Personal accident insurance

Does personal accident insurance cover sports injuries?

As of 28 Oct 2026 (Singapore time)

For most amateur sport, yes. 21 of the 22 insurers we compare exclude professional sport or named risky activities, such as racing, mountaineering with ropes, diving with breathing apparatus, skydiving and winter sports. A sprain from running or the gym is an accident like any other. If you play contact or extreme sports, check the list first.

The figures

Insurers compared: 22, with 418 plans between them.
Insurers that exclude it on every plan: 21, 6 of them with exceptions.
Insurers whose documents do not say: 1.

What each insurer says

Each insurer's most favourable plan on this question, quoted from its policy documents. Prices are for accountant, S$200,000 cover.
Insurer	Covered?	What the policy says	From
Great AmericanExcluded, with exceptionsfrom S$224.14	Excluded, with exceptions	Great Personal Accident Insurance Elite (S$200,000) Basic18 of its 18 plansExcluded: Racing of any kind except on foot; equestrian sports, skydiving, mountaineering, bungee jumping, and winter, water or professional sports where income is earned; flying except as a fare-paying passenger	S$224.14
EtiqaExcluded, with exceptionsfrom S$264.49	Excluded, with exceptions	Tiq Personal Accident Enhanced Gold (S$300,000)12 of its 12 plansExcluded: Professional sports, racing (other than on foot), aviation other than as a fare-paying passengerExcluded: Hazardous occupations (Tiq insures its occupation classes 1 to 3 only, class 3 cannot buy Platinum; pilots and air crew, professional sportsmen, scaffolders, ship and vessel work and the other jobs on its excluded list are not insured)	S$264.49
China TaipingExcluded, with exceptionsfrom S$308.47	Excluded, with exceptions	Executive (S$200,000)16 of its 16 plansExcluded: Caving, mountaineering or rock climbing with ropes or guides, potholing, scuba and other underwater breathing apparatus, bungee jumping, sky diving, hang-gliding, paragliding, parachuting, ballooning, motor rallies and racing other than on foot, professional sports	S$308.47
MSIGExcluded, with exceptionsfrom S$324.28	Excluded, with exceptions	PA PrimePlus (Series II) Silver (S$500,000)6 of its 30 plansExcluded: Aerial activities, white-water rafting, diving with breathing apparatus, bungee jumping, skydiving, winter sports, mountaineering with ropes, speed trials and extreme sports, except at 50% of the sum insured under the Adventurous Activities cover	S$324.28
IncomeExcluded, with exceptionsfrom S$361.88	Excluded, with exceptions	PA Assurance Classic (S$200,000)38 of its 38 plansExcluded: Racing (other than on foot) and riding an all-terrain vehicle, unless Income agrees in writing	S$361.88
AllianzExcluded, with exceptionsfrom S$378.94	Excluded, with exceptions	Accident Protect Plus Gold (S$250,000)12 of its 12 plansExcluded: Working as full-time military, police or civil defence (other than desk-bound, NS or reservist duty), professional sportsman, racer, entertainer, stuntman, jockey, woodworking, welding, air or sea crew, offshore work, construction, or on scaffolding or gondolasExcluded: Professional sports; aerial activities (parachuting, hang-gliding), diving deeper than 50 m, mountaineering with ropes; racing other than on foot; recreational activities without licensed guides or safety procedures	S$378.94
EQ InsuranceNofrom S$174.40	No	EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000)22 of its 22 plansExcluded: Racing, aviation, mountaineering, bungee jumping, aerial activities, winter sports and white-water rafting; professional sports	S$174.40
UOINofrom S$218.76	No	UniPA Plus (S$200,000)9 of its 9 plansExcluded: Professional sports; racing, mountaineering with ropes, rock climbing, airborne activities; flying other than as a fare-paying passengerExcluded: Excluded occupations unless agreed: air and ship crew, divers, explosives, shipyard and offshore work, construction-site manual work and work at height above 10 m, operators of construction machinery, professional sportspeople, jockeys, uniformed services (except sedentary duties)	S$218.76
ERGONofrom S$223.00	No	ERGO AccidentProtect Essential (S$200,000), Core Cover24 of its 24 plansExcluded: Underground or offshore work, mining, oil rigs, diving beyond recreational limits; motorised races; professional sports	S$223.00
India InternationalNofrom S$239.80	No	i-Aid Enhanced (S$200,000)20 of its 20 plansExcluded: Professional sports; winter sports, football, rugby, polo, hunting, roped mountaineering or rock climbing, pot-holing, diving of any kind, racing other than on foot, martial arts	S$239.80
