Personal accident insurance
Chubb vs HL Assurance personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, Chubb was cheaper on 0, HL Assurance on 9. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Chubb | HL Assurance |
|---|---|---|
| Accountant, S$200,000 cover | No online price | 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$251.94DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)as at 20 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$251.94DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)as at 20 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$251.94DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)as at 20 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 | S$251.94DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)as at 20 Oct 2026 | 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$453.49DBS MultiGen Protect Classic, me and my spouse (S$100,000 each adult; 10% multi-member discount)as at 20 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$374.28DBS MultiGen Protect Classic, me and my children (S$100,000; each child S$60,000 disability; 10-20% multi-member discount)as at 20 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$492.83DBS MultiGen Protect Classic, me and my children (S$100,000; each child S$60,000 disability; 10-20% multi-member discount)as at 20 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$567.64DBS MultiGen Protect Classic, family (S$100,000 each adult; each child S$60,000 disability; 15-20% multi-member discount)as at 20 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$706.98DBS MultiGen Protect Classic, family (S$100,000 each adult; each child S$60,000 disability; 15-20% multi-member discount)as at 20 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 | S$163.93DBS MultiGen Protect Classic, children only (S$60,000 disability each child; 10-15% multi-member discount from two children)as at 20 Oct 2026 | 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 | Chubb | HL Assurance |
|---|---|---|
| Accident medical expenses | S$2,000 per accident (alternative medicine such as TCM or chiropractic S$50 a visit, S$500 per accident) | S$1,000 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 for an accident stay: S$100 a day (up to 60 days) only while in hospital for dengue, food poisoning or HFMD | Not covered |
| Infectious diseases (e.g. dengue) | Covered: S$100 a day (up to 60 days) in hospital for dengue fever, dengue haemorrhagic fever, food poisoning or HFMD | Covered: medical expenses for 20 named infectious diseases including dengue fever, hand, foot and mouth disease, Zika and malaria, within the S$1,000 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
- Chubb: 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 Chubb or HL Assurance cheaper for personal accident insurance?
Of the 9 examples both price, Chubb was cheaper on 0, HL Assurance on 9. Your own answers can change the order, so get your own quote.
How does Chubb's cover compare with HL Assurance's?
On each one's cheapest plan for sales executive who travels for work, S$100,000 cover (Chubb DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb), HL Assurance Family Protect360 Silver (S$100,000 an adult)): Accident medical expenses: Chubb S$2,000 per accident (alternative medicine such as TCM or chiropractic S$50 a visit, S$500 per accident), HL Assurance S$1,000 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: Chubb Not for an accident stay: S$100 a day (up to 60 days) only while in hospital for dengue, food poisoning or HFMD, HL Assurance Not covered; Infectious diseases (e.g. dengue): Chubb Covered: S$100 a day (up to 60 days) in hospital for dengue fever, dengue haemorrhagic fever, food poisoning or HFMD, HL Assurance Covered: medical expenses for 20 named infectious diseases including dengue fever, hand, foot and mouth disease, Zika and malaria, within the S$1,000 medical limit, after a 14-day waiting period; cover ceases once an epidemic or pandemic is declared; Excess: Chubb S$0.00, HL Assurance S$0.00.
What discounts are Chubb and HL Assurance running?
Chubb: none to show. HL Assurance: Promo code SAVE30: 10% + S$30 off.