Personal accident insurance
AIG vs Allianz personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, AIG was cheaper on 3, Allianz on 7. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | AIG | Allianz |
|---|---|---|
| Accountant, S$200,000 cover | S$305.20Sapphire Enhanced Choices Preferred, Basic package (S$200,000)as at 12 Oct 2026 | S$378.94Accident Protect Plus Gold (S$250,000)as at 19 Oct 2026 |
| Sales executive who travels for work, S$100,000 cover | S$173.31Sapphire Enhanced Choices Standard, Basic package (S$100,000)as at 12 Oct 2026 | S$171.14Accident Protect Plus Silver (S$100,000)as at 19 Oct 2026 |
| Technician, S$500,000 cover | No online price | S$709.02Accident Protect Plus Platinum (S$500,000)as at 19 Oct 2026 |
| Class 1 job, S$50,000 cover | S$173.31Sapphire Enhanced Choices Standard, Basic package (S$100,000)as at 12 Oct 2026 | S$171.14Accident Protect Plus Silver (S$100,000)as at 19 Oct 2026 |
| Class 2 job, S$50,000 cover | S$173.31Sapphire Enhanced Choices Standard, Basic package (S$100,000)as at 12 Oct 2026 | S$281.15Accident Protect Plus Silver (S$100,000)as at 19 Oct 2026 |
| Class 3 job, S$50,000 cover | S$346.62Sapphire Enhanced Choices Standard, Basic package (S$100,000)as at 12 Oct 2026 | S$171.14Accident Protect Plus Silver (S$100,000)as at 19 Oct 2026 |
| You and your spouse, S$50,000 cover | S$346.62Sapphire Enhanced Choices Standard, Basic package, me and my spouse (S$100,000 each adult)as at 12 Oct 2026 | S$290.94Accident Protect Plus Silver, me and my spouse (S$100,000 each adult; 15% off the whole premium)as at 19 Oct 2026 |
| You and 1 child, S$50,000 cover | S$259.97Sapphire Enhanced Choices Standard, Basic package, me and my children (S$100,000)as at 12 Oct 2026 | S$187.03Accident Protect Plus Silver, me and my children (S$100,000; each child on the Child plan, S$48.90; 15% off the whole premium)as at 19 Oct 2026 |
| You and 2 children, S$50,000 cover | S$259.97Sapphire Enhanced Choices Standard, Basic package, me and my children (S$100,000)as at 12 Oct 2026 | S$228.60Accident Protect Plus Silver, me and my children (S$100,000; each child on the Child plan, S$48.90; 15% off the whole premium)as at 19 Oct 2026 |
| Family: you, your spouse and 1 child, S$50,000 cover | S$346.62Sapphire Enhanced Choices Standard, Basic package, family (S$100,000 each adult)as at 12 Oct 2026 | S$332.50Accident Protect Plus Silver, family (S$100,000 each adult; each child on the Child plan, S$48.90; 15% off the whole premium)as at 19 Oct 2026 |
| Family: you, your spouse and 2 children, S$50,000 cover | S$346.62Sapphire Enhanced Choices Standard, Basic package, family (S$100,000 each adult)as at 12 Oct 2026 | S$374.07Accident Protect Plus Silver, family (S$100,000 each adult; each child on the Child plan, S$48.90; 15% off the whole premium)as at 19 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 | AIG | Allianz |
|---|---|---|
| Accident medical expenses | S$6,000 per accident, plus S$4,000 for mobility aids and ambulance | S$5,000 per accident, inpatient and outpatient for up to 12 months, including chiropractor, TCM practitioner and physiotherapist and ambulance or taxi to hospital |
| Hospital cash | S$100 a day in hospital after an injury | S$100 a day, up to 750 days per accident; ICU S$200 a day up to 90 days; recuperation S$50 a day up to 30 days; weekly cash S$100 for total temporary disablement |
| Infectious diseases (e.g. dengue) | Dengue and other insect or animal bites and food poisoning are covered as accidents; the Infectious Disease Recovery Cover is in the Comprehensive package only | S$200 lump sum per diagnosis event for 27 listed infectious diseases including dengue, hand foot and mouth disease, Zika, malaria and measles (30-day waiting period) |
| 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 AIG or Allianz cheaper for personal accident insurance?
Of the 10 examples both price, AIG was cheaper on 3, Allianz on 7. Your own answers can change the order, so get your own quote.
How does AIG's cover compare with Allianz's?
On each one's cheapest plan for accountant, S$200,000 cover (AIG Sapphire Enhanced Choices Preferred, Basic package (S$200,000), Allianz Accident Protect Plus Gold (S$250,000)): Accident medical expenses: AIG S$6,000 per accident, plus S$4,000 for mobility aids and ambulance, Allianz S$5,000 per accident, inpatient and outpatient for up to 12 months, including chiropractor, TCM practitioner and physiotherapist and ambulance or taxi to hospital; Hospital cash: AIG S$100 a day in hospital after an injury, Allianz S$100 a day, up to 750 days per accident; ICU S$200 a day up to 90 days; recuperation S$50 a day up to 30 days; weekly cash S$100 for total temporary disablement; Infectious diseases (e.g. dengue): AIG Dengue and other insect or animal bites and food poisoning are covered as accidents; the Infectious Disease Recovery Cover is in the Comprehensive package only, Allianz S$200 lump sum per diagnosis event for 27 listed infectious diseases including dengue, hand foot and mouth disease, Zika, malaria and measles (30-day waiting period); Excess: AIG S$0.00, Allianz S$0.00.
What discounts are AIG and Allianz running?
AIG: none to show. Allianz: none to show.