This guide explains how personal accident insurance can cover a couple, and how a household might add children. It covers who can be on one policy and how children's cover differs from adults' cover. It also covers the choice between one policy and separate ones. It then sets out today's example prices for a couple and the benefits that differ between plans. It is general information. It is not advice on any one household's needs.
Who can be on one policy
Personal accident insurance pays for accidents only. It pays a lump sum for accidental death or permanent disability. It also pays medical bills after an accident and a daily cash benefit while in hospital. Many plans let more than one person share a policy. The groupings priced on this site show the common options.
- A couple: you and your spouse, priced on the couple price page.
- One parent and children: you and 1 child or you and 2 children.
- A family: you, your spouse and 1 child or you, your spouse and 2 children.
- Children on their own: 1 child or 2 children.
- What to check: how the plan defines a spouse and a child, and what proof of relationship it asks for.
How children's cover differs from adults' cover
An adult's price depends largely on age and occupation class. 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 child has no job, so the occupation class does not work in the same way. A plan may set a child's cover differently from an adult's. The details differ between plans. The policy wording is the place to confirm them.
- The youngest and oldest age at which a child can be covered.
- Whether the child's sum insured matches the adults' or is a different amount.
- Whether medical bills for a child are paid up to the same limit as for an adult.
- Whether the plan includes infectious diseases such as dengue and hand, foot and mouth disease (HFMD). Only some plans do.
- What happens to a child's cover once the child passes the plan's age limit.
One policy or separate ones
A couple can share one policy or each hold their own. Neither suits every household. The choice affects how the cover is set, paid for, renewed and changed.
- Renewal: a shared policy has one renewal date and one premium. Separate policies may renew on different dates.
- Sum insured: this is the lump sum paid on accidental death or permanent disability. Many people choose a few years of income. A shared policy may set one amount for both adults. Separate policies let each person choose.
- Occupation class: each adult's job still affects the price. Where one spouse works outdoors or in a manual role, compare the shared price with two separate quotes.
- Life changes: check what happens to a shared policy if the couple separates or one person moves overseas.
- A point of comparison: the S$50,000 cover page shows plans for one adult at the same sum insured as the couple example.
What today's prices for a couple assume
On 26 October 2026, 21 insurers price the couple example on the couple price page. Premiums run from about S$135 to about S$2,402. These are today's examples. They are not what any household will pay.
The example assumes:
- Two adults aged 18 to 59.
- Both work as accountants, which is office work in class 1.
- A sum insured of S$50,000.
The gap between the lowest and highest premium is wide. Plans differ in their benefits, not only their price. The site lists plans by premium only, so the order says nothing about the benefits. Questions that change the picture for a household:
- Is either adult aged 60 or over? Most insurers cover adults up to age 65. Some charge more from 60. The insurer confirms age at application.
- Does either adult work outside an office? A different occupation class changes the price.
- Is S$50,000 the sum insured the household has in mind? A different amount changes the price.
- Which benefits sit behind each premium? The next section lists the ones to compare.
Benefits that differ between plans
Two plans with the same sum insured can pay out differently. The lump sum is only one part. Other benefits carry their own limits, and these limits differ between plans. The compare page sets plans side by side.
- Medical bills: paid up to a separate, smaller limit than the sum insured. Check whether traditional Chinese medicine (TCM) and physiotherapy are included.
- Daily hospital cash: check the daily amount and how many days the plan pays it for.
- Infectious diseases: some plans include dengue and HFMD. Others do not.
- Overseas cover: most plans cover you worldwide, 24 hours a day. Some limit each trip abroad, for example to 90 or 180 days per trip.
- Exclusions: illness 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.
If one of you has an accident
Many accidents happen in ordinary places. Examples include a fall in an HDB flat, a slip on a wet hawker centre floor or a knock on an MRT escalator. Claim steps differ between insurers. Some records are useful in most claims.
- Treatment receipts, including bills for TCM and physiotherapy.
- Hospital discharge summaries and the dates of each hospital stay.
- A short note of when, where and how the accident happened.
- The policy number, and which insured person the claim is for on a shared policy.
- The steps on the Claims page for starting a claim.
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.
- A lower premium is not the same cover. Plans are listed by premium only. Benefit limits and inclusions differ.
- Occupation class applies to each adult. If a job changes, inform the insurer. Otherwise a claim may be cut.
- Dengue and HFMD are not in every plan. Households with young children may want to check this item first.
- Age matters at both ends. Today's prices assume adults aged 18 to 59. Most insurers cover adults up to age 65.
Where to get help
The personal accident quote page prices plans for a couple, a family or one person. The Claims page explains how to start a claim with an insurer. For other questions, the Contact page on this site lists how to reach the team. More guides on personal accident cover are on the guides page.