Personal accident insurance
HL Assurance vs India International personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, HL Assurance was cheaper on 9, India International on 1. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | HL Assurance | India International |
|---|---|---|
| Accountant, S$200,000 cover | S$495.96Family Protect360 Premier (S$250,000 an adult)as at 8 Oct 2026code SAVE30 | S$239.80i-Aid Enhanced (S$200,000)as at 10 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$207.10i-Aid Standard (S$100,000)as at 10 Oct 2026 |
| Technician, S$500,000 cover | No online price | No online price |
| Class 1 job, S$50,000 cover | S$51.27Family Protect360 Bronze (S$50,000 an adult)as at 8 Oct 2026code SAVE30 | S$87.20i-Aid Basic (S$50,000)as at 10 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$114.45i-Aid Basic (S$50,000)as at 10 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$147.15i-Aid Basic (S$50,000)as at 10 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$174.40i-Aid Basic, me and my spouse (S$50,000 each adult)as at 10 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$163.50i-Aid Basic, me and my children (S$50,000; S$10,000 each child)as at 10 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$239.80i-Aid Basic, me and my children (S$50,000; S$10,000 each child)as at 10 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$250.70i-Aid Basic, family (S$50,000 each adult, S$10,000 each child)as at 10 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$327.00i-Aid Basic, family (S$50,000 each adult, S$10,000 each child)as at 10 Oct 2026 |
| 1 child on their own | No online price | S$76.30i-Aid Basic, children only (S$10,000 each child)as at 10 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 | India International |
|---|---|---|
| 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 any one accident, Chinese medical treatment up to S$1,200 within it |
| 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 | No hospital cash benefit; childcare or pre-school fees S$150 a day up to 30 days while hospitalised, mobility aid and ambulance S$600, bereavement S$3,000 |
| 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 | Medical expenses for chikungunya, dengue haemorrhagic fever, hand foot and mouth disease, pulmonary tuberculosis and Zika: S$3,000 |
| 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
- India International: 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 India International cheaper for personal accident insurance?
Of the 10 examples both price, HL Assurance was cheaper on 9, India International on 1. Your own answers can change the order, so get your own quote.
How does HL Assurance's cover compare with India International's?
On each one's cheapest plan for accountant, S$200,000 cover (HL Assurance Family Protect360 Premier (S$250,000 an adult), India International i-Aid Enhanced (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, India International S$6,000 any one accident, Chinese medical treatment up to S$1,200 within it; 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, India International No hospital cash benefit; childcare or pre-school fees S$150 a day up to 30 days while hospitalised, mobility aid and ambulance S$600, bereavement S$3,000; 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, India International Medical expenses for chikungunya, dengue haemorrhagic fever, hand foot and mouth disease, pulmonary tuberculosis and Zika: S$3,000; Excess: HL Assurance S$0.00, India International S$0.00.
What discounts are HL Assurance and India International running?
HL Assurance: Promo code SAVE30: 10% + S$30 off. India International: none to show.