Personal accident insurance
FWD vs India International personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 7 examples both price, FWD was cheaper on 1, India International on 6. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | FWD | India International |
|---|---|---|
| Accountant, S$200,000 cover | S$283.84FWD Life PA S$200,000 (Plan B)as at 5 Oct 2026 | S$239.80i-Aid Enhanced (S$200,000)as at 10 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$207.10i-Aid Standard (S$100,000)as at 10 Oct 2026 |
| 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$87.20i-Aid Basic (S$50,000)as at 10 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$114.45i-Aid Basic (S$50,000)as at 10 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$147.15i-Aid Basic (S$50,000)as at 10 Oct 2026 |
| You and your spouse, S$50,000 cover | No online price | S$174.40i-Aid Basic, me and my spouse (S$50,000 each adult)as at 10 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$163.50i-Aid Basic, me and my children (S$50,000; S$10,000 each child)as at 10 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$239.80i-Aid Basic, me and my children (S$50,000; S$10,000 each child)as at 10 Oct 2026 |
| Family: you, your spouse and 1 child, S$50,000 cover | No online price | S$250.70i-Aid Basic, family (S$50,000 each adult, S$10,000 each child)as at 10 Oct 2026 |
| Family: you, your spouse and 2 children, S$50,000 cover | No online price | S$327.00i-Aid Basic, family (S$50,000 each adult, S$10,000 each child)as at 10 Oct 2026 |
| 1 child on their own | No online price | S$76.30i-Aid Basic, children only (S$10,000 each child)as at 10 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 | India International |
|---|---|---|
| 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 any one accident, Chinese medical treatment up to S$1,200 within it |
| Hospital cash | Not included in the base plan (Income Support Rider, extra premium) | No hospital cash benefit; childcare or pre-school fees S$150 a day up to 30 days while hospitalised, mobility aid and ambulance S$600, bereavement S$3,000 |
| 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) | Medical expenses for chikungunya, dengue haemorrhagic fever, hand foot and mouth disease, pulmonary tuberculosis and Zika: S$3,000 |
| 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
- India International: none to show
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is FWD or India International cheaper for personal accident insurance?
Of the 7 examples both price, FWD was cheaper on 1, India International on 6. Your own answers can change the order, so get your own quote.
How does FWD's cover compare with India International's?
On each one's cheapest plan for accountant, S$200,000 cover (FWD FWD Life PA S$200,000 (Plan B), India International i-Aid Enhanced (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), India International S$6,000 any one accident, Chinese medical treatment up to S$1,200 within it; Hospital cash: FWD Not included in the base plan (Income Support Rider, extra premium), India International No hospital cash benefit; childcare or pre-school fees S$150 a day up to 30 days while hospitalised, mobility aid and ambulance S$600, bereavement S$3,000; 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), India International Medical expenses for chikungunya, dengue haemorrhagic fever, hand foot and mouth disease, pulmonary tuberculosis and Zika: S$3,000; Excess: FWD S$0.00, India International S$0.00.
What discounts are FWD and India International running?
FWD: none to show. India International: none to show.