Personal accident insurance
FWD vs Tokio Marine personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 7 examples both price, FWD was cheaper on 1, Tokio Marine on 6. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | FWD | Tokio Marine |
|---|---|---|
| Accountant, S$200,000 cover | S$283.84FWD Life PA S$200,000 (Plan B)as at 5 Oct 2026 | S$250.70TM 365 Personal Accident Plan C (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$196.20TM 365 Personal Accident Plan B (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$92.65TM 365 Personal Accident Plan A (S$50,000)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$119.90TM 365 Personal Accident Plan A (S$50,000)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$218.00TM 365 Personal Accident Plan A (S$50,000)as at 19 Oct 2026 |
| You and your spouse, S$50,000 cover | No online price | S$166.77TM 365 Personal Accident Plan A (S$50,000), me and my spouseas 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$122.63TM 365 Personal Accident Plan A (S$50,000) with Child Protector, me and my childrenas 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$152.87TM 365 Personal Accident Plan A (S$50,000) with Child Protector, me and my childrenas at 19 Oct 2026 |
| Family: you, your spouse and 1 child, S$50,000 cover | No online price | S$194.57TM 365 Personal Accident Plan A (S$50,000) with Child Protector, my familyas at 19 Oct 2026 |
| Family: you, your spouse and 2 children, S$50,000 cover | No online price | S$231.63TM 365 Personal Accident Plan A (S$50,000) with Child Protector, my familyas 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 | Tokio Marine |
|---|---|---|
| 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 per accident, inpatient and outpatient; Chinese physician and chiropractor sub-limit S$1,500 |
| Hospital cash | Not included in the base plan (Income Support Rider, extra premium) | Recuperation benefit S$150 a day in hospital, up to 365 days; ICU S$300 a day up to 30 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) | Dengue and Zika virus infection covered (brochure); limits not stated |
| 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
- FWD: none to show
- Tokio Marine: none to show
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is FWD or Tokio Marine cheaper for personal accident insurance?
Of the 7 examples both price, FWD was cheaper on 1, Tokio Marine on 6. Your own answers can change the order, so get your own quote.
How does FWD's cover compare with Tokio Marine's?
On each one's cheapest plan for accountant, S$200,000 cover (FWD FWD Life PA S$200,000 (Plan B), Tokio Marine TM 365 Personal Accident Plan C (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), Tokio Marine S$6,000 per accident, inpatient and outpatient; Chinese physician and chiropractor sub-limit S$1,500; Hospital cash: FWD Not included in the base plan (Income Support Rider, extra premium), Tokio Marine Recuperation benefit S$150 a day in hospital, up to 365 days; ICU S$300 a day up to 30 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), Tokio Marine Dengue and Zika virus infection covered (brochure); limits not stated; Excess: FWD S$0.00, Tokio Marine S$0.00.
What discounts are FWD and Tokio Marine running?
FWD: none to show. Tokio Marine: none to show.