UniPA

Personal accident plan by UOI. Premium available on quote. Accidental death up to S$500,000, permanent disability up to S$500,000.

By MoneyAtlas Research · Verified 12 Jul 2026 · How we verify & rank

Last verified 12 Jul 2026 · 1 official source · pa-2026-07-12

Last verified12 Jul 2026

Data versionpa-2026-07-12

Verified sources1 of 1

UOI UniPA — official product page

From the insurer's official product page. A headline sum is a ceiling; actual payout depends on the event, disability scale, occupation, exclusions and policy wording.

Spotted a figure that looks wrong or out of date? Report a data error— we’ll check it and correct it openly.

Plan facts

Occupation basisPublic brochure represents Occupation Class 1 terms

Entry ageNew applications to 65

Renewal / continuationRenewable to 70

PricingNo public tariff located

PlansValue · Plus · Pro

Benefits

Accidental death / PTD age 65 or below100,000 | 200,000 | 500,000

Accidental death / PTD age 66+50,000 | 100,000 | 250,000

Accident medical2,000 | 3,000 | 5,000

TCM / chiropractic500 | 750 | 1,000

Physiotherapy500 | 1,000 | 1,500

Ambulance300 | 300 | 500

Evacuation/repatriation age 65 or below50,000 | 100,000 | 250,000

Evacuation/repatriation age 66+10,000 | 20,000 | 50,000

No-claim bonus5% increase in specified sum insured each year for up to five years.

Premium refundFull premium refund benefit subject to policy conditions.

The balanced take

AI-drafted · human-reviewed · 12 Jul 2026

A plan with clear senior-benefit tables, distinct physiotherapy cover and a premium-refund feature, though its public brochure only covers lower-risk occupations.

Commonly praised

Clear senior benefit-reduction table
Separate physiotherapy and complementary medicine
No-claim bonus and premium-refund feature

Common trade-offs

No public premium table found
Public brochure limited to lower-risk (Class 1) terms
Renewal age ceiling lower than some rivals

AI-drafted from this plan's documented strengths and trade-offs, then reviewed by our team. It is an educational synthesis of published product facts — not consumer reviews, an insurer statement, or financial advice. Confirm details with the insurer or a licensed adviser.

Community reviews

No reviews yet. Been on this plan? Be the first to share your experience.

Reviews are individual opinions submitted by the public and may be biased or not reflect your experience. They are moderated for spam and abuse, not fact-checked, and are separate from our source-backed data and the balanced take above.

Speak to an adviser about UOI UniPA

An adviser can help you:

Match the plan and tier to your occupation, activities and budget
Weigh the trade-offs above against comparable plans
Get a firm quote — including plans that only price on request

Speak to an adviser →

Are you an adviser? This is the simple public version. Join AdvisorOS for the advanced calculators, AI-assisted client reviews and the full workspace behind these tools.

UOI UniPAfigures are indicative, for comparison and education only, from the insurer’s published 2026 material. Actual premiums, occupation loading, eligibility, exclusions and payouts depend on your circumstances and the policy contract. This page does not rank plans or recommend a product. Confirm with UOI or a licensed financial adviser before any decision.