Personal accident insurance
FWD vs HL Assurance personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 7 examples both price, FWD was cheaper on 1, HL Assurance on 6. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | FWD | HL Assurance |
|---|---|---|
| Accountant, S$200,000 cover | S$283.84FWD Life PA S$200,000 (Plan B)as at 5 Oct 2026 | 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$168.95FWD Life PA S$100,000 (Plan A)as at 5 Oct 2026 | S$135.25Family Protect360 Silver (S$100,000 an adult)as at 8 Oct 2026code SAVE30 |
| Technician, S$500,000 cover | S$1,117.03FWD Life PA S$500,000 (Plan C)as at 5 Oct 2026 | No online price |
| Class 1 job, S$50,000 cover | S$168.95FWD Life PA S$100,000 (Plan A)as at 5 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$168.95FWD Life PA S$100,000 (Plan A)as at 5 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$301.93FWD Life PA S$100,000 (Plan A)as at 5 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 | No online price | 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$337.90FWD Life PA S$100,000 (Plan A), me and my childrenas at 5 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$506.85FWD Life PA S$100,000 (Plan A), me and my childrenas at 5 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 | No online price | 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 | No online price | 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 | 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 | FWD | HL Assurance |
|---|---|---|
| Accident medical expenses | 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) | S$2,500 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 included in the base plan (Income Support Rider, extra premium) | Not covered; income protector S$1,000 a month up to S$6,000 after permanent total disablement, home care S$2,500 |
| Infectious diseases | 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) | Covered: medical expenses for 20 named infectious diseases including dengue fever, hand, foot and mouth disease, Zika and malaria, within the S$2,500 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
- FWD: 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 FWD or HL Assurance cheaper for personal accident insurance?
Of the 7 examples both price, FWD was cheaper on 1, HL Assurance on 6. Your own answers can change the order, so get your own quote.
How does FWD's cover compare with HL Assurance's?
On each one's cheapest plan for accountant, S$200,000 cover (FWD FWD Life PA S$200,000 (Plan B), HL Assurance Family Protect360 Premier (S$250,000 an adult)): Accident medical expenses: 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), HL Assurance S$2,500 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: FWD Not included in the base plan (Income Support Rider, extra premium), HL Assurance Not covered; income protector S$1,000 a month up to S$6,000 after permanent total disablement, home care S$2,500; Infectious diseases: 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), HL Assurance Covered: medical expenses for 20 named infectious diseases including dengue fever, hand, foot and mouth disease, Zika and malaria, within the S$2,500 medical limit, after a 14-day waiting period; cover ceases once an epidemic or pandemic is declared; Excess: FWD S$0.00, HL Assurance S$0.00.
What discounts are FWD and HL Assurance running?
FWD: none to show. HL Assurance: Promo code SAVE30: 10% + S$30 off.