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Personal accident insurance

How EQ Insurance 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 5 Oct 2026, the day we read EQ Insurance'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; Security officer (unarmed) class 2; Student class 2; Butcher class 3; Chauffeur or private driver class 3; Veterinarian 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 7, live since 20 Oct 2026.

Plans and how each is priced

EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000)

Offered when Who is covered is One adult; Occupation class up to Class 2

Base premium
Occupation classby Sum insured	Up to S$50,000	S$50,001 to S$100,000	S$100,001 to S$200,000	S$200,001 to S$500,000
Class 1	S$43.60	S$87.20	S$174.40	S$436.00
Class 2	S$54.50	S$109.00	S$218.00	S$545.00

Multiplied by
Age	Figure
Up to 65	×1.00

Minimum premium S$109.00 · Excess None

EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$200,000)

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

Base premium
Occupation classby Sum insured	Up to S$50,000	S$50,001 to S$100,000	S$100,001 to S$200,000
Class 3	S$98.10	S$196.20	S$392.40

Multiplied by
Age	Figure
Up to 65	×1.00

Minimum premium S$109.00 · Excess None

EQ Personal Accident with medical expenses (S$50,000)

Offered when Who is covered is One adult; Occupation class up to Class 3; Sum insured up to S$50,000

Base premium
Occupation classby Sum insured	Up to S$50,000
Class 1	S$43.60
Class 2	S$54.50
Class 3	S$98.10

Multiplied by
Age	Figure
Up to 65	×1.00

Plus
Occupation class	Figure
Class 1	S$22.24
Class 2	S$27.03
Class 3	S$35.97

Minimum premium S$109.00 · Excess None

EQ Personal Accident with medical expenses (S$100,000)

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

Base premium
Occupation classby Sum insured	Up to S$100,000
Class 1	S$87.20
Class 2	S$109.00
Class 3	S$196.20

Multiplied by
Age	Figure
Up to 65	×1.00

Plus
Occupation class	Figure
Class 1	S$41.86
Class 2	S$53.19
Class 3	S$69.76

Minimum premium S$109.00 · Excess None

EQ Personal Accident with medical expenses (the sum you choose, S$200,000 or S$500,000)

Offered when Who is covered is One adult; Occupation class up to Class 2; Sum insured S$200,000 or more

Base premium
Occupation classby Sum insured	Up to S$200,000	S$200,001 to S$500,000
Class 1	S$174.40	S$436.00
Class 2	S$218.00	S$545.00

Multiplied by
Age	Figure
Up to 65	×1.00

Plus
Occupation class	Figure
Class 1	S$78.92
Class 2	S$95.70

Minimum premium S$109.00 · Excess None

EQ Personal Accident with medical expenses (S$200,000)

Offered when Who is covered is One adult; Occupation class is Class 3; Sum insured S$200,000 or more; Sum insured up to S$250,000

Base premium
Occupation classby Sum insured	Up to S$200,000
Class 3	S$392.40

Multiplied by
Age	Figure
Up to 65	×1.00

Plus
Occupation class	Figure
Class 3	S$122.08

Minimum premium S$109.00 · Excess None

EQ Personal Accident with medical expenses and income (S$50,000)

Offered when Who is covered is One adult; Occupation class up to Class 3; Sum insured up to S$50,000

Base premium
Occupation classby Sum insured	Up to S$50,000
Class 1	S$43.60
Class 2	S$54.50
Class 3	S$98.10

Multiplied by
Age	Figure
Up to 65	×1.00

Plus
Occupation class	Figure
Class 1	S$64.75
Class 2	S$74.99
Class 3	S$100.28

Minimum premium S$109.00 · Excess None

EQ Personal Accident with medical expenses and income (S$100,000)

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

Base premium
Occupation classby Sum insured	Up to S$100,000
Class 1	S$87.20
Class 2	S$109.00
Class 3	S$196.20

Multiplied by
Age	Figure
Up to 65	×1.00

Plus
Occupation class	Figure
Class 1	S$84.37
Class 2	S$101.15
Class 3	S$134.07

Minimum premium S$109.00 · Excess None

EQ Personal Accident with medical expenses and income (the sum you choose, S$200,000 or S$500,000)

Offered when Who is covered is One adult; Occupation class up to Class 2; Sum insured S$200,000 or more

