Personal accident insurance
FWD vs Singlife personal accident insurance
As of 12 Nov 2026 (Singapore time)
Of the 7 examples both price, FWD was cheaper on 5, Singlife on 2. Your own answers can change the order, so get your own quote.
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/compare/pa/fwd-vs-singlife
Personal accident insurance promotions today: Etiqa, 30% off; MSIG, 20% off; HL Assurance, 10% off. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
Lowest price on each example
| Example | FWD | Singlife |
|---|---|---|
| Accountant, S$200,000 cover | S$283.84FWD Life PA S$200,000 (Plan B)Buy Nowas at 5 Oct 2026 | S$423.57Personal Accident Standard (S$200,000)Buy Nowas at 5 Oct 2026 |
| Sales executive who travels for work, S$100,000 cover | S$168.95FWD Life PA S$100,000 (Plan A)Buy Nowas at 5 Oct 2026 | S$285.23Personal Accident Lite (S$100,000)Buy Nowas at 5 Oct 2026 |
| Technician, S$500,000 cover | S$1,117.03FWD Life PA S$500,000 (Plan C)Buy Nowas at 5 Oct 2026 | No online price |
| Class 1 job, S$50,000 cover | S$168.95FWD Life PA S$100,000 (Plan A)Buy Nowas at 5 Oct 2026 | S$285.23Personal Accident Lite (S$100,000)Buy Nowas at 5 Oct 2026 |
| Class 2 job, S$50,000 cover | S$168.95FWD Life PA S$100,000 (Plan A)Buy Nowas at 5 Oct 2026 | S$328.02Personal Accident Lite (S$100,000)Buy Nowas at 5 Oct 2026 |
| Class 3 job, S$50,000 cover | S$301.93FWD Life PA S$100,000 (Plan A)Buy Nowas at 5 Oct 2026 | S$570.46Personal Accident Lite (S$100,000)Buy Nowas at 5 Oct 2026 |
| You and your spouse, S$50,000 cover | No online price | S$513.43Personal Accident Lite, me and my spouse (S$100,000 each adult)Buy Nowas at 5 Oct 2026 |
| You and 1 child, S$50,000 cover | S$337.90FWD Life PA S$100,000 (Plan A), me and my childrenBuy Nowas at 5 Oct 2026 | S$285.23Personal Accident Lite, me and my children (S$100,000)Buy Nowas at 5 Oct 2026 |
| You and 2 children, S$50,000 cover | S$506.85FWD Life PA S$100,000 (Plan A), me and my childrenBuy Nowas at 5 Oct 2026 | S$285.23Personal Accident Lite, me and my children (S$100,000)Buy Nowas at 5 Oct 2026 |
| Family: you, your spouse and 1 child, S$50,000 cover | No online price | S$513.43Personal Accident Lite, family (S$100,000 each adult)Buy Nowas at 5 Oct 2026 |
| Family: you, your spouse and 2 children, S$50,000 cover | No online price | S$513.43Personal Accident Lite, family (S$100,000 each adult)Buy Nowas at 5 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 | Singlife |
|---|---|---|
| Accident medical expenses | S$3,000 per accident, inpatient and outpatient, for treatment within 12 months (TCM, acupuncture or chiropractor S$1,000, up to S$100 a visit; physiotherapy S$1,000) | S$4,000 per accident for hospital or doctor treatment within 365 days; TCM or chiropractor up to S$750 (S$75 a day) within it; physiotherapy S$2,000 per accident on a doctor's referral, within 90 days |
| Hospital cash | Not included in the base plan (Income Support Rider, extra premium) | S$100 a day (each full 24 hours) up to 365 days per accident; ICU S$200 a day up to 30 days |
| Infectious diseases (e.g. dengue) | 24 infectious diseases including dengue, HFMD and Zika, plus food poisoning and insect bites, treated as accidents for the death and disability and medical expenses benefits (not the TCM or chiropractor sub-limit; 14-day waiting period from the policy issue date) | Medical expenses for dengue, Zika, insect or animal bites and food poisoning within the medical expenses limit; COVID-19 treatment in Singapore after a 14-day wait |
| 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 Singlife cheaper for personal accident insurance?
Of the 7 examples both price, FWD was cheaper on 5, Singlife on 2. Your own answers can change the order, so get your own quote.
How does FWD's cover compare with Singlife's?
On each one's cheapest plan for accountant, S$200,000 cover (FWD FWD Life PA S$200,000 (Plan B), Singlife Personal Accident Standard (S$200,000)): Accident medical expenses: FWD S$3,000 per accident, inpatient and outpatient, for treatment within 12 months (TCM, acupuncture or chiropractor S$1,000, up to S$100 a visit; physiotherapy S$1,000), Singlife S$4,000 per accident for hospital or doctor treatment within 365 days; TCM or chiropractor up to S$750 (S$75 a day) within it; physiotherapy S$2,000 per accident on a doctor's referral, within 90 days; Hospital cash: FWD Not included in the base plan (Income Support Rider, extra premium), Singlife S$100 a day (each full 24 hours) up to 365 days per accident; ICU S$200 a day up to 30 days; Infectious diseases (e.g. dengue): FWD 24 infectious diseases including dengue, HFMD and Zika, plus food poisoning and insect bites, treated as accidents for the death and disability and medical expenses benefits (not the TCM or chiropractor sub-limit; 14-day waiting period from the policy issue date), Singlife Medical expenses for dengue, Zika, insect or animal bites and food poisoning within the medical expenses limit; COVID-19 treatment in Singapore after a 14-day wait; Excess: FWD S$0.00, Singlife S$0.00.
What discounts are FWD and Singlife running?
FWD: none to show. Singlife: none to show.