Personal accident insurance
AIG vs MSIG personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, AIG was cheaper on 1, MSIG on 9. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | AIG | MSIG |
|---|---|---|
| Accountant, S$200,000 cover | S$305.20Sapphire Enhanced Choices Preferred, Basic package (S$200,000)as at 12 Oct 2026 | S$322.73PA RecoveryPlus Gold (S$200,000)as 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$154.78ProtectionPlus Silver (S$100,000)as 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$125.35ProtectionPlus Silver (S$100,000)as 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$125.35ProtectionPlus Silver (S$100,000)as 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 | S$207.10ProtectionPlus Silver (S$100,000)as at 19 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$238.17ProtectionPlus Silver, me and my spouse (S$100,000 each adult)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$136.25ProtectionPlus Silver, me and my children (S$100,000)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$147.15ProtectionPlus Silver, me and my children (S$100,000)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$238.17ProtectionPlus Silver, my family (S$100,000 each adult)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$238.17ProtectionPlus Silver, my family (S$100,000 each adult)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 | MSIG |
|---|---|---|
| Accident medical expenses | S$6,000 per accident, plus S$4,000 for mobility aids and ambulance | S$2,000 per injury; alternative treatment S$400 (S$40 a visit); mobility aid S$2,000 |
| Hospital cash | S$100 a day in hospital after an injury | S$100 a day up to 365 days (doubled in ICU up to 30 days); S$100 a day for dengue, food poisoning or HFMD up to 50 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 | Hospital income for dengue, food poisoning and hand, foot and mouth disease only |
| 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 MSIG cheaper for personal accident insurance?
Of the 10 examples both price, AIG was cheaper on 1, MSIG on 9. Your own answers can change the order, so get your own quote.
How does AIG's cover compare with MSIG's?
On each one's cheapest plan for accountant, S$200,000 cover (AIG Sapphire Enhanced Choices Preferred, Basic package (S$200,000), MSIG PA RecoveryPlus Gold (S$200,000)): Accident medical expenses: AIG S$6,000 per accident, plus S$4,000 for mobility aids and ambulance, MSIG S$2,000 per injury; alternative treatment S$400 (S$40 a visit); mobility aid S$2,000; Hospital cash: AIG S$100 a day in hospital after an injury, MSIG S$100 a day up to 365 days (doubled in ICU up to 30 days); S$100 a day for dengue, food poisoning or HFMD up to 50 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, MSIG Hospital income for dengue, food poisoning and hand, foot and mouth disease only; Excess: AIG S$0.00, MSIG S$0.00.
What discounts are AIG and MSIG running?
AIG: none to show. MSIG: 15% off; 20% off.