A good plan for 2 children on their own pays a lump sum for accidental death or permanent disability, covers medical bills after an accident, and adds daily cash in hospital. Today the lowest price on this page is S$289.94, from Sompo. These are the example's prices, not what you will pay.
Prices today: 2 children on their own
| Insurer | Plan | Premium | As at |
|---|---|---|---|
| SompoPAJunior Bunny (S$10,000 each child; first child S$152.60, then 10% off)Buy Now | PAJunior Bunny (S$10,000 each child; first child S$152.60, then 10% off) | S$289.94 | 9 Oct 2026 |
| ChubbDBS MultiGen Protect Classic, children only (S$60,000 disability each child; 10-15% multi-member discount from two children)Buy Now | DBS MultiGen Protect Classic, children only (S$60,000 disability each child; 10-15% multi-member discount from two children) | S$295.07 | 20 Oct 2026 |
| India Internationali-Aid Enhanced, children only (S$30,000 each child)Buy Now | i-Aid Enhanced, children only (S$30,000 each child) | S$348.80 | 10 Oct 2026 |
| IncomePA Assurance Basic, children only (S$100,000 each child, full price)Buy Now | PA Assurance Basic, children only (S$100,000 each child, full price) | S$466.52 | 16 Oct 2026 |
As of 12 Nov 2026 (Singapore time). All prices include 9% GST. "As at" is the date we read the insurer's published price table. A price with today's date comes from the insurer's live rates.
What a good plan looks like for 2 children
The example assumes 2 children insured on their own, with no parent on the policy. Children have no salary to replace. So you weigh the plan differently from an adult's.
The claims children are most likely to make are for injuries, such as a fall at the playground or a sports injury. A good plan for this case does three things:
- Pays for treatment. Medical bills after an accident should be covered, including TCM and physiotherapy.
- Pays something for hospital days. A daily cash benefit helps with costs the bills do not cover.
- Sets a clear lump sum. The death and disability benefit is the core of every plan, but it is the part you hope never to use.
Before you open the comparison, write down which of these three matters most to you. Then rank the plans against that list.
The cover that matters most
The lump sum is what defines a personal accident plan. It pays out on accidental death or permanent disability. Check the sum for each child, not only the total for the two. Ask whether both children get the same amount.
For children, the medical cover often decides how useful the plan is. Look for these points:
- Medical bills after an accident. Check what is reimbursed and whether there is a cap on each claim.
- TCM and physiotherapy. Both can follow a sports injury. Check that the plan lists them by name.
- Daily hospital cash. Check how the benefit is paid and whether it has a limit on the number of days.
Line up two or three plans on these points. Do not compare on the lump sum alone.
Infectious diseases
A personal accident plan normally pays for injury, not illness. Some plans add infectious diseases such as dengue and HFMD. HFMD is a common childhood illness, so this can matter for children in school or childcare.
If a plan does not name an illness, it does not cover it. Illness that was not caused by an accident is excluded unless the plan says otherwise.
Check whether each plan on your shortlist names dengue and HFMD. Count that as extra cover when you weigh the price.
The excess
An excess is the amount you pay first on a claim before the insurer pays the rest. Plans differ on whether they have one. They also differ on whether it applies to each claim, each child or each year.
This matters for small claims. A clinic visit after a minor fall may cost less than the excess. In that case the plan pays nothing, and you carry the cost.
When you compare plans, look at the excess and at how it applies. Ask whether it applies to medical bills only or to every benefit.
The price
Today 4 insurers price this example. Prices run from S$289.94 to S$1,105.26.
That gap is wide, and the cover inside each plan is not identical. A lower price may mean lower limits, a higher excess or fewer named illnesses. A higher price may buy more of each.
The full list is on the price page for 2 children. To see plans ranked by premium or by a value score, use the personal accident ranking. For a side-by-side view, use the comparison page.
The price is confirmed when you press Buy Now. The insurer then takes payment and issues the policy.
Who it suits
A children-only policy has two sides.
Pros
- It covers the children whatever happens to the parents' own policies.
- It is simple: two children, one policy.
- It lets you pick cover built around injuries and childhood infections.
Cons
- It does not cover any adult. If you want the whole household, look at the parent and 2 children or family with 2 children examples.
- It does not cover illness unless the plan names it.
- A low price may come with a lower limit on medical bills.
This kind of plan suits you if the children need their own cover, separate from yours. Decide that first. Then compare plans.
What to check before buying
Read the plan details on the Shenton page before you press Buy Now. Check these points:
- Who is insured. Confirm both children are named on the plan.
- Benefits for each child. Check the lump sum, the medical limit and the daily cash benefit.
- Named illnesses. Check whether dengue and HFMD are included.
- Excess. Check the amount and how it applies.
- Exclusions. Self-inflicted injury, injury under the influence of alcohol or drugs, and war, terrorism and nuclear risks are not covered.
It also helps to know how a claim works before you need one. The claims page explains the steps. For an overview of the product, see personal accident insurance.
Frequently asked questions
How much does personal accident insurance for 2 children cost?
Today 4 insurers price this example, from S$289.94 to S$1,105.26. These are the example's prices, not what you will pay. The price is confirmed when you press Buy Now.
What does a children's personal accident plan cover?
It pays a lump sum for accidental death or permanent disability. It also covers medical bills after an accident, including TCM and physiotherapy. It adds a daily cash benefit while in hospital.
Does it cover illness?
Not unless the plan names the illness. Illness that was not caused by an accident is excluded. Some plans cover infectious diseases such as dengue and HFMD, so check each plan.
How do I buy the plan?
Compare the plans on the ranking or comparison page, then press Buy Now on the one you want. You buy through Shenton. The insurer takes payment and issues the policy.
Compare personal accident insurance for 2 children on their own today
The prices on this page update daily. See every plan priced for 2 children on their own, ranked by premium, with what the example assumes, or get a quote with your own details through Shenton Brokers.