Personal accident insurance
MSIG vs Sompo personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, MSIG was cheaper on 4, Sompo on 5, and they tied on 1. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | MSIG | Sompo |
|---|---|---|
| Accountant, S$200,000 cover | S$322.73PA RecoveryPlus Gold (S$200,000)as at 19 Oct 2026 | S$316.10PAStar Elite (S$200,000)as at 9 Oct 2026 |
| Sales executive who travels for work, S$100,000 cover | S$154.78ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 | S$154.78PA Ease Plan 2 (S$100,000)as at 9 Oct 2026 |
| Technician, S$500,000 cover | No online price | No online price |
| Class 1 job, S$50,000 cover | S$125.35ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 | S$95.92PA Ease Plan 1 (S$50,000)as at 9 Oct 2026 |
| Class 2 job, S$50,000 cover | S$125.35ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 | S$95.92PA Ease Plan 1 (S$50,000)as at 9 Oct 2026 |
| Class 3 job, S$50,000 cover | S$207.10ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 | S$130.80PA Ease Plan 1 (S$50,000)as at 9 Oct 2026 |
| You and your spouse, S$50,000 cover | S$238.17ProtectionPlus Silver, me and my spouse (S$100,000 each adult)as at 19 Oct 2026 | S$191.84PA Ease Plan 1, me and my spouse (S$50,000 each adult)as at 9 Oct 2026 |
| You and 1 child, S$50,000 cover | S$136.25ProtectionPlus Silver, me and my children (S$100,000)as at 19 Oct 2026 | S$143.88PA Ease Plan 1, me and my children (S$50,000; each child S$47.96)as at 9 Oct 2026 |
| You and 2 children, S$50,000 cover | S$147.15ProtectionPlus Silver, me and my children (S$100,000)as at 19 Oct 2026 | S$191.84PA Ease Plan 1, me and my children (S$50,000; each child S$47.96)as at 9 Oct 2026 |
| Family: you, your spouse and 1 child, S$50,000 cover | S$238.17ProtectionPlus Silver, my family (S$100,000 each adult)as at 19 Oct 2026 | S$239.80PA Ease Plan 1, family (S$50,000 each adult; each child S$47.96)as at 9 Oct 2026 |
| Family: you, your spouse and 2 children, S$50,000 cover | S$238.17ProtectionPlus Silver, my family (S$100,000 each adult)as at 19 Oct 2026 | S$287.76PA Ease Plan 1, family (S$50,000 each adult; each child S$47.96)as at 9 Oct 2026 |
| 1 child on their own | No online price | S$152.60PAJunior Bunny (S$10,000 each child; first child S$152.60, then 10% off)as at 9 Oct 2026 |
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 | MSIG | Sompo |
|---|---|---|
| Medical expenses | S$2,000 per injury; alternative treatment S$400 (S$40 a visit); mobility aid S$2,000 | S$4,000 per accident; Chinese physician or chiropractor S$100 a visit, S$600 per accident, S$1,200 a year; physiotherapy S$1,500 a year |
| Hospital cash | 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 | S$150 a day, up to 365 days per accident; doubled in ICU |
| Infectious disease | Hospital income for dengue, food poisoning and hand, foot and mouth disease only | Covered: 24 infectious diseases including dengue, HFMD, Zika and COVID-19 (death and disablement, medical expenses, hospital allowance); not while declared an epidemic or pandemic |
| 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 MSIG or Sompo cheaper for personal accident insurance?
Of the 10 examples both price, MSIG was cheaper on 4, Sompo on 5, and they tied on 1. Your own answers can change the order, so get your own quote.
How does MSIG's cover compare with Sompo's?
On each one's cheapest plan for accountant, S$200,000 cover (MSIG PA RecoveryPlus Gold (S$200,000), Sompo PAStar Elite (S$200,000)): Medical expenses: MSIG S$2,000 per injury; alternative treatment S$400 (S$40 a visit); mobility aid S$2,000, Sompo S$4,000 per accident; Chinese physician or chiropractor S$100 a visit, S$600 per accident, S$1,200 a year; physiotherapy S$1,500 a year; Hospital cash: 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, Sompo S$150 a day, up to 365 days per accident; doubled in ICU; Infectious disease: MSIG Hospital income for dengue, food poisoning and hand, foot and mouth disease only, Sompo Covered: 24 infectious diseases including dengue, HFMD, Zika and COVID-19 (death and disablement, medical expenses, hospital allowance); not while declared an epidemic or pandemic; Excess: MSIG S$0.00, Sompo S$0.00.
What discounts are MSIG and Sompo running?
MSIG: 15% off; 20% off. Sompo: none to show.