Personal accident insurance
Singlife vs HL Assurance personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, Singlife 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
| Example | Singlife | HL Assurance |
|---|---|---|
| Accountant, S$200,000 cover | S$423.57Personal Accident Standard (S$200,000)as at 5 Oct 2026 | S$495.96Family Protect360 Premier (S$250,000 an adult)as at 8 Oct 2026code SAVE30 |
| Sales executive who travels for work, S$100,000 cover | S$285.23Personal Accident Lite (S$100,000)as at 5 Oct 2026 | S$135.25Family Protect360 Silver (S$100,000 an adult)as at 8 Oct 2026code SAVE30 |
| Technician, S$500,000 cover | No online price | No online price |
| Class 1 job, S$50,000 cover | S$285.23Personal Accident Lite (S$100,000)as at 5 Oct 2026 | S$51.27Family Protect360 Bronze (S$50,000 an adult)as at 8 Oct 2026code SAVE30 |
| Class 2 job, S$50,000 cover | S$328.02Personal Accident Lite (S$100,000)as at 5 Oct 2026 | S$51.27Family Protect360 Bronze (S$50,000 an adult)as at 8 Oct 2026code SAVE30 |
| Class 3 job, S$50,000 cover | S$570.46Personal Accident Lite (S$100,000)as at 5 Oct 2026 | S$51.27Family Protect360 Bronze (S$50,000 an adult)as at 8 Oct 2026code SAVE30 |
| You and your spouse, S$50,000 cover | S$513.43Personal Accident Lite, me and my spouse (S$100,000 each adult)as at 5 Oct 2026 | S$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 cover | S$285.23Personal Accident Lite, me and my children (S$100,000)as at 5 Oct 2026 | S$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 cover | S$285.23Personal Accident Lite, me and my children (S$100,000)as at 5 Oct 2026 | S$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 cover | S$513.43Personal Accident Lite, family (S$100,000 each adult)as at 5 Oct 2026 | S$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 cover | S$513.43Personal Accident Lite, family (S$100,000 each adult)as at 5 Oct 2026 | S$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 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 | Singlife | HL Assurance |
|---|---|---|
| Accident medical expenses | S$4,000 for hospital or doctor treatment; TCM or chiropractor up to S$750 (S$75 a day) within it; physiotherapy S$2,000 | 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 | S$100 a day up to 365 days; ICU S$200 a day up to 30 days | 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) | Medical expenses for dengue, Zika, insect or animal bites and food poisoning within the medical expenses limit; COVID-19 treatment in Singapore after a 14-day wait | 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 | S$0.00 | S$0.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
- Singlife: none to show
- HL Assurance: Promo code SAVE30: 10% + S$30 off
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is Singlife or HL Assurance cheaper for personal accident insurance?
Of the 10 examples both price, Singlife was cheaper on 1, HL Assurance on 9. Your own answers can change the order, so get your own quote.
How does Singlife's cover compare with HL Assurance's?
On each one's cheapest plan for accountant, S$200,000 cover (Singlife Personal Accident Standard (S$200,000), HL Assurance Family Protect360 Premier (S$250,000 an adult)): Accident medical expenses: Singlife S$4,000 for hospital or doctor treatment; TCM or chiropractor up to S$750 (S$75 a day) within it; physiotherapy S$2,000, 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: Singlife S$100 a day up to 365 days; ICU S$200 a day up to 30 days, 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): Singlife Medical expenses for dengue, Zika, insect or animal bites and food poisoning within the medical expenses limit; COVID-19 treatment in Singapore after a 14-day wait, 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: Singlife S$0.00, HL Assurance S$0.00.
What discounts are Singlife and HL Assurance running?
Singlife: none to show. HL Assurance: Promo code SAVE30: 10% + S$30 off.