Personal accident insurance
Income vs MSIG personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, Income was cheaper on 0, MSIG on 10. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Income | MSIG |
|---|---|---|
| Accountant, S$200,000 cover | S$361.88PA Assurance Classic (S$200,000)as at 16 Oct 2026 | S$322.73PA RecoveryPlus Gold (S$200,000)as at 19 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$154.78ProtectionPlus Silver (S$100,000)as at 19 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$125.35ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 |
| Class 2 job, S$50,000 cover | S$233.26PA Assurance Basic (S$100,000)as at 16 Oct 2026 | S$125.35ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 |
| Class 3 job, S$50,000 cover | S$233.26PA Assurance Basic (S$100,000)as at 16 Oct 2026 | S$207.10ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 |
| 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$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$373.22PA Assurance Basic, me and my children (S$100,000; each child 40% off)as at 16 Oct 2026 | 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$513.17PA Assurance Basic, me and my children (S$100,000; each child 40% off)as at 16 Oct 2026 | 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$606.48PA Assurance Basic, family (S$100,000 each adult; each child 40% off)as at 16 Oct 2026 | 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$746.43PA Assurance Basic, family (S$100,000 each adult; each child 40% off)as at 16 Oct 2026 | S$238.17ProtectionPlus Silver, my family (S$100,000 each adult)as at 19 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 | MSIG |
|---|---|---|
| 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$2,000 per injury; alternative treatment S$400 (S$40 a visit); mobility aid S$2,000 |
| 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 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 | Not covered: Income sells it as the "with infectious disease cover" version of this plan | 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
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is Income or MSIG cheaper for personal accident insurance?
Of the 10 examples both price, Income was cheaper on 0, MSIG on 10. Your own answers can change the order, so get your own quote.
How does Income's cover compare with MSIG's?
On each one's cheapest plan for accountant, S$200,000 cover (Income PA Assurance Classic (S$200,000), MSIG PA RecoveryPlus Gold (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), MSIG S$2,000 per injury; alternative treatment S$400 (S$40 a visit); mobility aid S$2,000; Daily hospital income: Income S$150 a day, up to 365 days (S$450 a day in ICU, up to 30 days), 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: Income Not covered: Income sells it as the "with infectious disease cover" version of this plan, MSIG Hospital income for dengue, food poisoning and hand, foot and mouth disease only; Excess: Income S$0.00, MSIG S$0.00.
What discounts are Income and MSIG running?
Income: none to show. MSIG: 15% off; 20% off.