Personal accident insurance
HL Assurance vs MSIG personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, HL Assurance was cheaper on 9, MSIG on 1. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | HL Assurance | MSIG |
|---|---|---|
| Accountant, S$200,000 cover | S$495.96Family Protect360 Premier (S$250,000 an adult)as at 8 Oct 2026code SAVE30 | S$322.73PA RecoveryPlus Gold (S$200,000)as at 19 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$154.78ProtectionPlus Silver (S$100,000)as at 19 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$125.35ProtectionPlus Silver (S$100,000)as at 19 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$125.35ProtectionPlus Silver (S$100,000)as at 19 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$207.10ProtectionPlus Silver (S$100,000)as at 19 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$238.17ProtectionPlus Silver, me and my spouse (S$100,000 each adult)as at 19 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$136.25ProtectionPlus Silver, me and my children (S$100,000)as at 19 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$147.15ProtectionPlus Silver, me and my children (S$100,000)as at 19 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$238.17ProtectionPlus Silver, my family (S$100,000 each adult)as at 19 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$238.17ProtectionPlus Silver, my family (S$100,000 each adult)as 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 | HL Assurance | MSIG |
|---|---|---|
| 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$2,000 per injury; alternative treatment S$400 (S$40 a visit); mobility aid S$2,000 |
| 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$100 a day up to 365 days (doubled in ICU up to 30 days); S$100 a day for dengue, food poisoning or HFMD up to 50 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 | Hospital income for dengue, food poisoning and hand, foot and mouth disease only |
| 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
- MSIG: 15% off; 20% off
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is HL Assurance or MSIG cheaper for personal accident insurance?
Of the 10 examples both price, HL Assurance was cheaper on 9, MSIG on 1. Your own answers can change the order, so get your own quote.
How does HL Assurance's cover compare with MSIG's?
On each one's cheapest plan for accountant, S$200,000 cover (HL Assurance Family Protect360 Premier (S$250,000 an adult), MSIG PA RecoveryPlus Gold (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, MSIG S$2,000 per injury; alternative treatment S$400 (S$40 a visit); mobility aid S$2,000; 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, MSIG S$100 a day up to 365 days (doubled in ICU up to 30 days); S$100 a day for dengue, food poisoning or HFMD up to 50 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, MSIG Hospital income for dengue, food poisoning and hand, foot and mouth disease only; Excess: HL Assurance S$0.00, MSIG S$0.00.
What discounts are HL Assurance and MSIG running?
HL Assurance: Promo code SAVE30: 10% + S$30 off. MSIG: 15% off; 20% off.