Personal accident insurance
HSBC Life vs HL Assurance personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, HSBC Life was cheaper on 2, HL Assurance on 7. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | HSBC Life | HL Assurance |
|---|---|---|
| Accountant, S$200,000 cover | S$204.92HSBC Life Band Aid Package 2 (S$200,000), basic planas at 19 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$112.27HSBC Life Band Aid Package 1 (S$100,000), basic planas at 19 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$102.46HSBC Life Band Aid Package 1 (S$100,000), basic planas at 19 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$112.27HSBC Life Band Aid Package 1 (S$100,000), basic planas at 19 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 | No online price | 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$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$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$512.30HSBC Life Band Aid Package 3 (S$500,000), basic plan, me and my children (children free)as at 19 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$512.30HSBC Life Band Aid Package 3 (S$500,000), basic plan, me and my children (children free)as at 19 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$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$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$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$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 | HSBC Life | HL Assurance |
|---|---|---|
| Accident medical expenses | Not included in the basic plan (optional benefit, extra premium) | 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 | Not included in the basic plan (optional benefit, extra premium) | 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. HFMD) | Not included in the basic plan (optional benefit, extra premium) | 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
- HSBC Life: 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 HSBC Life or HL Assurance cheaper for personal accident insurance?
Of the 9 examples both price, HSBC Life was cheaper on 2, HL Assurance on 7. Your own answers can change the order, so get your own quote.
How does HSBC Life's cover compare with HL Assurance'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, HL Assurance Family Protect360 Premier (S$250,000 an adult)): Accident medical expenses: HSBC Life Not included in the basic plan (optional benefit, extra premium), 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: HSBC Life Not included in the basic plan (optional benefit, extra premium), 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. HFMD): HSBC Life Not included in the basic plan (optional benefit, extra premium), 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: HSBC Life S$0.00, HL Assurance S$0.00.
What discounts are HSBC Life and HL Assurance running?
HSBC Life: none to show. HL Assurance: Promo code SAVE30: 10% + S$30 off.