Personal accident insurance
HL Assurance vs QBE personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, HL Assurance was cheaper on 9, QBE on 1. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | HL Assurance | QBE |
|---|---|---|
| Accountant, S$200,000 cover | S$495.96Family Protect360 Premier (S$250,000 an adult)as at 8 Oct 2026code SAVE30 | S$337.90PA Prestige Plan B (S$200,000)as at 11 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$256.15PA Prestige Plan A (S$100,000)as at 11 Oct 2026 |
| Technician, S$500,000 cover | No online price | S$850.20PA Prestige Plan C (S$500,000)as at 11 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$223.45PA Prestige Plan A (S$100,000)as at 11 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$256.15PA Prestige Plan A (S$100,000)as at 11 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$288.85PA Prestige Plan A (S$100,000)as at 11 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$446.90PA Prestige Plan A, me and my spouse (S$100,000 each adult)as at 11 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$253.97PA Prestige Plan A, me and my children (S$100,000; each child S$30.52)as at 11 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$284.49PA Prestige Plan A, me and my children (S$100,000; each child S$30.52)as at 11 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$446.90PA Prestige Plan A, family (S$100,000 each adult, up to 3 children free; S$30.52 each further child)as at 11 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$446.90PA Prestige Plan A, family (S$100,000 each adult, up to 3 children free; S$30.52 each further child)as at 11 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 | QBE |
|---|---|---|
| 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$5,000 per accident with no aggregate limit and no excess or co-payment; Chinese physician/chiropractor sub-limit up to 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$100 a day (maximum days not stated); temporary total disablement S$200 a week |
| 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 | Dengue fever and Zika virus, and medical expenses due to infectious disease, are extensions under the basic cover (limits not stated in the brochure) |
| 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
- QBE: 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 QBE cheaper for personal accident insurance?
Of the 10 examples both price, HL Assurance was cheaper on 9, QBE on 1. Your own answers can change the order, so get your own quote.
How does HL Assurance's cover compare with QBE's?
On each one's cheapest plan for accountant, S$200,000 cover (HL Assurance Family Protect360 Premier (S$250,000 an adult), QBE PA Prestige Plan B (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, QBE S$5,000 per accident with no aggregate limit and no excess or co-payment; Chinese physician/chiropractor sub-limit up to 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, QBE S$100 a day (maximum days not stated); temporary total disablement S$200 a week; 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, QBE Dengue fever and Zika virus, and medical expenses due to infectious disease, are extensions under the basic cover (limits not stated in the brochure); Excess: HL Assurance S$0.00, QBE S$0.00.
What discounts are HL Assurance and QBE running?
HL Assurance: Promo code SAVE30: 10% + S$30 off. QBE: none to show.