Personal accident insurance
HSBC Life vs Tokio Marine personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, HSBC Life was cheaper on 3, Tokio Marine on 6. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | HSBC Life | Tokio Marine |
|---|---|---|
| Accountant, S$200,000 cover | S$204.92HSBC Life Band Aid Package 2 (S$200,000), basic planas at 19 Oct 2026 | S$250.70TM 365 Personal Accident Plan C (S$200,000)as at 19 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$196.20TM 365 Personal Accident Plan B (S$100,000)as at 19 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$92.65TM 365 Personal Accident Plan A (S$50,000)as at 19 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$119.90TM 365 Personal Accident Plan A (S$50,000)as at 19 Oct 2026 |
| Class 3 job, S$50,000 cover | No online price | S$218.00TM 365 Personal Accident Plan A (S$50,000)as at 19 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$166.77TM 365 Personal Accident Plan A (S$50,000), me and my spouseas at 19 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$122.63TM 365 Personal Accident Plan A (S$50,000) with Child Protector, me and my childrenas at 19 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$152.87TM 365 Personal Accident Plan A (S$50,000) with Child Protector, me and my childrenas at 19 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$194.57TM 365 Personal Accident Plan A (S$50,000) with Child Protector, my familyas at 19 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$231.63TM 365 Personal Accident Plan A (S$50,000) with Child Protector, my familyas at 19 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 | Tokio Marine |
|---|---|---|
| Accident medical expenses | Not included in the basic plan (optional benefit, extra premium) | S$6,000 per accident, inpatient and outpatient; Chinese physician and chiropractor sub-limit S$1,500 |
| Hospital cash | Not included in the basic plan (optional benefit, extra premium) | Recuperation benefit S$150 a day in hospital, up to 365 days; ICU S$300 a day up to 30 days |
| Infectious diseases (e.g. HFMD) | Not included in the basic plan (optional benefit, extra premium) | Dengue and Zika virus infection covered (brochure); limits not stated |
| 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
- Tokio Marine: none to show
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is HSBC Life or Tokio Marine cheaper for personal accident insurance?
Of the 9 examples both price, HSBC Life was cheaper on 3, Tokio Marine on 6. Your own answers can change the order, so get your own quote.
How does HSBC Life's cover compare with Tokio Marine'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, Tokio Marine TM 365 Personal Accident Plan C (S$200,000)): Accident medical expenses: HSBC Life Not included in the basic plan (optional benefit, extra premium), Tokio Marine S$6,000 per accident, inpatient and outpatient; Chinese physician and chiropractor sub-limit S$1,500; Hospital cash: HSBC Life Not included in the basic plan (optional benefit, extra premium), Tokio Marine Recuperation benefit S$150 a day in hospital, up to 365 days; ICU S$300 a day up to 30 days; Infectious diseases (e.g. HFMD): HSBC Life Not included in the basic plan (optional benefit, extra premium), Tokio Marine Dengue and Zika virus infection covered (brochure); limits not stated; Excess: HSBC Life S$0.00, Tokio Marine S$0.00.
What discounts are HSBC Life and Tokio Marine running?
HSBC Life: none to show. Tokio Marine: none to show.