Personal accident insurance
MSIG vs UOI personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 8 examples both price, MSIG 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 | MSIG | UOI |
|---|---|---|
| Accountant, S$200,000 cover | S$322.73PA RecoveryPlus Gold (S$200,000)as at 19 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$154.78ProtectionPlus Silver (S$100,000)as at 19 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$125.35ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 | S$133.42UniPA Value (S$100,000)as at 11 Oct 2026 |
| Class 2 job, S$50,000 cover | S$125.35ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 | S$156.96UniPA Value (S$100,000)as at 11 Oct 2026 |
| Class 3 job, S$50,000 cover | S$207.10ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 | S$423.57UniPA Value (S$100,000)as at 11 Oct 2026 |
| You and your spouse, S$50,000 cover | S$238.17ProtectionPlus Silver, me and my spouse (S$100,000 each adult)as at 19 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$136.25ProtectionPlus Silver, me and my children (S$100,000)as at 19 Oct 2026 | No online price |
| You and 2 children, S$50,000 cover | S$147.15ProtectionPlus Silver, me and my children (S$100,000)as at 19 Oct 2026 | No online price |
| Family: you, your spouse and 1 child, S$50,000 cover | S$238.17ProtectionPlus Silver, my family (S$100,000 each adult)as at 19 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$238.17ProtectionPlus Silver, my family (S$100,000 each adult)as at 19 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 | MSIG | UOI |
|---|---|---|
| Medical expenses | S$2,000 per injury; alternative treatment S$400 (S$40 a visit); mobility aid S$2,000 | 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 365 days (doubled in ICU up to 30 days); S$100 a day for dengue, food poisoning or HFMD up to 50 days | Optional add-on (extra premium): S$100 a day hospital confinement allowance, up to 365 days |
| Infectious disease | Hospital income for dengue, food poisoning and hand, foot and mouth disease only | 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 MSIG or UOI cheaper for personal accident insurance?
Of the 8 examples both price, MSIG was cheaper on 7, UOI on 1. Your own answers can change the order, so get your own quote.
How does MSIG's cover compare with UOI's?
On each one's cheapest plan for accountant, S$200,000 cover (MSIG PA RecoveryPlus Gold (S$200,000), UOI UniPA Plus (S$200,000)): Medical expenses: MSIG S$2,000 per injury; alternative treatment S$400 (S$40 a visit); mobility aid S$2,000, UOI S$3,000 per accident (TCM / chiropractic up to S$750); physiotherapy S$1,000; ambulance S$300; Hospital cash: MSIG S$100 a day up to 365 days (doubled in ICU up to 30 days); S$100 a day for dengue, food poisoning or HFMD up to 50 days, UOI Optional add-on (extra premium): S$100 a day hospital confinement allowance, up to 365 days; Infectious disease: MSIG Hospital income for dengue, food poisoning and hand, foot and mouth disease only, UOI Optional add-on (extra premium): listed infectious diseases extended to medical expenses, ambulance and cash support; Excess: MSIG S$0.00, UOI S$0.00.
What discounts are MSIG and UOI running?
MSIG: 15% off; 20% off. UOI: none to show.