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Personal accident insurance
Does personal accident insurance pay hospital cash?
As of 28 Oct 2026 (Singapore time)
Often. 19 of the 22 insurers we compare pay a daily cash sum while you are in hospital after an accident, usually S$50 to S$100 a day for a set number of days, more in intensive care; 1 sells it as an add-on; 2 leave it out. Hospital stays for illness are not covered.
The figures
- Insurers compared: 22, with 418 plans between them.
- Insurers with at least one plan that covers it: 19.
- Insurers that sell it as an optional add-on: 1.
- Insurers that exclude it on every plan: 2.
- Cheapest plan that covers it, for accountant, S$200,000 cover: Great American Great Personal Accident Insurance Elite (S$200,000) Basic, S$224.14.
- Median price among the insurers that cover it, for the same example: S$312.29.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| Great AmericanYesfrom S$224.14 | Yes | Great Personal Accident Insurance Elite (S$200,000) Basic18 of its 18 plansHospital cash: Not in the basic plan; the optional Enhanced Benefits add daily hospital income of S$100 for up to a year, emergency medical evacuation S$20,000, a monthly family allowance of S$1,500 for up to 12 months after accidental death, a compassionate allowance of S$10,000 and home modification costs of S$5,000 | S$224.14 |
| Tokio MarineYesfrom S$250.70 | Yes | TM 365 Personal Accident Plan C (S$200,000)16 of its 16 plansHospital cash: Recuperation benefit S$150 a day in hospital, up to 365 days; ICU S$300 a day up to 30 days | S$250.70 |
| EtiqaYesfrom S$264.49 | Yes | Tiq Personal Accident Enhanced Gold (S$300,000)12 of its 12 plansHospital cash: S$100 a day, up to 180 days | S$264.49 |
| Great EasternYesfrom S$283.40 | Yes | PA Supreme Plan B (S$200,000)16 of its 16 plansHospital cash: S$200 a day, up to 90 days (stays over 24 hours) | S$283.40 |
| ERGOYesfrom S$295.00 | Yes | ERGO AccidentProtect Essential (S$200,000), Core Cover + Add-on Cover 112 of its 24 plansHospital cash: S$200 a day in hospital, up to 1 year (Add-on Cover 1; also emergency evacuation up to S$30,000, lifestyle maintenance S$2,000 a month for 12 months and a compassionate allowance of S$10,000 on accidental death) | S$295.00 |
| EQ InsuranceYesfrom S$295.83 | Yes | EQ Personal Accident with medical expenses and income (the sum you choose, S$200,000 or S$500,000)8 of its 22 plansHospital cash: S$100 a day, up to 30 days (Section 4), plus S$1,000 a year for mobility aids (Section 5) | S$295.83 |
| LonpacYesfrom S$303.60 | Yes | Personal CarePlus Standard (S$200,000)12 of its 12 plansHospital cash: S$100 a day, up to 60 days | S$303.60 |
| AIGYesfrom S$305.20 | Yes | Sapphire Enhanced Choices Preferred, Basic package (S$200,000)32 of its 32 plansHospital cash: S$100 a day in hospital after an injury | S$305.20 |
| China TaipingYesfrom S$308.47 | Yes | Executive (S$200,000)16 of its 16 plansHospital cash: S$150 a day, up to 365 days, if hospitalised for more than 24 hours after an accident | S$308.47 |
| SompoYesfrom S$316.10 | Yes | PAStar Elite (S$200,000)15 of its 27 plansHospital cash: S$150 a day, up to 365 days per accident; doubled in ICU | S$316.10 |
| MSIGYesfrom S$322.73 | Yes | PA RecoveryPlus Gold (S$200,000)24 of its 30 plansHospital 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$322.73 |
| QBEYesfrom S$337.90 | Yes | PA Prestige Plan B (S$200,000)16 of its 16 plansHospital cash: S$100 a day (maximum days not stated); temporary total disablement S$200 a week | S$337.90 |
| HSBC LifeYesfrom S$357.36 | Yes | HSBC Life Band Aid Package 2 (S$200,000) with all 6 optional benefits6 of its 16 plansHospital cash: S$100 a day in hospital after an accident, up to 100 days; 200% in ICU, up to 50 days | S$357.36 |
| IncomeYesfrom S$361.88 | Yes | PA Assurance Classic (S$200,000)38 of its 38 plansDaily hospital income: S$150 a day, up to 365 days (S$450 a day in ICU, up to 30 days) | S$361.88 |
| AllianzYesfrom S$378.94 | Yes | Accident Protect Plus Gold (S$250,000)12 of its 12 plansHospital cash: S$100 a day, up to 750 days per accident; ICU S$200 a day up to 90 days; recuperation S$50 a day up to 30 days; weekly cash S$100 for total temporary disablement | S$378.94 |
| LibertyYesfrom S$389.13 | Yes | PACare Plus Enhanced Executive (S$200,000)20 of its 20 plansHospital cash: S$200 a day up to 365 days; ICU S$400 a day up to 90 days (incl. COVID-19 hospitalisation) | S$389.13 |
| SinglifeYesfrom S$423.57 | Yes | Personal Accident Standard (S$200,000)12 of its 12 plansHospital cash: S$100 a day up to 365 days; ICU S$200 a day up to 30 days | S$423.57 |
| FWDYesfrom S$458.68 | Yes | FWD Life PA S$200,000 (Plan B) with Income Support Rider Plan B12 of its 24 plansHospital cash: S$150 a day, up to 365 days per accident (S$75 for a child or someone not working); weekly income S$200 a week, up to 104 weeks | S$458.68 |
| ChubbYes | Yes | DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)10 of its 10 plansHospital cash: Not for an accident stay: S$100 a day (up to 60 days) only while in hospital for dengue, food poisoning or HFMD | – |
| UOIOptional add-onfrom S$218.76 | Optional add-on | UniPA Plus (S$200,000)9 of its 9 plansHospital cash: Optional add-on (extra premium): S$100 a day hospital confinement allowance, up to 365 days | S$218.76 |
| India InternationalNofrom S$239.80 | No | i-Aid Enhanced (S$200,000)20 of its 20 plansHospital cash: No hospital cash benefit; childcare or pre-school fees S$150 a day up to 30 days while hospitalised, mobility aid and ambulance S$600, bereavement S$3,000 | S$239.80 |
| HL AssuranceNofrom S$495.96 | No | Family Protect360 Premier (S$250,000 an adult)16 of its 16 plansHospital cash: Not covered; income protector S$1,000 a month up to S$6,000 after permanent total disablement, home care S$2,500 | S$495.96 |
All prices include 9% GST. A dash means the plan has no price for this example. Each insurer's policy wording is the final word on what is covered.
See every insurer's price for your own answers, with each plan's cover side by side.
Compare personal accident insuranceQuestions people ask
Does personal accident insurance pay hospital cash?
Often. 19 of the 22 insurers we compare pay a daily cash sum while you are in hospital after an accident, usually S$50 to S$100 a day for a set number of days, more in intensive care; 1 sells it as an add-on; 2 leave it out. Hospital stays for illness are not covered.
Where do these answers come from?
From each insurer's own policy documents: the benefit table and exclusions of every live plan we compare, 418 plans from 22 insurers. The policy wording is the final word on what is covered.
Which plan is cheapest?
For accountant, S$200,000 cover, Great American Great Personal Accident Insurance Elite (S$200,000) Basic is the cheapest plan that covers it, at S$224.14 today, GST included. The median of each insurer's lowest price is S$312.29.