Base premium
Occupation classby Sum insured	Up to S$200,000	S$200,001 to S$500,000
Class 1	S$174.40	S$436.00
Class 2	S$218.00	S$545.00

Multiplied by
Age	Figure
Up to 65	×1.00

Plus
Occupation class	Figure
Class 1	S$121.43
Class 2	S$143.66

Minimum premium S$109.00 · Excess None

EQ Personal Accident with medical expenses and income (S$200,000)

Offered when Who is covered is One adult; Occupation class is Class 3; Sum insured S$200,000 or more; Sum insured up to S$250,000

Base premium
Occupation classby Sum insured	Up to S$200,000
Class 3	S$392.40

Multiplied by
Age	Figure
Up to 65	×1.00

Plus
Occupation class	Figure
Class 3	S$186.39

Minimum premium S$109.00 · Excess None

EQ Personal Accident, death and permanent disablement (S$50,000 each), me and my spouse (one policy each)

Offered when Who is covered is Two adults; Sum insured up to S$50,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1 to Class 3	S$109.00

Multiplied by
Age	Figure
Up to 65	×1.00

Plus
Spouse's occupation class	Figure
Class 1 to Class 3	S$109.00

Excess None

EQ Personal Accident, death and permanent disablement (S$100,000 each), me and my spouse (one policy each)

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

Base premium
Occupation class	Figure
Class 1 to Class 2	S$109.00
Class 3	S$196.20

Multiplied by
Age	Figure
Up to 65	×1.00

Plus
Spouse's occupation class	Figure
Class 1 to Class 2	S$109.00
Class 3	S$196.20

Excess None

EQ Personal Accident, death and permanent disablement (S$200,000 each), me and my spouse (one policy each)

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

Base premium
Occupation class	Figure
Class 1	S$174.40
Class 2	S$218.00
Class 3	S$392.40

Multiplied by
Age	Figure
Up to 65	×1.00

Plus
Spouse's occupation class	Figure
Class 1	S$174.40
Class 2	S$218.00
Class 3	S$392.40

Excess None

EQ Personal Accident, death and permanent disablement (S$500,000 each), me and my spouse (one policy each)

Offered when Who is covered is Two adults; Sum insured S$500,000 or more; Occupation class up to Class 2; Spouse's occupation class up to Class 2

Base premium
Occupation class	Figure
Class 1	S$436.00
Class 2	S$545.00

Multiplied by
Age	Figure
Up to 65	×1.00

Plus
Spouse's occupation class	Figure
Class 1	S$436.00
Class 2	S$545.00

Excess None

EQ Personal Accident with medical expenses (S$50,000 each), me and my spouse (one policy each)

Offered when Who is covered is Two adults; Sum insured up to S$50,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1 to Class 2	S$109.00
Class 3	S$134.07

Multiplied by
Age	Figure
Up to 65	×1.00

Plus
Spouse's occupation class	Figure
Class 1 to Class 2	S$109.00
Class 3	S$134.07

Excess None

EQ Personal Accident with medical expenses (S$100,000 each), me and my spouse (one policy each)

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

Base premium
Occupation class	Figure
Class 1	S$129.06
Class 2	S$162.19
Class 3	S$265.96

Multiplied by
Age	Figure
Up to 65	×1.00

Plus
Spouse's occupation class	Figure
Class 1	S$129.06
Class 2	S$162.19
Class 3	S$265.96

Excess None

EQ Personal Accident with medical expenses (S$200,000 each), me and my spouse (one policy each)

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

Base premium
Occupation class	Figure
Class 1	S$253.32
Class 2	S$313.70
Class 3	S$514.48

Multiplied by
Age	Figure
Up to 65	×1.00

Plus
Spouse's occupation class	Figure
Class 1	S$253.32
Class 2	S$313.70
Class 3	S$514.48

Excess None

EQ Personal Accident with medical expenses (S$500,000 each), me and my spouse (one policy each)

Offered when Who is covered is Two adults; Sum insured S$500,000 or more; Occupation class up to Class 2; Spouse's occupation class up to Class 2

Base premium
Occupation class	Figure
Class 1	S$514.92
Class 2	S$640.70

Multiplied by
Age	Figure
Up to 65	×1.00

Plus
Spouse's occupation class	Figure
Class 1	S$514.92
Class 2	S$640.70

Excess None

EQ Personal Accident with medical expenses and income (S$50,000 each), me and my spouse (one policy each)

