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Personal accident insurance

How Allianz prices personal accident insurance

Priced online

What the figures include

The table's figures already include 9% GST.

Prices from this table are as at 19 Oct 2026, the day we read Allianz's published rates.

The insurer places some jobs in a different occupation class from ours, and prices them in its own: Chef or cook class 1; Cleaner (kitchen, outdoor or industrial) class 1; Engineer (site or field-based) class 1; Factory worker class 1; Hawker or stallholder class 1; Technician class 1; Warehouse or logistics worker class 1; Butcher class 3; Chauffeur or private driver class 3; Crane or heavy machinery operator class 3; Fitness or gym instructor class 3; Lifeguard class 3; Nurse (clinic or outpatient) class 3; Nurse (hospital or ward) class 3; Paramedic or ambulance crew class 3; TCM practitioner or acupuncturist class 3; Veterinarian class 3. It does not cover these jobs online: Army, navy or air force (regular); Carpenter; Flight attendant; Police officer.

A plan's premium is its base figure, times each factor that applies, plus any additions. It is never below the plan's minimum. Version 4, live since 20 Oct 2026.

Plans and how each is priced

Accident Protect Plus Silver (S$100,000)

Offered when Who is covered is One adult; Sum insured up to S$100,000; Occupation class up to Class 3

Base premium
Occupation classFigure
Class 1 to Class 2S$171.14
Class 3S$281.15
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

Accident Protect Plus Gold (S$250,000)

Offered when Who is covered is One adult; Sum insured up to S$250,000; Occupation class up to Class 3

Base premium
Occupation classFigure
Class 1 to Class 2S$378.94
Class 3S$660.12
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

Accident Protect Plus Platinum (S$500,000)

Offered when Who is covered is One adult; Sum insured up to S$500,000; Occupation class up to Class 3

Base premium
Occupation classFigure
Class 1 to Class 2S$709.02
Class 3S$1,222.43
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

Accident Protect Plus Silver, me and my children (S$100,000; each child on the Child plan, S$48.90; 15% off the whole premium)

Offered when Who is covered is One adult and children; Sum insured up to S$100,000; Occupation class up to Class 3; Children up to 10

Base premium One figure for each of 3 occupation classes (Class 1, Class 2, Class 3), multiplied by ×0.926.

Show all 2 figures
Base premium
Occupation classFigure
Class 1 to Class 2S$157.01
Class 3S$257.94
Multiplied by
AgeFigure
Up to 65×1.00

Plus One figure for each of 10 children values, multiplied by ×0.926.

Show all 10 figures
Plus
ChildrenFigure
1S$44.86
2S$89.72
3S$134.58
4S$179.44
5S$224.30
6S$269.16
7S$314.02
8S$358.88
9S$403.74
10S$448.60

Excess None

Accident Protect Plus Gold, me and my children (S$250,000; each child on the Child plan, S$48.90; 15% off the whole premium)

Offered when Who is covered is One adult and children; Sum insured up to S$250,000; Occupation class up to Class 3; Children up to 10

Base premium One figure for each of 3 occupation classes (Class 1, Class 2, Class 3), multiplied by ×0.926.

Show all 2 figures
Base premium
Occupation classFigure
Class 1 to Class 2S$347.66
Class 3S$605.61
Multiplied by
AgeFigure
Up to 65×1.00

Plus One figure for each of 10 children values, multiplied by ×0.926.

Show all 10 figures
Plus
ChildrenFigure
1S$44.86
2S$89.72
3S$134.58
4S$179.44
5S$224.30
6S$269.16
7S$314.02
8S$358.88
9S$403.74
10S$448.60

Excess None

Accident Protect Plus Platinum, me and my children (S$500,000; each child on the Child plan, S$48.90; 15% off the whole premium)

Offered when Who is covered is One adult and children; Sum insured up to S$500,000; Occupation class up to Class 3; Children up to 10

Base premium One figure for each of 3 occupation classes (Class 1, Class 2, Class 3), multiplied by ×0.926.

Show all 2 figures
Base premium
Occupation classFigure
Class 1 to Class 2S$650.47
Class 3S$1,121.50
Multiplied by
AgeFigure
Up to 65×1.00

Plus One figure for each of 10 children values, multiplied by ×0.926.

