Personal accident insurance
Best personal accident insurance in Singapore (October 2026)
As of 28 Oct 2026 (Singapore time)
We priced every plan from 22 insurers on 3 common examples and scored each one on price, cover and excess. Commission never affects the order.
Top picks this month
| Insurer | Plan | Value score | From |
|---|---|---|---|
| 1. IncomePA Assurance Basic with infectious disease cover (S$100,000) | PA Assurance Basic with infectious disease cover (S$100,000) | 73 | S$255.06 (as at 16 Oct 2026) |
| 2. Tokio MarineTM 365 Personal Accident Plan B (S$100,000) | TM 365 Personal Accident Plan B (S$100,000) | 68 | S$196.20 (as at 19 Oct 2026) |
| 3. EtiqaTiq Personal Accident Enhanced Gold (S$300,000) | Tiq Personal Accident Enhanced Gold (S$300,000) | 67 | S$194.27 (as at 15 Oct 2026) |
| 4. EQ InsuranceEQ Personal Accident with medical expenses and income (S$100,000) | EQ Personal Accident with medical expenses and income (S$100,000) | 67 | S$210.15 (as at 5 Oct 2026) |
| 5. ERGOERGO AccidentProtect Basic (S$100,000), Core Cover + Add-on Cover 1 | ERGO AccidentProtect Basic (S$100,000), Core Cover + Add-on Cover 1 | 67 | S$197.00 (as at 19 Oct 2026) |
The value score (0 to 100) weighs each plan against the others priced for the same example: price counts for 50%, the main cover for 35% and the excess for 15%. Commission never affects it.
Accountant, S$200,000 cover
21 insurers price this. The cheapest plan is EQ Insurance EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000) at S$174.40 (as at 5 Oct 2026).
| Insurer | Plan | Score | Premium | Excess |
|---|---|---|---|---|
| Tokio MarineTM 365 Personal Accident Plan C (S$200,000) | TM 365 Personal Accident Plan C (S$200,000) | 68 | S$250.70as at 19 Oct 2026 | S$0.00 |
| ERGOERGO AccidentProtect Essential (S$200,000), Core Cover + Add-on Cover 1 | ERGO AccidentProtect Essential (S$200,000), Core Cover + Add-on Cover 1 | 68 | S$295.00as at 19 Oct 2026 | S$0.00 |
| Great EasternPA Supreme Plan B (S$200,000) | PA Supreme Plan B (S$200,000) | 67 | S$283.40as at 17 Oct 2026 | S$0.00 |
| EQ InsuranceEQ Personal Accident with medical expenses and income (the sum you choose, S$200,000 or S$500,000) | EQ Personal Accident with medical expenses and income (the sum you choose, S$200,000 or S$500,000) | 67 | S$295.83as at 5 Oct 2026 | S$0.00 |
| Great AmericanGreat Personal Accident Insurance Elite (S$200,000) Basic | Great Personal Accident Insurance Elite (S$200,000) Basic | 65 | S$224.14as at 17 Oct 2026 | S$0.00 |
Sales executive who travels for work, S$100,000 cover
22 insurers price this. The cheapest plan is EQ Insurance EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000) at S$109.00 (as at 5 Oct 2026).
| Insurer | Plan | Score | Premium | Excess |
|---|---|---|---|---|
| LonpacPersonal CarePlus Basic (S$100,000) | Personal CarePlus Basic (S$100,000) | 68 | S$171.20as at 11 Oct 2026 | S$0.00 |
| Great AmericanGreat Personal Accident Insurance Classic (S$100,000) Basic | Great Personal Accident Insurance Classic (S$100,000) Basic | 67 | S$125.43as at 17 Oct 2026 | S$0.00 |
| Tokio MarineTM 365 Personal Accident Plan B (S$100,000) | TM 365 Personal Accident Plan B (S$100,000) | 67 | S$196.20as at 19 Oct 2026 | S$0.00 |
| EQ InsuranceEQ Personal Accident with medical expenses and income (S$100,000) | EQ Personal Accident with medical expenses and income (S$100,000) | 67 | S$210.15as at 5 Oct 2026 | S$0.00 |
| IncomePA Assurance Basic with infectious disease cover (S$100,000) | PA Assurance Basic with infectious disease cover (S$100,000) | 67 | S$255.06as at 16 Oct 2026 | S$0.00 |
Technician, S$500,000 cover
6 insurers price this. The cheapest plan is Etiqa Tiq Personal Accident Enhanced Platinum (S$500,000) at S$566.73 (as at 15 Oct 2026).
| Insurer | Plan | Score | Premium | Excess |
|---|---|---|---|---|
| IncomePA Assurance Premium with infectious disease cover (S$500,000) | PA Assurance Premium with infectious disease cover (S$500,000) | 86 | S$941.76as at 16 Oct 2026 | S$0.00 |
| EtiqaTiq Personal Accident Enhanced Platinum (S$500,000) | Tiq Personal Accident Enhanced Platinum (S$500,000) | 73 | S$566.73as at 15 Oct 2026code PA35 | S$0.00 |
| AllianzAccident Protect Plus Platinum (S$500,000) | Accident Protect Plus Platinum (S$500,000) | 72 | S$709.02as at 19 Oct 2026 | S$0.00 |
| QBEPA Prestige Plan C (S$500,000) | PA Prestige Plan C (S$500,000) | 65 | S$850.20as at 11 Oct 2026 | S$0.00 |
| Great EasternPA Supreme Plan D (S$500,000) | PA Supreme Plan D (S$500,000) | 61 | S$1,086.73as at 17 Oct 2026 | S$0.00 |
All prices include 9% GST.
These are example prices for the details above. Your own price depends on your answers.
See every insurer's price for your own answers, with the value score on each plan.
Get your own quoteQuestions people ask
What is the best personal accident insurance in Singapore in October 2026?
On our value score, Income (PA Assurance Basic with infectious disease cover (S$100,000)) ranks first this month, then Tokio Marine and Etiqa. The ranking covers 3 common examples, worked out from each insurer's current rates. The best plan for you depends on your own answers and the cover you need.
What is the cheapest personal accident insurance?
For accountant, S$200,000 cover, the cheapest plan today is EQ Insurance EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000) at S$174.40 (as at 5 Oct 2026), GST included. The cheapest plan is not always the best value: compare its cover and excess too.
How is the value score worked out?
The value score (0 to 100) weighs each plan against the others priced for the same example: price counts for 50%, the main cover for 35% and the excess for 15%. Commission never affects it.
Do insurers pay to be ranked higher?
No. Insurers cannot pay for a place on this page. We are paid commission when you buy, but it never affects the order.
How often is this ranking updated?
The prices are worked out again from each insurer's current rates every day, and the page is retitled each month. A new rate table or discount changes the ranking at once.