Best Insurance Companies in Singapore 2024

We've rounded up the best insurance companies for travel, home, motor, maid, health and life insurance based on our in-depth analysis and compiled them into an easy to understand guide to make your purchasing decisions easier.

Best Travel Insurance Companies
  • Allianz Travel Insurance: Affordable travel insurance with high trip inconvenience and medical coverage
  • FWD Travel Insurance: Best value travel insurance that offers a wide array of benefits
  • Aviva Travel Insurance: Offers rarely found benefits like the ability to cancel or change your trip for any reason
Best Car Insurance Companies
  • Budget Direct Car Insurance: Cheapest car insurance plans that can be good for safe and experienced drivers
  • FWD Car Insurance: Affordable plan for the average driver, with option to waive young driver excess
  • Aviva Car Insurance: Great value for money for families, offers a wide array of benefits
Best Home Insurance Companies
  • Income Home Insurance: Affordable premiums for most consumers; helps you calculate building coverage to eliminate guesswork
  • FWD Home Insurance: High value home insurance that offers a wide array of coverage, including rarely found landlord benefits
  • AXA Home Insurance: A great option for homeowners with expensive belongings who don't want to pay a high premium
Best FDW Insurance Companies
  • Etiqa Maid Insurance: Affordable coverage that offers a wide array of peace of mind benefits
  • FWD Maid Insurance: High value for money plan with a variety of options to build customisable coverage
Best Health Insurance Companies
  • Great Eastern GREAT SupremeHealth: Premiums are 20-40% cheaper than average while providing above average benefit limits
  • Prudential PruShield: Great value for the average, healthy Singaporean.
  • FWD International Health Insurance: Affordable international health plan that can provide comprehensive coverage for students, expats and Singaporeans abroad
Best Direct Purchase Life Insurance Companies
  • Etiqa: Offers affordable DPI term and whole life and a traditional term life policy you can buy online
  • FWD: Offers DPI term and traditional term life plans you can buy online
  • SingLife: Offers two types of term life policies that cost below average for older consumers
Traditional Life Insurance Companies

Compare the Best Insurance Companies in Singapore

After gathering thousands of data points from insurance companies in Singapore, our team at ValueChampion has been able to get a clear view of the insurers who consistently offer products that outperform the competition. These companies provide attractive premiums, great benefits and have received great ratings from us and their consumers. Below, we list the clear winners in the insurance market per category.

This table shows the average rating of insurers in Singapore based on ValueChampion's review ratings of travel, car, home, maid, health and certain life insurance products

Best General Insurers in Singapore

General insurance is an umbrella term for policies like travel, home, car and domestic worker insurance. Its main job is to provide financial protection against risks that can happen in everyday life, like getting into a car accident or having your flat robbed. In Singapore, most general insurers let you buy these products without having to go through a financial adviser. In general, FWD, Aviva & Etiqa are the 3 general insurance companies that have consistently received the best scores from us due to their competitive premiums and high quality insurance offerings.

Best Travel Insurers: Allianz, FWD & Aviva

The best travel insurers in Singapore are Allianz, FWD and Aviva. They provide great value for money via competitive premiums (11-37% cheaper than average for most trips), comprehensive coverage and easy purchasing and claiming procedures. They all offer single trip and annual trip coverage and 24/7 emergency assistance services.

Our Picks:
1-Week Premiums:
From S$32.00
From S$20.25
From S$29.77
Emergency Evacuation:S$500K-UnlimitedUnlimitedS$250K-Unlimited
Medical:S$400K-UnlimitedS$200K-S$400KS$250K-Unlimited
Accident/Death:S$35K-S$100KS$200K-S$400KS$50K-S$500K
Cancellation:S$10K-S$25KS$7.5K-S$15KS$5k-S$20K
Trip Delay:S$1.5KS$300-S$1KS$500-S$2K
Adventurous Activities:LimitedCoveredCovered
Learn More:Full ReviewFull ReviewFull Review

Promotions

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Button\" data-eventlabel=\"Singlife with Aviva\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Singlife with Aviva\" href=\"\/redirect\/travel_insurance_companies\/4?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fquotebuy.singlife.com%252Fqnb%252Fgi%252F%2523%252Ftravel%252Fget-quote%253FaffCode%253DPP001\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
InsurerPremium^
  • Evacuation:S$500K-Unlimited
  • Medical: S$400K-Unlimited
  • Accident/Death: S$35K-S$100K
  • Cancellation: S$10K-S$25K
  • Trip Delay: S$1.5K
  • Adventurous Activities: Limited
Full Review
S$32.00
  • Evacuation: Unlimited
  • Medical: S$200K-S$400K
  • Accident/Death: S$200K-S$400K
  • Cancellation: S$7.5K-S$15K
  • Trip Delay: S$300-S$1K
  • Adventurous Activities: Covered
Full Review
S$20.25
  • Evacuation: S$250K-Unlimited
  • Medical: S$250K-Unlimited
  • Accident/Death: S$50K-S$500K
  • Cancellation: S$5k-S$20K
  • Trip Delay: S$500-S$2K
  • Adventurous Activities: Covered
Full Review
S$54.78
^Premiums are for 1 week trip to ASEAN destinations

Allianz offers travel insurance plans that are 31% cheaper on average and are laden with trip inconvenience and medical benefits. For instance, Allianz offers above average coverage limits for loss/damage to checked and unchecked luggage, loss of credit cards and travel documents, travel delays, trip curtailments and cancellation. For medical coverage, Allianz offers everything from the standard emergency hospitalization coverage to more niche benefits like pregnancy coverage and hospitalisation allowance. If you buy the Gold plan, you will have unlimited emergency medical coverage, a rare feature among travel insurance plans.

