Personal accident insurance
Income vs Lonpac personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, Income was cheaper on 0, Lonpac on 9. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Income | Lonpac |
|---|---|---|
| Accountant, S$200,000 cover | S$361.88PA Assurance Classic (S$200,000)as at 16 Oct 2026 | S$303.60Personal CarePlus Standard (S$200,000)as at 11 Oct 2026 |
| Sales executive who travels for work, S$100,000 cover | S$233.26PA Assurance Basic (S$100,000)as at 16 Oct 2026 | S$171.20Personal CarePlus Basic (S$100,000)as at 11 Oct 2026 |
| Technician, S$500,000 cover | S$817.50PA Assurance Premium (S$500,000)as at 16 Oct 2026 | No online price |
| Class 1 job, S$50,000 cover | S$233.26PA Assurance Basic (S$100,000)as at 16 Oct 2026 | S$171.20Personal CarePlus Basic (S$100,000)as at 11 Oct 2026 |
| Class 2 job, S$50,000 cover | S$233.26PA Assurance Basic (S$100,000)as at 16 Oct 2026 | S$171.20Personal CarePlus Basic (S$100,000)as at 11 Oct 2026 |
| Class 3 job, S$50,000 cover | S$233.26PA Assurance Basic (S$100,000)as at 16 Oct 2026 | No online price |
| You and your spouse, S$50,000 cover | S$466.52PA Assurance Basic, me and my spouse (S$100,000 each)as at 16 Oct 2026 | S$325.28Personal CarePlus Basic, me and my spouse (S$100,000 each adult; spouse 10% off)as at 11 Oct 2026 |
| You and 1 child, S$50,000 cover | S$373.22PA Assurance Basic, me and my children (S$100,000; each child 40% off)as at 16 Oct 2026 | S$205.44Personal CarePlus Basic, me and my children (S$100,000; each child S$34.24, up to 3)as at 11 Oct 2026 |
| You and 2 children, S$50,000 cover | S$513.17PA Assurance Basic, me and my children (S$100,000; each child 40% off)as at 16 Oct 2026 | S$239.68Personal CarePlus Basic, me and my children (S$100,000; each child S$34.24, up to 3)as at 11 Oct 2026 |
| Family: you, your spouse and 1 child, S$50,000 cover | S$606.48PA Assurance Basic, family (S$100,000 each adult; each child 40% off)as at 16 Oct 2026 | S$359.52Personal CarePlus Basic, family (S$100,000 each adult, spouse 10% off; each child S$34.24, up to 3)as at 11 Oct 2026 |
| Family: you, your spouse and 2 children, S$50,000 cover | S$746.43PA Assurance Basic, family (S$100,000 each adult; each child 40% off)as at 16 Oct 2026 | S$393.76Personal CarePlus Basic, family (S$100,000 each adult, spouse 10% off; each child S$34.24, up to 3)as at 11 Oct 2026 |
| 1 child on their own | S$233.26PA Assurance Basic, children only (S$100,000 each child, full price)as at 16 Oct 2026 | 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 | Income | Lonpac |
|---|---|---|
| Medical expenses after an accident | S$6,000 per accident (outpatient S$3,000; physiotherapy S$1,500 a year; TCM or chiropractor S$750) | S$6,000 a year (TCM S$100 per treatment, up to S$750 a year) |
| Daily hospital income | S$150 a day, up to 365 days (S$450 a day in ICU, up to 30 days) | S$100 a day, up to 60 days |
| Infectious diseases | Not covered: Income sells it as the "with infectious disease cover" version of this plan | Up to S$1,200 for 21 infectious diseases including dengue, Zika, HFMD and MERS; HIV through blood transfusion S$10,000 |
| 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
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is Income or Lonpac cheaper for personal accident insurance?
Of the 9 examples both price, Income was cheaper on 0, Lonpac on 9. Your own answers can change the order, so get your own quote.
How does Income's cover compare with Lonpac's?
On each one's cheapest plan for accountant, S$200,000 cover (Income PA Assurance Classic (S$200,000), Lonpac Personal CarePlus Standard (S$200,000)): Medical expenses after an accident: Income S$6,000 per accident (outpatient S$3,000; physiotherapy S$1,500 a year; TCM or chiropractor S$750), Lonpac S$6,000 a year (TCM S$100 per treatment, up to S$750 a year); Daily hospital income: Income S$150 a day, up to 365 days (S$450 a day in ICU, up to 30 days), Lonpac S$100 a day, up to 60 days; Infectious diseases: Income Not covered: Income sells it as the "with infectious disease cover" version of this plan, Lonpac Up to S$1,200 for 21 infectious diseases including dengue, Zika, HFMD and MERS; HIV through blood transfusion S$10,000; Excess: Income S$0.00, Lonpac S$0.00.
What discounts are Income and Lonpac running?
Income: none to show. Lonpac: none to show.