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Personal accident insurance

AIG vs HL Assurance personal accident insurance

As of 28 Oct 2026 (Singapore time)

Of the 10 examples both price, AIG was cheaper on 1, HL Assurance on 9. Your own answers can change the order, so get your own quote.

Lowest price on each example

Each insurer's cheapest plan for the example, with any discount it is running taken off.
ExampleAIGHL Assurance
Accountant, S$200,000 coverS$305.20Sapphire Enhanced Choices Preferred, Basic package (S$200,000)as at 12 Oct 2026S$495.96Family Protect360 Premier (S$250,000 an adult)as at 8 Oct 2026code SAVE30
Sales executive who travels for work, S$100,000 coverS$173.31Sapphire Enhanced Choices Standard, Basic package (S$100,000)as at 12 Oct 2026S$135.25Family Protect360 Silver (S$100,000 an adult)as at 8 Oct 2026code SAVE30
Technician, S$500,000 coverNo online priceNo online price
Class 1 job, S$50,000 coverS$173.31Sapphire Enhanced Choices Standard, Basic package (S$100,000)as at 12 Oct 2026S$51.27Family Protect360 Bronze (S$50,000 an adult)as at 8 Oct 2026code SAVE30
Class 2 job, S$50,000 coverS$173.31Sapphire Enhanced Choices Standard, Basic package (S$100,000)as at 12 Oct 2026S$51.27Family Protect360 Bronze (S$50,000 an adult)as at 8 Oct 2026code SAVE30
Class 3 job, S$50,000 coverS$346.62Sapphire Enhanced Choices Standard, Basic package (S$100,000)as at 12 Oct 2026S$51.27Family Protect360 Bronze (S$50,000 an adult)as at 8 Oct 2026code SAVE30
You and your spouse, S$50,000 coverS$346.62Sapphire Enhanced Choices Standard, Basic package, me and my spouse (S$100,000 each adult)as at 12 Oct 2026S$135.25Family Protect360 Bronze, Family (me and my spouse; S$50,000 an adult; priced as the Family plan)as at 8 Oct 2026code SAVE30
You and 1 child, S$50,000 coverS$259.97Sapphire Enhanced Choices Standard, Basic package, me and my children (S$100,000)as at 12 Oct 2026S$135.25Family Protect360 Bronze, Myself With Child(ren) (S$50,000 an adult, S$10,000 a child)as at 8 Oct 2026code SAVE30
You and 2 children, S$50,000 coverS$259.97Sapphire Enhanced Choices Standard, Basic package, me and my children (S$100,000)as at 12 Oct 2026S$135.25Family Protect360 Bronze, Myself With Child(ren) (S$50,000 an adult, S$10,000 a child)as at 8 Oct 2026code SAVE30
Family: you, your spouse and 1 child, S$50,000 coverS$346.62Sapphire Enhanced Choices Standard, Basic package, family (S$100,000 each adult)as at 12 Oct 2026S$135.25Family Protect360 Bronze, Family (S$50,000 an adult, S$10,000 a child)as at 8 Oct 2026code SAVE30
Family: you, your spouse and 2 children, S$50,000 coverS$346.62Sapphire Enhanced Choices Standard, Basic package, family (S$100,000 each adult)as at 12 Oct 2026S$135.25Family Protect360 Bronze, Family (S$50,000 an adult, S$10,000 a child)as at 8 Oct 2026code SAVE30
1 child on their ownNo online priceNo 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

Each insurer's cheapest plan for accountant, S$200,000 cover: AIG Sapphire Enhanced Choices Preferred, Basic package (S$200,000), HL Assurance Family Protect360 Premier (S$250,000 an adult).
CoverAIGHL Assurance
Accident medical expensesS$6,000 per accident, plus S$4,000 for mobility aids and ambulanceS$2,500 an adult, including Chinese physician or chiropractor treatment up to 50% of the limit and ambulance charges up to S$200 an injury
Hospital cashS$100 a day in hospital after an injuryNot covered; income protector S$1,000 a month up to S$6,000 after permanent total disablement, home care S$2,500
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 onlyCovered: medical expenses for 20 named infectious diseases including dengue fever, hand, foot and mouth disease, Zika and malaria, within the S$2,500 medical limit, after a 14-day waiting period; cover ceases once an epidemic or pandemic is declared
ExcessS$0.00S$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 quote

Questions people ask

Is AIG or HL Assurance cheaper for personal accident insurance?

Of the 10 examples both price, AIG was cheaper on 1, HL Assurance on 9. Your own answers can change the order, so get your own quote.

How does AIG's cover compare with HL Assurance's?

On each one's cheapest plan for accountant, S$200,000 cover (AIG Sapphire Enhanced Choices Preferred, Basic package (S$200,000), HL Assurance Family Protect360 Premier (S$250,000 an adult)): Accident medical expenses: AIG S$6,000 per accident, plus S$4,000 for mobility aids and ambulance, HL Assurance S$2,500 an adult, including Chinese physician or chiropractor treatment up to 50% of the limit and ambulance charges up to S$200 an injury; Hospital cash: AIG S$100 a day in hospital after an injury, HL Assurance Not covered; income protector S$1,000 a month up to S$6,000 after permanent total disablement, home care S$2,500; 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, HL Assurance Covered: medical expenses for 20 named infectious diseases including dengue fever, hand, foot and mouth disease, Zika and malaria, within the S$2,500 medical limit, after a 14-day waiting period; cover ceases once an epidemic or pandemic is declared; Excess: AIG S$0.00, HL Assurance S$0.00.

What discounts are AIG and HL Assurance running?

AIG: none to show. HL Assurance: Promo code SAVE30: 10% + S$30 off.