Shenton Brokers
Log in
← Singlife
Singlife

Personal accident insurance

How Singlife prices personal accident insurance

Priced online

What the figures include

The table's figures are before GST. We add 9% GST to each price.

Prices from this table are as at 5 Oct 2026, the day we read Singlife's published rates.

The insurer places some jobs in a different occupation class from ours, and prices them in its own: Dentist class 1; Doctor class 1; Sales executive (travels for work) class 1; Chauffeur or private driver class 3; Fitness or gym instructor class 3. It does not cover these jobs online: Aircraft ground crew or technician; Army, navy or air force (regular); Flight attendant; Full-time national serviceman (NSF); Police officer; Police, SAF or civil defence (office or admin work only).

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 8, live since 20 Oct 2026.

Plans and how each is priced

Personal Accident Lite (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 1S$261.68
Class 2S$300.94
Class 3S$523.36
Multiplied by
AgeFigure
Up to 70×1.00

Excess None

Personal Accident Standard (S$200,000)

Offered when Who is covered is One adult; Sum insured up to S$200,000; Occupation class up to Class 3

Base premium
Occupation classFigure
Class 1S$388.60
Class 2S$446.88
Class 3S$706.54
Multiplied by
AgeFigure
Up to 70×1.00

Excess None

Personal Accident Plus (S$300,000)

Offered when Who is covered is One adult; Sum insured up to S$300,000; Occupation class up to Class 3

Base premium
Occupation classFigure
Class 1S$584.68
Class 2S$672.38
Class 3S$1,016.82
Multiplied by
AgeFigure
Up to 70×1.00

Excess None

Personal Accident Lite, me and my children (S$100,000)

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

Base premium
Occupation classFigure
Class 1S$261.68
Class 2S$300.94
Class 3S$523.36
Multiplied by
AgeFigure
Up to 70×1.00

Excess None

Personal Accident Lite, me and my spouse (S$100,000 each adult)

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
Occupation classby Spouse's occupation classUp to 123
Class 1S$471.04S$506.36S$706.54
Class 2S$506.36S$541.70S$741.88
Class 3S$706.54S$741.88S$942.04
Multiplied by
AgeFigure
Up to 70×1.00

Excess None

Personal Accident Lite, family (S$100,000 each adult)

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

Base premium
Occupation classby Spouse's occupation classUp to 123
Class 1S$471.04S$506.36S$706.54
Class 2S$506.36S$541.70S$741.88
Class 3S$706.54S$741.88S$942.04
Multiplied by
AgeFigure
Up to 70×1.00

Excess None

Personal Accident Standard, me and my children (S$200,000)

Offered when Who is covered is One adult and children; Sum insured up to S$200,000; Occupation class up to Class 3

Base premium
Occupation classFigure
Class 1S$388.60
Class 2S$446.88
Class 3S$706.54
Multiplied by
AgeFigure
Up to 70×1.00

Excess None

Personal Accident Standard, me and my spouse (S$200,000 each adult)

Offered when Who is covered is Two adults; Sum insured up to S$200,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3

Base premium
Occupation classby Spouse's occupation classUp to 123
Class 1S$699.50S$751.94S$985.62
Class 2S$751.94S$804.38S$1,038.08
Class 3S$985.62S$1,038.08S$1,271.76
Multiplied by
AgeFigure
Up to 70×1.00

Excess None

Personal Accident Standard, family (S$200,000 each adult)

Offered when Who is covered is Two adults and children; Sum insured up to S$200,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3

Base premium
Occupation classby Spouse's occupation classUp to 123
Class 1S$699.50S$751.94S$985.62
Class 2S$751.94S$804.38S$1,038.08
Class 3S$985.62S$1,038.08S$1,271.76
Multiplied by
AgeFigure
Up to 70×1.00

Excess None

Personal Accident Plus, me and my children (S$300,000)

Offered when Who is covered is One adult and children; Sum insured up to S$300,000; Occupation class up to Class 3

Base premium
Occupation classFigure
Class 1S$584.68
Class 2S$672.38
Class 3S$1,016.82
Multiplied by
AgeFigure
Up to 70×1.00

Excess None

Personal Accident Plus, me and my spouse (S$300,000 each adult)

Offered when Who is covered is Two adults; Sum insured up to S$300,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3

Base premium
Occupation classby Spouse's occupation classUp to 123
Class 1S$1,052.42S$1,131.36S$1,441.36
Class 2S$1,131.36S$1,210.30S$1,520.30
Class 3S$1,441.36S$1,520.30S$1,830.30
Multiplied by
AgeFigure
Up to 70×1.00

Excess None

Personal Accident Plus, family (S$300,000 each adult)