Offered when Who is covered is Two adults; Sum insured up to S$50,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1	S$109.00
Class 2	S$129.49
Class 3	S$198.38

Multiplied by
Age	Figure
Up to 65	×1.00

Plus
Spouse's occupation class	Figure
Class 1	S$109.00
Class 2	S$129.49
Class 3	S$198.38

Excess None

EQ Personal Accident with medical expenses and income (S$100,000 each), me and my spouse (one policy each)

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

Base premium
Occupation class	Figure
Class 1	S$171.57
Class 2	S$210.15
Class 3	S$330.27

Multiplied by
Age	Figure
Up to 65	×1.00

Plus
Spouse's occupation class	Figure
Class 1	S$171.57
Class 2	S$210.15
Class 3	S$330.27

Excess None

EQ Personal Accident with medical expenses and income (S$200,000 each), me and my spouse (one policy each)

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

Base premium
Occupation class	Figure
Class 1	S$295.83
Class 2	S$361.66
Class 3	S$578.79

Multiplied by
Age	Figure
Up to 65	×1.00

Plus
Spouse's occupation class	Figure
Class 1	S$295.83
Class 2	S$361.66
Class 3	S$578.79

Excess None

EQ Personal Accident with medical expenses and income (S$500,000 each), me and my spouse (one policy each)

Offered when Who is covered is Two adults; Sum insured S$500,000 or more; Occupation class up to Class 2; Spouse's occupation class up to Class 2

Base premium
Occupation class	Figure
Class 1	S$557.43
Class 2	S$688.66

Multiplied by
Age	Figure
Up to 65	×1.00

Plus
Spouse's occupation class	Figure
Class 1	S$557.43
Class 2	S$688.66

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
Class I, S$100,000, age 30 (minimum premium)EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000)	Age: 30 Who is covered: One adult Sum insured: S$100,000 Occupation class: Class 1	Base S$87.20 (Occupation class Class 1, Sum insured S$50,001 to S$100,000) × 1.00 (Age Up to 65) = S$87.20 GST is included: S$87.20 Below the plan minimum, so S$109.00	S$109.00
Class I, S$200,000, age 45EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000)	Age: 45 Who is covered: One adult Sum insured: S$200,000 Occupation class: Class 1	Base S$174.40 (Occupation class Class 1, Sum insured S$100,001 to S$200,000) × 1.00 (Age Up to 65) = S$174.40 GST is included: S$174.40	S$174.40
Class II, S$100,000, age 18EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000)	Age: 18 Who is covered: One adult Sum insured: S$100,000 Occupation class: Class 2	Base S$109.00 (Occupation class Class 2, Sum insured S$50,001 to S$100,000) × 1.00 (Age Up to 65) = S$109.00 GST is included: S$109.00	S$109.00
Class II, S$500,000, age 65EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000)	Age: 65 Who is covered: One adult Sum insured: S$500,000 Occupation class: Class 2	Base S$545.00 (Occupation class Class 2, Sum insured S$200,001 to S$500,000) × 1.00 (Age Up to 65) = S$545.00 GST is included: S$545.00	S$545.00
Class I, S$500,000, age 50, motorcycle and sportsEQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000)	Age: 50 Who is covered: One adult Sum insured: S$500,000 Occupation class: Class 1	Base S$436.00 (Occupation class Class 1, Sum insured S$200,001 to S$500,000) × 1.00 (Age Up to 65) = S$436.00 GST is included: S$436.00	S$436.00
Class I, S$50,000, age 30 (S$43.60, minimum premium)EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000)	Age: 30 Who is covered: One adult Sum insured: S$50,000 Occupation class: Class 1	Base S$43.60 (Occupation class Class 1, Sum insured Up to S$50,000) × 1.00 (Age Up to 65) = S$43.60 GST is included: S$43.60 Below the plan minimum, so S$109.00	S$109.00

