Personal accident insurance
How HSBC Life 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 19 Oct 2026, the day we read HSBC Life's published rates.
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 2, live since 20 Oct 2026.
Plans and how each is priced
HSBC Life Band Aid Package 1 (S$100,000), basic plan
Offered when Who is covered is One adult; Sum insured up to S$100,000; Occupation class up to Class 2
| Occupation class | Figure |
|---|---|
| Class 1 | S$94.00 |
| Class 2 | S$103.00 |
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
Excess None
The figure is an estimate when any of these are true: Occupation class Class 1 or more. From HSBC Life's Band Aid brochure (premiums correct as of 1 February 2026, one price per occupation class at any age). HSBC Life sells Band Aid through its advisers, who confirm the price when they call you back.
HSBC Life Band Aid Package 1 (S$100,000) with all 6 optional benefits
Offered when Who is covered is One adult; Sum insured up to S$100,000; Occupation class up to Class 2
| Occupation class | Figure |
|---|---|
| Class 1 | S$181.45 |
| Class 2 | S$199.15 |
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
Excess None
The figure is an estimate when any of these are true: Occupation class Class 1 or more. From HSBC Life's Band Aid brochure (premiums correct as of 1 February 2026, one price per occupation class at any age). HSBC Life sells Band Aid through its advisers, who confirm the price when they call you back.
HSBC Life Band Aid Package 1 (S$100,000), basic plan, me and my spouse (one policy each)
Offered when Who is covered is Two adults; Sum insured up to S$100,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2
Base premium One figure for each of 2 occupation classes (Class 1, Class 2), multiplied by ×0.917.
Show all 2 figures
| Occupation class | Figure |
|---|---|
| Class 1 | S$102.46 |
| Class 2 | S$112.27 |
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
Plus One figure for each of 2 occupation classes (Class 1, Class 2), multiplied by ×0.917.
Show all 2 figures
| Spouse's occupation class | Figure |
|---|---|
| Class 1 | S$102.46 |
| Class 2 | S$112.27 |
Excess None
The figure is an estimate when any of these are true: Occupation class Class 1 or more. From HSBC Life's Band Aid brochure (premiums correct as of 1 February 2026, one price per occupation class at any age). HSBC Life sells Band Aid through its advisers, who confirm the price when they call you back.
HSBC Life Band Aid Package 1 (S$100,000) with all 6 optional benefits, me and my spouse (one policy each)
Offered when Who is covered is Two adults; Sum insured up to S$100,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2
Base premium One figure for each of 2 occupation classes (Class 1, Class 2), multiplied by ×0.917.
Show all 2 figures
| Occupation class | Figure |
|---|---|
| Class 1 | S$197.78 |
| Class 2 | S$217.07 |
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
Plus One figure for each of 2 occupation classes (Class 1, Class 2), multiplied by ×0.917.
Show all 2 figures
| Spouse's occupation class | Figure |
|---|---|
| Class 1 | S$197.78 |
| Class 2 | S$217.07 |
Excess None
The figure is an estimate when any of these are true: Occupation class Class 1 or more. From HSBC Life's Band Aid brochure (premiums correct as of 1 February 2026, one price per occupation class at any age). HSBC Life sells Band Aid through its advisers, who confirm the price when they call you back.
HSBC Life Band Aid Package 2 (S$200,000), basic plan
Offered when Who is covered is One adult; Sum insured up to S$200,000; Occupation class up to Class 2
| Occupation class | Figure |
|---|---|
| Class 1 | S$188.00 |
| Class 2 | S$206.00 |
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
Excess None
The figure is an estimate when any of these are true: Occupation class Class 1 or more. From HSBC Life's Band Aid brochure (premiums correct as of 1 February 2026, one price per occupation class at any age). HSBC Life sells Band Aid through its advisers, who confirm the price when they call you back.