FWD is one of our top travel insurers thanks to its competitive premiums (on average 37% cheaper the industry average) and customisable benefits. FWD's coverage limits are typically above average, which makes its travel insurance plans a great value for money option. Emergency medical evacuation is limitless, which is a valuable feature as evacuations are very costly. Sports equipment and sports activities are covered as well, so you can have peace of mind if you choose to do something new during your trips. Lastly, FWD offers a free policy extension of up to 21 days so you will remain covered if you end up in the hospital or are delayed due to a serious public event.

Aviva's combination of attractive premiums and generous coverage definitely makes it one of the best travel insurers in Singapore. Considering that Aviva offers unlimited medical coverage and covers trip cancellations and travel date changes for any reason, Aviva's plans are an absolute steal for the price. Overall, we found premiums to average 11% cheaper compared to its competitors and MINDEF/MHA servicemen will pay even less since Aviva offers a 30% discount. Furthermore, Aviva is one of the less restrictive companies and provides coverage for a plethora of things you may not have even known you needed, like frequent flyers points, weddings, winter/water sports and motorcycling.

More Information: Best Cheap Travel Insurance in Singapore

Best Car Insurers: Budget Direct, FWD & Aviva

The best car insurers are Budget Direct, FWD and Aviva. They offer comprehensive coverage for attractive premiums and can be a good match for any kind of driver.

Our Picks:
Driver Personal Accident:S$20K (extra fee)S$30K-S$75KS$0-S$100K
Medical Limit:S$500 (extra fee)S$1K-S$5KS$500-S$5K
Towing Limit:S$200S$300-S$400Unlimited
Temporary Transport Limit:S$50/day (extra fee)S$40-S$80/dayS$500-S$2K
Roadside Assistance:Yes (extra fee)YesYes
YIDR Excess:S$500S$2,500 (Waivable)S$2,500 (Waivable for Prestige Plan)
Learn More:Full ReviewFull ReviewFull Review

Promotions

  • Budget Direct:
  • FWD:
  • Aviva:
{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate car_insurance_companies: Budget Direct Comprehensive - Image\" data-eventlabel=\"Budget Direct Comprehensive\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Budget Direct Comprehensive\" href=\"\/redirect\/car_insurance_companies\/8?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fdocs.google.com%252Fforms%252Fd%252F1gBZW-Nvq85Bn6DrJV_k0OAs5cUGfPlmDlw9xfp6beyU%252Fviewform%253Fedit_requested%253Dtrue\"\u003E\u003Cimg alt=\"Budget Direct Comprehensive\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/budgetdirect-2\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/budgetdirect-2\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/budgetdirect-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/budgetdirect-2 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: Budget Direct Comprehensive - Button\" data-eventlabel=\"Budget Direct Comprehensive\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Budget Direct Comprehensive\" href=\"\/redirect\/car_insurance_companies\/8?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fdocs.google.com%252Fforms%252Fd%252F1gBZW-Nvq85Bn6DrJV_k0OAs5cUGfPlmDlw9xfp6beyU%252Fviewform%253Fedit_requested%253Dtrue\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate car_insurance_companies: Budget Direct Comprehensive - Image\" data-eventlabel=\"Budget Direct Comprehensive\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Budget Direct Comprehensive\" href=\"\/redirect\/car_insurance_companies\/8?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fdocs.google.com%252Fforms%252Fd%252F1gBZW-Nvq85Bn6DrJV_k0OAs5cUGfPlmDlw9xfp6beyU%252Fviewform%253Fedit_requested%253Dtrue\"\u003E\u003Cimg alt=\"Budget Direct Comprehensive\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/budgetdirect-2\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/budgetdirect-2\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/budgetdirect-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/budgetdirect-2 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: Budget Direct Comprehensive - Button\" data-eventlabel=\"Budget Direct Comprehensive\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Budget Direct Comprehensive\" href=\"\/redirect\/car_insurance_companies\/8?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fdocs.google.com%252Fforms%252Fd%252F1gBZW-Nvq85Bn6DrJV_k0OAs5cUGfPlmDlw9xfp6beyU%252Fviewform%253Fedit_requested%253Dtrue\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate car_insurance_companies: FWD Classic - Image\" data-eventlabel=\"FWD Classic\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD Classic\" href=\"\/redirect\/car_insurance_companies\/21?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Fcar-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DNonAPI%2526utm_campaign%253DPolicyPal\"\u003E\u003Cimg alt=\"FWD Classic\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/fwd-4\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: FWD Classic - Button\" data-eventlabel=\"FWD Classic\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD Classic\" href=\"\/redirect\/car_insurance_companies\/21?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Fcar-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DNonAPI%2526utm_campaign%253DPolicyPal\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate car_insurance_companies: FWD Classic - Image\" data-eventlabel=\"FWD Classic\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD Classic\" href=\"\/redirect\/car_insurance_companies\/21?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Fcar-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DNonAPI%2526utm_campaign%253DPolicyPal\"\u003E\u003Cimg alt=\"FWD Classic\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/fwd-4\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: FWD Classic - Button\" data-eventlabel=\"FWD Classic\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD Classic\" href=\"\/redirect\/car_insurance_companies\/21?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Fcar-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DNonAPI%2526utm_campaign%253DPolicyPal\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate car_insurance_companies: Singlife Prestige - Image\" data-eventlabel=\"Singlife Prestige\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Singlife Prestige\" href=\"\/redirect\/car_insurance_companies\/46?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fquotebuy.singlife.com%252Fqnb%252Fgi%252F%2523%252Fmotor%252Fget-quote%253Fpromocode%253DPP001\"\u003E\u003Cimg alt=\"Singlife Prestige\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: Singlife Prestige - Button\" data-eventlabel=\"Singlife Prestige\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Singlife Prestige\" href=\"\/redirect\/car_insurance_companies\/46?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fquotebuy.singlife.com%252Fqnb%252Fgi%252F%2523%252Fmotor%252Fget-quote%253Fpromocode%253DPP001\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate car_insurance_companies: Singlife Prestige - Image\" data-eventlabel=\"Singlife Prestige\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Singlife Prestige\" href=\"\/redirect\/car_insurance_companies\/46?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fquotebuy.singlife.com%252Fqnb%252Fgi%252F%2523%252Fmotor%252Fget-quote%253Fpromocode%253DPP001\"\u003E\u003Cimg alt=\"Singlife Prestige\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: Singlife Prestige - Button\" data-eventlabel=\"Singlife Prestige\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Singlife Prestige\" href=\"\/redirect\/car_insurance_companies\/46?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fquotebuy.singlife.com%252Fqnb%252Fgi%252F%2523%252Fmotor%252Fget-quote%253Fpromocode%253DPP001\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
  • Budget Direct:
  • FWD:
  • Aviva:
Benefit Limits
Budget Direct Car Insurance
  • Personal Accident: S$20K (extra fee)
  • Medical: S$500 (extra fee)
  • Towing: S$200
  • Temporary Transport: S$50/day (extra fee)
  • Roadside Assistance: Yes (extra fee)
  • YIDR Excess: S$500
Full Review
FWD Car Insurance
  • Personal Accident: S$30K-S$75K
  • Medical: S$1K-S$5K
  • Towing: S$300-S$400
  • Temporary Transport: S$40-S$80/day
  • Roadside Assistance: Yes
  • YIDR Excess: S$2,500 (Waivable)
Full Review
Aviva Car Insurance
  • Personal Accident: S$0-S$100K
  • Medical: S$500-S$5K
  • Towing: Unlimited
  • Temporary Transport: S$500-S$2K
  • Roadside Assistance: Yes
  • YIDR Excess: S$2,500 (Waivable for Prestige Plan)
Full Review