Show the other 26 examples

Example	Answers	Working	Premium
Class III, S$200,000, age 30 (S$19.62 x 20)EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$200,000)	Age: 30 Who is covered: One adult Sum insured: S$200,000 Occupation class: Class 3	Base S$392.40 (Occupation class Class 3, Sum insured S$100,001 to S$200,000) × 1.00 (Age Up to 65) = S$392.40 GST is included: S$392.40	S$392.40
Class III, S$50,000, age 30 (minimum premium)EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$200,000)	Age: 30 Who is covered: One adult Sum insured: S$50,000 Occupation class: Class 3	Base S$98.10 (Occupation class Class 3, Sum insured Up to S$50,000) × 1.00 (Age Up to 65) = S$98.10 GST is included: S$98.10 Below the plan minimum, so S$109.00	S$109.00
With medical: Class I, S$50,000, age 30 (S$2,000 medical)EQ Personal Accident with medical expenses (S$50,000)	Age: 30 Who is covered: One adult Sum insured: S$50,000 Occupation class: Class 1	Base S$43.60 (Occupation class Class 1, Sum insured Up to S$50,000) × 1.00 (Age Up to 65) = S$43.60 + S$22.24 (Occupation class Class 1) = S$65.84 GST is included: S$65.84 Below the plan minimum, so S$109.00	S$109.00
With medical: Class II, S$50,000, age 30 (S$2,000 medical)EQ Personal Accident with medical expenses (S$50,000)	Age: 30 Who is covered: One adult Sum insured: S$50,000 Occupation class: Class 2	Base S$54.50 (Occupation class Class 2, Sum insured Up to S$50,000) × 1.00 (Age Up to 65) = S$54.50 + S$27.03 (Occupation class Class 2) = S$81.53 GST is included: S$81.53 Below the plan minimum, so S$109.00	S$109.00
With medical: Class III, S$50,000, age 30 (S$2,000 medical)EQ Personal Accident with medical expenses (S$50,000)	Age: 30 Who is covered: One adult Sum insured: S$50,000 Occupation class: Class 3	Base S$98.10 (Occupation class Class 3, Sum insured Up to S$50,000) × 1.00 (Age Up to 65) = S$98.10 + S$35.97 (Occupation class Class 3) = S$134.07 GST is included: S$134.07	S$134.07
With medical: Class I, S$100,000, age 30EQ Personal Accident with medical expenses (S$100,000)	Age: 30 Who is covered: One adult Sum insured: S$100,000 Occupation class: Class 1	Base S$87.20 (Occupation class Class 1, Sum insured Up to S$100,000) × 1.00 (Age Up to 65) = S$87.20 + S$41.86 (Occupation class Class 1) = S$129.06 GST is included: S$129.06	S$129.06
With medical: Class III, S$100,000, age 30 (S$5,000 medical)EQ Personal Accident with medical expenses (S$100,000)	Age: 30 Who is covered: One adult Sum insured: S$100,000 Occupation class: Class 3	Base S$196.20 (Occupation class Class 3, Sum insured Up to S$100,000) × 1.00 (Age Up to 65) = S$196.20 + S$69.76 (Occupation class Class 3) = S$265.96 GST is included: S$265.96	S$265.96
With medical: Class II, S$200,000, age 40EQ Personal Accident with medical expenses (the sum you choose, S$200,000 or S$500,000)	Age: 40 Who is covered: One adult Sum insured: S$200,000 Occupation class: Class 2	Base S$218.00 (Occupation class Class 2, Sum insured Up to S$200,000) × 1.00 (Age Up to 65) = S$218.00 + S$95.70 (Occupation class Class 2) = S$313.70 GST is included: S$313.70	S$313.70
With medical: Class I, S$500,000, age 60EQ Personal Accident with medical expenses (the sum you choose, S$200,000 or S$500,000)	Age: 60 Who is covered: One adult Sum insured: S$500,000 Occupation class: Class 1	Base S$436.00 (Occupation class Class 1, Sum insured S$200,001 to S$500,000) × 1.00 (Age Up to 65) = S$436.00 + S$78.92 (Occupation class Class 1) = S$514.92 GST is included: S$514.92	S$514.92
With medical: Class III, S$200,000, age 30EQ Personal Accident with medical expenses (S$200,000)	Age: 30 Who is covered: One adult Sum insured: S$200,000 Occupation class: Class 3	Base S$392.40 (Occupation class Class 3, Sum insured Up to S$200,000) × 1.00 (Age Up to 65) = S$392.40 + S$122.08 (Occupation class Class 3) = S$514.48 GST is included: S$514.48	S$514.48
