Four things decide it: what the plan pays out, what medical costs it covers, whether it names infections like HFMD and dengue, and what it excludes. Today the lowest price on this page is S$152.60, from Sompo. Today's prices run from S$152.60 to S$552.63 across 4 insurers, for this example only.
Prices today: 1 child 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$152.60 | 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$163.93 | 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$174.40 | 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$233.26 | 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 does personal accident insurance pay for a child?
It pays a lump sum if your child dies or is permanently disabled because of an accident. That lump sum is the core of the plan.
The amount differs from plan to plan. Read the benefit schedule for the exact figure before you compare prices.
The lump sum is not a payout for everyday injuries. A broken arm that heals is usually a medical-bill claim, not a lump-sum claim. Check how each plan defines permanent disability, because that wording decides what is paid.
Does it cover medical bills after an accident?
Yes, the plans on this site cover medical bills after an accident, including TCM and physiotherapy. The reason this matters is that most childhood accidents are bumps, falls and sprains, not the serious events behind the lump sum.
What varies is how the plan pays. Look at these points:
- Is there a limit on medical bills for each accident?
- Are TCM and physiotherapy included, or only hospital and clinic bills?
- Do you pay the bill first and claim it back?
- Does the plan sit alongside a hospital plan you already hold?
If you already have hospital cover for your child, ask where the two plans overlap. That tells you what a personal accident plan adds.
Is a daily hospital cash benefit worth having?
It depends on your household. Many plans pay a daily cash amount while your child is in hospital. The cash is separate from the bills.
Some parents use it to cover lost work time or extra travel to the hospital. Others do not need it. If one of you can take leave easily, it may matter less.
When you compare, look at two things. How much is paid each day? And how many days will the plan pay for? Those details change the value more than the headline benefit name does.
Should the plan cover dengue and HFMD?
Only some plans do, so check each one. A personal accident plan covers accidents. It does not cover illness that was not caused by an accident, unless the plan names it.
Some plans name infectious diseases such as dengue and HFMD. Young children can catch these, so you may want that line in the plan. If you do, look for it in the plan's list of covered conditions rather than assuming it is there.
If it does not matter to you, a plan without it may suit you fine. That is a call about your child and your household.
What does it not cover?
The plans on this site share a set of common exclusions. Read them before you pick:
- Illness that was not caused by an accident, unless the plan names it
- Self-inflicted injury
- Injury while under the influence of alcohol or drugs
- War, terrorism and nuclear risks
For a child, the first exclusion is the one that bites most often. A fever, a stomach bug or a chronic condition is an illness, not an accident. Do not expect a personal accident plan to pay for those.
Why do prices differ so much between plans?
The gap is wide because plans bundle different benefits. Today 4 insurers price this example, from S$152.60 to S$552.63. Those are today's prices for the example on the children-only, 1 child price page. They are not what you will pay.
A lower price may mean fewer benefits or lower limits. A higher price may mean a bigger payout, more medical cover or named infections. You can only tell by laying the benefits side by side.
Your own price is confirmed when you press Buy Now on a plan. Until then, treat every figure as a guide to the spread.
How do I compare plans for one child?
Start with the benefits, then look at the price. Here is a simple order to work in:
- Note the lump-sum amount for accidental death or permanent disability.
- Check the medical-bill limit and whether TCM and physiotherapy count.
- See whether a daily hospital cash benefit is included.
- Look for dengue, HFMD or other named infections.
- Read the exclusions.
- Only then compare the premiums.
This order stops a low price from steering you before you know what it buys. You can rank plans by premium or by a value score on the personal accident comparison page. The personal accident page lets you run a quote for your own case.
What should I settle before I buy?
Settle four things first, because they decide which plan fits:
- What you want the lump sum to do. Decide how much matters to you, then check each plan's schedule.
- Whether you need infection cover. If dengue and HFMD worry you, filter for plans that name them.
- What you already hold. Check any hospital cover for your child so you know the gaps.
- How claims work. Read the claims page so you know what paperwork to keep after an accident.
With those answers, the price page is easier to read. You can then compare plans on what matters to your child, not on the headline premium alone.
Frequently asked questions
Can a child have personal accident insurance on their own?
Yes. This example prices 1 child on their own, with no parent on the policy. Four insurers price it today, so you can compare their benefits and premiums for one child.
Does it cover illness?
Not unless the plan names it. A personal accident plan pays for accidents, so illness that was not caused by an accident is excluded. Some plans name infectious diseases such as dengue and HFMD, so check each plan's list.
Are the prices on this page what I will pay?
No. They are today's prices for the example of 1 child. Your price is confirmed when you press Buy Now, and it can differ from what you see here.
Does it pay for TCM and physiotherapy?
The plans cover medical bills after an accident, including TCM and physiotherapy. Limits and rules differ, so check how each plan treats them before you compare premiums.
Compare personal accident insurance for 1 child on their own today
The prices on this page update daily. See every plan priced for 1 child on their own, ranked by premium, with what the example assumes, or get a quote with your own details through Shenton Brokers.