Personal accident insurance
Lonpac vs MSIG personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, Lonpac was cheaper on 1, MSIG on 8. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Lonpac | MSIG |
|---|---|---|
| Accountant, S$200,000 cover | S$303.60Personal CarePlus Standard (S$200,000)as at 11 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$171.20Personal CarePlus Basic (S$100,000)as at 11 Oct 2026 | 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$171.20Personal CarePlus Basic (S$100,000)as at 11 Oct 2026 | S$125.35ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 |
| Class 2 job, S$50,000 cover | S$171.20Personal CarePlus Basic (S$100,000)as at 11 Oct 2026 | S$125.35ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 |
| Class 3 job, S$50,000 cover | No online price | S$207.10ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 |
| You and your spouse, S$50,000 cover | S$325.28Personal CarePlus Basic, me and my spouse (S$100,000 each adult; spouse 10% off)as at 11 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$205.44Personal CarePlus Basic, me and my children (S$100,000; each child S$34.24, up to 3)as at 11 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$239.68Personal CarePlus Basic, me and my children (S$100,000; each child S$34.24, up to 3)as at 11 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$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 | 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$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 | 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 | Lonpac | MSIG |
|---|---|---|
| Accident medical expenses | S$6,000 a year (TCM S$100 per treatment, up to S$750 a year) | S$2,000 per injury; alternative treatment S$400 (S$40 a visit); mobility aid S$2,000 |
| Hospital cash | S$100 a day, up to 60 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 (e.g. dengue) | Up to S$1,200 for 21 infectious diseases including dengue, Zika, HFMD and MERS; HIV through blood transfusion S$10,000 | 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 Lonpac or MSIG cheaper for personal accident insurance?
Of the 9 examples both price, Lonpac was cheaper on 1, MSIG on 8. Your own answers can change the order, so get your own quote.
How does Lonpac's cover compare with MSIG's?
On each one's cheapest plan for accountant, S$200,000 cover (Lonpac Personal CarePlus Standard (S$200,000), MSIG PA RecoveryPlus Gold (S$200,000)): Accident medical expenses: Lonpac S$6,000 a year (TCM S$100 per treatment, up to S$750 a year), MSIG S$2,000 per injury; alternative treatment S$400 (S$40 a visit); mobility aid S$2,000; Hospital cash: Lonpac S$100 a day, up to 60 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 (e.g. dengue): Lonpac Up to S$1,200 for 21 infectious diseases including dengue, Zika, HFMD and MERS; HIV through blood transfusion S$10,000, MSIG Hospital income for dengue, food poisoning and hand, foot and mouth disease only; Excess: Lonpac S$0.00, MSIG S$0.00.
What discounts are Lonpac and MSIG running?
Lonpac: none to show. MSIG: 15% off; 20% off.