Personal accident insurance
Allianz vs HSBC Life personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, Allianz was cheaper on 4, HSBC Life on 5. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Allianz | HSBC Life |
|---|---|---|
| Accountant, S$200,000 cover | S$378.94Accident Protect Plus Gold (S$250,000)as at 19 Oct 2026 | S$204.92HSBC Life Band Aid Package 2 (S$200,000), basic planas at 19 Oct 2026 |
| Sales executive who travels for work, S$100,000 cover | S$171.14Accident Protect Plus Silver (S$100,000)as at 19 Oct 2026 | S$112.27HSBC Life Band Aid Package 1 (S$100,000), basic planas at 19 Oct 2026 |
| Technician, S$500,000 cover | S$709.02Accident Protect Plus Platinum (S$500,000)as at 19 Oct 2026 | No online price |
| Class 1 job, S$50,000 cover | S$171.14Accident Protect Plus Silver (S$100,000)as at 19 Oct 2026 | S$102.46HSBC Life Band Aid Package 1 (S$100,000), basic planas at 19 Oct 2026 |
| Class 2 job, S$50,000 cover | S$281.15Accident Protect Plus Silver (S$100,000)as at 19 Oct 2026 | S$112.27HSBC Life Band Aid Package 1 (S$100,000), basic planas at 19 Oct 2026 |
| Class 3 job, S$50,000 cover | S$171.14Accident Protect Plus Silver (S$100,000)as at 19 Oct 2026 | No online price |
| You and your spouse, S$50,000 cover | S$290.94Accident Protect Plus Silver, me and my spouse (S$100,000 each adult; 15% off the whole premium)as at 19 Oct 2026 | S$204.92HSBC Life Band Aid Package 1 (S$100,000), basic plan, me and my spouse (one policy each)as at 19 Oct 2026 |
| You and 1 child, S$50,000 cover | S$187.03Accident Protect Plus Silver, me and my children (S$100,000; each child on the Child plan, S$48.90; 15% off the whole premium)as at 19 Oct 2026 | S$512.30HSBC Life Band Aid Package 3 (S$500,000), basic plan, me and my children (children free)as at 19 Oct 2026 |
| You and 2 children, S$50,000 cover | S$228.60Accident Protect Plus Silver, me and my children (S$100,000; each child on the Child plan, S$48.90; 15% off the whole premium)as at 19 Oct 2026 | S$512.30HSBC Life Band Aid Package 3 (S$500,000), basic plan, me and my children (children free)as at 19 Oct 2026 |
| Family: you, your spouse and 1 child, S$50,000 cover | S$332.50Accident Protect Plus Silver, family (S$100,000 each adult; each child on the Child plan, S$48.90; 15% off the whole premium)as at 19 Oct 2026 | S$1,024.60HSBC Life Band Aid Package 3 (S$500,000), basic plan, family (one policy each adult, children free)as at 19 Oct 2026 |
| Family: you, your spouse and 2 children, S$50,000 cover | S$374.07Accident Protect Plus Silver, family (S$100,000 each adult; each child on the Child plan, S$48.90; 15% off the whole premium)as at 19 Oct 2026 | S$1,024.60HSBC Life Band Aid Package 3 (S$500,000), basic plan, family (one policy each adult, children free)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 | Allianz | HSBC Life |
|---|---|---|
| Accident medical expenses | S$5,000 per accident, inpatient and outpatient for up to 12 months, including chiropractor, TCM practitioner and physiotherapist and ambulance or taxi to hospital | Not included in the basic plan (optional benefit, extra premium) |
| Hospital cash | S$100 a day, up to 750 days per accident; ICU S$200 a day up to 90 days; recuperation S$50 a day up to 30 days; weekly cash S$100 for total temporary disablement | Not included in the basic plan (optional benefit, extra premium) |
| Infectious diseases (e.g. dengue) | S$200 lump sum per diagnosis event for 27 listed infectious diseases including dengue, hand foot and mouth disease, Zika, malaria and measles (30-day waiting period) | Not included in the basic plan (optional benefit, extra premium) |
| 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 Allianz or HSBC Life cheaper for personal accident insurance?
Of the 9 examples both price, Allianz was cheaper on 4, HSBC Life on 5. Your own answers can change the order, so get your own quote.
How does Allianz's cover compare with HSBC Life's?
On each one's cheapest plan for accountant, S$200,000 cover (Allianz Accident Protect Plus Gold (S$250,000), HSBC Life HSBC Life Band Aid Package 2 (S$200,000), basic plan): Accident medical expenses: Allianz S$5,000 per accident, inpatient and outpatient for up to 12 months, including chiropractor, TCM practitioner and physiotherapist and ambulance or taxi to hospital, HSBC Life Not included in the basic plan (optional benefit, extra premium); Hospital cash: Allianz S$100 a day, up to 750 days per accident; ICU S$200 a day up to 90 days; recuperation S$50 a day up to 30 days; weekly cash S$100 for total temporary disablement, HSBC Life Not included in the basic plan (optional benefit, extra premium); Infectious diseases (e.g. dengue): Allianz S$200 lump sum per diagnosis event for 27 listed infectious diseases including dengue, hand foot and mouth disease, Zika, malaria and measles (30-day waiting period), HSBC Life Not included in the basic plan (optional benefit, extra premium); Excess: Allianz S$0.00, HSBC Life S$0.00.
What discounts are Allianz and HSBC Life running?
Allianz: none to show. HSBC Life: none to show.