Personal accident insurance
AIG vs Lonpac personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, AIG was cheaper on 2, Lonpac on 7. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | AIG | Lonpac |
|---|---|---|
| Accountant, S$200,000 cover | S$305.20Sapphire Enhanced Choices Preferred, Basic package (S$200,000)as at 12 Oct 2026 | S$303.60Personal CarePlus Standard (S$200,000)as at 11 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$171.20Personal CarePlus Basic (S$100,000)as at 11 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$171.20Personal CarePlus Basic (S$100,000)as at 11 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$171.20Personal CarePlus Basic (S$100,000)as at 11 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$325.28Personal CarePlus Basic, me and my spouse (S$100,000 each adult; spouse 10% off)as at 11 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$205.44Personal CarePlus Basic, me and my children (S$100,000; each child S$34.24, up to 3)as at 11 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$239.68Personal CarePlus Basic, me and my children (S$100,000; each child S$34.24, up to 3)as at 11 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$359.52Personal CarePlus Basic, family (S$100,000 each adult, spouse 10% off; each child S$34.24, up to 3)as at 11 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$393.76Personal CarePlus Basic, family (S$100,000 each adult, spouse 10% off; each child S$34.24, up to 3)as at 11 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 | Lonpac |
|---|---|---|
| Accident medical expenses | S$6,000 per accident, plus S$4,000 for mobility aids and ambulance | S$6,000 a year (TCM S$100 per treatment, up to S$750 a year) |
| Hospital cash | S$100 a day in hospital after an injury | S$100 a day, up to 60 days |
| 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 | Up to S$1,200 for 21 infectious diseases including dengue, Zika, HFMD and MERS; HIV through blood transfusion S$10,000 |
| 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 Lonpac cheaper for personal accident insurance?
Of the 9 examples both price, AIG was cheaper on 2, Lonpac on 7. Your own answers can change the order, so get your own quote.
How does AIG's cover compare with Lonpac's?
On each one's cheapest plan for accountant, S$200,000 cover (AIG Sapphire Enhanced Choices Preferred, Basic package (S$200,000), Lonpac Personal CarePlus Standard (S$200,000)): Accident medical expenses: AIG S$6,000 per accident, plus S$4,000 for mobility aids and ambulance, Lonpac S$6,000 a year (TCM S$100 per treatment, up to S$750 a year); Hospital cash: AIG S$100 a day in hospital after an injury, Lonpac S$100 a day, up to 60 days; 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, Lonpac Up to S$1,200 for 21 infectious diseases including dengue, Zika, HFMD and MERS; HIV through blood transfusion S$10,000; Excess: AIG S$0.00, Lonpac S$0.00.
What discounts are AIG and Lonpac running?
AIG: none to show. Lonpac: none to show.