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Personal accident insurance

Allianz vs HL Assurance personal accident insurance

As of 28 Oct 2026 (Singapore time)

Of the 10 examples both price, Allianz 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.
ExampleAllianzHL Assurance
Accountant, S$200,000 coverS$378.94Accident Protect Plus Gold (S$250,000)as at 19 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$171.14Accident Protect Plus Silver (S$100,000)as at 19 Oct 2026S$135.25Family Protect360 Silver (S$100,000 an adult)as at 8 Oct 2026code SAVE30
Technician, S$500,000 coverS$709.02Accident Protect Plus Platinum (S$500,000)as at 19 Oct 2026No online price
Class 1 job, S$50,000 coverS$171.14Accident Protect Plus Silver (S$100,000)as at 19 Oct 2026S$51.27Family Protect360 Bronze (S$50,000 an adult)as at 8 Oct 2026code SAVE30
Class 2 job, S$50,000 coverS$281.15Accident Protect Plus Silver (S$100,000)as at 19 Oct 2026S$51.27Family Protect360 Bronze (S$50,000 an adult)as at 8 Oct 2026code SAVE30
Class 3 job, S$50,000 coverS$171.14Accident Protect Plus Silver (S$100,000)as at 19 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$290.94Accident Protect Plus Silver, me and my spouse (S$100,000 each adult; 15% off the whole premium)as at 19 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$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 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$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 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$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 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$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 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: Allianz Accident Protect Plus Gold (S$250,000), HL Assurance Family Protect360 Premier (S$250,000 an adult).
CoverAllianzHL Assurance
Accident medical expensesS$5,000 per accident, inpatient and outpatient for up to 12 months, including chiropractor, TCM practitioner and physiotherapist and ambulance or taxi to hospitalS$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, 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 disablementNot 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)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)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
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 Allianz or HL Assurance cheaper for personal accident insurance?

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

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

On each one's cheapest plan for accountant, S$200,000 cover (Allianz Accident Protect Plus Gold (S$250,000), HL Assurance Family Protect360 Premier (S$250,000 an adult)): 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, 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: 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, 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): 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), 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: Allianz S$0.00, HL Assurance S$0.00.

What discounts are Allianz and HL Assurance running?

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