Show all 10 figures
Plus
ChildrenFigure
1S$44.86
2S$89.72
3S$134.58
4S$179.44
5S$224.30
6S$269.16
7S$314.02
8S$358.88
9S$403.74
10S$448.60

Excess None

Accident Protect Plus Silver, me and my spouse (S$100,000 each adult; 15% off the whole premium)

Offered when Who is covered is Two adults; Sum insured up to S$100,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3

Base premium One figure for each of 3 occupation classes (Class 1, Class 2, Class 3), multiplied by ×0.926.

Show all 2 figures
Base premium
Occupation classFigure
Class 1 to Class 2S$157.01
Class 3S$257.94
Multiplied by
AgeFigure
Up to 65×1.00

Plus One figure for each of 3 occupation classes (Class 1, Class 2, Class 3), multiplied by ×0.926.

Show all 2 figures
Plus
Spouse's occupation classFigure
Class 1 to Class 2S$157.01
Class 3S$257.94

Excess None

Accident Protect Plus Gold, me and my spouse (S$250,000 each adult; 15% off the whole premium)

Offered when Who is covered is Two adults; Sum insured up to S$250,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3

Base premium One figure for each of 3 occupation classes (Class 1, Class 2, Class 3), multiplied by ×0.926.

Show all 2 figures
Base premium
Occupation classFigure
Class 1 to Class 2S$347.66
Class 3S$605.61
Multiplied by
AgeFigure
Up to 65×1.00

Plus One figure for each of 3 occupation classes (Class 1, Class 2, Class 3), multiplied by ×0.926.

Show all 2 figures
Plus
Spouse's occupation classFigure
Class 1 to Class 2S$347.66
Class 3S$605.61

Excess None

Accident Protect Plus Platinum, me and my spouse (S$500,000 each adult; 15% off the whole premium)

Offered when Who is covered is Two adults; Sum insured up to S$500,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3

Base premium One figure for each of 3 occupation classes (Class 1, Class 2, Class 3), multiplied by ×0.926.

Show all 2 figures
Base premium
Occupation classFigure
Class 1 to Class 2S$650.47
Class 3S$1,121.50
Multiplied by
AgeFigure
Up to 65×1.00

Plus One figure for each of 3 occupation classes (Class 1, Class 2, Class 3), multiplied by ×0.926.

Show all 2 figures
Plus
Spouse's occupation classFigure
Class 1 to Class 2S$650.47
Class 3S$1,121.50

Excess None

Accident Protect Plus Silver, family (S$100,000 each adult; each child on the Child plan, S$48.90; 15% off the whole premium)

Offered when Who is covered is Two adults and children; Sum insured up to S$100,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Children up to 10

Base premium One figure for each of 3 occupation classes (Class 1, Class 2, Class 3), multiplied by ×0.926.

Show all 2 figures
Base premium
Occupation classFigure
Class 1 to Class 2S$157.01
Class 3S$257.94
Multiplied by
AgeFigure
Up to 65×1.00

Plus (1 of 2) One figure for each of 3 occupation classes (Class 1, Class 2, Class 3), multiplied by ×0.926.

Show all 2 figures
Plus (1 of 2)
Spouse's occupation classFigure
Class 1 to Class 2S$157.01
Class 3S$257.94

Plus (2 of 2) One figure for each of 10 children values, multiplied by ×0.926.

Show all 10 figures
Plus (2 of 2)
ChildrenFigure
1S$44.86
2S$89.72
3S$134.58
4S$179.44
5S$224.30
6S$269.16
7S$314.02
8S$358.88
9S$403.74
10S$448.60

Excess None

Accident Protect Plus Gold, family (S$250,000 each adult; each child on the Child plan, S$48.90; 15% off the whole premium)

Offered when Who is covered is Two adults and children; Sum insured up to S$250,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Children up to 10

Base premium One figure for each of 3 occupation classes (Class 1, Class 2, Class 3), multiplied by ×0.926.

Show all 2 figures
Base premium
Occupation classFigure
Class 1 to Class 2S$347.66
Class 3S$605.61
Multiplied by
AgeFigure
Up to 65×1.00

Plus (1 of 2) One figure for each of 3 occupation classes (Class 1, Class 2, Class 3), multiplied by ×0.926.

