Personal accident insurance
How Chubb 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 20 Oct 2026, the day we last checked them against Chubb's own online quotes.
It does not cover these jobs online: Army, navy or air force (regular); Firefighter or civil defence officer; 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 2, live since 20 Oct 2026.
Plans and how each is priced
DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)
Offered when Who is covered is One adult; Sum insured up to S$100,000; Age up to 50; Occupation class up to 8
Base premium S$251.94
Excess None
DBS MultiGen Protect Classic, me and my spouse (S$100,000 each adult; 10% multi-member discount)
Offered when Who is covered is Two adults; Sum insured up to S$100,000; Age up to 50; Occupation class up to 8; Spouse's occupation class up to 8
Base premium S$453.49
Excess None
DBS MultiGen Protect Classic, me and my children (S$100,000; each child S$60,000 disability; 10-20% multi-member discount)
Offered when Who is covered is One adult and children; Sum insured up to S$100,000; Children up to 4; Age up to 50; Occupation class up to 8
| Children | Figure |
|---|---|
| 1 | S$374.28 |
| 2 | S$492.83 |
| 3 | S$632.17 |
| 4 | S$726.13 |
Excess None
DBS MultiGen Protect Classic, family (S$100,000 each adult; each child S$60,000 disability; 15-20% multi-member discount)
Offered when Who is covered is Two adults and children; Sum insured up to S$100,000; Children up to 4; Age up to 50; Occupation class up to 8; Spouse's occupation class up to 8
| Children | Figure |
|---|---|
| 1 | S$567.64 |
| 2 | S$706.98 |
| 3 | S$796.54 |
| 4 | S$927.68 |
Excess None
DBS MultiGen Protect Classic, children only (S$60,000 disability each child; 10-15% multi-member discount from two children)
Offered when Who is covered is Children only; Children up to 4
| Children | Figure |
|---|---|
| 1 | S$163.93 |
| 2 | S$295.07 |
| 3 | S$418.02 |
| 4 | S$557.35 |
Excess None
DBS MultiGen Protect Premier (S$150,000; underwritten by Chubb)
Offered when Who is covered is One adult; Sum insured up to S$150,000; Age up to 50; Occupation class up to 8
Base premium S$361.96
Excess None
DBS MultiGen Protect Premier, me and my spouse (S$150,000 each adult; 10% multi-member discount)
Offered when Who is covered is Two adults; Sum insured up to S$150,000; Age up to 50; Occupation class up to 8; Spouse's occupation class up to 8
Base premium S$651.53
Excess None
DBS MultiGen Protect Premier, me and my children (S$150,000; each child S$80,000 disability; 10-20% multi-member discount)
Offered when Who is covered is One adult and children; Sum insured up to S$150,000; Children up to 4; Age up to 50; Occupation class up to 8
| Children | Figure |
|---|---|
| 1 | S$522.81 |
| 2 | S$679.87 |
| 3 | S$865.96 |
| 4 | S$990.17 |
Excess None
DBS MultiGen Protect Premier, family (S$150,000 each adult; each child S$80,000 disability; 15-20% multi-member discount)
Offered when Who is covered is Two adults and children; Sum insured up to S$150,000; Children up to 4; Age up to 50; Occupation class up to 8; Spouse's occupation class up to 8
| Children | Figure |
|---|---|
| 1 | S$801.43 |
| 2 | S$987.53 |
| 3 | S$1,104.58 |
| 4 | S$1,279.74 |
Excess None
DBS MultiGen Protect Premier, children only (S$80,000 disability each child; 10-15% multi-member discount from two children)
Offered when Who is covered is Children only; Children up to 4
| Children | Figure |
|---|---|
| 1 | S$218.94 |
| 2 | S$394.09 |
| 3 | S$558.29 |
| 4 | S$744.38 |
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.
