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Personal accident insurance

How Etiqa 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 15 Oct 2026, the day we last checked them against Etiqa's own online quotes.

The insurer places some jobs in a different occupation class from ours, and prices them in its own: Cleaner (home or office) class 1; Doctor class 1; Pharmacist class 1; Retail assistant class 1; Architect class 2; Chef or cook class 2; Student class 2; Technician class 2; Butcher class 3; Fitness or gym instructor class 3. It does not cover these jobs online: Army, navy or air force (regular); Delivery rider; Flight attendant; Full-time national serviceman (NSF); 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 4, live since 20 Oct 2026.

Plans and how each is priced

Tiq Personal Accident Enhanced Silver (S$125,000)

Promotion

Offered when Sum insured up to S$125,000; Occupation class up to Class 3; Who is covered is One adult

Base premium
Occupation classFigure
Class 1S$229.71
Class 2S$274.20
Class 3S$286.65

Excess None

Promo code PA35: 35% off the list price, no end date given (seen on the insurer's site 15 Oct 2026).

Tiq Personal Accident Enhanced Silver, Me and my spouse (S$125,000 each adult)

Promotion

Offered when Sum insured up to S$125,000; Occupation class up to Class 3; Who is covered is Two adults; Spouse's occupation class up to Class 3

Base premium
Occupation classby Spouse's occupation classUp to 123
Class 1S$436.45S$476.49S$487.70
Class 2S$480.94S$520.98S$532.19
Class 3S$493.39S$533.43S$544.64

Excess None

Promo code PA35: 35% off the list price, no end date given (seen on the insurer's site 15 Oct 2026).

Tiq Personal Accident Enhanced Silver, Me and my children (S$125,000)

Promotion

Offered when Sum insured up to S$125,000; Occupation class up to Class 3; Who is covered is One adult and children; Children up to 6

Base premium
Occupation classFigure
Class 1S$229.71
Class 2S$274.20
Class 3S$286.65

Plus S$75.80, multiplied by a factor for each of 6 children values (1, 2, 3, 4, 5, 6).

Excess None

Promo code PA35: 35% off the list price, no end date given (seen on the insurer's site 15 Oct 2026).

Tiq Personal Accident Enhanced Silver, My family (S$125,000 each adult)

Promotion

Offered when Sum insured up to S$125,000; Occupation class up to Class 3; Who is covered is Two adults and children; Spouse's occupation class up to Class 3; Children up to 6

Base premium
Occupation classby Spouse's occupation classUp to 123
Class 1S$436.45S$476.49S$487.70
Class 2S$480.94S$520.98S$532.19
Class 3S$493.39S$533.43S$544.64

Plus S$75.80, multiplied by a factor for each of 6 children values (1, 2, 3, 4, 5, 6).

Excess None

Promo code PA35: 35% off the list price, no end date given (seen on the insurer's site 15 Oct 2026).

Tiq Personal Accident Enhanced Gold (S$300,000)

Promotion

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

Base premium
Occupation classFigure
Class 1S$373.31
Class 2S$453.70
Class 3S$476.20

Excess None

Promo code PA35: 35% off the list price, no end date given (seen on the insurer's site 15 Oct 2026).

Tiq Personal Accident Enhanced Gold, Me and my spouse (S$300,000 each adult)

Promotion

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

Base premium
Occupation classby Spouse's occupation classUp to 123
Class 1S$709.29S$781.64S$801.89
Class 2S$789.68S$862.03S$882.28
Class 3S$812.18S$884.53S$904.78

Excess None

Promo code PA35: 35% off the list price, no end date given (seen on the insurer's site 15 Oct 2026).

Tiq Personal Accident Enhanced Gold, Me and my children (S$300,000)

Promotion

Offered when Sum insured up to S$300,000; Occupation class up to Class 3; Who is covered is One adult and children; Children up to 6

Base premium
Occupation classFigure
Class 1S$373.31
Class 2S$453.70
Class 3S$476.20

Plus S$123.19, multiplied by a factor for each of 6 children values (1, 2, 3, 4, 5, 6).

Excess None

Promo code PA35: 35% off the list price, no end date given (seen on the insurer's site 15 Oct 2026).

Tiq Personal Accident Enhanced Gold, My family (S$300,000 each adult)

Promotion

Offered when Sum insured up to S$300,000; Occupation class up to Class 3; Who is covered is Two adults and children; Spouse's occupation class up to Class 3; Children up to 6

Base premium
Occupation classby Spouse's occupation classUp to 123
Class 1S$709.29S$781.64S$801.89
Class 2S$789.68S$862.03S$882.28
Class 3S$812.18S$884.53S$904.78

Plus S$123.19, multiplied by a factor for each of 6 children values (1, 2, 3, 4, 5, 6).

Excess None

Promo code PA35: 35% off the list price, no end date given (seen on the insurer's site 15 Oct 2026).

