Personal accident insurance
Allianz vs FWD personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 8 examples both price, Allianz was cheaper on 4, FWD on 4. Neither is cheaper overall. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Allianz | FWD |
|---|---|---|
| Accountant, S$200,000 cover | S$378.94Accident Protect Plus Gold (S$250,000)as at 19 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$171.14Accident Protect Plus Silver (S$100,000)as at 19 Oct 2026 | S$168.95FWD Life PA S$100,000 (Plan A)as at 5 Oct 2026 |
| Technician, S$500,000 cover | S$709.02Accident Protect Plus Platinum (S$500,000)as at 19 Oct 2026 | S$1,117.03FWD Life PA S$500,000 (Plan C)as at 5 Oct 2026 |
| Class 1 job, S$50,000 cover | S$171.14Accident Protect Plus Silver (S$100,000)as at 19 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$281.15Accident Protect Plus Silver (S$100,000)as at 19 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$171.14Accident Protect Plus Silver (S$100,000)as at 19 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$290.94Accident Protect Plus Silver, me and my spouse (S$100,000 each adult; 15% off the whole premium)as at 19 Oct 2026 | No online price |
| 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$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$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$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$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 | No online price |
| 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 | 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 | Allianz | FWD |
|---|---|---|
| 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 | 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, 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 base plan (Income Support Rider, 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) | 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 Allianz or FWD cheaper for personal accident insurance?
Of the 8 examples both price, Allianz was cheaper on 4, FWD on 4. Neither is cheaper overall. Your own answers can change the order, so get your own quote.
How does Allianz's cover compare with FWD's?
On each one's cheapest plan for accountant, S$200,000 cover (Allianz Accident Protect Plus Gold (S$250,000), FWD FWD Life PA S$200,000 (Plan B)): 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, 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: 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, FWD Not included in the base plan (Income Support Rider, 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), 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: Allianz S$0.00, FWD S$0.00.
What discounts are Allianz and FWD running?
Allianz: none to show. FWD: none to show.