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Personal accident insurance
Does personal accident insurance cover children?
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-personal-accident-insurance-cover-children
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 many plans. 21 of the 22 insurers we compare state cover for children on at least one plan; 1 does not state it in the benefits we hold. A child's benefits are often lower than an adult's, and some plans pay no death benefit for a child, so check the plan's wording.
The figures
- Insurers compared: 22, with 425 plans between them.
- Insurers with at least one plan that covers it: 21.
- Insurers whose documents do not say: 1.
- Cheapest plan that covers it, for accountant, S$200,000 cover: Great American Great Personal Accident Insurance Elite (S$200,000) Basic, S$222.08.
- Median price among the insurers that cover it, for the same example: S$322.73.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| Great AmericanYesfrom S$222.08 | 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 and a child support fund of S$10,000Children: Children covered free at 20% of all benefits when both parents are insured under the same policy from the start | S$222.08Buy Now |
| India InternationalYesfrom S$239.80 | Yes | i-Aid Enhanced (S$200,000)20 of its 20 plansWhere and when: Worldwide, 24 hours a day, including terrorism (not nuclear, chemical or biological); adults 18 to 65, children 6 months to 18 (25 if a full-time student), up to 3 on a policy; each insured person priced on their own and the policy the sum | S$239.80Buy Now |
| FWDYesfrom S$283.84 | Yes | FWD Life PA S$200,000 (Plan B)24 of its 24 plansAccidental death and permanent disability: S$200,000 accidental death; permanent disability up to 150% (S$300,000); 2x as a passenger on public transport, a passenger or driver in a private vehicle, a pedestrian, on a PMD or in a building fire (a child: at school too), 3x as a fare-paying passenger on a commercial plane or an overnight cruise; compassionate grant 10% | S$283.84Buy Now |
| EtiqaYesfrom S$284.84 | Yes | Tiq Personal Accident Enhanced Gold (S$300,000)12 of its 12 plansWhere and when: One adult, worldwide (but not on an overseas trip longer than 4 weeks); Tiq's occupation classes 1 to 3 (Tiq's own class for the job: students and architects are class 2 at Tiq, pharmacists class 1, delivery riders not covered); adults aged 17 to 70 (renewable to 75), children 1 to 17 (25 in full-time study); the sums shown are per insured adult, each child covered at 20% of the adult's plan (S$60,000 accidental death, S$300 medical); yearly policy | S$284.84Buy Now |
| LonpacYesfrom S$303.60 | Yes | Personal CarePlus Standard (S$200,000)10 of its 12 plansOther benefits: Repatriation up to S$10,000; bereavement up to S$4,000; home and mobility enhancement (mobility aids, prosthesis, ambulance, home and vehicle retrofitting) up to S$2,000; child education fund S$10,000 per child (up to 3) and parent shield S$10,000 per parent (up to 2) | S$303.60Buy Now |
| SompoYesfrom S$316.10 | Yes | PAStar Elite (S$200,000)27 of its 27 plansWhere and when: Worldwide, 24 hours a day; adults 22 to 71 (age next birthday) at entry (ages 16 to 21 can only take Deluxe), renewable to 81, living in Singapore; children from 1 month to under 21 (25 if in full-time tertiary study), unmarried and dependentOther benefits: Family allowance S$3,000 a month for 12 months on accidental death; re-employment S$2,000; personal effects S$400 a year; emergency evacuation S$50,000 (S$100,000 a family); tuition S$300 a month per child for 12 months; mobility aid S$4,000; marriage and baby bonus S$100; 60% paid for injuries that are not visible | S$316.10Buy Now |
| MSIGYesfrom S$322.73 | Yes | PA RecoveryPlus Gold (S$200,000)26 of its 30 plansWhere and when: Worldwide, 24 hours a day; one adult. Adults 18 to 65 (renewable to 75), children 1 month to 25, each insured person priced and added up; the adult rate depends on occupation Group A (professional, administrative, deskbound or light work: office, healthcare, retail, personal-care, indoor cleaning and similar jobs) or Group B (physical labour, tools, vehicles, work up to 30 feet: drivers, technicians, chefs, outdoor or kitchen cleaners, warehouse and site work); Platinum is sold to Group A only; heavy or high-risk jobs are not covered | S$322.73Buy Now |
| QBEYesfrom S$337.90 | Yes | PA Prestige Plan B (S$200,000)16 of its 16 plansWhere and when: Worldwide, 24 hours a day; adults 18 to 70 at entry, renewable to 80; occupation classes 1 to 3 (class 4, manual work with cutting machinery or hazardous conditions, is not insurable); children from 1 month to 18 (25 if full-time students) | S$337.90Buy Now |
| IncomeYesfrom S$361.88 | Yes | PA Assurance Classic (S$200,000)38 of its 45 plansWhere and when: Worldwide, 24 hours a day; trips abroad up to 180 days in a row; ages 15 days to 70 (cover may continue to 80 at a reduced sum); one price for any listed occupation, though Income caps the cover for some jobs without underwriting (S$300,000 for air crew, firefighters, construction workers, carpenters, police, military and national servicemen and armed security officers; S$100,000 for domestic helpers); up to 4 children on a policy (under 18, or under 25 if a full-time student or in national service) | S$361.88Buy Now |
