Personal accident insurance
FWD vs Income personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 8 examples both price, FWD was cheaper on 6, Income on 2. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | FWD | Income |
|---|---|---|
| Accountant, S$200,000 cover | S$283.84FWD Life PA S$200,000 (Plan B)as at 5 Oct 2026 | S$361.88PA Assurance Classic (S$200,000)as at 16 Oct 2026 |
| 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$233.26PA Assurance Basic (S$100,000)as at 16 Oct 2026 |
| Technician, S$500,000 cover | S$1,117.03FWD Life PA S$500,000 (Plan C)as at 5 Oct 2026 | S$817.50PA Assurance Premium (S$500,000)as at 16 Oct 2026 |
| Class 1 job, S$50,000 cover | S$168.95FWD Life PA S$100,000 (Plan A)as at 5 Oct 2026 | S$233.26PA Assurance Basic (S$100,000)as at 16 Oct 2026 |
| Class 2 job, S$50,000 cover | S$168.95FWD Life PA S$100,000 (Plan A)as at 5 Oct 2026 | S$233.26PA Assurance Basic (S$100,000)as at 16 Oct 2026 |
| Class 3 job, S$50,000 cover | S$301.93FWD Life PA S$100,000 (Plan A)as at 5 Oct 2026 | S$233.26PA Assurance Basic (S$100,000)as at 16 Oct 2026 |
| You and your spouse, S$50,000 cover | No online price | S$466.52PA Assurance Basic, me and my spouse (S$100,000 each)as at 16 Oct 2026 |
| 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$373.22PA Assurance Basic, me and my children (S$100,000; each child 40% off)as at 16 Oct 2026 |
| 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$513.17PA Assurance Basic, me and my children (S$100,000; each child 40% off)as at 16 Oct 2026 |
| Family: you, your spouse and 1 child, S$50,000 cover | No online price | S$606.48PA Assurance Basic, family (S$100,000 each adult; each child 40% off)as at 16 Oct 2026 |
| Family: you, your spouse and 2 children, S$50,000 cover | No online price | S$746.43PA Assurance Basic, family (S$100,000 each adult; each child 40% off)as at 16 Oct 2026 |
| 1 child on their own | No online price | S$233.26PA Assurance Basic, children only (S$100,000 each child, full price)as at 16 Oct 2026 |
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 | Income |
|---|---|---|
| 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$6,000 per accident (outpatient S$3,000; physiotherapy S$1,500 a year; TCM or chiropractor S$750) |
| Hospital cash | Not included in the base plan (Income Support Rider, extra premium) | S$150 a day, up to 365 days (S$450 a day in ICU, up to 30 days) |
| 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) | Not covered: Income sells it as the "with infectious disease cover" version of this plan |
| 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 FWD or Income cheaper for personal accident insurance?
Of the 8 examples both price, FWD was cheaper on 6, Income on 2. Your own answers can change the order, so get your own quote.
How does FWD's cover compare with Income's?
On each one's cheapest plan for accountant, S$200,000 cover (FWD FWD Life PA S$200,000 (Plan B), Income PA Assurance Classic (S$200,000)): 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), Income S$6,000 per accident (outpatient S$3,000; physiotherapy S$1,500 a year; TCM or chiropractor S$750); Hospital cash: FWD Not included in the base plan (Income Support Rider, extra premium), Income S$150 a day, up to 365 days (S$450 a day in ICU, up to 30 days); 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), Income Not covered: Income sells it as the "with infectious disease cover" version of this plan; Excess: FWD S$0.00, Income S$0.00.
What discounts are FWD and Income running?
FWD: none to show. Income: none to show.