| Example | Answers | Working | Premium |
|---|---|---|---|
| Classic, me, accountant, S$50,000 askedDBS MultiGen Protect Classic (S$100,000; underwritten by Chubb) |
|
| S$251.94 |
| Premier, me, accountant, S$100,000 askedDBS MultiGen Protect Premier (S$150,000; underwritten by Chubb) |
|
| S$361.96 |
| Classic, me, welder, S$100,000 askedDBS MultiGen Protect Classic (S$100,000; underwritten by Chubb) |
|
| S$251.94 |
| Premier, me, lifeguard, S$50,000 askedDBS MultiGen Protect Premier (S$150,000; underwritten by Chubb) |
|
| S$361.96 |
| Classic, me and my spouse, accountant, S$50,000 askedDBS MultiGen Protect Classic, me and my spouse (S$100,000 each adult; 10% multi-member discount) |
|
| S$453.49 |
| Premier, me and my spouse, accountant, S$100,000 askedDBS MultiGen Protect Premier, me and my spouse (S$150,000 each adult; 10% multi-member discount) |
|
| S$651.53 |
Show the other 6 examples
| Example | Answers | Working | Premium |
|---|---|---|---|
| Classic, me and my children + 1 child, accountant, S$50,000 askedDBS MultiGen Protect Classic, me and my children (S$100,000; each child S$60,000 disability; 10-20% multi-member discount) |
|
| S$374.28 |
| Premier, me and my children + 4 children, accountant, S$50,000 askedDBS MultiGen Protect Premier, me and my children (S$150,000; each child S$80,000 disability; 10-20% multi-member discount) |
|
| S$990.17 |
| Classic, family + 2 children, accountant, S$50,000 askedDBS MultiGen Protect Classic, family (S$100,000 each adult; each child S$60,000 disability; 15-20% multi-member discount) |
|
| S$706.98 |
| Premier, family + 3 children, accountant, S$100,000 askedDBS MultiGen Protect Premier, family (S$150,000 each adult; each child S$80,000 disability; 15-20% multi-member discount) |
|
| S$1,104.58 |
| Classic, children only (1)DBS MultiGen Protect Classic, children only (S$60,000 disability each child; 10-15% multi-member discount from two children) |
|
| S$163.93 |
| Premier, children only (3)DBS MultiGen Protect Premier, children only (S$80,000 disability each child; 10-15% multi-member discount from two children) |
|
| S$558.29 |
Where the figures come from
- Chubb Personal Accident Insurance page (Chubb PAL Protect II) read 5 Oct 2026
- Chubb PAL Protect factsheet and enrolment form (published 09/2020, 7% GST), superseded, not encoded read 5 Oct 2026
- DBS Easy Protect page (underwritten by Chubb) as captured on 5 Oct 2026; gone by 19 Oct 2026 (the URL serves DBS's "404" page), replaced on DBS's Accident page by MultiGen Protect read 5 Oct 2026
- DBS Prime Protect page (underwritten by Chubb) as captured on 5 Oct 2026; gone by 19 Oct 2026 (the URL serves DBS's "404" page), replaced on DBS's Accident page by MultiGen Protect read 5 Oct 2026
- The Easy Protect URL on 19 Oct 2026: DBS's "404 | DBS Personal Banking" page (the Prime Protect URL serves the same bytes) read 19 Oct 2026
- DBS Insurance / Accident page, rendered 19 Oct 2026: its one personal accident plan is MultiGen Protect (underwritten by Chubb) read 19 Oct 2026
- DBS MultiGen Protect page (underwritten by Chubb), rendered 19 Oct 2026: Classic / Premier benefits for adults 18-50, seniors 51-70 and children; no premium table read 19 Oct 2026
- MultiGen Protect policy wording (Chubb, published 09/2019) read 19 Oct 2026
- Chubb MultiGen Protect online quote page (DBS's Apply now link), rendered 19 Oct 2026: counts of adults, seniors and children, "total premium starts from SGD 13.66 per month", up to 20% off for more members; sampled 2026-10-20 through its price call read 19 Oct 2026
Plus 7 files of saved quotes, data and screenshots from Chubb's online quote tool, kept with the table.
Before going live the table was checked against the insurer's own online quotes and matched to worked examples in the insurer's brochure.
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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