Personal accident insurance
FWD vs QBE personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 8 examples both price, FWD was cheaper on 4, QBE on 4. Neither is cheaper overall. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | FWD | QBE |
|---|---|---|
| Accountant, S$200,000 cover | S$283.84FWD Life PA S$200,000 (Plan B)as at 5 Oct 2026 | S$337.90PA Prestige Plan B (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$256.15PA Prestige Plan A (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 | S$850.20PA Prestige Plan C (S$500,000)as at 11 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$223.45PA Prestige Plan A (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$256.15PA Prestige Plan A (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 | S$288.85PA Prestige Plan A (S$100,000)as at 11 Oct 2026 |
| You and your spouse, S$50,000 cover | No online price | S$446.90PA Prestige Plan A, me and my spouse (S$100,000 each adult)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$253.97PA Prestige Plan A, me and my children (S$100,000; each child S$30.52)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$284.49PA Prestige Plan A, me and my children (S$100,000; each child S$30.52)as at 11 Oct 2026 |
| Family: you, your spouse and 1 child, S$50,000 cover | No online price | S$446.90PA Prestige Plan A, family (S$100,000 each adult, up to 3 children free; S$30.52 each further child)as at 11 Oct 2026 |
| Family: you, your spouse and 2 children, S$50,000 cover | No online price | S$446.90PA Prestige Plan A, family (S$100,000 each adult, up to 3 children free; S$30.52 each further child)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 | QBE |
|---|---|---|
| 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$5,000 per accident with no aggregate limit and no excess or co-payment; Chinese physician/chiropractor sub-limit up to S$750 |
| Hospital cash | Not included in the base plan (Income Support Rider, extra premium) | S$100 a day (maximum days not stated); temporary total disablement S$200 a week |
| 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) | Dengue fever and Zika virus, and medical expenses due to infectious disease, are extensions under the basic cover (limits not stated in the brochure) |
| 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 QBE cheaper for personal accident insurance?
Of the 8 examples both price, FWD was cheaper on 4, QBE on 4. Neither is cheaper overall. Your own answers can change the order, so get your own quote.
How does FWD's cover compare with QBE's?
On each one's cheapest plan for accountant, S$200,000 cover (FWD FWD Life PA S$200,000 (Plan B), QBE PA Prestige Plan B (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), QBE S$5,000 per accident with no aggregate limit and no excess or co-payment; Chinese physician/chiropractor sub-limit up to S$750; Hospital cash: FWD Not included in the base plan (Income Support Rider, extra premium), QBE S$100 a day (maximum days not stated); temporary total disablement S$200 a week; 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), QBE Dengue fever and Zika virus, and medical expenses due to infectious disease, are extensions under the basic cover (limits not stated in the brochure); Excess: FWD S$0.00, QBE S$0.00.
What discounts are FWD and QBE running?
FWD: none to show. QBE: none to show.