Personal accident insurance
What is the cheapest personal accident insurance in Singapore?
Each insurer's cheapest plan today, cheapest first, with the cover it gives. Your job can change who is cheapest.
Compare every insurer we price for an office worker on one page: https://shentonbrokers.com/prices/pa/office-worker-200k
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/cheapest-personal-accident-insurance
Personal accident insurance promotions today: Etiqa, 30% off; MSIG, 20% off; HL Assurance, 10% off. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
On 12 Nov 2026, the cheapest personal accident insurance for an accountant with S$50,000 cover is S$83.97 a year (GST included) at HL Assurance, Family Protect360 Bronze (S$50,000 an adult); 22 insurers price it.
Accountant, S$50,000 cover
| Insurer | Price | Medical expenses | Hospital cash a day |
|---|---|---|---|
| 1. HL AssuranceFamily Protect360 Bronze (S$50,000 an adult)Buy Now | S$83.97 | S$500 | Not included |
| 2. India Internationali-Aid Basic (S$50,000)Buy Now | S$87.20 | S$3,000 | Not included |
| 3. Tokio MarineTM 365 Personal Accident Plan A (S$50,000)Buy Now | S$92.65 | S$2,000 | S$50 |
| 4. SompoPA Ease Plan 1 (S$50,000)Buy Now | S$95.92 | S$1,000 | Not included |
| 5. HSBC LifeHSBC Life Band Aid Package 1 (S$100,000), basic planBuy Now | S$102.46 | Not included | Not included |
| 6. EQ InsuranceEQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000)Buy Now | S$109.00 | Not included | Not included |
| 7. Great AmericanGreat Personal Accident Insurance Classic (S$100,000) BasicBuy Now | S$124.28 | S$4,000 | Not included |
| 8. MSIGProtectionPlus Silver (S$100,000)Buy Now | S$125.35 | S$1,000 | S$50 |
| 9. UOIUniPA Value (S$100,000)Buy Now | S$133.42 | S$2,000 | Not included |
| 10. ERGOERGO AccidentProtect Basic (S$100,000), Core CoverBuy Now | S$135.00 | S$3,000 | Not included |
| 11. LibertyPACare Plus Enhanced Essential (S$50,000)Buy Now | S$146.06 | S$1,000 | S$50 |
| 12. Great EasternPA Supreme Plan A (S$100,000)Buy Now | S$161.32 | S$2,000 | S$100 |
| 13. FWDFWD Life PA S$100,000 (Plan A)Buy Now | S$168.95 | S$2,000 | Not included |
| 14. AllianzAccident Protect Plus Silver (S$100,000)Buy Now | S$171.14 | S$3,000 | S$50 |
| 15. LonpacPersonal CarePlus Basic (S$100,000)Buy Now | S$171.20 | S$5,000 | S$75 |
| 16. AIGSapphire Enhanced Choices Standard, Basic package (S$100,000)Buy Now | S$173.31 | S$2,000 | S$50 |
| 17. EtiqaTiq Personal Accident Enhanced Silver (S$125,000)Buy Now | S$175.27 | S$500 | S$50 |
| 18. China TaipingEconomy (S$100,000)Buy Now | S$188.57 | S$1,000 | S$100 |
| 19. QBEPA Prestige Plan A (S$100,000)Buy Now | S$223.45 | S$3,000 | S$100 |
| 20. IncomePA Assurance Basic (S$100,000)Buy Now | S$233.26 | S$3,000 | S$100 |
| 21. ChubbDBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)Buy Now | S$251.94 | S$2,000 | Not included |
| 22. SinglifePersonal Accident Lite (S$100,000)Buy Now | S$285.23 | S$3,000 | S$50 |
Cheapest with at least S$5,000 of medical expenses: India International, i-Aid Standard (S$100,000), S$158.05. Every plan for this example.