| AllianzYesfrom S$378.94 | Yes | Accident Protect Plus Gold (S$250,000)12 of its 12 plansWhere and when: You must live or work in Singapore or be away no more than 180 days at a time, and only accidental death and permanent disablement are payable while you reside outside Singapore for more than 90 consecutive days; adults 18-65 at entry, renewable to age 80, children 30 days to 18 (24 if a full-time student or national serviceman); the price depends on your occupation class: non-manual (administrative, indoor or outdoor, light manual work without tools or machinery, e.g. architect, doctor, salesperson, homemaker, waiter) or manual (work with tools or machinery, at height or of a hazardous nature, e.g. baker, driver, mechanic, plumber, security guard); the jobs Allianz excludes (construction, welding, offshore, air or sea crew, scaffolding, full-time uniformed service) have no priceOptional covers (not priced in): Dependent Cover Benefits (child education fund S$50,000 per child) at S$48.90 a child a year; a spouse and up to 10 children can be added for a couple or family plan at 15% off the whole premium | S$378.94Buy Now |
| SinglifeYesfrom S$423.57 | Yes | Personal Accident Standard (S$200,000)12 of its 12 plansAccidental death and permanent disability: S$200,000 accidental death or permanent disablement within 365 days of the accident; child support fund S$10,000; loan protector S$20,000; children (15 days to 18, or to 25 as a full-time student) covered free up to 30% of the limits | S$423.57Buy Now |
| HSBC LifeYesfrom S$512.30 | Yes | HSBC Life Band Aid Package 3 (S$500,000), basic plan8 of its 16 plansAccidental death and permanent disability: S$500,000 for accidental death; permanent disablement up to S$750,000 (150%); 2x while a passenger on public transport, 3x on a commercial plane; free cover for up to 3 children at 10% of the sum assured each | S$512.30Buy Now |
| HL AssuranceYesfrom S$528.66 | Yes | Family Protect360 Premier (S$250,000 an adult)16 of its 16 plansWhere and when: Worldwide, 24 hours a day; entry age 18 to 65, renewable to 70, Singapore residents only (cover ends if away over 183 days at a time); paid on accidental death: child's education grant S$17,500, parent's support grant S$7,500, family cash relief S$2,500 an adult | S$528.66Buy Now |
| AIGYes | Yes | Sapphire Enhanced Choices Standard, Basic package, me and my children (S$100,000)16 of its 32 plansEach child: Covered at 20% of the death, disablement and medical benefits, aged 15 days to 18 (25 if a full-time tertiary student); a parent insuring alone pays 50% more than one adult | – |
| China TaipingYes | Yes | Economy, me and my spouse (Family plan: S$100,000 for you, S$50,000 spouse)12 of its 16 plansAccidental death and permanent disability: S$100,000 for you; spouse S$50,000, each child S$10,000, each parent or parent-in-law S$15,000, maid S$5,000; up to 150% of the sum for the severest disablements; doubled (S$200,000 for you, S$100,000 spouse) only if you and your spouse both die in the same public transport accident, not for terrorismAccident medical expenses: S$1,000 per accident for you; spouse S$500, each child S$100; within 18 months of the accident (TCM, acupuncture and bonesetting S$500 a year, not for fractures; insect and animal bites S$500 per occurrence; mobility aids S$2,000)Hospital cash: S$100 a day for you (spouse S$50, each child S$10), up to 365 days, if hospitalised for more than 24 hours after an accidentInfectious diseases (e.g. dengue): S$500 medical expenses per occurrence if hospitalised for dengue fever, SARS, bird flu (H5N1) or HFMD; COVID-19 hospital medical expenses up to S$500 per policy year (one incident) and a S$10,000 COVID-19 death benefit, from 14 days after the policy starts; spouse S$250 and each child S$100 per occurrenceWhere and when: Family plan: you and your spouse (aged 18 to 65 next birthday); worldwide, 24 hours a day (cover stops after 180 consecutive days outside Singapore); policyholder aged 16 to 65 next birthday, a Singaporean, PR or employment-pass holder; priced on your occupation class from the flyer's annual table (classes I to III: class I indoor and non-manual work (office, clerk, doctor, lawyer, nurse, teacher, retiree, homemaker, student), class II outdoor or supervisory work without tools or machinery (engineer, outdoor sales, surveyor, agent, unarmed security guard, gym instructor), class III manual work with tools or machinery that is not particularly hazardous (chef, driver, courier, contractor, plumber, motor repairer, hawker); the flyer's figures exclude GST; bought on myHub they are 30% off, with 9% GST added to the discounted figure); one Family premium however many children, at the higher of your class and your spouse's; emergency evacuation S$100,000, child care benefit S$150 a month for 12 months if a covered child is 12 or under, and an education fund of S$20,000 per child, if you or your spouse die; survivors keep cover free for 6 months after such a death; bereavement expenses S$2,000; repatriation of mortal remains S$5,000; 5% no-claim bonus at each renewal up to 20% | – |
