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Personal accident insurance

How UOI prices personal accident insurance

Priced online

What the figures include

The table's figures are before GST. We add 9% GST to each price.

Prices from this table are as at 11 Oct 2026, the day we last checked them against UOI's own online quotes.

The insurer places some jobs in a different occupation class from ours, and prices them in its own: Construction worker class 1; Dentist class 1; Diver class 1; Doctor class 1; Flight attendant class 1; Full-time national serviceman (NSF) class 1; Nurse (clinic or outpatient) class 1; Pharmacist class 1; Pilot or aircrew (flight deck) class 1; Police, SAF or civil defence (office or admin work only) class 1; Retail assistant class 1; TCM practitioner or acupuncturist class 1; Veterinarian class 1; Engineer (office-based) class 2; Factory worker class 2; Security officer (unarmed) class 2; Butcher class 3; Chauffeur or private driver class 3; Fitness or gym instructor class 3; Sports coach class 3. It does not cover these jobs online: Army, navy or air force (regular); Police officer.

A plan's premium is its base figure, times each factor that applies, plus any additions. It is never below the plan's minimum. Version 3, live since 20 Oct 2026.

Plans and how each is priced

UniPA Value (S$100,000)

Offered when Who is covered is One adult; Sum insured up to S$100,000; Occupation class up to Class 3

Base premium
Occupation classFigure
Class 1S$122.40
Class 2S$144.00
Class 3S$388.60
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

UniPA Value, me and my spouse (S$100,000 each adult)

Offered when Who is covered is Two adults; Sum insured up to S$100,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3

Base premium
Occupation classby Spouse's occupation classUp to 123
Class 1S$244.80S$266.40S$511.00
Class 2S$266.40S$288.00S$532.60
Class 3S$511.00S$532.60S$777.20
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

UniPA Value, family (S$100,000 each adult, S$25,000 each child, children free)

Offered when Who is covered is Two adults and children; Sum insured up to S$100,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Children up to 5

Base premium
Occupation classby Spouse's occupation classUp to 123
Class 1S$244.80S$266.40S$511.00
Class 2S$266.40S$288.00S$532.60
Class 3S$511.00S$532.60S$777.20
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

UniPA Plus (S$200,000)

Offered when Who is covered is One adult; Sum insured up to S$200,000; Occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$200.70
Class 2S$241.70
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

UniPA Plus, me and my spouse (S$200,000 each adult)

Offered when Who is covered is Two adults; Sum insured up to S$200,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2

Base premium
Occupation classby Spouse's occupation classUp to 12
Class 1S$401.40S$442.40
Class 2S$442.40S$483.40
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

UniPA Plus, family (S$200,000 each adult, S$50,000 each child, children free)

Offered when Who is covered is Two adults and children; Sum insured up to S$200,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2; Children up to 5

Base premium
Occupation classby Spouse's occupation classUp to 12
Class 1S$401.40S$442.40
Class 2S$442.40S$483.40
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

UniPA Pro (S$500,000)

Offered when Who is covered is One adult; Sum insured up to S$500,000; Occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$479.60
Class 2S$580.40
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

UniPA Pro, me and my spouse (S$500,000 each adult)

Offered when Who is covered is Two adults; Sum insured up to S$500,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2

Base premium
Occupation classby Spouse's occupation classUp to 12
Class 1S$959.20S$1,060.00
Class 2S$1,060.00S$1,160.80
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

UniPA Pro, family (S$500,000 each adult, S$125,000 each child, children free)

Offered when Who is covered is Two adults and children; Sum insured up to S$500,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2; Children up to 5

Base premium
Occupation classby Spouse's occupation classUp to 12
Class 1S$959.20S$1,060.00
Class 2S$1,060.00S$1,160.80
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

Worked examples

We check the table against these cases before it goes live. Each one matches the insurer's own price to the cent. The working shows where each figure comes from and the sums that give the premium.

