Personal accident insurance
AIG vs HSBC Life personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, AIG was cheaper on 4, HSBC Life on 5. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | AIG | HSBC Life |
|---|---|---|
| Accountant, S$200,000 cover | S$305.20Sapphire Enhanced Choices Preferred, Basic package (S$200,000)as at 12 Oct 2026 | S$204.92HSBC Life Band Aid Package 2 (S$200,000), basic planas 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$112.27HSBC Life Band Aid Package 1 (S$100,000), basic planas at 19 Oct 2026 |
| Technician, S$500,000 cover | No online price | No online price |
| Class 1 job, S$50,000 cover | S$173.31Sapphire Enhanced Choices Standard, Basic package (S$100,000)as at 12 Oct 2026 | S$102.46HSBC Life Band Aid Package 1 (S$100,000), basic planas 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$112.27HSBC Life Band Aid Package 1 (S$100,000), basic planas 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 | No online price |
| 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$204.92HSBC Life Band Aid Package 1 (S$100,000), basic plan, me and my spouse (one policy each)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$512.30HSBC Life Band Aid Package 3 (S$500,000), basic plan, me and my children (children free)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$512.30HSBC Life Band Aid Package 3 (S$500,000), basic plan, me and my children (children free)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$1,024.60HSBC Life Band Aid Package 3 (S$500,000), basic plan, family (one policy each adult, children free)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$1,024.60HSBC Life Band Aid Package 3 (S$500,000), basic plan, family (one policy each adult, children free)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 | HSBC Life |
|---|---|---|
| Accident medical expenses | S$6,000 per accident, plus S$4,000 for mobility aids and ambulance | Not included in the basic plan (optional benefit, extra premium) |
| Hospital cash | S$100 a day in hospital after an injury | Not included in the basic plan (optional benefit, extra premium) |
| 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 | Not included in the basic plan (optional benefit, extra premium) |
| 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 HSBC Life cheaper for personal accident insurance?
Of the 9 examples both price, AIG was cheaper on 4, HSBC Life on 5. Your own answers can change the order, so get your own quote.
How does AIG's cover compare with HSBC Life's?
On each one's cheapest plan for accountant, S$200,000 cover (AIG Sapphire Enhanced Choices Preferred, Basic package (S$200,000), HSBC Life HSBC Life Band Aid Package 2 (S$200,000), basic plan): Accident medical expenses: AIG S$6,000 per accident, plus S$4,000 for mobility aids and ambulance, HSBC Life Not included in the basic plan (optional benefit, extra premium); Hospital cash: AIG S$100 a day in hospital after an injury, HSBC Life Not included in the basic plan (optional benefit, extra premium); 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, HSBC Life Not included in the basic plan (optional benefit, extra premium); Excess: AIG S$0.00, HSBC Life S$0.00.
What discounts are AIG and HSBC Life running?
AIG: none to show. HSBC Life: none to show.