Budget Direct makes our list due to its rock bottom premiums and simple, no frills coverage. It's a great option for experienced drivers who have a track record of safe driving and don't require a plethora of miscellaneous benefits. Its premiums are consistently the lowest we've seen on the market, with premiums averaging 30% below the industry average. While Budget Direct doesn't include a wide array of benefits in its base plan, it does offer them as add-ons. This is a valuable feature as it lets you customise your plan based on your budget and coverage needs. Budget Direct also offers 24/7 claims support, so you will have someone guide you through the process no matter when the need arises.

FWD is one of the best car insurance companies in Singapore due to its competitive premiums and comprehensive coverage. With premiums costing roughly 19% below average for most drivers, FWD's plans offer something for everybody—consumers on a budget will like the Classic Plan's rock bottom premiums, while the drivers looking to maximise coverage will be impressed with the Prestige plan. You can also waive the young and inexperienced driver's excess, which can potentially save you S$1,500 in out-of-pocket costs. FWD's Third Party, Fire & Theft and Third Party Only plans are also highly competitive and provide more benefits than typical TPFT and TPO plans on the market, like towing and roadside assistance. Lastly, safe drivers with a 50% NCD can save big by remaining loyal to FWD. Its 50% NCD lifetime guarantee benefit lets you keep it as long as you are insured with them regardless of how many at-fault accidents occur.

Aviva's car insurance plans are a great choice for the average driver, but they'll really stand out with families and young drivers (under 30 years of age). While on average, Aviva's car insurance premiums are 19% cheaper than its competitors, young drivers may find Aviva's premiums to be 45% cheaper for their age group compared to the competition. However, Aviva's attractive pricing model does not mean it skimps on benefits. Instead, even families with small children will find Aviva's car insurance plans to offer enough peace of mind benefits. For instance, there is child seat coverage, unlimited car accessory coverage and coverage from natural disasters. There is also roadside rescue, towing and on-site accident reporting benefits for no extra cost.

More Information: Best Cheap Car Insurance in Singapore

Best Home Insurers: Income, FWD & AXA

We found Income, FWD & AXA to be the best home insurance companies in Singapore. Their home insurance plans are competitively priced and they provide seamless coverage with easy application and claims processes.