Tokio MarineNofrom S$250.70	No	TM 365 Personal Accident Plan C (S$200,000)16 of its 16 plansExcluded: Not suitable for aviation, aircraft or vessel crew, work at heights, underground or underwater, offshore and rig work, fire fighters, military and police, professional sports and racing, explosives and hazardous chemicals, construction and unskilled workers, welders and crane operators	S$250.70
Great EasternNofrom S$283.40	No	PA Supreme Plan B (S$200,000)16 of its 16 plansExcluded: Winter sports, mountaineering, rock climbing, underwater activities, motor sports, racing and any airborne activityExcluded: Injuries in the course of listed occupations: armed forces and police (other than peacetime reservist), aircrew, professional sport, diving, ship crew, offshore and underground work, heavy machinery, construction above 10 m, hazardous materials	S$283.40
FWDNofrom S$283.84	No	FWD Life PA S$200,000 (Plan B)24 of its 24 plansExcluded: Professional sports and racing of all kinds; firearms and explosives; provoked assault; illegal acts	S$283.84
LonpacNofrom S$303.60	No	Personal CarePlus Standard (S$200,000)12 of its 12 plansExcluded: Excluded occupations: law enforcement and civil defence, full-time military, firemen, professional divers, offshore and oil-rig workers, mining, explosives, dock work, air or sea cabin crew, professional sports and hazardous sports	S$303.60
AIGNofrom S$305.20	No	Sapphire Enhanced Choices Preferred, Basic package (S$200,000)32 of its 32 plansExcluded: Aerial activity other than as a passenger; professional sports; racing or speed tests	S$305.20
SompoNofrom S$316.10	No	PAStar Elite (S$200,000)27 of its 27 plansExcluded: Excluded occupations unless agreed: aircrew on duty, full-time military, police, fire fighters, construction / unskilled workers, offshore and ship workers, welders, professional sportspersons, work at height or underground, woodworking machinists, divers, jockeys, crane operators	S$316.10
QBENofrom S$337.90	No	PA Prestige Plan B (S$200,000)16 of its 16 plansExcluded: Hazardous or high-risk occupations are not insurable: construction workers, welders, professional entertainers and sportspeople, divers, military and emergency services, crew of vessels, ship repairers, cutting machinery, heavy machinery, carpentry, underground work, work above 10 metres, firearms, explosives, hazardous chemicals, rigs and offshore, drivers needing class 2/2A/2B or class 4 licences	S$337.90
LibertyNofrom S$389.13	No	PACare Plus Enhanced Executive (S$200,000)20 of its 20 plansExcluded: Decline risks: air and ship crew, professional divers and sportspersons, diving, oil-rig, on-board vessel or offshore work, fire-fighting, police or military, work at height, depth or heat; security, construction and entertainment industries are referredExcluded: Professional sports, rock climbing (except man-made walls), mountaineering with guides or ropes, scuba diving, speed contests or racing (other than on foot), motor rallies, hunting, potholing, parachuting, sky diving, hang gliding, bungee or base jumping, competitive snow or ice sports	S$389.13
SinglifeNofrom S$423.57	No	Personal Accident Standard (S$200,000)12 of its 12 plansExcluded: Professional or paid sports; speed or time trials and racing	S$423.57
HL AssuranceNofrom S$495.96	No	Family Protect360 Premier (S$250,000 an adult)16 of its 16 plansExcluded: Flying other than as a fare-paying passenger; white-water rafting, bungee jumping, jet skiing, diving with breathing apparatus, ski racing, hang gliding, parachuting, hunting, pot-holing, mountaineering or rock climbing with ropes or guidesExcluded: Employed as a professional sportsperson or racer, full-time military, police, civil defence, navy or fire fighter on duty, air crew or pilot, off-shore worker (diver, rig worker, fisherman, ship crew), scaffolding or gondola work, construction work above 30 feet or underground, tunnelling, demolition or quarry work, or handling explosives, firearms or hazardous substances	S$495.96
ChubbNo	No	DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)10 of its 10 plansExcluded: Not offered here to police officers, the regular forces, full-time national servicemen, uniformed office staff, firefighters or civil defence officers: the wording excludes on-duty service in armed or disciplined forces; auxiliary police, customs, immigration and prison officers, professional sportspeople and aircrew are covered only off duty; motor sports and air travel other than as a passenger on a licensed airliner are excluded; Chubb asks no occupation and charges one price for every job	–
HSBC LifeNot statedfrom S$204.92	Not stated	HSBC Life Band Aid Package 2 (S$200,000), basic plan16 of its 16 plansThe plan's documents do not mention it.	S$204.92

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.