Most personal accident plans in Singapore share the same basic shape. They pay a lump sum for accidental death or permanent disability. They pay medical bills after an accident. They also pay a daily cash benefit while you are in hospital. The differences lie in four places: the size of each benefit, the extras each plan includes, and how each plan treats your job and your trips abroad. Our comparison page lists plans from the lowest premium up. So the premium is where you start, and a benefit-by-benefit check is what you do next.
How the comparison page ranks plans
You tell us three things: your age, the kind of work you do and how much cover you want. We price plans from each insurer on our panel. We then list them from the lowest premium up. The ranking is by premium only. It does not score benefits, and it does not judge which plan suits your situation.
This means the plan at the top has the lowest premium for your answers. It may not have the widest benefits. When you pick a plan, you finish buying on the insurer's own site, with your answers already filled in. You can start on the personal accident quote page.
The spread between plans can be wide. Here are two of today's examples, as of 20 October 2026:
- An accountant with S$200,000 cover: 21 insurers price it, from about S$174 to about S$1,201 a year.
- A sales executive who travels for work, with S$100,000 cover: 22 insurers price it, from about S$109 to about S$1,153 a year.
These are examples only, not what you will pay. Part of that gap reflects differences in benefits, which is why the sections below matter.
The sum insured for death and permanent disability
The sum insured is the lump sum paid if you die or are permanently disabled in an accident. It is the headline benefit, and you choose the amount. Many people choose a few years of income. Our price pages show office-worker examples at S$50,000, S$100,000 and S$500,000.
Compare plans at the same sum insured. A plan that looks cheaper may simply be pricing a smaller lump sum. Once the sum insured matches, the remaining price gap comes from the other benefits and from how each insurer prices your job.
For permanent disability, many plans pay part of the sum insured for a partial disability, set out in a schedule in the policy. The schedule differs between plans. It is worth reading on the insurer's plan page before you buy.
Medical bills after an accident
Medical bills after an accident are paid up to a separate, smaller limit. This limit is not the same as the sum insured. It differs between plans, and it is often where a lower premium shows its trade-off.
When you compare this benefit, check these points:
- The limit itself: how much the plan pays for treatment after an accident.
- TCM: whether traditional Chinese medicine treatment is included.
- Physiotherapy: whether it is included, which matters for sprains and fractures.
- How the limit applies: whether it is per accident or per policy year.
A higher medical limit is better for people who expect more minor injuries, such as those with active jobs or weekend sports. A lower medical limit is better for people who mainly want the lump sum and accept smaller payouts for clinic visits.
Daily hospital cash
The daily cash benefit pays a fixed amount for each day you are in hospital after an accident. It is not a refund of the hospital bill. It is cash that can help with costs around the stay, such as transport or lost income.
The daily amount and the number of days paid differ between plans. Some plans set this benefit low to keep the premium down. If you have a family that depends on your income, compare this line closely.
Infectious diseases and other named extras
Personal accident plans do not cover illness that was not caused by an accident, unless the plan names it. Some plans name infectious diseases such as dengue and hand, foot and mouth disease (HFMD).
This matters in Singapore. Dengue cases show up in housing estates across the island, and HFMD spreads in childcare centres and kindergartens. If a plan includes these, check how the benefit works, since it may be narrower than accident cover.
A plan with infectious disease cover is better for households with young children or people who live near dengue clusters. A plan without it is better for those who want a lower premium and rely on other cover for illness. For families, compare the family with two children or parent and one child pages.
What usually stays the same between plans
Some parts of personal accident cover vary little from plan to plan. Knowing them saves time, as you do not need to compare them line by line.
The main exclusions are broadly the same. Plans generally do not cover:
- 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
Personal accident cover is also not health insurance. It pays for accidents only. Hospital bills from illness need a health plan such as an Integrated Shield Plan. No personal accident plan replaces that.
Occupation class, age and trips abroad
Insurers group jobs into four occupation classes by accident risk. Office work is class 1. Heavy manual work is class 4, which most insurers do not cover online. Your class sets the price, so a plan's rank can change a lot between an office job and a skilled manual job.
The number of plans can also shrink for some jobs. Today, a technician with S$500,000 cover has 6 insurers pricing it, from about S$567 to about S$1,883. Tell the insurer if your job changes, or a claim may be cut. Our claims page explains how claims generally work.
Age and travel are the other two checks:
- Age: prices shown are for an adult aged 18 to 59. Most insurers cover adults up to age 65, and some charge more from 60. The insurer confirms your age when you apply.
- Overseas cover: most plans cover you worldwide, 24 hours a day. Some limit trips abroad, for example to 90 or 180 days per trip.
Weighing a lower premium against a thinner benefit
A lower premium is not a problem in itself. The question is what has been trimmed to reach it. Two plans with the same sum insured can differ on the medical limit, TCM, physiotherapy, hospital cash and infectious disease cover.
A simple way to compare is to line up the top few plans for your answers and check each benefit in the same order. Note where a plan is thinner, then ask whether that benefit matters for your household.
A lower-premium plan with thinner benefits is better for people who mainly want the lump sum and already hold other cover. A higher-premium plan with fuller benefits is better for people who want medical, hospital cash and infectious disease cover in one policy. You can see the plans side by side on the comparison page.
Frequently asked questions
Does the top-ranked plan have the widest cover?
Not necessarily. Plans are ranked by premium only, from the lowest up. Check each benefit on the insurer's plan page before you decide.
Why do prices for the same sum insured vary so much?
Insurers set different medical limits, hospital cash amounts and extras. They also price occupation classes differently. Comparing at the same sum insured helps you see the benefit gaps behind the price gap.
Will a personal accident plan pay for a dengue hospital stay?
Only if the plan names infectious diseases such as dengue. Many plans cover accidents only. Check the plan page, and remember that illness generally needs a health plan.
Can I compare plans for my whole household?
Yes. There are price pages for couples, parents with children, families and children on their own. Start on the personal accident quote page and choose the people you want covered.