Personal accident insurance
AIG vs FWD personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 7 examples both price, AIG was cheaper on 2, FWD on 5. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | AIG | FWD |
|---|---|---|
| Accountant, S$200,000 cover | S$305.20Sapphire Enhanced Choices Preferred, Basic package (S$200,000)as at 12 Oct 2026 | S$283.84FWD Life PA S$200,000 (Plan B)as at 5 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$168.95FWD Life PA S$100,000 (Plan A)as at 5 Oct 2026 |
| Technician, S$500,000 cover | No online price | S$1,117.03FWD Life PA S$500,000 (Plan C)as at 5 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$168.95FWD Life PA S$100,000 (Plan A)as at 5 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$168.95FWD Life PA S$100,000 (Plan A)as at 5 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$301.93FWD Life PA S$100,000 (Plan A)as at 5 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 | No online price |
| 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$337.90FWD Life PA S$100,000 (Plan A), me and my childrenas at 5 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$506.85FWD Life PA S$100,000 (Plan A), me and my childrenas at 5 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 | No online price |
| 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 | No online price |
| 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 | FWD |
|---|---|---|
| Accident medical expenses | S$6,000 per accident, plus S$4,000 for mobility aids and ambulance | S$3,000 per accident, inpatient and outpatient (TCM, acupuncture or chiropractor S$1,000, up to S$100 a visit; physiotherapy S$1,000) |
| Hospital cash | S$100 a day in hospital after an injury | Not included in the base plan (Income Support Rider, 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 | 24 infectious diseases including dengue, HFMD and Zika, and food poisoning, treated as accidents for the death and disability and medical expenses benefits (14-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 FWD cheaper for personal accident insurance?
Of the 7 examples both price, AIG was cheaper on 2, FWD on 5. Your own answers can change the order, so get your own quote.
How does AIG's cover compare with FWD's?
On each one's cheapest plan for accountant, S$200,000 cover (AIG Sapphire Enhanced Choices Preferred, Basic package (S$200,000), FWD FWD Life PA S$200,000 (Plan B)): Accident medical expenses: AIG S$6,000 per accident, plus S$4,000 for mobility aids and ambulance, FWD S$3,000 per accident, inpatient and outpatient (TCM, acupuncture or chiropractor S$1,000, up to S$100 a visit; physiotherapy S$1,000); Hospital cash: AIG S$100 a day in hospital after an injury, FWD Not included in the base plan (Income Support Rider, 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, FWD 24 infectious diseases including dengue, HFMD and Zika, and food poisoning, treated as accidents for the death and disability and medical expenses benefits (14-day waiting period); Excess: AIG S$0.00, FWD S$0.00.
What discounts are AIG and FWD running?
AIG: none to show. FWD: none to show.