Personal accident insurance
AIG vs Chubb personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, AIG was cheaper on 8, Chubb on 1. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | AIG | Chubb |
|---|---|---|
| Accountant, S$200,000 cover | S$305.20Sapphire Enhanced Choices Preferred, Basic package (S$200,000)as at 12 Oct 2026 | No online price |
| 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$251.94DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)as at 20 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$251.94DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)as at 20 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$251.94DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)as at 20 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$251.94DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)as at 20 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$453.49DBS MultiGen Protect Classic, me and my spouse (S$100,000 each adult; 10% multi-member discount)as at 20 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$374.28DBS MultiGen Protect Classic, me and my children (S$100,000; each child S$60,000 disability; 10-20% multi-member discount)as at 20 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$492.83DBS MultiGen Protect Classic, me and my children (S$100,000; each child S$60,000 disability; 10-20% multi-member discount)as at 20 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$567.64DBS MultiGen Protect Classic, family (S$100,000 each adult; each child S$60,000 disability; 15-20% multi-member discount)as at 20 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$706.98DBS MultiGen Protect Classic, family (S$100,000 each adult; each child S$60,000 disability; 15-20% multi-member discount)as at 20 Oct 2026 |
| 1 child on their own | No online price | S$163.93DBS MultiGen Protect Classic, children only (S$60,000 disability each child; 10-15% multi-member discount from two children)as at 20 Oct 2026 |
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 | Chubb |
|---|---|---|
| Accident medical expenses | S$2,000 per accident, plus S$4,000 for mobility aids and ambulance | S$2,000 per accident (alternative medicine such as TCM or chiropractic S$50 a visit, S$500 per accident) |
| Hospital cash | S$50 a day in hospital after an injury | Not for an accident stay: S$100 a day (up to 60 days) only while in hospital for dengue, food poisoning or HFMD |
| 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 | Covered: S$100 a day (up to 60 days) in hospital for dengue fever, dengue haemorrhagic fever, food poisoning or HFMD |
| 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 Chubb cheaper for personal accident insurance?
Of the 9 examples both price, AIG was cheaper on 8, Chubb on 1. Your own answers can change the order, so get your own quote.
How does AIG's cover compare with Chubb's?
On each one's cheapest plan for sales executive who travels for work, S$100,000 cover (AIG Sapphire Enhanced Choices Standard, Basic package (S$100,000), Chubb DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)): Accident medical expenses: AIG S$2,000 per accident, plus S$4,000 for mobility aids and ambulance, Chubb S$2,000 per accident (alternative medicine such as TCM or chiropractic S$50 a visit, S$500 per accident); Hospital cash: AIG S$50 a day in hospital after an injury, Chubb Not for an accident stay: S$100 a day (up to 60 days) only while in hospital for dengue, food poisoning or HFMD; 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, Chubb Covered: S$100 a day (up to 60 days) in hospital for dengue fever, dengue haemorrhagic fever, food poisoning or HFMD; Excess: AIG S$0.00, Chubb S$0.00.
What discounts are AIG and Chubb running?
AIG: none to show. Chubb: none to show.