606.48PA Assurance Basic, family (S$100,000 each adult; each child 40% off)as at 16 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$746.43PA Assurance Basic, family (S$100,000 each adult; each child 40% off)as at 16 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 ownS$233.26PA Assurance Basic, children only (S$100,000 each child, full price)as at 16 Oct 2026No 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: Income PA Assurance Classic (S$200,000), UOI UniPA Plus (S$200,000).
CoverIncomeUOI
Medical expenses after an accidentS$6,000 per accident (outpatient S$3,000; physiotherapy S$1,500 a year; TCM or chiropractor S$750)S$3,000 per accident (TCM / chiropractic up to S$750); physiotherapy S$1,000; ambulance S$300
Daily hospital incomeS$150 a day, up to 365 days (S$450 a day in ICU, up to 30 days)Optional add-on (extra premium): S$100 a day hospital confinement allowance, up to 365 days
Infectious diseasesNot covered: Income sells it as the "with infectious disease cover" version of this planOptional 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.

Get your own quote

Questions people ask

Is Income or UOI cheaper for personal accident insurance?

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

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

On each one's cheapest plan for accountant, S$200,000 cover (Income PA Assurance Classic (S$200,000), UOI UniPA Plus (S$200,000)): Medical expenses after an accident: Income S$6,000 per accident (outpatient S$3,000; physiotherapy S$1,500 a year; TCM or chiropractor S$750), UOI S$3,000 per accident (TCM / chiropractic up to S$750); physiotherapy S$1,000; ambulance S$300; Daily hospital income: Income S$150 a day, up to 365 days (S$450 a day in ICU, up to 30 days), UOI Optional add-on (extra premium): S$100 a day hospital confinement allowance, up to 365 days; Infectious diseases: Income Not covered: Income sells it as the "with infectious disease cover" version of this plan, UOI Optional add-on (extra premium): listed infectious diseases extended to medical expenses, ambulance and cash support; Excess: Income S$0.00, UOI S$0.00.

What discounts are Income and UOI running?

Income: none to show. UOI: none to show.