Offered when Who is covered is Two adults and children; Sum insured up to S$300,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3

Base premium
Occupation classby Spouse's occupation classUp to 123
Class 1S$1,052.42S$1,131.36S$1,441.36
Class 2S$1,131.36S$1,210.30S$1,520.30
Class 3S$1,441.36S$1,520.30S$1,830.30
Multiplied by
AgeFigure
Up to 70×1.00

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
Lite: class 1, age 30, S$100,000 askedPersonal Accident Lite (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Sum insured: S$100,000
  • Occupation class: Class 1
  1. Base S$261.68 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$261.68
  3. + 9% GST = S$285.23
S$285.23
Lite: class 2, age 45, S$100,000 asked, motorcyclePersonal Accident Lite (S$100,000)
  • Age: 45
  • Who is covered: One adult
  • Sum insured: S$100,000
  • Occupation class: Class 2
  1. Base S$300.94 (Occupation class Class 2)
  2. × 1.00 (Age Up to 70) = S$300.94
  3. + 9% GST = S$328.02
S$328.02
Lite: class 3, age 70, S$100,000 askedPersonal Accident Lite (S$100,000)
  • Age: 70
  • Who is covered: One adult
  • Sum insured: S$100,000
  • Occupation class: Class 3
  1. Base S$523.36 (Occupation class Class 3)
  2. × 1.00 (Age Up to 70) = S$523.36
  3. + 9% GST = S$570.46
S$570.46
Lite: class 1, age 55, S$100,000 asked, sportsPersonal Accident Lite (S$100,000)
  • Age: 55
  • Who is covered: One adult
  • Sum insured: S$100,000
  • Occupation class: Class 1
  1. Base S$261.68 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$261.68
  3. + 9% GST = S$285.23
S$285.23
Standard: class 1, age 30, S$100,000 askedPersonal Accident Standard (S$200,000)
  • Age: 30
  • Who is covered: One adult
  • Sum insured: S$100,000
  • Occupation class: Class 1
  1. Base S$388.60 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$388.60
  3. + 9% GST = S$423.57
S$423.57
Standard: class 2, age 45, S$200,000 asked, motorcyclePersonal Accident Standard (S$200,000)
  • Age: 45
  • Who is covered: One adult
  • Sum insured: S$200,000
  • Occupation class: Class 2
  1. Base S$446.88 (Occupation class Class 2)
  2. × 1.00 (Age Up to 70) = S$446.88
  3. + 9% GST = S$487.10
S$487.10
Show the other 25 examples
ExampleAnswersWorkingPremium
Standard: class 3, age 70, S$200,000 askedPersonal Accident Standard (S$200,000)
  • Age: 70
  • Who is covered: One adult
  • Sum insured: S$200,000
  • Occupation class: Class 3
  1. Base S$706.54 (Occupation class Class 3)
  2. × 1.00 (Age Up to 70) = S$706.54
  3. + 9% GST = S$770.13
S$770.13
Standard: class 1, age 55, S$200,000 asked, sportsPersonal Accident Standard (S$200,000)
  • Age: 55
  • Who is covered: One adult
  • Sum insured: S$200,000
  • Occupation class: Class 1
  1. Base S$388.60 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$388.60
  3. + 9% GST = S$423.57
S$423.57
Plus: class 1, age 30, S$100,000 askedPersonal Accident Plus (S$300,000)
  • Age: 30
  • Who is covered: One adult
  • Sum insured: S$100,000
  • Occupation class: Class 1
  1. Base S$584.68 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$584.68
  3. + 9% GST = S$637.30
S$637.30
Plus: class 2, age 45, S$200,000 asked, motorcyclePersonal Accident Plus (S$300,000)
  • Age: 45
  • Who is covered: One adult
  • Sum insured: S$200,000
  • Occupation class: Class 2
  1. Base S$672.38 (Occupation class Class 2)
  2. × 1.00 (Age Up to 70) = S$672.38
  3. + 9% GST = S$732.89
S$732.89
Plus: class 3, age 70, S$300,000 askedPersonal Accident Plus (S$300,000)
  • Age: 70
  • Who is covered: One adult
  • Sum insured: S$300,000
  • Occupation class: Class 3
  1. Base S$1,016.82 (Occupation class Class 3)
  2. × 1.00 (Age Up to 70) = S$1,016.82
  3. + 9% GST = S$1,108.33
S$1,108.33
Plus: class 1, age 55, S$200,000 asked, sportsPersonal Accident Plus (S$300,000)
  • Age: 55
  • Who is covered: One adult
  • Sum insured: S$200,000
  • Occupation class: Class 1
  1. Base S$584.68 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$584.68
  3. + 9% GST = S$637.30
S$637.30
