Personal accident insurance
HSBC Life vs Etiqa personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, HSBC Life was cheaper on 5, Etiqa on 4. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | HSBC Life | Etiqa |
|---|---|---|
| Accountant, S$200,000 cover | S$204.92HSBC Life Band Aid Package 2 (S$200,000), basic planas at 19 Oct 2026 | S$264.49Tiq Personal Accident Enhanced Gold (S$300,000)as at 15 Oct 2026code PA35 |
| 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$194.27Tiq Personal Accident Enhanced Silver (S$125,000)as at 15 Oct 2026code PA35 |
| Technician, S$500,000 cover | No online price | S$566.73Tiq Personal Accident Enhanced Platinum (S$500,000)as at 15 Oct 2026code PA35 |
| 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$162.75Tiq Personal Accident Enhanced Silver (S$125,000)as at 15 Oct 2026code PA35 |
| 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$194.27Tiq Personal Accident Enhanced Silver (S$125,000)as at 15 Oct 2026code PA35 |
| Class 3 job, S$50,000 cover | No online price | S$194.27Tiq Personal Accident Enhanced Silver (S$125,000)as at 15 Oct 2026code PA35 |
| 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$309.22Tiq Personal Accident Enhanced Silver, Me and my spouse (S$125,000 each adult)as at 15 Oct 2026code PA35 |
| 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$216.45Tiq Personal Accident Enhanced Silver, Me and my children (S$125,000)as at 15 Oct 2026code PA35 |
| 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$270.16Tiq Personal Accident Enhanced Silver, Me and my children (S$125,000)as at 15 Oct 2026code PA35 |
| 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$362.93Tiq Personal Accident Enhanced Silver, My family (S$125,000 each adult)as at 15 Oct 2026code PA35 |
| 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$416.63Tiq Personal Accident Enhanced Silver, My family (S$125,000 each adult)as at 15 Oct 2026code PA35 |
| 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 | HSBC Life | Etiqa |
|---|---|---|
| Accident medical expenses | Not included in the basic plan (optional benefit, extra premium) | S$1,500 per accident, inpatient and outpatient together (TCM up to S$150 a visit and S$1,000 an accident) |
| Hospital cash | Not included in the basic plan (optional benefit, extra premium) | S$100 a day, up to 180 days |
| Infectious diseases (e.g. HFMD) | Not included in the basic plan (optional benefit, extra premium) | 22 infectious diseases including dengue and HFMD: medical expenses S$1,500 |
| 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 Etiqa cheaper for personal accident insurance?
Of the 9 examples both price, HSBC Life was cheaper on 5, Etiqa on 4. Your own answers can change the order, so get your own quote.
How does HSBC Life's cover compare with Etiqa's?
On each one's cheapest plan for accountant, S$200,000 cover (HSBC Life HSBC Life Band Aid Package 2 (S$200,000), basic plan, Etiqa Tiq Personal Accident Enhanced Gold (S$300,000)): Accident medical expenses: HSBC Life Not included in the basic plan (optional benefit, extra premium), Etiqa S$1,500 per accident, inpatient and outpatient together (TCM up to S$150 a visit and S$1,000 an accident); Hospital cash: HSBC Life Not included in the basic plan (optional benefit, extra premium), Etiqa S$100 a day, up to 180 days; Infectious diseases (e.g. HFMD): HSBC Life Not included in the basic plan (optional benefit, extra premium), Etiqa 22 infectious diseases including dengue and HFMD: medical expenses S$1,500; Excess: HSBC Life S$0.00, Etiqa S$0.00.
What discounts are HSBC Life and Etiqa running?
HSBC Life: none to show. Etiqa: Promo code PA35: 35% off.