Personal accident insurance
Lonpac vs UOI personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 7 examples both price, Lonpac was cheaper on 0, UOI on 7. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Lonpac | UOI |
|---|---|---|
| Accountant, S$200,000 cover | S$303.60Personal CarePlus Standard (S$200,000)as at 11 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$171.20Personal CarePlus Basic (S$100,000)as at 11 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$171.20Personal CarePlus Basic (S$100,000)as at 11 Oct 2026 | S$133.42UniPA Value (S$100,000)as at 11 Oct 2026 |
| Class 2 job, S$50,000 cover | S$171.20Personal CarePlus Basic (S$100,000)as at 11 Oct 2026 | S$156.96UniPA Value (S$100,000)as at 11 Oct 2026 |
| Class 3 job, S$50,000 cover | No online price | S$423.57UniPA Value (S$100,000)as at 11 Oct 2026 |
| You and your spouse, S$50,000 cover | S$325.28Personal CarePlus Basic, me and my spouse (S$100,000 each adult; spouse 10% off)as at 11 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$205.44Personal CarePlus Basic, me and my children (S$100,000; each child S$34.24, up to 3)as at 11 Oct 2026 | No online price |
| You and 2 children, S$50,000 cover | S$239.68Personal CarePlus Basic, me and my children (S$100,000; each child S$34.24, up to 3)as at 11 Oct 2026 | No online price |
| Family: you, your spouse and 1 child, S$50,000 cover | S$359.52Personal CarePlus Basic, family (S$100,000 each adult, spouse 10% off; each child S$34.24, up to 3)as at 11 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$393.76Personal CarePlus Basic, family (S$100,000 each adult, spouse 10% off; each child S$34.24, up to 3)as at 11 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 | Lonpac | UOI |
|---|---|---|
| Accident medical expenses | S$6,000 a year (TCM S$100 per treatment, up to S$750 a year) | 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 60 days | Optional add-on (extra premium): S$100 a day hospital confinement allowance, up to 365 days |
| Infectious diseases (e.g. dengue) | Up to S$1,200 for 21 infectious diseases including dengue, Zika, HFMD and MERS; HIV through blood transfusion S$10,000 | 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 Lonpac or UOI cheaper for personal accident insurance?
Of the 7 examples both price, Lonpac was cheaper on 0, UOI on 7. Your own answers can change the order, so get your own quote.
How does Lonpac's cover compare with UOI's?
On each one's cheapest plan for accountant, S$200,000 cover (Lonpac Personal CarePlus Standard (S$200,000), UOI UniPA Plus (S$200,000)): Accident medical expenses: Lonpac S$6,000 a year (TCM S$100 per treatment, up to S$750 a year), UOI S$3,000 per accident (TCM / chiropractic up to S$750); physiotherapy S$1,000; ambulance S$300; Hospital cash: Lonpac S$100 a day, up to 60 days, UOI Optional add-on (extra premium): S$100 a day hospital confinement allowance, up to 365 days; Infectious diseases (e.g. dengue): Lonpac Up to S$1,200 for 21 infectious diseases including dengue, Zika, HFMD and MERS; HIV through blood transfusion S$10,000, UOI Optional add-on (extra premium): listed infectious diseases extended to medical expenses, ambulance and cash support; Excess: Lonpac S$0.00, UOI S$0.00.
What discounts are Lonpac and UOI running?
Lonpac: none to show. UOI: none to show.