Our Picks:
AXA Insurance
AXA Insurance
Renovation Coverage:Up to S$500KUp to S$100KUp to S$3m
Contents Coverage:Up to S$200KUp to S$100KUp to S$500K
Building Coverage:Up to S$1mUp to S$250K-S$1mUp to S$3m
Alternative Accommodation:Up to S$15KS$15K-S$35KUp to S$15K
Valuables Sub-limit:15% of contentsS$1,000 per item1/3 of contents
Conservancy Charges:S$1KS$5K-S$10KS$1K
Learn More:Full ReviewFull ReviewFull Review

Promotions

  • Income:
  • FWD:
  • AXA:
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Button\" data-eventlabel=\"NTUC Income\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"NTUC Income\" href=\"\/redirect\/home_insurance_companies\/11?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fdocs.google.com%252Fforms%252Fd%252F1kScdrZ-P4sdhBuzNo8wWJlQLMEZ15Rn4S2rYoRR73tI%252Fviewform%253Fedit_requested%253Dtrue\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate home_insurance_companies: NTUC Income - Image\" data-eventlabel=\"NTUC Income\" rel=\"nofollow noopener\" target=\"_blank\" title=\"NTUC Income\" href=\"\/redirect\/home_insurance_companies\/11?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fdocs.google.com%252Fforms%252Fd%252F1kScdrZ-P4sdhBuzNo8wWJlQLMEZ15Rn4S2rYoRR73tI%252Fviewform%253Fedit_requested%253Dtrue\"\u003E\u003Cimg alt=\"NTUC Income\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/ntuc-3\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/ntuc-3\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/ntuc-3 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/ntuc-3 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate home_insurance_companies: NTUC Income - Button\" data-eventlabel=\"NTUC Income\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"NTUC Income\" href=\"\/redirect\/home_insurance_companies\/11?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fdocs.google.com%252Fforms%252Fd%252F1kScdrZ-P4sdhBuzNo8wWJlQLMEZ15Rn4S2rYoRR73tI%252Fviewform%253Fedit_requested%253Dtrue\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate home_insurance_companies: FWD - Image\" data-eventlabel=\"FWD\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect\/home_insurance_companies\/18?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Fhome-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DNonAPI%2526utm_campaign%253DPolicyPal\"\u003E\u003Cimg alt=\"FWD\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/fwd-4\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate home_insurance_companies: FWD - Button\" data-eventlabel=\"FWD\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect\/home_insurance_companies\/18?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Fhome-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DNonAPI%2526utm_campaign%253DPolicyPal\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate home_insurance_companies: FWD - Image\" data-eventlabel=\"FWD\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect\/home_insurance_companies\/18?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Fhome-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DNonAPI%2526utm_campaign%253DPolicyPal\"\u003E\u003Cimg alt=\"FWD\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/fwd-4\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate home_insurance_companies: FWD - Button\" data-eventlabel=\"FWD\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect\/home_insurance_companies\/18?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Fhome-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DNonAPI%2526utm_campaign%253DPolicyPal\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Cimg alt=\"AXA Insurance\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/axa-2\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/axa-2\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/axa-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/axa-2 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Cimg alt=\"AXA Insurance\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/axa-2\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/axa-2\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/axa-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/axa-2 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
  • Income:
  • FWD:
  • AXA:
Benefit Limits
Income Home Insurance
  • Renovation Coverage: Up to S$500K
  • Contents Coverage: Up to S$200K
  • Building Coverage: Up to S$1m
  • Alternative Accommodation: Up to S$15K
  • Valuables Sub-limit: 15% of contents
  • Conservancy Charges: S$1K
Full Review
FWD Home Insurance
  • Renovation Coverage: Up to S$100K
  • Contents Coverage: Up to S$100K
  • Building Coverage: Up to S$250K-S$1m
  • Alternative Accommodation: S$15K-S$35K
  • Valuables Sub-limit: S$1,000 per item
  • Conservancy Charges: S$5K-S$10K
Full Review
AXA Home Insurance
  • Renovation Coverage: Up to S$3m
  • Contents Coverage: Up to S$500K
  • Building Coverage: Up to S$3m
  • Alternative Accommodation: Up to S$15K
  • Valuables Sub-limit: 1/3 of contents
  • Conservancy Charges: S$1K
Full Review

Income offers the best home insurance for the average homeowner. On average, consumers will find Income to cost 22% cheaper than the industry average, while providing above average value in most cases. It also offers coverage for brand new renovations which, in combination with its low prices, can make it very valuable for brand new homeowners. Furthermore, owners of landed properties will have an easy time getting the right coverage as Income automatically calculates the amount of building coverage you'll need based on your house type and size. Combined with an easy application and claims process, Income's home insurance plans are a great choice for the cost-conscious or first-time homebuyer.

FWD is another great insurer for home insurance. Its plans cost around 60% below average for the average HDB or condo homeowners and renters. However, despite the low cost, FWD doesn't skimp on coverage. You can get up to S$1,000,000 of building coverage and S$100,000 of renovation and contents coverage each, along with peace of mind benefits like emergency home assistance, alternative accommodation, conservancy and professional fee benefits. It also offers a few benefits for landlords like loss of income for 3 months (to protect against tenants who default on rent) and a S$3,000 benefit to solve legal disputes with your tenant. Lastly, FWD also lets you submit claims online, helping you get your payout faster.

Lastly, most consumers will relish AXA's competitively priced home insurance and generous benefit limits. Whether you are a landlord, a new HDB homeowner or need to insure a landed property, AXA's SmartHome insurance will provide comprehensive coverage for premiums that average 12% below its competitors. Its building, renovation and contents limits are quite high so most people will have enough coverage. Due to its generous coverage, AXA provides outstanding value for your money. It typically offers between S$2,300 and S$3,800 of coverage per dollar of premium. In contrast, the industry average is between S$1,300 and S$1,425 worth of coverage per dollar of premium.

More Information: Best Cheap Home Insurance in Singapore

Best Foreign Domestic Worker Insurers: Etiqa, FWD

Etiqa and FWD are the best insurance companies to go with if you are looking for foreign domestic worker coverage. Their plans are fairly priced and provide coverage that goes above and beyond the Ministry of Manpower's minimum insurance requirements.

