Personal accident insurance
HSBC Life vs FWD personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 6 examples both price, HSBC Life was cheaper on 4, FWD on 2. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | HSBC Life | FWD |
|---|---|---|
| Accountant, S$200,000 cover | S$204.92HSBC Life Band Aid Package 2 (S$200,000), basic planas 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$112.27HSBC Life Band Aid Package 1 (S$100,000), basic planas at 19 Oct 2026 | S$168.95FWD Life PA S$100,000 (Plan A)as at 5 Oct 2026 |
| Technician, S$500,000 cover | No online price | S$1,117.03FWD Life PA S$500,000 (Plan C)as at 5 Oct 2026 |
| 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$168.95FWD Life PA S$100,000 (Plan A)as at 5 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$168.95FWD Life PA S$100,000 (Plan A)as at 5 Oct 2026 |
| Class 3 job, S$50,000 cover | No online price | S$301.93FWD Life PA S$100,000 (Plan A)as at 5 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 | No online price |
| 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$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$512.30HSBC Life Band Aid Package 3 (S$500,000), basic plan, me and my children (children free)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$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 | No online price |
| 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 | 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 | HSBC Life | FWD |
|---|---|---|
| Accident medical expenses | Not included in the basic plan (optional benefit, extra premium) | 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 | Not included in the basic plan (optional benefit, extra premium) | Not included in the base plan (Income Support Rider, extra premium) |
| Infectious diseases (e.g. HFMD) | Not included in the basic plan (optional benefit, extra premium) | 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 HSBC Life or FWD cheaper for personal accident insurance?
Of the 6 examples both price, HSBC Life was cheaper on 4, FWD on 2. Your own answers can change the order, so get your own quote.
How does HSBC Life's cover compare with FWD'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, FWD FWD Life PA S$200,000 (Plan B)): Accident medical expenses: HSBC Life Not included in the basic plan (optional benefit, extra premium), 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: HSBC Life Not included in the basic plan (optional benefit, extra premium), FWD Not included in the base plan (Income Support Rider, extra premium); Infectious diseases (e.g. HFMD): HSBC Life Not included in the basic plan (optional benefit, extra premium), 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: HSBC Life S$0.00, FWD S$0.00.
What discounts are HSBC Life and FWD running?
HSBC Life: none to show. FWD: none to show.