This guide explains personal accident insurance for a household of two parents and two children. It covers who can be on one policy and how cover for children differs from cover for adults. It also compares one policy with separate ones, and lists the benefits that differ between plans. Today's example premiums for this household are set out, with what they assume.
Who can be on one policy
Personal accident insurance pays out when an injury is caused by an accident. It does not depend on where the accident happens. A fall at a playground, a slip at a hawker centre or a knock on the MRT platform can all be accidents. Many insurers sell this cover for one person or for a group of family members. On this site, household groupings are priced as separate examples.
Groupings with their own price pages:
- You and your spouse (couple)
- You and one child (parent and 1 child)
- You and two children (parent and 2 children)
- You, your spouse and one child (family with 1 child)
- You, your spouse and two children (family with 2 children)
- Two children on their own (children only)
What to check:
- How the plan defines a child or dependant
- Whether each adult is assessed on their own job
- Whether everyone on the policy shares one renewal date
What today's example assumes
The family with 2 children price page shows today's spread of premiums for this household. On 16 October 2026, 14 insurers price it. Premiums range from S$167.95 (about S$168) to S$2,212.70 (about S$2,213). These are examples only. They are not what any household will pay.
The example assumes:
- Two adults aged 18 to 59
- Both adults work as accountants
- A sum insured of S$50,000
- Two children
Things that can change the price:
- Occupation. 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. A parent with an outdoor or manual job will see a different price.
- Age. Most insurers cover adults up to age 65. Some charge more from age 60. The insurer confirms age when you apply.
- Sum insured. A higher lump sum means a different premium.
- Number of children. One child and two children are priced separately.
The spread between the lowest and highest premium is wide. Plans at different ends of the range may not offer the same benefits.
How children's cover differs from adults'
Children do not have a job. In this example, the occupation class comes from the adults' work. Beyond that, plans treat children in different ways. The details sit in each plan's policy wording.
What to check for each child:
- The lump sum paid for a child, and whether it matches the adults' amount
- The age range a plan accepts for children, which differs between plans
- The limit for medical bills after an accident
- Whether traditional Chinese medicine (TCM) and physiotherapy are included
- The daily cash benefit while in hospital
- Whether infectious diseases such as dengue and hand, foot and mouth disease (HFMD) are covered, since only some plans include them
- What happens when a child passes the plan's age limit
One family policy or separate policies
A household can hold one policy for everyone or separate policies for each person. Neither is right for every household. The choice depends on the price, the benefits and how much flexibility is wanted.
What to compare:
- The family premium against the total of separate premiums, such as the couple and children only pages added together
- Whether one policy means one application, one renewal and one set of terms
- Whether separate policies allow a different sum insured for each person
- Whether separate policies allow different plans, for example a plan with dengue cover for the children
- What happens to the family policy if one parent changes job
- What happens if one person leaves the policy
Benefits that differ between plans
Most personal accident plans share the same core benefits. The limits and conditions differ. The comparison page and the quote page show what each plan offers.
Benefits to compare:
- Accidental death or permanent disability. This is the lump sum, called the sum insured. Many people choose a few years of income.
- Medical bills after an accident. These are paid up to a separate, smaller limit. Check whether TCM and physiotherapy are included.
- Daily hospital cash. A cash amount for each day in hospital.
- Infectious diseases. Some plans cover dengue and HFMD. Others do not.
- Cover overseas. Most plans cover you worldwide, 24 hours a day. Some limit trips abroad, for example to 90 or 180 days per trip. Check the plan page before a long trip.
- Age limits. Most insurers cover adults up to age 65. Some charge more from age 60.
After an accident
A claim is made to the insurer, not to the broker. The insurer decides each claim under its policy wording. The Claims page explains the general steps.
What to keep and do:
- Get medical treatment first
- Keep receipts, medical reports and doctor's notes
- Note the date, time and place of the accident
- Tell the insurer as soon as practical
- Check the policy for time limits on making a claim
- Tell the insurer if a parent's job changes, as a claim may be cut if the occupation class is wrong
Things to note
- Personal accident is not health insurance. It pays for accidents only. Hospital bills from illness need a health plan such as an Integrated Shield Plan.
- Illness is not covered unless the plan names it. Dengue and HFMD are covered only by some plans.
- Some causes are excluded. These include self-inflicted injury, injury while under the influence of alcohol or drugs, and war, terrorism and nuclear risks.
- The example premium is not a quote. It assumes two accountants aged 18 to 59, two children and S$50,000 of cover. Your own price depends on your details.
- The lowest premium does not show the level of cover. Plans here are listed by premium only. Benefits need to be compared separately.
Where to get help
For the general steps after an accident, see the Claims page. To get prices for your household, start on the personal accident quote page. For today's example for this household, see the family with 2 children price page. To reach us, use the contact details on the About page. Other guides are listed on the guides page.