Tiq Personal Accident Enhanced Platinum (S$500,000)

Promotion

Offered when Sum insured up to S$500,000; Occupation class up to Class 2; Who is covered is One adult

Base premium
Occupation classFigure
Class 1S$650.28
Class 2S$799.91

Excess None

Promo code PA35: 35% off the list price, no end date given (seen on the insurer's site 15 Oct 2026).

Tiq Personal Accident Enhanced Platinum, Me and my spouse (S$500,000 each adult)

Promotion

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

Base premium
Occupation classby Spouse's occupation classUp to 12
Class 1S$1,235.54S$1,370.20
Class 2S$1,385.17S$1,519.83

Excess None

Promo code PA35: 35% off the list price, no end date given (seen on the insurer's site 15 Oct 2026).

Tiq Personal Accident Enhanced Platinum, Me and my children (S$500,000)

Promotion

Offered when Sum insured up to S$500,000; Occupation class up to Class 2; Who is covered is One adult and children; Children up to 6

Base premium
Occupation classFigure
Class 1S$650.28
Class 2S$799.91

Plus S$214.59, multiplied by a factor for each of 6 children values (1, 2, 3, 4, 5, 6).

Excess None

Promo code PA35: 35% off the list price, no end date given (seen on the insurer's site 15 Oct 2026).

Tiq Personal Accident Enhanced Platinum, My family (S$500,000 each adult)

Promotion

Offered when Sum insured up to S$500,000; Occupation class up to Class 2; Who is covered is Two adults and children; Spouse's occupation class up to Class 2; Children up to 6

Base premium
Occupation classby Spouse's occupation classUp to 12
Class 1S$1,235.54S$1,370.20
Class 2S$1,385.17S$1,519.83

Plus S$214.59, multiplied by a factor for each of 6 children values (1, 2, 3, 4, 5, 6).

Excess None

Promo code PA35: 35% off the list price, no end date given (seen on the insurer's site 15 Oct 2026).