Show all 2 figures
Plus (1 of 2)
Spouse's occupation classFigure
Class 1 to Class 2S$347.66
Class 3S$605.61

Plus (2 of 2) One figure for each of 10 children values, multiplied by ×0.926.

Show all 10 figures
Plus (2 of 2)
ChildrenFigure
1S$44.86
2S$89.72
3S$134.58
4S$179.44
5S$224.30
6S$269.16
7S$314.02
8S$358.88
9S$403.74
10S$448.60

Excess None

Accident Protect Plus Platinum, family (S$500,000 each adult; each child on the Child plan, S$48.90; 15% off the whole premium)

Offered when Who is covered is Two adults and children; Sum insured up to S$500,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Children up to 10

Base premium One figure for each of 3 occupation classes (Class 1, Class 2, Class 3), multiplied by ×0.926.

Show all 2 figures
Base premium
Occupation classFigure
Class 1 to Class 2S$650.47
Class 3S$1,121.50
Multiplied by
AgeFigure
Up to 65×1.00

Plus (1 of 2) One figure for each of 3 occupation classes (Class 1, Class 2, Class 3), multiplied by ×0.926.

Show all 2 figures
Plus (1 of 2)
Spouse's occupation classFigure
Class 1 to Class 2S$650.47
Class 3S$1,121.50

Plus (2 of 2) One figure for each of 10 children values, multiplied by ×0.926.

Show all 10 figures
Plus (2 of 2)
ChildrenFigure
1S$44.86
2S$89.72
3S$134.58
4S$179.44
5S$224.30
6S$269.16
7S$314.02
8S$358.88
9S$403.74
10S$448.60

Excess None

Worked examples

We check the table against these cases before it goes live. Each one matches the insurer's own price to the cent. The working shows where each figure comes from and the sums that give the premium.