With medical and income: Class I, S$50,000, age 30EQ Personal Accident with medical expenses and income (S$50,000)	Age: 30 Who is covered: One adult Sum insured: S$50,000 Occupation class: Class 1	Base S$43.60 (Occupation class Class 1, Sum insured Up to S$50,000) × 1.00 (Age Up to 65) = S$43.60 + S$64.75 (Occupation class Class 1) = S$108.35 GST is included: S$108.35 Below the plan minimum, so S$109.00	S$109.00
With medical and income: Class I, S$100,000, age 30EQ Personal Accident with medical expenses and income (S$100,000)	Age: 30 Who is covered: One adult Sum insured: S$100,000 Occupation class: Class 1	Base S$87.20 (Occupation class Class 1, Sum insured Up to S$100,000) × 1.00 (Age Up to 65) = S$87.20 + S$84.37 (Occupation class Class 1) = S$171.57 GST is included: S$171.57	S$171.57
With medical and income: Class II, S$500,000, age 65EQ Personal Accident with medical expenses and income (the sum you choose, S$200,000 or S$500,000)	Age: 65 Who is covered: One adult Sum insured: S$500,000 Occupation class: Class 2	Base S$545.00 (Occupation class Class 2, Sum insured S$200,001 to S$500,000) × 1.00 (Age Up to 65) = S$545.00 + S$143.66 (Occupation class Class 2) = S$688.66 GST is included: S$688.66	S$688.66
With medical and income: Class I, S$200,000, age 45EQ Personal Accident with medical expenses and income (the sum you choose, S$200,000 or S$500,000)	Age: 45 Who is covered: One adult Sum insured: S$200,000 Occupation class: Class 1	Base S$174.40 (Occupation class Class 1, Sum insured Up to S$200,000) × 1.00 (Age Up to 65) = S$174.40 + S$121.43 (Occupation class Class 1) = S$295.83 GST is included: S$295.83	S$295.83
With medical and income: Class III, S$200,000, age 30EQ Personal Accident with medical expenses and income (S$200,000)	Age: 30 Who is covered: One adult Sum insured: S$200,000 Occupation class: Class 3	Base S$392.40 (Occupation class Class 3, Sum insured Up to S$200,000) × 1.00 (Age Up to 65) = S$392.40 + S$186.39 (Occupation class Class 3) = S$578.79 GST is included: S$578.79	S$578.79
Class III: a vet, S$200,000, age 30 (EQ: Veterinary Surgeon, Class III)EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$200,000)	Age: 30 Who is covered: One adult Occupation: Veterinarian Sum insured: S$200,000 Occupation class: Class 2	Base S$392.40 (Occupation class Class 3, Sum insured S$100,001 to S$200,000) × 1.00 (Age Up to 65) = S$392.40 GST is included: S$392.40	S$392.40
With medical: a doctor, S$100,000, age 30 (EQ: Dentist / Doctor, Class I)EQ Personal Accident with medical expenses (S$100,000)	Age: 30 Who is covered: One adult Occupation: Doctor Sum insured: S$100,000 Occupation class: Class 2	Base S$87.20 (Occupation class Class 1, Sum insured Up to S$100,000) × 1.00 (Age Up to 65) = S$87.20 + S$41.86 (Occupation class Class 1) = S$129.06 GST is included: S$129.06	S$129.06
With medical: a student, S$200,000, age 40 (EQ: Student, Class II)EQ Personal Accident with medical expenses (the sum you choose, S$200,000 or S$500,000)	Age: 40 Who is covered: One adult Occupation: Student Sum insured: S$200,000 Occupation class: Class 1	Base S$218.00 (Occupation class Class 2, Sum insured Up to S$200,000) × 1.00 (Age Up to 65) = S$218.00 + S$95.70 (Occupation class Class 2) = S$313.70 GST is included: S$313.70	S$313.70
A security officer, S$500,000, age 65 (EQ: Security Guard (Unarmed), Class II)EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000)	Age: 65 Who is covered: One adult Occupation: Security officer (unarmed) Sum insured: S$500,000 Occupation class: Class 3	Base S$545.00 (Occupation class Class 2, Sum insured S$200,001 to S$500,000) × 1.00 (Age Up to 65) = S$545.00 GST is included: S$545.00	S$545.00
