Personal accident insurance
HSBC Life vs Lonpac personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, HSBC Life was cheaper on 5, Lonpac on 4. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | HSBC Life | Lonpac |
|---|---|---|
| Accountant, S$200,000 cover | S$204.92HSBC Life Band Aid Package 2 (S$200,000), basic planas at 19 Oct 2026 | S$303.60Personal CarePlus Standard (S$200,000)as at 11 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$171.20Personal CarePlus Basic (S$100,000)as at 11 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$171.20Personal CarePlus Basic (S$100,000)as at 11 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$171.20Personal CarePlus Basic (S$100,000)as at 11 Oct 2026 |
| Class 3 job, S$50,000 cover | No online price | No online price |
| 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$325.28Personal CarePlus Basic, me and my spouse (S$100,000 each adult; spouse 10% off)as at 11 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$205.44Personal CarePlus Basic, me and my children (S$100,000; each child S$34.24, up to 3)as at 11 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$239.68Personal CarePlus Basic, me and my children (S$100,000; each child S$34.24, up to 3)as at 11 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$359.52Personal CarePlus Basic, family (S$100,000 each adult, spouse 10% off; each child S$34.24, up to 3)as at 11 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$393.76Personal CarePlus Basic, family (S$100,000 each adult, spouse 10% off; each child S$34.24, up to 3)as at 11 Oct 2026 |
| 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 | Lonpac |
|---|---|---|
| Accident medical expenses | Not included in the basic plan (optional benefit, extra premium) | S$6,000 a year (TCM S$100 per treatment, up to S$750 a year) |
| Hospital cash | Not included in the basic plan (optional benefit, extra premium) | S$100 a day, up to 60 days |
| Infectious diseases (e.g. HFMD) | Not included in the basic plan (optional benefit, extra premium) | Up to S$1,200 for 21 infectious diseases including dengue, Zika, HFMD and MERS; HIV through blood transfusion S$10,000 |
| 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 Lonpac cheaper for personal accident insurance?
Of the 9 examples both price, HSBC Life was cheaper on 5, Lonpac on 4. Your own answers can change the order, so get your own quote.
How does HSBC Life's cover compare with Lonpac'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, Lonpac Personal CarePlus Standard (S$200,000)): Accident medical expenses: HSBC Life Not included in the basic plan (optional benefit, extra premium), Lonpac S$6,000 a year (TCM S$100 per treatment, up to S$750 a year); Hospital cash: HSBC Life Not included in the basic plan (optional benefit, extra premium), Lonpac S$100 a day, up to 60 days; Infectious diseases (e.g. HFMD): HSBC Life Not included in the basic plan (optional benefit, extra premium), Lonpac Up to S$1,200 for 21 infectious diseases including dengue, Zika, HFMD and MERS; HIV through blood transfusion S$10,000; Excess: HSBC Life S$0.00, Lonpac S$0.00.
What discounts are HSBC Life and Lonpac running?
HSBC Life: none to show. Lonpac: none to show.