Our Picks:
26-Month Premium
from S$238.29
from S$182.67
Personal Accident:S$60KS$60K-S$70K
Repatriation:S$10KS$10K
Hospitalisation & Surgery:S$15-S$25KS$15K
Alternative Maid Services:S$20/dayS$10-S$20/day
Termination/Rehiring:S$300-S$500S$250-S$350
FDW's Liability:S$1KS$5K-S$10K
Learn MoreFull ReviewFull Review

Promotion

  • FWD:
  • Etiqa:
{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate maid_insurance_companies: FWD Maid Insurance Essential - Image\" data-eventlabel=\"FWD Maid Insurance Essential\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD Maid Insurance Essential\" href=\"\/redirect\/maid_insurance_companies\/5?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.policypal.com%252Fmaid-insurance\"\u003E\u003Cimg alt=\"FWD Maid Insurance Essential\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/fwd-4\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate maid_insurance_companies: FWD Maid Insurance Essential - Button\" data-eventlabel=\"FWD Maid Insurance Essential\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD Maid Insurance Essential\" href=\"\/redirect\/maid_insurance_companies\/5?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.policypal.com%252Fmaid-insurance\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate maid_insurance_companies: FWD Maid Insurance Essential - Image\" data-eventlabel=\"FWD Maid Insurance Essential\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD Maid Insurance Essential\" href=\"\/redirect\/maid_insurance_companies\/5?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.policypal.com%252Fmaid-insurance\"\u003E\u003Cimg alt=\"FWD Maid Insurance Essential\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/fwd-4\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate maid_insurance_companies: FWD Maid Insurance Essential - Button\" data-eventlabel=\"FWD Maid Insurance Essential\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD Maid Insurance Essential\" href=\"\/redirect\/maid_insurance_companies\/5?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.policypal.com%252Fmaid-insurance\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate maid_insurance_companies: Etiqa eProtect maid Plan B - Image\" data-eventlabel=\"Etiqa eProtect maid Plan B\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Etiqa eProtect maid Plan B\" href=\"\/redirect\/maid_insurance_companies\/12?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fetiqa.com.sg%252Fonline%252Faffiliate%252FeProtect-Maid%253Freferral%253DValueChampion%2526utm_source%253Dvaluechampion%2526utm_medium%253Daffiliate%2526utm_campaign%253Dvaluechampion%252B2020%252Bmaid\"\u003E\u003Cimg alt=\"Etiqa eProtect maid Plan B\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/tiq-etiqa-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/tiq-etiqa-1\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/tiq-etiqa-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/tiq-etiqa-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate maid_insurance_companies: Etiqa eProtect maid Plan B - Button\" data-eventlabel=\"Etiqa eProtect maid Plan B\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Etiqa eProtect maid Plan B\" href=\"\/redirect\/maid_insurance_companies\/12?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fetiqa.com.sg%252Fonline%252Faffiliate%252FeProtect-Maid%253Freferral%253DValueChampion%2526utm_source%253Dvaluechampion%2526utm_medium%253Daffiliate%2526utm_campaign%253Dvaluechampion%252B2020%252Bmaid\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate maid_insurance_companies: Etiqa eProtect maid Plan B - Image\" data-eventlabel=\"Etiqa eProtect maid Plan B\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Etiqa eProtect maid Plan B\" href=\"\/redirect\/maid_insurance_companies\/12?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fetiqa.com.sg%252Fonline%252Faffiliate%252FeProtect-Maid%253Freferral%253DValueChampion%2526utm_source%253Dvaluechampion%2526utm_medium%253Daffiliate%2526utm_campaign%253Dvaluechampion%252B2020%252Bmaid\"\u003E\u003Cimg alt=\"Etiqa eProtect maid Plan B\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/tiq-etiqa-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/tiq-etiqa-1\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/tiq-etiqa-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/tiq-etiqa-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate maid_insurance_companies: Etiqa eProtect maid Plan B - Button\" data-eventlabel=\"Etiqa eProtect maid Plan B\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Etiqa eProtect maid Plan B\" href=\"\/redirect\/maid_insurance_companies\/12?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fetiqa.com.sg%252Fonline%252Faffiliate%252FeProtect-Maid%253Freferral%253DValueChampion%2526utm_source%253Dvaluechampion%2526utm_medium%253Daffiliate%2526utm_campaign%253Dvaluechampion%252B2020%252Bmaid\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
  • FWD:
  • Etiqa:
Insurer26-Month Premium
FWD Maid Insurance
  • Personal Accident: S$60,000-S$70,000
  • Repatriation: S$10,000
  • Hospitalisation: S$15,000
  • Alternative Maid Services: S$10-S$20/day
  • Termination/Rehiring: S$300-S$500
  • FDW's Liability: S$1,000
Full Review
from S$238.29
Etiqa Maid Insurance
  • Personal Accident: S$60,000
  • Repatriation: S$10,000
  • Hospitalisation: S$15,000-S$25,000
  • Alternative Maid Services: S$20/day
  • Termination/Rehiring: S$250-S$350
  • FDW's Liability: S$5,000-S$10,000
Full Review
from S$182.67

FWD's maid insurance plans offer great value for your money. Not only do plans cost 14% below average, but they provide more benefits per dollar than any other domestic worker plan on the market. They'll also appeal to a wide array of foreign domestic worker employers. For instance, employers on a budget will find the Essential plan a suitable choice, as its premiums are 20% below average. On the other hand, the Exclusive plan offers above average coverage for a wide variety of benefits, including ambulance expenses, recuperation benefits and temporary replacement. Furthermore, FWD offers plenty of optional add-ons, so you can easily tailor your plan to your needs.