HSBC Life Band Aid Package 2 (S$200,000) with all 6 optional benefits
Offered when Who is covered is One adult; Sum insured up to S$200,000; Occupation class up to Class 2
| Occupation class | Figure |
|---|---|
| Class 1 | S$327.85 |
| Class 2 | S$360.05 |
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
Excess None
The figure is an estimate when any of these are true: Occupation class Class 1 or more. From HSBC Life's Band Aid brochure (premiums correct as of 1 February 2026, one price per occupation class at any age). HSBC Life sells Band Aid through its advisers, who confirm the price when they call you back.
HSBC Life Band Aid Package 2 (S$200,000), basic plan, me and my spouse (one policy each)
Offered when Who is covered is Two adults; Sum insured up to S$200,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2
Base premium One figure for each of 2 occupation classes (Class 1, Class 2), multiplied by ×0.917.
Show all 2 figures
| Occupation class | Figure |
|---|---|
| Class 1 | S$204.92 |
| Class 2 | S$224.54 |
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
Plus One figure for each of 2 occupation classes (Class 1, Class 2), multiplied by ×0.917.
Show all 2 figures
| Spouse's occupation class | Figure |
|---|---|
| Class 1 | S$204.92 |
| Class 2 | S$224.54 |
Excess None
The figure is an estimate when any of these are true: Occupation class Class 1 or more. From HSBC Life's Band Aid brochure (premiums correct as of 1 February 2026, one price per occupation class at any age). HSBC Life sells Band Aid through its advisers, who confirm the price when they call you back.
HSBC Life Band Aid Package 2 (S$200,000) with all 6 optional benefits, me and my spouse (one policy each)
Offered when Who is covered is Two adults; Sum insured up to S$200,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2
Base premium One figure for each of 2 occupation classes (Class 1, Class 2), multiplied by ×0.917.
Show all 2 figures
| Occupation class | Figure |
|---|---|
| Class 1 | S$357.36 |
| Class 2 | S$392.45 |
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
Plus One figure for each of 2 occupation classes (Class 1, Class 2), multiplied by ×0.917.
Show all 2 figures
| Spouse's occupation class | Figure |
|---|---|
| Class 1 | S$357.36 |
| Class 2 | S$392.45 |
Excess None
The figure is an estimate when any of these are true: Occupation class Class 1 or more. From HSBC Life's Band Aid brochure (premiums correct as of 1 February 2026, one price per occupation class at any age). HSBC Life sells Band Aid through its advisers, who confirm the price when they call you back.
HSBC Life Band Aid Package 3 (S$500,000), basic plan
Offered when Who is covered is One adult; Sum insured up to S$500,000; Occupation class up to Class 2
| Occupation class | Figure |
|---|---|
| Class 1 | S$470.00 |
| Class 2 | S$515.00 |
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
Excess None
The figure is an estimate when any of these are true: Occupation class Class 1 or more. From HSBC Life's Band Aid brochure (premiums correct as of 1 February 2026, one price per occupation class at any age). HSBC Life sells Band Aid through its advisers, who confirm the price when they call you back.
HSBC Life Band Aid Package 3 (S$500,000) with all 6 optional benefits
Offered when Who is covered is One adult; Sum insured up to S$500,000; Occupation class up to Class 2
| Occupation class | Figure |
|---|---|
| Class 1 | S$962.90 |
| Class 2 | S$1,057.35 |
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
Excess None
The figure is an estimate when any of these are true: Occupation class Class 1 or more. From HSBC Life's Band Aid brochure (premiums correct as of 1 February 2026, one price per occupation class at any age). HSBC Life sells Band Aid through its advisers, who confirm the price when they call you back.
HSBC Life Band Aid Package 3 (S$500,000), basic plan, me and my spouse (one policy each)
Offered when Who is covered is Two adults; Sum insured up to S$500,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2
Base premium One figure for each of 2 occupation classes (Class 1, Class 2), multiplied by ×0.917.