Accountant, S$200,000 cover
| Insurer | Price | Medical expenses | Hospital cash a day |
|---|---|---|---|
| 1. Great AmericanGreat Personal Accident Insurance Elite (S$200,000) BasicBuy Now | S$222.08 | S$6,000 | Not included |
| 2. ERGOERGO AccidentProtect Essential (S$200,000), Core CoverBuy Now | S$223.00 | S$6,000 | Not included |
| 3. India Internationali-Aid Enhanced (S$200,000)Buy Now | S$239.80 | S$6,000 | Not included |
| 4. Tokio MarineTM 365 Personal Accident Plan C (S$200,000)Buy Now | S$250.70 | S$6,000 | S$150 |
| 5. EQ InsuranceEQ Personal Accident with medical expenses (the sum you choose, S$200,000 or S$500,000)Buy Now | S$253.32 | S$10,000 | Not included |
| 6. Great EasternPA Supreme Plan B (S$200,000)Buy Now | S$283.40 | S$4,000 | S$200 |
| 7. FWDFWD Life PA S$200,000 (Plan B)Buy Now | S$283.84 | S$3,000 | Not included |
| 8. EtiqaTiq Personal Accident Enhanced Gold (S$300,000)Buy Now | S$284.84 | S$1,500 | S$100 |
| 9. LonpacPersonal CarePlus Standard (S$200,000)Buy Now | S$303.60 | S$6,000 | S$100 |
| 10. AIGSapphire Enhanced Choices Preferred, Basic package (S$200,000)Buy Now | S$305.20 | S$6,000 | S$100 |
| 11. China TaipingExecutive (S$200,000)Buy Now | S$308.47 | S$2,000 | S$150 |
| 12. SompoPAStar Elite (S$200,000)Buy Now | S$316.10 | S$4,000 | S$150 |
| 13. MSIGPA RecoveryPlus Gold (S$200,000)Buy Now | S$322.73 | S$2,000 | S$100 |
| 14. QBEPA Prestige Plan B (S$200,000)Buy Now | S$337.90 | S$5,000 | S$100 |
| 15. HSBC LifeHSBC Life Band Aid Package 2 (S$200,000) with all 6 optional benefitsBuy Now | S$357.36 | S$3,000 | S$100 |
| 16. IncomePA Assurance Classic (S$200,000)Buy Now | S$361.88 | S$6,000 | S$150 |
| 17. AllianzAccident Protect Plus Gold (S$250,000)Buy Now | S$378.94 | S$5,000 | S$100 |
| 18. LibertyPACare Plus Enhanced Executive (S$200,000)Buy Now | S$389.13 | S$5,000 | S$200 |
| 19. SinglifePersonal Accident Standard (S$200,000)Buy Now | S$423.57 | S$4,000 | S$100 |
| 20. UOIUniPA Pro (S$500,000)Buy Now | S$522.76 | S$5,000 | Not included |
| 21. HL AssuranceFamily Protect360 Premier (S$250,000 an adult)Buy Now | S$528.66 | S$2,500 | Not included |
Cheapest with at least S$5,000 of medical expenses: Great American, Great Personal Accident Insurance Elite (S$200,000) Basic, S$222.08. Every plan for this example.
Skilled manual job, S$50,000 cover
| Insurer | Price | Medical expenses | Hospital cash a day |
|---|---|---|---|
| 1. HL AssuranceFamily Protect360 Bronze (S$50,000 an adult)Buy Now | S$83.97 | S$500 | Not included |
| 2. EQ InsuranceEQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$200,000)Buy Now | S$109.00 | Not included | Not included |
| 3. SompoPA Ease Plan 1 (S$50,000)Buy Now | S$130.80 | S$1,000 | Not included |
| 4. India Internationali-Aid Basic (S$50,000)Buy Now | S$147.15 | S$3,000 | Not included |
| 5. AllianzAccident Protect Plus Silver (S$100,000)Buy Now | S$171.14 | S$3,000 | S$50 |
| 6. MSIGProtectionPlus Silver (S$100,000)Buy Now | S$207.10 | S$1,000 | S$50 |
| 7. LibertyPACare Plus Enhanced Essential (S$50,000)Buy Now | S$208.19 | S$1,000 | S$50 |
| 8. EtiqaTiq Personal Accident Enhanced Silver (S$125,000)Buy Now | S$209.21 | S$500 | S$50 |
| 9. Tokio MarineTM 365 Personal Accident Plan A (S$50,000)Buy Now | S$218.00 | S$2,000 | S$50 |
| 10. Great AmericanGreat Personal Accident Insurance Classic (S$100,000) BasicBuy Now | S$227.17 | S$4,000 | Not included |
| 11. IncomePA Assurance Basic (S$100,000)Buy Now | S$233.26 | S$3,000 | S$100 |
| 12. ChubbDBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)Buy Now | S$251.94 | S$2,000 | Not included |
| 13. ERGOERGO AccidentProtect Basic (S$100,000), Core CoverBuy Now | S$260.00 | S$3,000 | Not included |
| 14. QBEPA Prestige Plan A (S$100,000)Buy Now | S$288.85 | S$3,000 | S$100 |
| 15. Great EasternPA Supreme Plan A (S$100,000)Buy Now | S$289.94 | S$2,000 | S$100 |
| 16. FWDFWD Life PA S$100,000 (Plan A)Buy Now | S$301.93 | S$2,000 | Not included |
| 17. AIGSapphire Enhanced Choices Standard, Basic package (S$100,000)Buy Now | S$346.62 | S$2,000 | S$50 |
| 18. UOIUniPA Value (S$100,000)Buy Now | S$423.57 | S$2,000 | Not included |
| 19. China TaipingEconomy (S$100,000)Buy Now | S$471.97 | S$1,000 | S$100 |
| 20. SinglifePersonal Accident Lite (S$100,000)Buy Now | S$570.46 | S$3,000 | S$50 |
Cheapest with at least S$5,000 of medical expenses: India International, i-Aid Standard (S$100,000), S$272.50. Every plan for this example.