Lite, me and my children: class 1, 2 children, S$100,000 askedPersonal Accident Lite, me and my children (S$100,000)
  • Age: 30
  • Who is covered: One adult and children
  • Sum insured: S$100,000
  • Occupation class: Class 1
  1. Base S$261.68 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$261.68
  3. + 9% GST = S$285.23
S$285.23
Lite, me and my spouse: class 1 and class 1, S$100,000 askedPersonal Accident Lite, me and my spouse (S$100,000 each adult)
  • Age: 30
  • Who is covered: Two adults
  • Sum insured: S$100,000
  • Occupation class: Class 1
  • Spouse's occupation class: Class 1
  1. Base S$471.04 (Occupation class Class 1, Spouse's occupation class Up to 1)
  2. × 1.00 (Age Up to 70) = S$471.04
  3. + 9% GST = S$513.43
S$513.43
Lite, me and my spouse: class 2 and class 3, S$100,000 askedPersonal Accident Lite, me and my spouse (S$100,000 each adult)
  • Age: 30
  • Who is covered: Two adults
  • Sum insured: S$100,000
  • Occupation class: Class 2
  • Spouse's occupation class: Class 3
  1. Base S$741.88 (Occupation class Class 2, Spouse's occupation class 3)
  2. × 1.00 (Age Up to 70) = S$741.88
  3. + 9% GST = S$808.65
S$808.65
Lite, family: class 1 and class 2, 1 child, S$100,000 askedPersonal Accident Lite, family (S$100,000 each adult)
  • Age: 30
  • Who is covered: Two adults and children
  • Sum insured: S$100,000
  • Occupation class: Class 1
  • Spouse's occupation class: Class 2
  1. Base S$506.36 (Occupation class Class 1, Spouse's occupation class 2)
  2. × 1.00 (Age Up to 70) = S$506.36
  3. + 9% GST = S$551.93
S$551.93
Standard, me and my children: class 1, 2 children, S$100,000 askedPersonal Accident Standard, me and my children (S$200,000)
  • Age: 30
  • Who is covered: One adult and children
  • Sum insured: S$100,000
  • Occupation class: Class 1
  1. Base S$388.60 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$388.60
  3. + 9% GST = S$423.57
S$423.57
Standard, me and my spouse: class 1 and class 1, S$100,000 askedPersonal Accident Standard, me and my spouse (S$200,000 each adult)
  • Age: 30
  • Who is covered: Two adults
  • Sum insured: S$100,000
  • Occupation class: Class 1
  • Spouse's occupation class: Class 1
  1. Base S$699.50 (Occupation class Class 1, Spouse's occupation class Up to 1)
  2. × 1.00 (Age Up to 70) = S$699.50
  3. + 9% GST = S$762.46
S$762.46
Standard, me and my spouse: class 2 and class 3, S$200,000 askedPersonal Accident Standard, me and my spouse (S$200,000 each adult)
  • Age: 30
  • Who is covered: Two adults
  • Sum insured: S$200,000
  • Occupation class: Class 2
  • Spouse's occupation class: Class 3
  1. Base S$1,038.08 (Occupation class Class 2, Spouse's occupation class 3)
  2. × 1.00 (Age Up to 70) = S$1,038.08
  3. + 9% GST = S$1,131.51
S$1,131.51
Standard, family: class 1 and class 2, 1 child, S$100,000 askedPersonal Accident Standard, family (S$200,000 each adult)
  • Age: 30
  • Who is covered: Two adults and children
  • Sum insured: S$100,000
  • Occupation class: Class 1
  • Spouse's occupation class: Class 2
  1. Base S$751.94 (Occupation class Class 1, Spouse's occupation class 2)
  2. × 1.00 (Age Up to 70) = S$751.94
  3. + 9% GST = S$819.61
S$819.61
Plus, me and my children: class 1, 2 children, S$100,000 askedPersonal Accident Plus, me and my children (S$300,000)
  • Age: 30
  • Who is covered: One adult and children
  • Sum insured: S$100,000
  • Occupation class: Class 1
  1. Base S$584.68 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$584.68
  3. + 9% GST = S$637.30
S$637.30
Plus, me and my spouse: class 1 and class 1, S$100,000 askedPersonal Accident Plus, me and my spouse (S$300,000 each adult)
  • Age: 30
  • Who is covered: Two adults
  • Sum insured: S$100,000
  • Occupation class: Class 1
  • Spouse's occupation class: Class 1
  1. Base S$1,052.42 (Occupation class Class 1, Spouse's occupation class Up to 1)
  2. × 1.00 (Age Up to 70) = S$1,052.42
  3. + 9% GST = S$1,147.14
S$1,147.14
Plus, me and my spouse: class 2 and class 3, S$300,000 askedPersonal Accident Plus, me and my spouse (S$300,000 each adult)