Etiqa's maid insurance plans cost 28% less than average while providing fairly comprehensive benefits, making it a great choice for employers who are looking to save without skimping on benefits. Etiqa's maid insurance offers a wide array of benefits that will give you maximum peace of mind including hospitalisation, termination/re-hiring and alternative maid services expense coverage. Furthermore, you can claim if your domestic worker abused your child or elderly relative. Etiqa's eProtect Maid also provides optional coverage that can entice even the more scrupulous employer. You can top up your hospitalisation and surgical expenses, add a critical illness cover and claim for damages done by your FDW to your home.

More Information: Best Cheap Maid Insurance in Singapore

Best Health & Life Insurers in Singapore

Singapore has a few insurers that stand out with their health and life insurance offerings. For health, we found that Great Eastern, Prudential and FWD provide affordable premiums and comprehensive coverage that will be sufficient for most consumers.

Best Health Insurers: Great Eastern, Prudential & FWD

Great Eastern and Prudential are our top insurance companies for Integrated Shield plans and FWD is our top choice for international health insurance coverage. The plans from these insurance companies provide excellent coverage for affordable prices.

Our Picks:
Great EasternSupremeHealth Standard Plan
Great EasternSupremeHealth Standard Plan
Annual Limit:Up to S$1.5MUp to S$1.2MUp to S$3M
Pre-Hospitalisation Benefits:120 Days180 Days90 Days
Post-Hospitalisation Benefits:180/365 Days365 Days90 Days
Chemotherapy:As ChargedAs ChargedAs Charged
Pregnancy Complications:As ChargedAs ChargedAs Charged
Psychiatric Benefit:Up to S$25KUp to S$4Kup to S$30K
Learn MoreFull ReviewFull ReviewFull Review

Promotions

  • FWD:
  • Great Eastern:
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Image\" data-eventlabel=\"PrudentialPruShield A Plus Public\" rel=\"nofollow noopener\" target=\"_blank\" title=\"PrudentialPruShield A Plus Public\" href=\"\/redirect\/health_insurance_companies\/22?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.prudential.com.sg%252Fothers%252FPRUshield-valuechampion%252F%253Futm_source%253DValueChampion%2526utm_medium%253DWebsite%2526utm_campaign%253DPRUShield%2526utm_content%253DPRUShield-VC-healthinsurance\"\u003E\u003Cimg alt=\"PrudentialPruShield A Plus Public\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/prudential-2\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/prudential-2\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/prudential-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/prudential-2 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate health_insurance_companies: PrudentialPruShield A Plus Public - Button\" data-eventlabel=\"PrudentialPruShield A Plus Public\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"PrudentialPruShield A Plus Public\" href=\"\/redirect\/health_insurance_companies\/22?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.prudential.com.sg%252Fothers%252FPRUshield-valuechampion%252F%253Futm_source%253DValueChampion%2526utm_medium%253DWebsite%2526utm_campaign%253DPRUShield%2526utm_content%253DPRUShield-VC-healthinsurance\"\u003EGet in Touch \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate health_insurance_companies: PrudentialPruShield A Plus Public - Image\" data-eventlabel=\"PrudentialPruShield A Plus Public\" rel=\"nofollow noopener\" target=\"_blank\" title=\"PrudentialPruShield A Plus Public\" href=\"\/redirect\/health_insurance_companies\/22?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.prudential.com.sg%252Fothers%252FPRUshield-valuechampion%252F%253Futm_source%253DValueChampion%2526utm_medium%253DWebsite%2526utm_campaign%253DPRUShield%2526utm_content%253DPRUShield-VC-healthinsurance\"\u003E\u003Cimg alt=\"PrudentialPruShield A Plus Public\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/prudential-2\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/prudential-2\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/prudential-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/prudential-2 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate health_insurance_companies: PrudentialPruShield A Plus Public - 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Button\" data-eventlabel=\"FWDInternational Health Insurance Expat\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWDInternational Health Insurance Expat\" href=\"\/redirect\/international_health_insurance_companies\/30?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Finternational-health-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DNonAPI%2526utm_campaign%253DPolicyPal\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate international_health_insurance_companies: FWDInternational Health Insurance Expat - 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Button\" data-eventlabel=\"FWDInternational Health Insurance Expat\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWDInternational Health Insurance Expat\" href=\"\/redirect\/international_health_insurance_companies\/30?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Finternational-health-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DNonAPI%2526utm_campaign%253DPolicyPal\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
  • FWD:
  • Great Eastern:
Benefit Limits
Great Eastern GREAT SupremeHealth
  • Annual Limit: Up to S$1.5M
  • Pre-Hospitalisation Benefits: 120 Days
  • Post-Hospitalisation Benefits: 180/365 Days
  • Chemotherapy: As Charged
  • Pregnancy Complications: As Charged
  • Psychiatric Benefit: Up to S$25K
Full Review
Prudential PruShield
  • Annual Limit: Up to S$1.2M
  • Pre-Hospitalisation Benefits: 180 Days
  • Post-Hospitalisation Benefits: 365 Days
  • Chemotherapy: As Charged
  • Pregnancy Complications: As Charged
  • Psychiatric Benefit: Up to S$4K
Full Review
FWD International Insurance
  • Annual Limit: Up to S$3M
  • Pre-Hospitalisation Benefits: 90 Days
  • Post-Hospitalisation Benefits: 90 Days
  • Chemotherapy: As Charged
  • Pregnancy Complications: As Charged
  • Psychiatric Benefit: Up to S$30K
Full Review

