Personal accident insurance
EQ Insurance vs MSIG personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 6 examples both price, EQ Insurance was cheaper on 6, MSIG on 0. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | EQ Insurance | MSIG |
|---|---|---|
| Accountant, S$200,000 cover | S$174.40EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000)as at 5 Oct 2026 | S$322.73PA RecoveryPlus Gold (S$200,000)as at 19 Oct 2026 |
| Sales executive who travels for work, S$100,000 cover | S$109.00EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000)as at 5 Oct 2026 | S$154.78ProtectionPlus Silver (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$109.00EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000)as at 5 Oct 2026 | S$125.35ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 |
| Class 2 job, S$50,000 cover | S$109.00EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000)as at 5 Oct 2026 | S$125.35ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 |
| Class 3 job, S$50,000 cover | S$109.00EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$200,000)as at 5 Oct 2026 | S$207.10ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 |
| You and your spouse, S$50,000 cover | S$218.00EQ Personal Accident, death and permanent disablement (S$50,000 each), me and my spouse (one policy each)as at 5 Oct 2026 | S$238.17ProtectionPlus Silver, me and my spouse (S$100,000 each adult)as at 19 Oct 2026 |
| You and 1 child, S$50,000 cover | No online price | S$136.25ProtectionPlus Silver, me and my children (S$100,000)as at 19 Oct 2026 |
| You and 2 children, S$50,000 cover | No online price | S$147.15ProtectionPlus Silver, me and my children (S$100,000)as at 19 Oct 2026 |
| Family: you, your spouse and 1 child, S$50,000 cover | No online price | S$238.17ProtectionPlus Silver, my family (S$100,000 each adult)as at 19 Oct 2026 |
| Family: you, your spouse and 2 children, S$50,000 cover | No online price | S$238.17ProtectionPlus Silver, my family (S$100,000 each adult)as 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 | EQ Insurance | MSIG |
|---|---|---|
| Accident medical expenses | Not included: see the card with medical expenses (Section 3, S$10,000 per accident) | S$2,000 per injury; alternative treatment S$400 (S$40 a visit); mobility aid S$2,000 |
| Hospital cash | Not included: see the card with medical expenses and income (Sections 4 and 5) | S$100 a day up to 365 days (doubled in ICU up to 30 days); S$100 a day for dengue, food poisoning or HFMD up to 50 days |
| Infectious diseases (e.g. dengue) | Not covered (major exclusions: "AIDS, STD and any other Infectious diseases") | Hospital income for dengue, food poisoning and hand, foot and mouth disease only |
| 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
- EQ Insurance: none to show
- MSIG: 15% off; 20% off
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is EQ Insurance or MSIG cheaper for personal accident insurance?
Of the 6 examples both price, EQ Insurance was cheaper on 6, MSIG on 0. Your own answers can change the order, so get your own quote.
How does EQ Insurance's cover compare with MSIG's?
On each one's cheapest plan for accountant, S$200,000 cover (EQ Insurance EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000), MSIG PA RecoveryPlus Gold (S$200,000)): Accident medical expenses: EQ Insurance Not included: see the card with medical expenses (Section 3, S$10,000 per accident), MSIG S$2,000 per injury; alternative treatment S$400 (S$40 a visit); mobility aid S$2,000; Hospital cash: EQ Insurance Not included: see the card with medical expenses and income (Sections 4 and 5), MSIG S$100 a day up to 365 days (doubled in ICU up to 30 days); S$100 a day for dengue, food poisoning or HFMD up to 50 days; Infectious diseases (e.g. dengue): EQ Insurance Not covered (major exclusions: "AIDS, STD and any other Infectious diseases"), MSIG Hospital income for dengue, food poisoning and hand, foot and mouth disease only; Excess: EQ Insurance S$0.00, MSIG S$0.00.
What discounts are EQ Insurance and MSIG running?
EQ Insurance: none to show. MSIG: 15% off; 20% off.