With medical: a butcher, S$200,000, age 30 (EQ: Butcher / Farmer / Fishmonger, Class III)EQ Personal Accident with medical expenses (S$200,000)	Age: 30 Who is covered: One adult Occupation: Butcher Sum insured: S$200,000 Occupation class: Class 4	Base S$392.40 (Occupation class Class 3, Sum insured Up to S$200,000) × 1.00 (Age Up to 65) = S$392.40 + S$122.08 (Occupation class Class 3) = S$514.48 GST is included: S$514.48	S$514.48
Couple, both Class I, S$50,000, one policy each (S$43.60 each, below the S$109 minimum: 2 x S$109.00)EQ Personal Accident, death and permanent disablement (S$50,000 each), me and my spouse (one policy each)	Age: 30 Who is covered: Two adults Sum insured: S$50,000 Occupation class: Class 1 Spouse's occupation class: Class 1	Base S$109.00 (Occupation class Class 1) × 1.00 (Age Up to 65) = S$109.00 + S$109.00 (Spouse's occupation class Class 1) = S$218.00 GST is included: S$218.00	S$218.00
Couple, Class I and Class III, S$200,000, one policy each (S$8.72 x 20 + S$19.62 x 20 = S$174.40 + S$392.40)EQ Personal Accident, death and permanent disablement (S$200,000 each), me and my spouse (one policy each)	Age: 30 Who is covered: Two adults Sum insured: S$200,000 Occupation class: Class 1 Spouse's occupation class: Class 3	Base S$174.40 (Occupation class Class 1) × 1.00 (Age Up to 65) = S$174.40 + S$392.40 (Spouse's occupation class Class 3) = S$566.80 GST is included: S$566.80	S$566.80
Couple, Class II and Class I, S$500,000, with medical expenses, one policy each ((S$545.00 + S$95.70) + (S$436.00 + S$78.92))EQ Personal Accident with medical expenses (S$500,000 each), me and my spouse (one policy each)	Age: 30 Who is covered: Two adults Sum insured: S$500,000 Occupation class: Class 2 Spouse's occupation class: Class 1	Base S$640.70 (Occupation class Class 2) × 1.00 (Age Up to 65) = S$640.70 + S$514.92 (Spouse's occupation class Class 1) = S$1,155.62 GST is included: S$1,155.62	S$1,155.62
Couple, Class III and Class II, S$100,000, with medical expenses and income, one policy each ((S$196.20 + S$134.07) + (S$109.00 + S$101.15))EQ Personal Accident with medical expenses and income (S$100,000 each), me and my spouse (one policy each)	Age: 30 Who is covered: Two adults Sum insured: S$100,000 Occupation class: Class 3 Spouse's occupation class: Class 2	Base S$330.27 (Occupation class Class 3) × 1.00 (Age Up to 65) = S$330.27 + S$210.15 (Spouse's occupation class Class 2) = S$540.42 GST is included: S$540.42	S$540.42
With medical: a dentist, S$100,000, age 30 (EQ: Dentist / Doctor, Class I)EQ Personal Accident with medical expenses (S$100,000)	Age: 30 Who is covered: One adult Occupation: Dentist Sum insured: S$100,000 Occupation class: Class 2	Base S$87.20 (Occupation class Class 1, Sum insured Up to S$100,000) × 1.00 (Age Up to 65) = S$87.20 + S$41.86 (Occupation class Class 1) = S$129.06 GST is included: S$129.06	S$129.06
Class III: a chauffeur, S$200,000, age 30 (EQ: Chauffeur, Class III)EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$200,000)	Age: 30 Who is covered: One adult Occupation: Chauffeur or private driver Sum insured: S$200,000 Occupation class: Class 2	Base S$392.40 (Occupation class Class 3, Sum insured S$100,001 to S$200,000) × 1.00 (Age Up to 65) = S$392.40 GST is included: S$392.40	S$392.40

Where the figures come from

EQ Personal Accident product page read 5 Oct 2026
EQ Personal Accident proposal form PAI2511-Ver10.0 (maximum sums insured, minimum premium) read 5 Oct 2026
EQ Personal Accident policy wording PAI2401-Ver5.2 read 5 Oct 2026

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

Before going live the table was read from the published table and matched to worked examples in the insurer's brochure.

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