ExampleAnswersWorkingPremium
Silver: accountant (non-manual), S$100,000 (portal S$157.01 + GST = S$171.14)Accident Protect Plus Silver (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Accountant
  • Sum insured: S$100,000
  • Occupation class: Class 1
  1. Base S$171.14 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$171.14
  3. GST is included: S$171.14
S$171.14
Silver: driver (manual), S$50,000 asked (portal S$281.15)Accident Protect Plus Silver (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Driver (taxi, private hire, van, lorry)
  • Sum insured: S$50,000
  • Occupation class: Class 3
  1. Base S$281.15 (Occupation class Class 3)
  2. × 1.00 (Age Up to 65) = S$281.15
  3. GST is included: S$281.15
S$281.15
Gold: driver (manual), S$200,000 asked (portal S$660.12)Accident Protect Plus Gold (S$250,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Driver (taxi, private hire, van, lorry)
  • Sum insured: S$200,000
  • Occupation class: Class 3
  1. Base S$660.12 (Occupation class Class 3)
  2. × 1.00 (Age Up to 65) = S$660.12
  3. GST is included: S$660.12
S$660.12
Platinum: driver (manual), S$500,000 (portal S$1,222.43)Accident Protect Plus Platinum (S$500,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Driver (taxi, private hire, van, lorry)
  • Sum insured: S$500,000
  • Occupation class: Class 3
  1. Base S$1,222.43 (Occupation class Class 3)
  2. × 1.00 (Age Up to 65) = S$1,222.43
  3. GST is included: S$1,222.43
S$1,222.43
Silver: nurse is manual at Allianz (portal S$281.15; our class 2)Accident Protect Plus Silver (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Nurse (hospital or ward)
  • Sum insured: S$100,000
  • Occupation class: Class 2
  1. Base S$281.15 (Occupation class Class 3)
  2. × 1.00 (Age Up to 65) = S$281.15
  3. GST is included: S$281.15
S$281.15
Silver: chef is non-manual at Allianz (portal S$171.14; our class 3)Accident Protect Plus Silver (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Chef or cook
  • Sum insured: S$100,000
  • Occupation class: Class 3
  1. Base S$171.14 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$171.14
  3. GST is included: S$171.14
S$171.14
Show the other 14 examples
ExampleAnswersWorkingPremium
Silver: crane operator is sold online as manual (portal S$281.15; our class 4)Accident Protect Plus Silver (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Crane or heavy machinery operator
  • Sum insured: S$100,000
  • Occupation class: Class 4
  1. Base S$281.15 (Occupation class Class 3)
  2. × 1.00 (Age Up to 65) = S$281.15
  3. GST is included: S$281.15
S$281.15
Silver, me and my spouse: accountant and driver (portal S$384.46)Accident Protect Plus Silver, me and my spouse (S$100,000 each adult; 15% off the whole premium)
  • Age: 30
  • Who is covered: Two adults
  • Children: 0
  • Occupation: Accountant
  • Sum insured: S$100,000
  • Occupation class: Class 1
  • Spouse's occupation: Driver (taxi, private hire, van, lorry)
  • Spouse's occupation class: Class 3
  1. Base S$145.47 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$145.47
  3. + S$238.98 (Spouse's occupation class Class 3) = S$384.45
  4. GST is included: S$384.45
S$384.45
Silver, me and my spouse: two accountants (portal S$290.95)Accident Protect Plus Silver, me and my spouse (S$100,000 each adult; 15% off the whole premium)
  • Age: 30
  • Who is covered: Two adults
  • Children: 0
  • Occupation: Accountant
  • Sum insured: S$100,000
  • Occupation class: Class 1
  • Spouse's occupation: Accountant
  • Spouse's occupation class: Class 1
  1. Base S$145.47 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$145.47
  3. + S$145.47 (Spouse's occupation class Class 1) = S$290.94
  4. GST is included: S$290.94
S$290.94
Silver, me and 1 child: accountant (portal S$187.03)Accident Protect Plus Silver, me and my children (S$100,000; each child on the Child plan, S$48.90; 15% off the whole premium)
  • Age: 30
  • Who is covered: One adult and children
  • Children: 1
  • Occupation: Accountant
  • Sum insured: S$100,000
  • Occupation class: Class 1
  1. Base S$145.47 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$145.47
  3. + S$41.56 (Children 1) = S$187.03
  4. GST is included: S$187.03
S$187.03
Silver, me and 10 children: accountant (portal S$561.08)Accident Protect Plus Silver, me and my children (S$100,000; each child on the Child plan, S$48.90; 15% off the whole premium)
  • Age: 30
  • Who is covered: One adult and children
  • Children: 10
  • Occupation: Accountant
  • Sum insured: S$100,000
  • Occupation class: Class 1
  1. Base S$145.47 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$145.47
  3. + S$415.63 (Children 10) = S$561.10
  4. GST is included: S$561.10
S$561.10
Silver, family: two drivers and 2 children (portal S$561.09)Accident Protect Plus Silver, family (S$100,000 each adult; each child on the Child plan, S$48.90; 15% off the whole premium)
  • Age: 30
  • Who is covered: Two adults and children
  • Children: 2
  • Occupation: Driver (taxi, private hire, van, lorry)
  • Sum insured: S$100,000
  • Occupation class: Class 3
  • Spouse's occupation: Driver (taxi, private hire, van, lorry)
  • Spouse's occupation class: Class 3
  1. Base S$238.98 (Occupation class Class 3)
