Personal accident insurance
Liberty vs UOI personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 8 examples both price, Liberty 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 | Liberty | UOI |
|---|---|---|
| Accountant, S$200,000 cover | S$389.13PACare Plus Enhanced Executive (S$200,000)as at 9 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$277.95PACare Plus Enhanced Economy (S$100,000)as at 9 Oct 2026 | 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$146.06PACare Plus Enhanced Essential (S$50,000)as at 9 Oct 2026 | S$133.42UniPA Value (S$100,000)as at 11 Oct 2026 |
| Class 2 job, S$50,000 cover | S$176.58PACare Plus Enhanced Essential (S$50,000)as at 9 Oct 2026 | S$156.96UniPA Value (S$100,000)as at 11 Oct 2026 |
| Class 3 job, S$50,000 cover | S$208.19PACare Plus Enhanced Essential (S$50,000)as at 9 Oct 2026 | S$423.57UniPA Value (S$100,000)as at 11 Oct 2026 |
| You and your spouse, S$50,000 cover | S$285.58PACare Plus Enhanced Essential, me and my spouse (S$50,000 each adult)as at 9 Oct 2026 | 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$146.06PACare Plus Enhanced Essential, me and my children (S$50,000)as at 9 Oct 2026 | No online price |
| You and 2 children, S$50,000 cover | S$146.06PACare Plus Enhanced Essential, me and my children (S$50,000)as at 9 Oct 2026 | No online price |
| Family: you, your spouse and 1 child, S$50,000 cover | S$285.58PACare Plus Enhanced Essential, family (S$50,000 each adult)as at 9 Oct 2026 | 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$285.58PACare Plus Enhanced Essential, family (S$50,000 each adult)as at 9 Oct 2026 | 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 | Liberty | UOI |
|---|---|---|
| Accident medical expenses | S$5,000 per accident (S$10,000 on public transport or from landslide, flood, fire or explosion); TCM or chiropractor S$500 and physiotherapy S$750 per accident; mobility aids and ambulance S$3,000; transport allowance S$100 | S$3,000 per accident (TCM / chiropractic up to S$750); physiotherapy S$1,000; ambulance S$300 |
| Hospital cash | S$200 a day up to 365 days; ICU S$400 a day up to 90 days (incl. COVID-19 hospitalisation) | Optional add-on (extra premium): S$100 a day hospital confinement allowance, up to 365 days |
| Infectious diseases (e.g. dengue) | Medical expenses for infectious diseases within the S$5,000 medical limit; insect and animal bites and food poisoning extensions | 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 Liberty or UOI cheaper for personal accident insurance?
Of the 8 examples both price, Liberty was cheaper on 1, UOI on 7. Your own answers can change the order, so get your own quote.
How does Liberty's cover compare with UOI's?
On each one's cheapest plan for accountant, S$200,000 cover (Liberty PACare Plus Enhanced Executive (S$200,000), UOI UniPA Plus (S$200,000)): Accident medical expenses: Liberty S$5,000 per accident (S$10,000 on public transport or from landslide, flood, fire or explosion); TCM or chiropractor S$500 and physiotherapy S$750 per accident; mobility aids and ambulance S$3,000; transport allowance S$100, UOI S$3,000 per accident (TCM / chiropractic up to S$750); physiotherapy S$1,000; ambulance S$300; Hospital cash: Liberty S$200 a day up to 365 days; ICU S$400 a day up to 90 days (incl. COVID-19 hospitalisation), UOI Optional add-on (extra premium): S$100 a day hospital confinement allowance, up to 365 days; Infectious diseases (e.g. dengue): Liberty Medical expenses for infectious diseases within the S$5,000 medical limit; insect and animal bites and food poisoning extensions, UOI Optional add-on (extra premium): listed infectious diseases extended to medical expenses, ambulance and cash support; Excess: Liberty S$0.00, UOI S$0.00.
What discounts are Liberty and UOI running?
Liberty: none to show. UOI: none to show.