ExampleAnswersWorkingPremium
UniPA Value: class 1 (accountant), S$100,000 askedUniPA Value (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Sum insured: S$100,000
  • Occupation class: Class 1
  1. Base S$122.40 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$122.40
  3. + 9% GST = S$133.42
S$133.42
UniPA Plus: class 1 (accountant), S$200,000 askedUniPA Plus (S$200,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Sum insured: S$200,000
  • Occupation class: Class 1
  1. Base S$200.70 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$200.70
  3. + 9% GST = S$218.76
S$218.76
UniPA Pro: class 1 (accountant), S$500,000 askedUniPA Pro (S$500,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Sum insured: S$500,000
  • Occupation class: Class 1
  1. Base S$479.60 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$479.60
  3. + 9% GST = S$522.76
S$522.76
UniPA Plus: class 2 (nurse), S$100,000 askedUniPA Plus (S$200,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Sum insured: S$100,000
  • Occupation class: Class 2
  1. Base S$241.70 (Occupation class Class 2)
  2. × 1.00 (Age Up to 65) = S$241.70
  3. + 9% GST = S$263.45
S$263.45
UniPA Value: class 3 (driver), S$50,000 askedUniPA Value (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Sum insured: S$50,000
  • Occupation class: Class 3
  1. Base S$388.60 (Occupation class Class 3)
  2. × 1.00 (Age Up to 65) = S$388.60
  3. + 9% GST = S$423.57
S$423.57
UniPA Pro, me and my spouse: class 1 (accountant) and class 2 (nurse)UniPA Pro, me and my spouse (S$500,000 each adult)
  • Age: 30
  • Who is covered: Two adults
  • Children: 0
  • Sum insured: S$200,000
  • Occupation class: Class 1
  • Spouse's occupation class: Class 2
  1. Base S$1,060.00 (Occupation class Class 1, Spouse's occupation class 2)
  2. × 1.00 (Age Up to 65) = S$1,060.00
  3. + 9% GST = S$1,155.40
S$1,155.40
Show the other 14 examples
ExampleAnswersWorkingPremium
UniPA Value, me and my spouse: class 3 (driver) and class 3 (driver)UniPA Value, me and my spouse (S$100,000 each adult)
  • Age: 30
  • Who is covered: Two adults
  • Children: 0
  • Sum insured: S$100,000
  • Occupation class: Class 3
  • Spouse's occupation class: Class 3
  1. Base S$777.20 (Occupation class Class 3, Spouse's occupation class 3)
  2. × 1.00 (Age Up to 65) = S$777.20
  3. + 9% GST = S$847.15
S$847.15
UniPA Plus, family: class 2 (nurse) and class 2 (nurse), 3 childrenUniPA Plus, family (S$200,000 each adult, S$50,000 each child, children free)
  • Age: 30
  • Who is covered: Two adults and children
  • Children: 3
  • Sum insured: S$200,000
  • Occupation class: Class 2
  • Spouse's occupation class: Class 2
  1. Base S$483.40 (Occupation class Class 2, Spouse's occupation class 2)
  2. × 1.00 (Age Up to 65) = S$483.40
  3. + 9% GST = S$526.91
S$526.91
UniPA Value, family: class 1 (accountant) and class 3 (driver), 5 childrenUniPA Value, family (S$100,000 each adult, S$25,000 each child, children free)
  • Age: 30
  • Who is covered: Two adults and children
  • Children: 5
  • Sum insured: S$100,000
  • Occupation class: Class 1
  • Spouse's occupation class: Class 3
  1. Base S$511.00 (Occupation class Class 1, Spouse's occupation class 3)
  2. × 1.00 (Age Up to 65) = S$511.00
  3. + 9% GST = S$556.99
S$556.99
UniPA Value: a doctor, UOI class 1 (Medical Professionals)UniPA Value (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Doctor
  • Sum insured: S$100,000
  • Occupation class: Class 2
  1. Base S$122.40 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$122.40
  3. + 9% GST = S$133.42
S$133.42
UniPA Pro: a flight attendant, UOI class 1 (Air Crew & Pilot, off duty only)UniPA Pro (S$500,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Flight attendant