  2. × 1.00 (Age Up to 65) = S$238.98
  3. + S$238.98 (Spouse's occupation class Class 3) = S$477.96
  4. + S$83.13 (Children 2) = S$561.09
  5. GST is included: S$561.09
S$561.09
Silver, family: driver, accountant and 3 children (portal S$509.15)Accident Protect Plus Silver, family (S$100,000 each adult; each child on the Child plan, S$48.90; 15% off the whole premium)
  • Age: 30
  • Who is covered: Two adults and children
  • Children: 3
  • Occupation: Driver (taxi, private hire, van, lorry)
  • Sum insured: S$100,000
  • Occupation class: Class 3
  • Spouse's occupation: Accountant
  • Spouse's occupation class: Class 1
  1. Base S$238.98 (Occupation class Class 3)
  2. × 1.00 (Age Up to 65) = S$238.98
  3. + S$145.47 (Spouse's occupation class Class 1) = S$384.45
  4. + S$124.69 (Children 3) = S$509.14
  5. GST is included: S$509.14
S$509.14
Gold, me and my spouse: two accountants (portal S$644.22)Accident Protect Plus Gold, me and my spouse (S$250,000 each adult; 15% off the whole premium)
  • Age: 30
  • Who is covered: Two adults
  • Children: 0
  • Occupation: Accountant
  • Sum insured: S$200,000
  • Occupation class: Class 1
  • Spouse's occupation: Accountant
  • Spouse's occupation class: Class 1
  1. Base S$322.11 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$322.11
  3. + S$322.11 (Spouse's occupation class Class 1) = S$644.21
  4. GST is included: S$644.21
S$644.21
Gold, me and my spouse: accountant and driver (portal S$883.20)Accident Protect Plus Gold, me and my spouse (S$250,000 each adult; 15% off the whole premium)
  • Age: 30
  • Who is covered: Two adults
  • Children: 0
  • Occupation: Accountant
  • Sum insured: S$200,000
  • Occupation class: Class 1
  • Spouse's occupation: Driver (taxi, private hire, van, lorry)
  • Spouse's occupation class: Class 3
  1. Base S$322.11 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$322.11
  3. + S$561.10 (Spouse's occupation class Class 3) = S$883.20
  4. GST is included: S$883.20
S$883.20
Platinum, me and my spouse: two drivers (portal S$2,078.15)Accident Protect Plus Platinum, me and my spouse (S$500,000 each adult; 15% off the whole premium)
  • Age: 30
  • Who is covered: Two adults
  • Children: 0
  • Occupation: Driver (taxi, private hire, van, lorry)
  • Sum insured: S$500,000
  • Occupation class: Class 3
  • Spouse's occupation: Driver (taxi, private hire, van, lorry)
  • Spouse's occupation class: Class 3
  1. Base S$1,039.07 (Occupation class Class 3)
  2. × 1.00 (Age Up to 65) = S$1,039.07
  3. + S$1,039.07 (Spouse's occupation class Class 3) = S$2,078.14
  4. GST is included: S$2,078.14
S$2,078.14
Gold, family: driver, accountant and 2 children (portal S$966.33)Accident Protect Plus Gold, family (S$250,000 each adult; each child on the Child plan, S$48.90; 15% off the whole premium)
  • Age: 30
  • Who is covered: Two adults and children
  • Children: 2
  • Occupation: Driver (taxi, private hire, van, lorry)
  • Sum insured: S$200,000
  • Occupation class: Class 3
  • Spouse's occupation: Accountant
  • Spouse's occupation class: Class 1
  1. Base S$561.10 (Occupation class Class 3)
  2. × 1.00 (Age Up to 65) = S$561.10
  3. + S$322.11 (Spouse's occupation class Class 1) = S$883.20
  4. + S$83.13 (Children 2) = S$966.33
  5. GST is included: S$966.33
S$966.33
Platinum, family: two accountants and 1 child (portal S$1,246.88)Accident Protect Plus Platinum, family (S$500,000 each adult; each child on the Child plan, S$48.90; 15% off the whole premium)
  • Age: 30
  • Who is covered: Two adults and children
  • Children: 1
  • Occupation: Accountant
  • Sum insured: S$500,000
  • Occupation class: Class 1
  • Spouse's occupation: Accountant
  • Spouse's occupation class: Class 1
  1. Base S$602.66 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$602.66
  3. + S$602.66 (Spouse's occupation class Class 1) = S$1,205.32
  4. + S$41.56 (Children 1) = S$1,246.88
  5. GST is included: S$1,246.88
S$1,246.88
Silver: a full-time national serviceman is manual at Allianz (portal "National Servicemen (Others)" S$257.94 before GST, S$281.15)Accident Protect Plus Silver (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Full-time national serviceman (NSF)
  • Sum insured: S$100,000
  • Occupation class: Class 3
  1. Base S$281.15 (Occupation class Class 3)
  2. × 1.00 (Age Up to 65) = S$281.15
  3. GST is included: S$281.15
S$281.15
Silver: a physiotherapist is non-manual at Allianz (portal S$157.01 before GST, S$171.14)Accident Protect Plus Silver (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Physiotherapist or other therapist
  • Sum insured: S$100,000
  • Occupation class: Class 2
  1. Base S$171.14 (Occupation class Class 2)
  2. × 1.00 (Age Up to 65) = S$171.14
  3. GST is included: S$171.14
S$171.14

Where the figures come from

Plus 2 files of saved quotes, data and screenshots from Allianz's online quote tool, kept with the table.

Before going live the table was checked against the insurer's own online quotes, read from the published table and matched to worked examples in the insurer's brochure.

Compare personal accident quotesAllianz personal accident insurance prices todayBuy on Allianz's site

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