Personal accident insurance
FWD vs Sompo personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 7 examples both price, FWD was cheaper on 1, Sompo on 6. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | FWD | Sompo |
|---|---|---|
| Accountant, S$200,000 cover | S$283.84FWD Life PA S$200,000 (Plan B)as at 5 Oct 2026 | S$316.10PAStar Elite (S$200,000)as at 9 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$154.78PA Ease Plan 2 (S$100,000)as at 9 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$95.92PA Ease Plan 1 (S$50,000)as at 9 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$95.92PA Ease Plan 1 (S$50,000)as at 9 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$130.80PA Ease Plan 1 (S$50,000)as at 9 Oct 2026 |
| You and your spouse, S$50,000 cover | No online price | S$191.84PA Ease Plan 1, me and my spouse (S$50,000 each adult)as at 9 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$143.88PA Ease Plan 1, me and my children (S$50,000; each child S$47.96)as at 9 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$191.84PA Ease Plan 1, me and my children (S$50,000; each child S$47.96)as at 9 Oct 2026 |
| Family: you, your spouse and 1 child, S$50,000 cover | No online price | S$239.80PA Ease Plan 1, family (S$50,000 each adult; each child S$47.96)as at 9 Oct 2026 |
| Family: you, your spouse and 2 children, S$50,000 cover | No online price | S$287.76PA Ease Plan 1, family (S$50,000 each adult; each child S$47.96)as at 9 Oct 2026 |
| 1 child on their own | No online price | S$152.60PAJunior Bunny (S$10,000 each child; first child S$152.60, then 10% off)as at 9 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 | Sompo |
|---|---|---|
| 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$4,000 per accident; Chinese physician or chiropractor S$100 a visit, S$600 per accident, S$1,200 a year; physiotherapy S$1,500 a year |
| Hospital cash | Not included in the base plan (Income Support Rider, extra premium) | S$150 a day, up to 365 days per accident; doubled in ICU |
| 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) | Covered: 24 infectious diseases including dengue, HFMD, Zika and COVID-19 (death and disablement, medical expenses, hospital allowance); not while declared an epidemic or pandemic |
| 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 Sompo cheaper for personal accident insurance?
Of the 7 examples both price, FWD was cheaper on 1, Sompo on 6. Your own answers can change the order, so get your own quote.
How does FWD's cover compare with Sompo's?
On each one's cheapest plan for accountant, S$200,000 cover (FWD FWD Life PA S$200,000 (Plan B), Sompo PAStar Elite (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), Sompo S$4,000 per accident; Chinese physician or chiropractor S$100 a visit, S$600 per accident, S$1,200 a year; physiotherapy S$1,500 a year; Hospital cash: FWD Not included in the base plan (Income Support Rider, extra premium), Sompo S$150 a day, up to 365 days per accident; doubled in ICU; 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), Sompo Covered: 24 infectious diseases including dengue, HFMD, Zika and COVID-19 (death and disablement, medical expenses, hospital allowance); not while declared an epidemic or pandemic; Excess: FWD S$0.00, Sompo S$0.00.
What discounts are FWD and Sompo running?
FWD: none to show. Sompo: none to show.