  • Sum insured: S$500,000
  • Occupation class: Class 2
  1. Base S$479.60 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$479.60
  3. + 9% GST = S$522.76
S$522.76
UniPA Plus: an office engineer, UOI class 2 (Engineer)UniPA Plus (S$200,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Engineer (office-based)
  • Sum insured: S$200,000
  • Occupation class: Class 1
  1. Base S$241.70 (Occupation class Class 2)
  2. × 1.00 (Age Up to 65) = S$241.70
  3. + 9% GST = S$263.45
S$263.45
UniPA Value: a security officer, UOI class 2 (Unarmed Security Guard)UniPA Value (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Security officer (unarmed)
  • Sum insured: S$100,000
  • Occupation class: Class 3
  1. Base S$144.00 (Occupation class Class 2)
  2. × 1.00 (Age Up to 65) = S$144.00
  3. + 9% GST = S$156.96
S$156.96
UniPA Value: a fitness instructor, UOI class 3 (Sports/Gym Instructor)UniPA Value (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Fitness or gym instructor
  • Sum insured: S$100,000
  • Occupation class: Class 2
  1. Base S$388.60 (Occupation class Class 3)
  2. × 1.00 (Age Up to 65) = S$388.60
  3. + 9% GST = S$423.57
S$423.57
UniPA Value: a butcher, UOI class 3 (Butcher/fishmonger)UniPA Value (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Butcher
  • Sum insured: S$100,000
  • Occupation class: Class 4
  1. Base S$388.60 (Occupation class Class 3)
  2. × 1.00 (Age Up to 65) = S$388.60
  3. + 9% GST = S$423.57
S$423.57
UniPA Value, me and my spouse: a doctor (UOI class 1) and a fitness instructor (UOI class 3)UniPA Value, me and my spouse (S$100,000 each adult)
  • Age: 30
  • Who is covered: Two adults
  • Children: 0
  • Occupation: Doctor
  • Sum insured: S$100,000
  • Occupation class: Class 2
  • Spouse's occupation: Fitness or gym instructor
  • Spouse's occupation class: Class 2
  1. Base S$511.00 (Occupation class Class 1, Spouse's occupation class 3)
  2. × 1.00 (Age Up to 65) = S$511.00
  3. + 9% GST = S$556.99
S$556.99
UniPA Pro: a clinic nurse, UOI class 1 (Nurse (Outpatient clinic))UniPA Pro (S$500,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Nurse (clinic or outpatient)
  • Sum insured: S$500,000
  • Occupation class: Class 2
  1. Base S$479.60 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$479.60
  3. + 9% GST = S$522.76
S$522.76
UniPA Value: a chauffeur, UOI class 3 (Driver)UniPA Value (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Chauffeur or private driver
  • Sum insured: S$100,000
  • Occupation class: Class 2
  1. Base S$388.60 (Occupation class Class 3)
  2. × 1.00 (Age Up to 65) = S$388.60
  3. + 9% GST = S$423.57
S$423.57
UniPA Pro: a full-time national serviceman, UOI class 1 (National Service Full-time, off duty only)UniPA Pro (S$500,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Full-time national serviceman (NSF)
  • Sum insured: S$500,000
  • Occupation class: Class 3
  1. Base S$479.60 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$479.60
  3. + 9% GST = S$522.76
S$522.76
UniPA Plus: a police, SAF or civil defence office worker, UOI class 1 (SAF/SPF/SCDF/National Service Admin Personnel)UniPA Plus (S$200,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Police, SAF or civil defence (office or admin work only)
  • Sum insured: S$200,000
  • Occupation class: Class 3
  1. Base S$200.70 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$200.70
  3. + 9% GST = S$218.76
S$218.76

Where the figures come from

Plus 3 files of saved quotes, data and screenshots from UOI's online quote tool, kept with the table.

Before going live the table was checked against the insurer's own online quotes.

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