| ChubbYes | Yes | DBS MultiGen Protect Classic, me and my children (S$100,000; each child S$60,000 disability; 10-20% multi-member discount)6 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; each child S$100 a day after an accidentInfectious diseases (e.g. dengue): Covered: S$100 a day (up to 60 days) in hospital for dengue fever, dengue haemorrhagic fever, food poisoning or HFMD; each child: medical expenses for chicken pox, dengue, HFMD, malaria, measles and Zika up to S$750Each child: No accidental death benefit; up to S$60,000 permanent disability (half while on full-time National Service); accident medical expenses up to S$1,500, including chicken pox, dengue, HFMD, malaria, measles and Zika (those and alternative medicine up to S$750); S$100 a day in hospital after an accident (up to 180 days; half while on full-time National Service); up to 4 children or grandchildren aged 1 month to 17, unmarried and not working | – |
| ERGOYes | Yes | ERGO AccidentProtect Basic (S$100,000), Core Cover, family (each adult on their own class; children free at 20% of the cover)12 of its 24 plansEach child: Covered at 20% of the accidental death and disablement, medical expenses, TCM and mobility benefits (S$20,000 accidental death, S$600 medical); no weekly benefit, personal effects or hospital income for a child; free when both parents are insured (20% of the lower plan if the parents differ); children 15 days to 18 (25 in full-time study) | – |
| Great EasternYes | Yes | PA Supreme Plan A, me and my children (S$100,000; each child S$56.68, up to 6)8 of its 16 plansEach child: Child plan: S$25,000 accidental death or permanent disability, S$500 medical expenses, S$150 physician's expenses, S$1,000 mobility aid, S$25,000 evacuation and repatriation, S$3,000 funeral expenses (no weekly, hospital or personal-belongings benefit; physician's expenses carry the S$50 excess); S$56.68 a year each, up to 6 children aged 1 to under 19 (under 26 if a full-time student), unmarried and not working | – |
| LibertyYes | Yes | PACare Plus Enhanced Essential, me and my children (S$50,000)10 of its 20 plansAccidental death and permanent disability: S$50,000 accidental death or permanent disablement (scale); doubles to S$100,000 as a fare-paying passenger on public transport or from landslide, flood, fire or explosion; S$50 a week up to 104 weeks if you work and cannot; family support fund S$20,000 on death or 50%+ disablement; compassionate cash S$1,000 on death; children covered free at 10% of your plan (accidental death, permanent disablement, hospital cash and medical expenses; 10% of Executive where Exclusive or Elite is chosen; unmarried, not working, aged 1 day to 18, or to 25 in full-time study) | – |
| Tokio MarineYes | Yes | TM 365 Personal Accident Plan A (S$50,000) with Child Protector, me and my children8 of its 16 plansEach child: Child Protector: 50% of the Plan A benefits except weekly income (each child S$25,000 death or disablement, S$1,000 medical, S$25 a day in hospital), S$40 a child a year before GST (children from 1 month to 21, or 25 in full-time study) | – |
| UOIYes | Yes | UniPA Value, family (S$100,000 each adult, S$25,000 each child, children free)3 of its 9 plansAccidental death and permanent disability: S$100,000 each adult (half from age 66); S$25,000 each child; 5% a year no claim bonus up to 5 years (max 25%); all premiums paid refunded on death or 100% permanent total disability; medical claims already paid are deducted from the payoutAccident medical expenses: S$2,000 per accident each adult (TCM / chiropractic up to S$500, S$50 a visit); physiotherapy S$500 on a doctor's referral; ambulance S$300; each child S$500 (TCM S$100, S$50 a visit), physiotherapy S$100, ambulance S$75; first treatment within 14 days of the accident, follow-ups within 52 weeksEmergency medical evacuation: S$50,000 each adult (S$10,000 from age 66); S$10,000 each childWhere and when: Worldwide, 24 hours a day; each overseas trip up to 30 consecutive days; adults 18 to 65 at entry, renewable to 70 (sum insured halves from 66), children 2 months to 18; Singapore citizens, PRs and pass holders only | – |
| EQ InsuranceNot statedfrom S$253.32 | Not stated | EQ Personal Accident with medical expenses (the sum you choose, S$200,000 or S$500,000)22 of its 22 plansThe plan's documents do not mention it. | S$253.32Buy Now |
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 insuranceBuy 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
Does personal accident insurance cover children?
On many plans. 21 of the 22 insurers we compare state cover for children on at least one plan; 1 does not state it in the benefits we hold. A child's benefits are often lower than an adult's, and some plans pay no death benefit for a child, so check the plan's wording.
Where do these answers come from?
From each insurer's own policy documents: the benefit table and exclusions of every live plan we compare, 425 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$222.08 today, GST included. The median of each insurer's lowest price is S$322.73.