Personal accident insurance
HSBC Life vs Chubb personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 8 examples both price, HSBC Life was cheaper on 4, Chubb on 4. Neither is cheaper overall. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | HSBC Life | Chubb |
|---|---|---|
| Accountant, S$200,000 cover | S$204.92HSBC Life Band Aid Package 2 (S$200,000), basic planas at 19 Oct 2026 | No online price |
| Sales executive who travels for work, S$100,000 cover | S$112.27HSBC Life Band Aid Package 1 (S$100,000), basic planas at 19 Oct 2026 | S$251.94DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)as at 20 Oct 2026 |
| Technician, S$500,000 cover | No online price | No online price |
| Class 1 job, S$50,000 cover | S$102.46HSBC Life Band Aid Package 1 (S$100,000), basic planas at 19 Oct 2026 | S$251.94DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)as at 20 Oct 2026 |
| Class 2 job, S$50,000 cover | S$112.27HSBC Life Band Aid Package 1 (S$100,000), basic planas at 19 Oct 2026 | S$251.94DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)as at 20 Oct 2026 |
| Class 3 job, S$50,000 cover | No online price | S$251.94DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)as at 20 Oct 2026 |
| You and your spouse, S$50,000 cover | 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 | S$453.49DBS MultiGen Protect Classic, me and my spouse (S$100,000 each adult; 10% multi-member discount)as at 20 Oct 2026 |
| You and 1 child, S$50,000 cover | S$512.30HSBC Life Band Aid Package 3 (S$500,000), basic plan, me and my children (children free)as at 19 Oct 2026 | S$374.28DBS MultiGen Protect Classic, me and my children (S$100,000; each child S$60,000 disability; 10-20% multi-member discount)as at 20 Oct 2026 |
| You and 2 children, S$50,000 cover | S$512.30HSBC Life Band Aid Package 3 (S$500,000), basic plan, me and my children (children free)as at 19 Oct 2026 | S$492.83DBS MultiGen Protect Classic, me and my children (S$100,000; each child S$60,000 disability; 10-20% multi-member discount)as at 20 Oct 2026 |
| Family: you, your spouse and 1 child, S$50,000 cover | 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 | S$567.64DBS MultiGen Protect Classic, family (S$100,000 each adult; each child S$60,000 disability; 15-20% multi-member discount)as at 20 Oct 2026 |
| Family: you, your spouse and 2 children, S$50,000 cover | 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 | S$706.98DBS MultiGen Protect Classic, family (S$100,000 each adult; each child S$60,000 disability; 15-20% multi-member discount)as at 20 Oct 2026 |
| 1 child on their own | No online price | S$163.93DBS MultiGen Protect Classic, children only (S$60,000 disability each child; 10-15% multi-member discount from two children)as at 20 Oct 2026 |
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 | HSBC Life | Chubb |
|---|---|---|
| Accident medical expenses | Not included in the basic plan (optional benefit, extra premium) | S$2,000 per accident (alternative medicine such as TCM or chiropractic S$50 a visit, S$500 per accident) |
| Hospital cash | Not included in the basic plan (optional benefit, extra premium) | Not for an accident stay: S$100 a day (up to 60 days) only while in hospital for dengue, food poisoning or HFMD |
| Infectious diseases (e.g. HFMD) | Not included in the basic plan (optional benefit, extra premium) | Covered: S$100 a day (up to 60 days) in hospital for dengue fever, dengue haemorrhagic fever, food poisoning or HFMD |
| 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 HSBC Life or Chubb cheaper for personal accident insurance?
Of the 8 examples both price, HSBC Life was cheaper on 4, Chubb on 4. Neither is cheaper overall. Your own answers can change the order, so get your own quote.
How does HSBC Life's cover compare with Chubb's?
On each one's cheapest plan for sales executive who travels for work, S$100,000 cover (HSBC Life HSBC Life Band Aid Package 1 (S$100,000), basic plan, Chubb DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)): Accident medical expenses: HSBC Life Not included in the basic plan (optional benefit, extra premium), Chubb S$2,000 per accident (alternative medicine such as TCM or chiropractic S$50 a visit, S$500 per accident); Hospital cash: HSBC Life Not included in the basic plan (optional benefit, extra premium), Chubb Not for an accident stay: S$100 a day (up to 60 days) only while in hospital for dengue, food poisoning or HFMD; Infectious diseases (e.g. HFMD): HSBC Life Not included in the basic plan (optional benefit, extra premium), Chubb Covered: S$100 a day (up to 60 days) in hospital for dengue fever, dengue haemorrhagic fever, food poisoning or HFMD; Excess: HSBC Life S$0.00, Chubb S$0.00.
What discounts are HSBC Life and Chubb running?
HSBC Life: none to show. Chubb: none to show.