Great Eastern's GREAT SupremeHealth plans will benefit everyone from consumers looking for cheap standard plans to consumers looking for the most comprehensive private care coverage. It offers the cheapest Standard IP on the market, with premiums averaging 20-30% below average. Its private hospital coverage is a great value buy as well as premiums for its P Plus plan are 20-40% cheaper than the industry average for private hospital plans. Great Eastern's benefits for psychiatric care, speech and occupational therapy benefits are also the highest in the market. Overall, when it comes to getting the best coverage while saving money, Great Eastern's SupremeHealth plans are some of our top choices for consumers looking for Integrated Shield Plans.

Prudential's PruShield plans offer great value for the average Singaporean. It combines competitive premiums (15-30% below average for the base plan and the riders) with above average coverage limits. For instance, its PruShield Plus plan has an annual limit of S$600,000—S$100,000 greater than the average for A Ward coverage plans. Even its Premier plan boasts an above average annual limit of S$1.2 million while charging below the market average for private hospitalisation coverage. Additionally, there is full hospitalisation, cancer, surgery and pregnancy complications coverage and you'll be covered for planned overseas treatment in Malaysia.

FWD is our pick for the best international health insurance insurer. It combines affordability with high coverage, so you're sure to get your money's worth. It offers plans for expats, Singaporeans who need international health coverage and students. It offers basic coverage of up to S$100,000 per year or comprehensive coverage of S$3 million per year. Its S$1 million to S$3 million plans provide full coverage for cancer, organ transplants and pregnancy complications for around 40% less than other international health insurance plans. FWD will also reward you if you are healthy by doubling your annual limit if you don't make hospitalisation claims for 2 years. However, FWD won't leave you in the cold if you exhaust your annual limit as it offers additional coverage for accidental hospitalisation.

More Information: Best Health Insurance Companies in Singapore

Best Direct Purchase Life Insurers

Etiqa, FWD & SingLife are the best insurers to go with if you are looking for affordable direct purchase insurance (DPI) policy. They provide at least one type of DPI option and also offer alternative life insurance plans you can easily purchase online for an affordable price.

Our Picks:
Plans OfferedDirect-Term Life, Term Life, Direct-Whole LifeDirect-Term, Term LifeDirect-Term, Term Life
Learn MoreFull ReviewFull ReviewFull Review

Promotions

  • FWD:
  • SingLife: 15% off for a limited time
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Image\" data-eventlabel=\"FWD DIRECT-term Life\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD DIRECT-term Life\" href=\"\/redirect\/life_insurance_companies\/10?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Flife-insurance%252Fterm-life-plus%252F%253Futm_source%253DAffiliate%2526utm_medium%253DNonAPI%2526utm_campaign%253DPolicyPal\"\u003E\u003Cimg alt=\"FWD DIRECT-term Life\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/fwd-4\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate life_insurance_companies: FWD DIRECT-term Life - 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  • FWD:
  • SingLife: 15% off for a limited time
Benefit Limits
Etiqa
  • Plans Offered: DIRECT-Term Life, Term Life, DIRECT-Whole Life
Full Review
FWD
  • Plans Offered: DIRECT-Term Life, Term Life
Full Review
SingLife
  • Plans Offered: DIRECT-Term Life, Term Life
Full Review

If you are looking for a simple and affordable life insurance plan that you can purchase online, Etiqa will give you a variety to choose from. Its term life DPI plan costs 20-40% below average for non-smoking millennials. It is also the cheapest option for females, as Etiqa's S$50,000 5-year plans cost less than S$1.50 per month. It provides 5-year, 20-year and until age 65 plans with death and total & permanent disability (TPD) coverage between S$50,000 and S$400,000. Etiqa also offers a competitively priced whole life DPI product that costs slightly below average and provides up to S$200,000 of coverage. It comes with a cash value and a reversionary bonus accumulation, with the potential to add a critical illness rider as well. Lastly, Etiqa offers a non-DPI term life plan that you can purchase online. Its eProtect term life plan offers up to S$2,000,000 of coverage and its premiums are competitive for a majority of consumers. Etiqa's healthy credit rating of A- (according to Fitch) will also put consumers at ease.

FWD offers two term life insurance policies that you can buy online. Its DPI term life plan costs 10-25% less 5 and 20-year plans that offer S$300-400,000 of coverage. It also offers a S$5,000 funeral expense benefit that will be paid on the next day after they receive the death certificate. FWD's traditional term life plan lets you purchase S$3,000,000 worth of death and terminal illness coverage online, and is a good option for consumers who want to buy a simple term plan and avoid going through the traditional life insurance channels. FWD also lets you add on a critical illness and permanent disability coverage if you want a more comprehensive plan.

Like FWD, SingLife offers two types of term life plans, DPI and a simple term life coverage plan you can buy online. Its Direct-Term life insurance plan is competitively priced for older consumers looking for small amounts of coverage (less than S$200,000). Its term life plan offers exceptionally high coverage of up to S$10,000,000 of death and terminal illness coverage, so despite its slightly higher price, it may be worth the cost. Both plans let you purchase additional critical illness and permanent disability coverage.