  • Age: 30
  • Who is covered: Two adults
  • Sum insured: S$300,000
  • Occupation class: Class 2
  • Spouse's occupation class: Class 3
  1. Base S$1,520.30 (Occupation class Class 2, Spouse's occupation class 3)
  2. × 1.00 (Age Up to 70) = S$1,520.30
  3. + 9% GST = S$1,657.13
S$1,657.13
Plus, family: class 1 and class 2, 1 child, S$100,000 askedPersonal Accident Plus, family (S$300,000 each adult)
  • Age: 30
  • Who is covered: Two adults and children
  • Sum insured: S$100,000
  • Occupation class: Class 1
  • Spouse's occupation class: Class 2
  1. Base S$1,131.36 (Occupation class Class 1, Spouse's occupation class 2)
  2. × 1.00 (Age Up to 70) = S$1,131.36
  3. + 9% GST = S$1,233.18
S$1,233.18
Lite, a doctor (Singlife class 1, ours 2), S$100,000 askedPersonal Accident Lite (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Occupation: Doctor
  • Sum insured: S$100,000
  • Occupation class: Class 2
  1. Base S$261.68 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$261.68
  3. + 9% GST = S$285.23
S$285.23
Standard, a fitness instructor (Singlife class 3, ours 2), S$200,000 askedPersonal Accident Standard (S$200,000)
  • Age: 30
  • Who is covered: One adult
  • Occupation: Fitness or gym instructor
  • Sum insured: S$200,000
  • Occupation class: Class 2
  1. Base S$706.54 (Occupation class Class 3)
  2. × 1.00 (Age Up to 70) = S$706.54
  3. + 9% GST = S$770.13
S$770.13
Plus, a sales executive who travels for work (Singlife class 1, ours 2), S$50,000 askedPersonal Accident Plus (S$300,000)
  • Age: 30
  • Who is covered: One adult
  • Occupation: Sales executive (travels for work)
  • Sum insured: S$50,000
  • Occupation class: Class 2
  1. Base S$584.68 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$584.68
  3. + 9% GST = S$637.30
S$637.30
Lite, me and my spouse: a doctor (Singlife class 1) and a chef, S$100,000 askedPersonal Accident Lite, me and my spouse (S$100,000 each adult)
  • Age: 30
  • Who is covered: Two adults
  • Occupation: Doctor
  • Sum insured: S$100,000
  • Occupation class: Class 2
  • Spouse's occupation: Chef or cook
  • Spouse's occupation class: Class 3
  1. Base S$706.54 (Occupation class Class 1, Spouse's occupation class 3)
  2. × 1.00 (Age Up to 70) = S$706.54
  3. + 9% GST = S$770.13
S$770.13
Standard, family: an accountant and a fitness instructor (Singlife class 3), 2 children, S$100,000 askedPersonal Accident Standard, family (S$200,000 each adult)
  • Age: 30
  • Who is covered: Two adults and children
  • Occupation: Accountant
  • Sum insured: S$100,000
  • Occupation class: Class 1
  • Spouse's occupation: Fitness or gym instructor
  • Spouse's occupation class: Class 2
  1. Base S$985.62 (Occupation class Class 1, Spouse's occupation class 3)
  2. × 1.00 (Age Up to 70) = S$985.62
  3. + 9% GST = S$1,074.33
S$1,074.33
Lite, a dentist (Singlife class 1, ours 2), S$100,000 askedPersonal Accident Lite (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Occupation: Dentist
  • Sum insured: S$100,000
  • Occupation class: Class 2
  1. Base S$261.68 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$261.68
  3. + 9% GST = S$285.23
S$285.23
Standard, a chauffeur (Singlife class 3: its example Driver; ours 2), S$200,000 askedPersonal Accident Standard (S$200,000)
  • Age: 30
  • Who is covered: One adult
  • Occupation: Chauffeur or private driver
  • Sum insured: S$200,000
  • Occupation class: Class 2
  1. Base S$706.54 (Occupation class Class 3)
  2. × 1.00 (Age Up to 70) = S$706.54
  3. + 9% GST = S$770.13
S$770.13

Where the figures come from

Plus 3 files of saved quotes, data and screenshots from Singlife's online quote tool, kept with the table.

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

Compare personal accident quotesSinglife personal accident insurance prices todayBuy on Singlife's site

Your own premium depends on your answers. You finish buying on the insurer's own site, where you pay and they issue the policy.

Compare Singlife with another insurer