Show all 2 figures
| Occupation class | Figure |
|---|---|
| Class 1 | S$512.30 |
| Class 2 | S$561.35 |
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
Plus One figure for each of 2 occupation classes (Class 1, Class 2), multiplied by ×0.917.
Show all 2 figures
| Spouse's occupation class | Figure |
|---|---|
| Class 1 | S$512.30 |
| Class 2 | S$561.35 |
Excess None
The figure is an estimate when any of these are true: Occupation class Class 1 or more. From HSBC Life's Band Aid brochure (premiums correct as of 1 February 2026, one price per occupation class at any age). HSBC Life sells Band Aid through its advisers, who confirm the price when they call you back.
HSBC Life Band Aid Package 3 (S$500,000) with all 6 optional benefits, me and my spouse (one policy each)
Offered when Who is covered is Two adults; Sum insured up to S$500,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2
Base premium One figure for each of 2 occupation classes (Class 1, Class 2), multiplied by ×0.917.
Show all 2 figures
| Occupation class | Figure |
|---|---|
| Class 1 | S$1,049.56 |
| Class 2 | S$1,152.51 |
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
Plus One figure for each of 2 occupation classes (Class 1, Class 2), multiplied by ×0.917.
Show all 2 figures
| Spouse's occupation class | Figure |
|---|---|
| Class 1 | S$1,049.56 |
| Class 2 | S$1,152.51 |
Excess None
The figure is an estimate when any of these are true: Occupation class Class 1 or more. From HSBC Life's Band Aid brochure (premiums correct as of 1 February 2026, one price per occupation class at any age). HSBC Life sells Band Aid through its advisers, who confirm the price when they call you back.
HSBC Life Band Aid Package 3 (S$500,000), basic plan, me and my children (children free)
Offered when Who is covered is One adult and children; Sum insured up to S$500,000; Occupation class up to Class 2; Children up to 3
| Occupation class | Figure |
|---|---|
| Class 1 | S$470.00 |
| Class 2 | S$515.00 |
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
Excess None
The figure is an estimate when any of these are true: Occupation class Class 1 or more. From HSBC Life's Band Aid brochure (premiums correct as of 1 February 2026, one price per occupation class at any age). HSBC Life sells Band Aid through its advisers, who confirm the price when they call you back.
HSBC Life Band Aid Package 3 (S$500,000) with all 6 optional benefits, me and my children (children free)
Offered when Who is covered is One adult and children; Sum insured up to S$500,000; Occupation class up to Class 2; Children up to 3
| Occupation class | Figure |
|---|---|
| Class 1 | S$962.90 |
| Class 2 | S$1,057.35 |
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
Excess None
The figure is an estimate when any of these are true: Occupation class Class 1 or more. From HSBC Life's Band Aid brochure (premiums correct as of 1 February 2026, one price per occupation class at any age). HSBC Life sells Band Aid through its advisers, who confirm the price when they call you back.
HSBC Life Band Aid Package 3 (S$500,000), basic plan, family (one policy each adult, children free)
Offered when Who is covered is Two adults and children; Sum insured up to S$500,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2; Children up to 3
Base premium One figure for each of 2 occupation classes (Class 1, Class 2), multiplied by ×0.917.
Show all 2 figures
| Occupation class | Figure |
|---|---|
| Class 1 | S$512.30 |
| Class 2 | S$561.35 |
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
Plus One figure for each of 2 occupation classes (Class 1, Class 2), multiplied by ×0.917.
Show all 2 figures
| Spouse's occupation class | Figure |
|---|---|
| Class 1 | S$512.30 |
| Class 2 | S$561.35 |
Excess None
The figure is an estimate when any of these are true: Occupation class Class 1 or more. From HSBC Life's Band Aid brochure (premiums correct as of 1 February 2026, one price per occupation class at any age). HSBC Life sells Band Aid through its advisers, who confirm the price when they call you back.