More Information: Best Life Insurance Companies in Singapore

Traditional Life Insurance in Singapore

Besides DPI and some term life plans, life insurance plans can only be purchased from a life insurance agent. These products cover Due to the complex nature of the products, it can be difficult to objectively define the "best" life insurance products.

Nonetheless, there are still certain things you can look for to narrow down the plans that may work best for you. First, you should know what kind of life insurance product you are looking for. If you are looking for a cheap way to protect yourself for a certain number of years (for instance, the duration of your working years), then term life insurance can be worth looking into. On the other hand, if you want a life insurance policy that provides life-long coverage and can also accumulate cash value, then a whole life policy may be the better choice. There are also Investment-linked policies (ILPs), which combine both life insurance coverage and investment opportunities. However, because the return on investment is not guaranteed, these plans remain a little controversial and are best discussed with a financial advisor.

Term Life PolicyCovered UntilCoverage
Income itermAge 84Death, TPD, Terminal Illness
Features: Guaranteed renewal
Income TermLife SolitaireAge 100Death, Terminal Illness
Features: Min. S$1 million coverage, 1-time Medical concierge
Raffles Preferred Life ProtectorN/ADeath, TPD
Features: Daily Hospital Income (some plans), Available for kids
AIA Platinum TermAge 75 or 100Death, Terminal Illness
Features: Preferred currency, min. coverage S$1 million
AXA Term Protector PrimeAge 99Death, Terminal Illness
Features: Preferred currency, convertibility to whole life, automatic renewability, business protection cash benefit rider
Term Life PolicyCovered UntilCoverage
Income itermAge 84Death, TPD, Terminal Illness
Features: Guaranteed renewal
Income TermLife SolitaireAge 100Death, Terminal Illness
Features: Min. S$1 million coverage, 1-time Medical concierge
Raffles Preferred Life ProtectorN/ADeath, TPD
Features: Daily Hospital Income (some plans), Available for kids
AIA Platinum TermAge 75 or 100Death, Terminal Illness
Features: Preferred currency, min. coverage S$1 million
AXA Term Protector PrimeAge 99Death, Terminal Illness
Features: Preferred currency, convertibility to whole life, automatic renewability, business protection cash benefit rider

Life insurance policies also offer other features that can help find the best one for your needs. For instance, some insurers add multipliers to their whole life plans. Multipliers will increase your sum assured and are useful if you want to increase your payout. Alternatively, some term life plans let you convert to a whole life policy, which can be useful if you predict your circumstances will change and you decide you need longer or higher levels of coverage. Lastly, you should also look at the payment frequency. Some plans will make you pay a recurring premium, while other plans (certain types of ILPs, for instance) will require a lump sum payment at the inception of your policy.

Whole Life PolicyCoverageFeatures
Aviva MyLifeChoiceDeath, total and permanent disability, terminal illnessUp to 275% coverage, potential bonus payouts, retirement fund contribution, unemployment premium waiver
Income VivoWealthDeath, total and permanent disability, terminal illnessCentennial Maturity Benefit, lifetime monthly cash payouts, special cash benefit
Income VivoLifeDeath, dread disease, total and permanent disability, accidental death3 levels of protection, potential bonuses
ManuLife LifeReady PlusDeath, total and permanent disability, terminal illnessCash value, protection multiplier of 5x, upgrade coverage during milestones
AIA ProLifetime ProtectorDeath, total and permanent disability, critical illnessCash withdrawal, offers 3 model portfolios, ability to choose funds, can buy for child
Whole Life PolicyCoverage
Aviva MyLifeChoice
  • Death
  • Total and permanent disability
  • Terminal illness
Features: Up to 275% coverage, potential bonus payouts, retirement fund contribution, unemployment premium waiver
Income VivoWealth
  • Death
  • Total and permanent disability
  • Terminal illness
Features: Centennial Maturity Benefit, lifetime monthly payouts, special cash benefit
Income VivoLife
  • Death
  • Dread disease
  • Total and permanent disability
  • Accidental death
Features: Potential bonuses
ManuLife LifeReady Plus
  • Death
  • Total and permanent disability
  • Terminal illness
Features: Cash value, 5x protection multiplier, milestone coverage upgrades
AIA ProLifetime Protector
  • Death
  • Total and permanent disability
  • Critical illness
Features: Cash withdrawal, 3 model portfolios, ability to choose funds

What Qualities Make for a Great Insurer?

As a company that's dedicated to giving consumers unbiased and carefully reviewed financial product recommendations, it is vital for us to understand each insurance company and their products inside and out. Through our research, we found ways to compare each insurer fairly and see which companies stand out from the competition. A great insurance company is one that not only offers fair pricing to its consumers, but also one that doesn't cheat policyholders out of coverage. They are quick to address consumer needs, be it a new benefit (for instance, terrorism or hijacking coverage for travel insurance) or faster and easier claim submissions.

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Anastassia Evlanova

Anastassia is a Senior Research Analyst at ValueChampion Singapore, evaluating insurance products for consumers based on quantitative and qualitative financial analysis. She holds degrees in Economics and International Business Management and her prior working experience includes work in the capital markets sector. Her analyses surrounding insurance, healthcare, international affairs and personal finance has been featured on AsiaOne, Business Insider, DW, Vice, Her World, Asia Insurance Review, the Australian Institute of International Affairs and more.