Personal accident insurance
MSIG vs Tokio Marine personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, MSIG was cheaper on 3, Tokio Marine on 7. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | MSIG | Tokio Marine |
|---|---|---|
| Accountant, S$200,000 cover | S$322.73PA RecoveryPlus Gold (S$200,000)as at 19 Oct 2026 | S$250.70TM 365 Personal Accident Plan C (S$200,000)as at 19 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$196.20TM 365 Personal Accident Plan B (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$125.35ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 | S$92.65TM 365 Personal Accident Plan A (S$50,000)as at 19 Oct 2026 |
| Class 2 job, S$50,000 cover | S$125.35ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 | S$119.90TM 365 Personal Accident Plan A (S$50,000)as at 19 Oct 2026 |
| Class 3 job, S$50,000 cover | S$207.10ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 | S$218.00TM 365 Personal Accident Plan A (S$50,000)as at 19 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$166.77TM 365 Personal Accident Plan A (S$50,000), me and my spouseas at 19 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$122.63TM 365 Personal Accident Plan A (S$50,000) with Child Protector, me and my childrenas at 19 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$152.87TM 365 Personal Accident Plan A (S$50,000) with Child Protector, me and my childrenas at 19 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$194.57TM 365 Personal Accident Plan A (S$50,000) with Child Protector, my familyas at 19 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$231.63TM 365 Personal Accident Plan A (S$50,000) with Child Protector, my familyas 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 | MSIG | Tokio Marine |
|---|---|---|
| Medical expenses | S$2,000 per injury; alternative treatment S$400 (S$40 a visit); mobility aid S$2,000 | S$6,000 per accident, inpatient and outpatient; Chinese physician and chiropractor sub-limit S$1,500 |
| 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 | Recuperation benefit S$150 a day in hospital, up to 365 days; ICU S$300 a day up to 30 days |
| Infectious disease | Hospital income for dengue, food poisoning and hand, foot and mouth disease only | Dengue and Zika virus infection covered (brochure); limits not stated |
| 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
- MSIG: 15% off; 20% off
- Tokio Marine: none to show
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is MSIG or Tokio Marine cheaper for personal accident insurance?
Of the 10 examples both price, MSIG was cheaper on 3, Tokio Marine on 7. Your own answers can change the order, so get your own quote.
How does MSIG's cover compare with Tokio Marine's?
On each one's cheapest plan for accountant, S$200,000 cover (MSIG PA RecoveryPlus Gold (S$200,000), Tokio Marine TM 365 Personal Accident Plan C (S$200,000)): Medical expenses: MSIG S$2,000 per injury; alternative treatment S$400 (S$40 a visit); mobility aid S$2,000, Tokio Marine S$6,000 per accident, inpatient and outpatient; Chinese physician and chiropractor sub-limit S$1,500; 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, Tokio Marine Recuperation benefit S$150 a day in hospital, up to 365 days; ICU S$300 a day up to 30 days; Infectious disease: MSIG Hospital income for dengue, food poisoning and hand, foot and mouth disease only, Tokio Marine Dengue and Zika virus infection covered (brochure); limits not stated; Excess: MSIG S$0.00, Tokio Marine S$0.00.
What discounts are MSIG and Tokio Marine running?
MSIG: 15% off; 20% off. Tokio Marine: none to show.