Personal accident insurance
Etiqa vs FWD personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 8 examples both price, Etiqa was cheaper on 6, FWD on 2. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Etiqa | FWD |
|---|---|---|
| Accountant, S$200,000 cover | S$264.49Tiq Personal Accident Enhanced Gold (S$300,000)as at 15 Oct 2026code PA35 | S$283.84FWD Life PA S$200,000 (Plan B)as at 5 Oct 2026 |
| Sales executive who travels for work, S$100,000 cover | S$194.27Tiq Personal Accident Enhanced Silver (S$125,000)as at 15 Oct 2026code PA35 | S$168.95FWD Life PA S$100,000 (Plan A)as at 5 Oct 2026 |
| Technician, S$500,000 cover | S$566.73Tiq Personal Accident Enhanced Platinum (S$500,000)as at 15 Oct 2026code PA35 | S$1,117.03FWD Life PA S$500,000 (Plan C)as at 5 Oct 2026 |
| Class 1 job, S$50,000 cover | S$162.75Tiq Personal Accident Enhanced Silver (S$125,000)as at 15 Oct 2026code PA35 | S$168.95FWD Life PA S$100,000 (Plan A)as at 5 Oct 2026 |
| Class 2 job, S$50,000 cover | S$194.27Tiq Personal Accident Enhanced Silver (S$125,000)as at 15 Oct 2026code PA35 | S$168.95FWD Life PA S$100,000 (Plan A)as at 5 Oct 2026 |
| Class 3 job, S$50,000 cover | S$194.27Tiq Personal Accident Enhanced Silver (S$125,000)as at 15 Oct 2026code PA35 | S$301.93FWD Life PA S$100,000 (Plan A)as at 5 Oct 2026 |
| You and your spouse, S$50,000 cover | S$309.22Tiq Personal Accident Enhanced Silver, Me and my spouse (S$125,000 each adult)as at 15 Oct 2026code PA35 | No online price |
| You and 1 child, S$50,000 cover | S$216.45Tiq Personal Accident Enhanced Silver, Me and my children (S$125,000)as at 15 Oct 2026code PA35 | S$337.90FWD Life PA S$100,000 (Plan A), me and my childrenas at 5 Oct 2026 |
| You and 2 children, S$50,000 cover | S$270.16Tiq Personal Accident Enhanced Silver, Me and my children (S$125,000)as at 15 Oct 2026code PA35 | S$506.85FWD Life PA S$100,000 (Plan A), me and my childrenas at 5 Oct 2026 |
| Family: you, your spouse and 1 child, S$50,000 cover | S$362.93Tiq Personal Accident Enhanced Silver, My family (S$125,000 each adult)as at 15 Oct 2026code PA35 | No online price |
| Family: you, your spouse and 2 children, S$50,000 cover | S$416.63Tiq Personal Accident Enhanced Silver, My family (S$125,000 each adult)as at 15 Oct 2026code PA35 | No online price |
| 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 | Etiqa | FWD |
|---|---|---|
| Accident medical expenses | S$1,500 per accident, inpatient and outpatient together (TCM up to S$150 a visit and S$1,000 an accident) | S$3,000 per accident, inpatient and outpatient (TCM, acupuncture or chiropractor S$1,000, up to S$100 a visit; physiotherapy S$1,000) |
| Hospital cash | S$100 a day, up to 180 days | Not included in the base plan (Income Support Rider, extra premium) |
| Infectious diseases (e.g. dengue) | 22 infectious diseases including dengue and HFMD: medical expenses S$1,500 | 24 infectious diseases including dengue, HFMD and Zika, and food poisoning, treated as accidents for the death and disability and medical expenses benefits (14-day waiting period) |
| 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 Etiqa or FWD cheaper for personal accident insurance?
Of the 8 examples both price, Etiqa was cheaper on 6, FWD on 2. Your own answers can change the order, so get your own quote.
How does Etiqa's cover compare with FWD's?
On each one's cheapest plan for accountant, S$200,000 cover (Etiqa Tiq Personal Accident Enhanced Gold (S$300,000), FWD FWD Life PA S$200,000 (Plan B)): Accident medical expenses: Etiqa S$1,500 per accident, inpatient and outpatient together (TCM up to S$150 a visit and S$1,000 an accident), FWD S$3,000 per accident, inpatient and outpatient (TCM, acupuncture or chiropractor S$1,000, up to S$100 a visit; physiotherapy S$1,000); Hospital cash: Etiqa S$100 a day, up to 180 days, FWD Not included in the base plan (Income Support Rider, extra premium); Infectious diseases (e.g. dengue): Etiqa 22 infectious diseases including dengue and HFMD: medical expenses S$1,500, FWD 24 infectious diseases including dengue, HFMD and Zika, and food poisoning, treated as accidents for the death and disability and medical expenses benefits (14-day waiting period); Excess: Etiqa S$0.00, FWD S$0.00.
What discounts are Etiqa and FWD running?
Etiqa: Promo code PA35: 35% off. FWD: none to show.