HL Assurance vs Tokio Marine personal accident insurance

Of the 10 examples both price, HL Assurance was cheaper on 8, Tokio Marine on 2. Your own answers can change the order, so get your own quote.

On each one's cheapest plan for accountant, S$200,000 cover (HL Assurance Family Protect360 Premier (S$250,000 an adult), Tokio Marine TM 365 Personal Accident Plan C (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, Tokio Marine S$6,000 per accident, inpatient and outpatient; Chinese physician and chiropractor sub-limit S$1,500; 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, 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 (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, Tokio Marine Dengue and Zika virus infection covered (brochure); limits not stated; Excess: HL Assurance S$0.00, Tokio Marine S$0.00.

HL Assurance: Promo code SAVE30: 10% + S$30 off. Tokio Marine: none to show.