Personal accident insurance
FWD vs Lonpac personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 6 examples both price, FWD was cheaper on 4, Lonpac on 2. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | FWD | Lonpac |
|---|---|---|
| Accountant, S$200,000 cover | S$283.84FWD Life PA S$200,000 (Plan B)as at 5 Oct 2026 | S$303.60Personal CarePlus Standard (S$200,000)as at 11 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$171.20Personal CarePlus Basic (S$100,000)as at 11 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$171.20Personal CarePlus Basic (S$100,000)as at 11 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$171.20Personal CarePlus Basic (S$100,000)as at 11 Oct 2026 |
| Class 3 job, S$50,000 cover | S$301.93FWD Life PA S$100,000 (Plan A)as at 5 Oct 2026 | No online price |
| You and your spouse, S$50,000 cover | No online price | S$325.28Personal CarePlus Basic, me and my spouse (S$100,000 each adult; spouse 10% off)as at 11 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$205.44Personal CarePlus Basic, me and my children (S$100,000; each child S$34.24, up to 3)as at 11 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$239.68Personal CarePlus Basic, me and my children (S$100,000; each child S$34.24, up to 3)as at 11 Oct 2026 |
| Family: you, your spouse and 1 child, S$50,000 cover | No online price | S$359.52Personal CarePlus Basic, family (S$100,000 each adult, spouse 10% off; each child S$34.24, up to 3)as at 11 Oct 2026 |
| Family: you, your spouse and 2 children, S$50,000 cover | No online price | S$393.76Personal CarePlus Basic, family (S$100,000 each adult, spouse 10% off; each child S$34.24, up to 3)as at 11 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 | FWD | Lonpac |
|---|---|---|
| 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 a year (TCM S$100 per treatment, up to S$750 a year) |
| Hospital cash | Not included in the base plan (Income Support Rider, extra premium) | S$100 a day, up to 60 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) | Up to S$1,200 for 21 infectious diseases including dengue, Zika, HFMD and MERS; HIV through blood transfusion S$10,000 |
| 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
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is FWD or Lonpac cheaper for personal accident insurance?
Of the 6 examples both price, FWD was cheaper on 4, Lonpac on 2. Your own answers can change the order, so get your own quote.
How does FWD's cover compare with Lonpac's?
On each one's cheapest plan for accountant, S$200,000 cover (FWD FWD Life PA S$200,000 (Plan B), Lonpac Personal CarePlus Standard (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), Lonpac S$6,000 a year (TCM S$100 per treatment, up to S$750 a year); Hospital cash: FWD Not included in the base plan (Income Support Rider, extra premium), Lonpac S$100 a day, up to 60 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), Lonpac Up to S$1,200 for 21 infectious diseases including dengue, Zika, HFMD and MERS; HIV through blood transfusion S$10,000; Excess: FWD S$0.00, Lonpac S$0.00.
What discounts are FWD and Lonpac running?
FWD: none to show. Lonpac: none to show.