HSBC Life Band Aid Package 3 (S$500,000) with all 6 optional benefits, family (one policy each adult, children free)
Offered when Who is covered is Two adults and children; Sum insured up to S$500,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2; Children up to 3
Base premium One figure for each of 2 occupation classes (Class 1, Class 2), multiplied by ×0.917.
Show all 2 figures
| Occupation class | Figure |
|---|---|
| Class 1 | S$1,049.56 |
| Class 2 | S$1,152.51 |
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
Plus One figure for each of 2 occupation classes (Class 1, Class 2), multiplied by ×0.917.
Show all 2 figures
| Spouse's occupation class | Figure |
|---|---|
| Class 1 | S$1,049.56 |
| Class 2 | S$1,152.51 |
Excess None
The figure is an estimate when any of these are true: Occupation class Class 1 or more. From HSBC Life's Band Aid brochure (premiums correct as of 1 February 2026, one price per occupation class at any age). HSBC Life sells Band Aid through its advisers, who confirm the price when they call you back.
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.
| Example | Answers | Working | Premium |
|---|---|---|---|
| Package 1 basic, class 1, S$50,000 asked (brochure S$102.46 with GST)HSBC Life Band Aid Package 1 (S$100,000), basic plan |
|
| S$102.46 |
| Package 2 basic, class 2, S$200,000 (brochure S$224.54 with GST)HSBC Life Band Aid Package 2 (S$200,000), basic plan |
|
| S$224.54 |
| Package 1 with all 6 optional benefits, class 2, S$100,000 (brochure S$112.27 + S$104.80 = S$217.07 with GST)HSBC Life Band Aid Package 1 (S$100,000) with all 6 optional benefits |
|
| S$217.07 |
| Package 3 with all 6 optional benefits, class 1, S$500,000 (brochure S$512.30 + S$537.26 = S$1,049.56 with GST)HSBC Life Band Aid Package 3 (S$500,000) with all 6 optional benefits |
|
| S$1,049.56 |
| Package 3 basic, class 1 parent with 3 children, children free (brochure S$512.30 with GST)HSBC Life Band Aid Package 3 (S$500,000), basic plan, me and my children (children free) |
|
| S$512.30 |
| Package 1 basic, me (class 1) and my spouse (class 2), one policy each (brochure S$102.46 + S$112.27 = S$214.73 with GST)HSBC Life Band Aid Package 1 (S$100,000), basic plan, me and my spouse (one policy each) |
|
| S$214.73 |
Show the other 3 examples
| Example | Answers | Working | Premium |
|---|---|---|---|
| Package 2 with all 6 optional benefits, me and my spouse both class 1, one policy each (brochure 2 x (S$204.92 + S$152.44) = S$714.72 with GST)HSBC Life Band Aid Package 2 (S$200,000) with all 6 optional benefits, me and my spouse (one policy each) |
|
| S$714.72 |
| Package 3 basic, family: class 2 and class 1 with 3 children free, one policy each adult (brochure S$561.35 + S$512.30 = S$1,073.65 with GST)HSBC Life Band Aid Package 3 (S$500,000), basic plan, family (one policy each adult, children free) |
|
| S$1,073.65 |
| Package 3 with all 6 optional benefits, family both class 2 with 1 child free (brochure 2 x (S$561.35 + S$591.16) = S$2,305.02 with GST)HSBC Life Band Aid Package 3 (S$500,000) with all 6 optional benefits, family (one policy each adult, children free) |
|
| S$2,305.02 |
Where the figures come from
- HSBC Life Band Aid product page (eligibility, packages, optional benefits) read 5 Oct 2026
- HSBC Life Band Aid brochure (information correct as 1 February 2026), packages and annual premiums read 5 Oct 2026
- HSBC Life forms and documents page (no Band Aid general provisions listed) read 5 Oct 2026
Before going live the table was read from the published table.
Your own premium depends on your answers. You finish buying on the insurer's own site, where you pay and they issue the policy.
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