Personal accident insurance
HL Assurance vs Income personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, HL Assurance was cheaper on 9, Income on 1. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | HL Assurance | Income |
|---|---|---|
| Accountant, S$200,000 cover | S$495.96Family Protect360 Premier (S$250,000 an adult)as at 8 Oct 2026code SAVE30 | S$361.88PA Assurance Classic (S$200,000)as at 16 Oct 2026 |
| Sales executive who travels for work, S$100,000 cover | S$135.25Family Protect360 Silver (S$100,000 an adult)as at 8 Oct 2026code SAVE30 | S$233.26PA Assurance Basic (S$100,000)as at 16 Oct 2026 |
| Technician, S$500,000 cover | No online price | S$817.50PA Assurance Premium (S$500,000)as at 16 Oct 2026 |
| Class 1 job, S$50,000 cover | S$51.27Family Protect360 Bronze (S$50,000 an adult)as at 8 Oct 2026code SAVE30 | S$233.26PA Assurance Basic (S$100,000)as at 16 Oct 2026 |
| Class 2 job, S$50,000 cover | S$51.27Family Protect360 Bronze (S$50,000 an adult)as at 8 Oct 2026code SAVE30 | S$233.26PA Assurance Basic (S$100,000)as at 16 Oct 2026 |
| Class 3 job, S$50,000 cover | S$51.27Family Protect360 Bronze (S$50,000 an adult)as at 8 Oct 2026code SAVE30 | S$233.26PA Assurance Basic (S$100,000)as at 16 Oct 2026 |
| You and your spouse, S$50,000 cover | S$135.25Family Protect360 Bronze, Family (me and my spouse; S$50,000 an adult; priced as the Family plan)as at 8 Oct 2026code SAVE30 | S$466.52PA Assurance Basic, me and my spouse (S$100,000 each)as at 16 Oct 2026 |
| You and 1 child, S$50,000 cover | S$135.25Family Protect360 Bronze, Myself With Child(ren) (S$50,000 an adult, S$10,000 a child)as at 8 Oct 2026code SAVE30 | S$373.22PA Assurance Basic, me and my children (S$100,000; each child 40% off)as at 16 Oct 2026 |
| You and 2 children, S$50,000 cover | S$135.25Family Protect360 Bronze, Myself With Child(ren) (S$50,000 an adult, S$10,000 a child)as at 8 Oct 2026code SAVE30 | S$513.17PA Assurance Basic, me and my children (S$100,000; each child 40% off)as at 16 Oct 2026 |
| Family: you, your spouse and 1 child, S$50,000 cover | S$135.25Family Protect360 Bronze, Family (S$50,000 an adult, S$10,000 a child)as at 8 Oct 2026code SAVE30 | S$606.48PA Assurance Basic, family (S$100,000 each adult; each child 40% off)as at 16 Oct 2026 |
| Family: you, your spouse and 2 children, S$50,000 cover | S$135.25Family Protect360 Bronze, Family (S$50,000 an adult, S$10,000 a child)as at 8 Oct 2026code SAVE30 | S$746.43PA Assurance Basic, family (S$100,000 each adult; each child 40% off)as at 16 Oct 2026 |
| 1 child on their own | No online price | S$233.26PA Assurance Basic, children only (S$100,000 each child, full price)as at 16 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 | HL Assurance | Income |
|---|---|---|
| Accident medical expenses | S$2,500 an adult, including Chinese physician or chiropractor treatment up to 50% of the limit and ambulance charges up to S$200 an injury | S$6,000 per accident (outpatient S$3,000; physiotherapy S$1,500 a year; TCM or chiropractor S$750) |
| Hospital cash | Not covered; income protector S$1,000 a month up to S$6,000 after permanent total disablement, home care S$2,500 | S$150 a day, up to 365 days (S$450 a day in ICU, up to 30 days) |
| Infectious diseases (e.g. dengue) | Covered: medical expenses for 20 named infectious diseases including dengue fever, hand, foot and mouth disease, Zika and malaria, within the S$2,500 medical limit, after a 14-day waiting period; cover ceases once an epidemic or pandemic is declared | Not covered: Income sells it as the "with infectious disease cover" version of this plan |
| 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
- HL Assurance: Promo code SAVE30: 10% + S$30 off
- Income: none to show
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is HL Assurance or Income cheaper for personal accident insurance?
Of the 10 examples both price, HL Assurance was cheaper on 9, Income on 1. Your own answers can change the order, so get your own quote.
How does HL Assurance's cover compare with Income's?
On each one's cheapest plan for accountant, S$200,000 cover (HL Assurance Family Protect360 Premier (S$250,000 an adult), Income PA Assurance Classic (S$200,000)): Accident medical expenses: HL Assurance S$2,500 an adult, including Chinese physician or chiropractor treatment up to 50% of the limit and ambulance charges up to S$200 an injury, Income S$6,000 per accident (outpatient S$3,000; physiotherapy S$1,500 a year; TCM or chiropractor S$750); Hospital cash: HL Assurance Not covered; income protector S$1,000 a month up to S$6,000 after permanent total disablement, home care S$2,500, Income S$150 a day, up to 365 days (S$450 a day in ICU, up to 30 days); Infectious diseases (e.g. dengue): HL Assurance Covered: medical expenses for 20 named infectious diseases including dengue fever, hand, foot and mouth disease, Zika and malaria, within the S$2,500 medical limit, after a 14-day waiting period; cover ceases once an epidemic or pandemic is declared, Income Not covered: Income sells it as the "with infectious disease cover" version of this plan; Excess: HL Assurance S$0.00, Income S$0.00.
What discounts are HL Assurance and Income running?
HL Assurance: Promo code SAVE30: 10% + S$30 off. Income: none to show.