Personal accident insurance
FWD vs MSIG personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 7 examples both price, FWD was cheaper on 1, MSIG on 6. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | FWD | MSIG |
|---|---|---|
| Accountant, S$200,000 cover | S$283.84FWD Life PA S$200,000 (Plan B)as at 5 Oct 2026 | S$322.73PA RecoveryPlus Gold (S$200,000)as at 19 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$154.78ProtectionPlus Silver (S$100,000)as at 19 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$125.35ProtectionPlus Silver (S$100,000)as at 19 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$125.35ProtectionPlus Silver (S$100,000)as at 19 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$207.10ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 |
| You and your spouse, S$50,000 cover | No online price | S$238.17ProtectionPlus Silver, me and my spouse (S$100,000 each adult)as at 19 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$136.25ProtectionPlus Silver, me and my children (S$100,000)as at 19 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$147.15ProtectionPlus Silver, me and my children (S$100,000)as at 19 Oct 2026 |
| Family: you, your spouse and 1 child, S$50,000 cover | No online price | S$238.17ProtectionPlus Silver, my family (S$100,000 each adult)as at 19 Oct 2026 |
| Family: you, your spouse and 2 children, S$50,000 cover | No online price | S$238.17ProtectionPlus Silver, my family (S$100,000 each adult)as at 19 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 | MSIG |
|---|---|---|
| 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$2,000 per injury; alternative treatment S$400 (S$40 a visit); mobility aid S$2,000 |
| Hospital cash | Not included in the base plan (Income Support Rider, extra premium) | S$100 a day up to 365 days (doubled in ICU up to 30 days); S$100 a day for dengue, food poisoning or HFMD up to 50 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) | Hospital income for dengue, food poisoning and hand, foot and mouth disease only |
| 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 MSIG cheaper for personal accident insurance?
Of the 7 examples both price, FWD was cheaper on 1, MSIG on 6. Your own answers can change the order, so get your own quote.
How does FWD's cover compare with MSIG's?
On each one's cheapest plan for accountant, S$200,000 cover (FWD FWD Life PA S$200,000 (Plan B), MSIG PA RecoveryPlus Gold (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), MSIG S$2,000 per injury; alternative treatment S$400 (S$40 a visit); mobility aid S$2,000; Hospital cash: FWD Not included in the base plan (Income Support Rider, extra premium), MSIG S$100 a day up to 365 days (doubled in ICU up to 30 days); S$100 a day for dengue, food poisoning or HFMD up to 50 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), MSIG Hospital income for dengue, food poisoning and hand, foot and mouth disease only; Excess: FWD S$0.00, MSIG S$0.00.
What discounts are FWD and MSIG running?
FWD: none to show. MSIG: 15% off; 20% off.