Compare personal accident insurance for your own answers.
Buy Now addresses
Each listed insurer's best-value plan for accountant, S$200,000 cover, lowest premium first.
- Great American, Great Personal Accident Insurance Elite (S$200,000) Basic: https://shentonbrokers.com/go/buy/pa/great-american/elite-basic?coverFor=myself&occupation=accountant&sumInsured=200000
- Etiqa, Tiq Personal Accident Enhanced Gold (S$300,000): https://www.tiq.com.sg/buy-online/tiq-personal-accident/quotation/?referral=A501895
- ERGO, ERGO AccidentProtect Essential (S$200,000), Core Cover + Add-on Cover 1: https://shentonbrokers.com/go/buy/pa/ergo/essential-addon1?coverFor=myself&occupation=accountant&sumInsured=200000
- AIG, Sapphire Enhanced Choices Preferred, Basic package (S$200,000): https://www.aig.sg/home/solutions/personal/accident-and-health/sapphire-enhanced?pc=030303
- Sompo, PAStar Elite (S$200,000): https://www.sompo.com.sg/products/pa-star/quotation/GetQuote?p=STI33804
- QBE, PA Prestige Plan B (S$200,000): https://sg-customer.qbe.com/pa/partner/01001305
- MSIG, ProtectionPlus Platinum (S$250,000): https://shentonbrokers.com/go/msig/pa-protectionplus
- Liberty, PACare Plus Enhanced Executive (S$200,000): https://shentonbrokers.com/go/buy/pa/liberty/pacare-executive?coverFor=myself&occupation=accountant&sumInsured=200000
- Income, PA Assurance Classic with infectious disease cover (S$200,000): https://shentonbrokers.com/go/buy/pa/income/classic-infectious?coverFor=myself&occupation=accountant&sumInsured=200000
- HL Assurance, Family Protect360 Premier (S$250,000 an adult): https://app.hlas.com.sg/redirect?source=agent&sac=SI000001&mwc=SIB&referrer=a/a/vivien
Questions people ask
Which insurer is cheapest for an accountant with S$50,000 cover?
Today, the cheapest personal accident insurance for an accountant with S$50,000 cover is S$83.97 a year (GST included) at HL Assurance, Family Protect360 Bronze (S$50,000 an adult); 22 insurers price it.
What is the cheapest plan with at least S$5,000 of medical expenses, for an accountant with S$50,000 cover?
India International, i-Aid Standard (S$100,000), at S$158.05 a year on today's prices, GST included.
Which insurer is cheapest for an accountant with S$200,000 cover?
Today, the cheapest personal accident insurance for an accountant with S$200,000 cover is S$222.08 a year (GST included) at Great American, Great Personal Accident Insurance Elite (S$200,000) Basic; 21 insurers price it.
What is the cheapest plan with at least S$5,000 of medical expenses, for an accountant with S$200,000 cover?
Great American, Great Personal Accident Insurance Elite (S$200,000) Basic, at S$222.08 a year on today's prices, GST included.
Which insurer is cheapest for a skilled manual job with S$50,000 cover?
Today, the cheapest personal accident insurance for a skilled manual job with S$50,000 cover is S$83.97 a year (GST included) at HL Assurance, Family Protect360 Bronze (S$50,000 an adult); 20 insurers price it.
What is the cheapest plan with at least S$5,000 of medical expenses, for a skilled manual job with S$50,000 cover?
India International, i-Aid Standard (S$100,000), at S$272.50 a year on today's prices, GST included.
Does my job change which plan is cheapest?
Yes. Insurers group jobs by accident risk, so compare the tables for an office job and a manual job, then get a price for your own job.