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
Enhanced Silver, one adult, class 1Tiq Personal Accident Enhanced Silver (S$125,000)
  • Who is covered: One adult
  • Children: 0
  • Sum insured: S$50,000
  • Occupation class: Class 1
  1. Base S$229.71 (Occupation class Class 1)
  2. + 9% GST = S$250.38
S$250.38S$162.75 with the 35% promotion
Enhanced Gold, one adult, class 3Tiq Personal Accident Enhanced Gold (S$300,000)
  • Who is covered: One adult
  • Children: 0
  • Sum insured: S$50,000
  • Occupation class: Class 3
  1. Base S$476.20 (Occupation class Class 3)
  2. + 9% GST = S$519.06
S$519.06S$337.39 with the 35% promotion
Enhanced Platinum, one adult, class 2Tiq Personal Accident Enhanced Platinum (S$500,000)
  • Who is covered: One adult
  • Children: 0
  • Sum insured: S$50,000
  • Occupation class: Class 2
  1. Base S$799.91 (Occupation class Class 2)
  2. + 9% GST = S$871.90
S$871.90S$566.73 with the 35% promotion
Enhanced Silver, couple, classes 1 and 2Tiq Personal Accident Enhanced Silver, Me and my spouse (S$125,000 each adult)
  • Who is covered: Two adults
  • Children: 0
  • Sum insured: S$50,000
  • Occupation class: Class 1
  • Spouse's occupation class: Class 2
  1. Base S$476.49 (Occupation class Class 1, Spouse's occupation class 2)
  2. + 9% GST = S$519.37
S$519.37S$337.59 with the 35% promotion
Enhanced Gold, couple, classes 3 and 3Tiq Personal Accident Enhanced Gold, Me and my spouse (S$300,000 each adult)
  • Who is covered: Two adults
  • Children: 0
  • Sum insured: S$50,000
  • Occupation class: Class 3
  • Spouse's occupation class: Class 3
  1. Base S$904.78 (Occupation class Class 3, Spouse's occupation class 3)
  2. + 9% GST = S$986.21
S$986.21S$641.04 with the 35% promotion
Enhanced Platinum, couple, classes 2 and 1Tiq Personal Accident Enhanced Platinum, Me and my spouse (S$500,000 each adult)
  • Who is covered: Two adults
  • Children: 0
  • Sum insured: S$50,000
  • Occupation class: Class 2
  • Spouse's occupation class: Class 1
  1. Base S$1,385.17 (Occupation class Class 2, Spouse's occupation class Up to 1)
  2. + 9% GST = S$1,509.84
S$1,509.84S$981.39 with the 35% promotion
Show the other 13 examples
ExampleAnswersWorkingPremium
Enhanced Silver, one adult (class 1) and 3 childrenTiq Personal Accident Enhanced Silver, Me and my children (S$125,000)
  • Who is covered: One adult and children
  • Children: 3
  • Sum insured: S$50,000
  • Occupation class: Class 1
  1. Base S$229.71 (Occupation class Class 1)
  2. + S$227.40 (Children 3) = S$457.11
  3. + 9% GST = S$498.25
S$498.25S$323.86 with the 35% promotion
Enhanced Gold, one adult (class 2) and 1 childTiq Personal Accident Enhanced Gold, Me and my children (S$300,000)
  • Who is covered: One adult and children
  • Children: 1
  • Sum insured: S$50,000
  • Occupation class: Class 2
  1. Base S$453.70 (Occupation class Class 2)
  2. + S$123.19 (Children 1) = S$576.89
  3. + 9% GST = S$628.81
S$628.81S$408.73 with the 35% promotion
Enhanced Platinum, family of classes 1 and 2 with 2 childrenTiq Personal Accident Enhanced Platinum, My family (S$500,000 each adult)
  • Who is covered: Two adults and children
  • Children: 2
  • Sum insured: S$50,000
  • Occupation class: Class 1
  • Spouse's occupation class: Class 2
  1. Base S$1,370.20 (Occupation class Class 1, Spouse's occupation class 2)
  2. + S$429.18 (Children 2) = S$1,799.38
  3. + 9% GST = S$1,961.32
S$1,961.32S$1,274.86 with the 35% promotion
Enhanced Silver, family of classes 1 and 1 with 6 childrenTiq Personal Accident Enhanced Silver, My family (S$125,000 each adult)
  • Who is covered: Two adults and children
  • Children: 6
  • Sum insured: S$50,000
  • Occupation class: Class 1
  • Spouse's occupation class: Class 1
  1. Base S$436.45 (Occupation class Class 1, Spouse's occupation class Up to 1)
  2. + S$454.80 (Children 6) = S$891.25
  3. + 9% GST = S$971.46
S$971.46S$631.45 with the 35% promotion
Enhanced Gold, family of classes 2 and 2 with 3 childrenTiq Personal Accident Enhanced Gold, My family (S$300,000 each adult)
  • Who is covered: Two adults and children
  • Children: 3
  • Sum insured: S$50,000
  • Occupation class: Class 2
  • Spouse's occupation class: Class 2
  1. Base S$862.03 (Occupation class Class 2, Spouse's occupation class 2)
  2. + S$369.57 (Children 3) = S$1,231.60
  3. + 9% GST = S$1,342.44
S$1,342.44S$872.59 with the 35% promotion
Enhanced Silver, one student (Tiq class 2, ours 1)Tiq Personal Accident Enhanced Silver (S$125,000)
  • Who is covered: One adult
  • Children: 0
  • Occupation: Student
  • Sum insured: S$50,000
  • Occupation class: Class 1
  1. Base S$274.20 (Occupation class Class 2)
  2. + 9% GST = S$298.88
S$298.88S$194.27 with the 35% promotion
Enhanced Gold, one pharmacist (Tiq class 1, ours 2)Tiq Personal Accident Enhanced Gold (S$300,000)
  • Who is covered: One adult
  • Children: 0
  • Occupation: Pharmacist
  • Sum insured: S$50,000
  • Occupation class: Class 2
  1. Base S$373.31 (Occupation class Class 1)
  2. + 9% GST = S$406.91
S$406.91S$264.49 with the 35% promotion
Enhanced Silver, one butcher (Tiq class 3, ours 4)Tiq Personal Accident Enhanced Silver (S$125,000)
  • Who is covered: One adult
  • Children: 0
  • Occupation: Butcher
  • Sum insured: S$50,000
  • Occupation class: Class 4
  1. Base S$286.65 (Occupation class Class 3)
  2. + 9% GST = S$312.45
S$312.45S$203.09 with the 35% promotion
Enhanced Platinum, couple of an accountant and a chef (Tiq class 2, ours 3)Tiq Personal Accident Enhanced Platinum, Me and my spouse (S$500,000 each adult)
  • Who is covered: Two adults
  • Children: 0
  • Occupation: Accountant
  • Sum insured: S$50,000
  • Occupation class: Class 1
  • Spouse's occupation: Chef or cook
  • Spouse's occupation class: Class 3
  1. Base S$1,370.20 (Occupation class Class 1, Spouse's occupation class 2)
  2. + 9% GST = S$1,493.52
S$1,493.52S$970.79 with the 35% promotion
Enhanced Gold, one gym instructor (Tiq Gym Instructor / Fitness Trainer, class 3; ours 2)Tiq Personal Accident Enhanced Gold (S$300,000)
  • Who is covered: One adult
  • Children: 0
  • Occupation: Fitness or gym instructor
  • Sum insured: S$50,000
  • Occupation class: Class 2
  1. Base S$476.20 (Occupation class Class 3)
  2. + 9% GST = S$519.06
S$519.06S$337.39 with the 35% promotion
Enhanced Silver, one office cleaner (Tiq Cleaner (Indoor), class 1; ours 2)Tiq Personal Accident Enhanced Silver (S$125,000)
  • Who is covered: One adult
  • Children: 0
  • Occupation: Cleaner (home or office)
  • Sum insured: S$50,000
  • Occupation class: Class 2
  1. Base S$229.71 (Occupation class Class 1)
  2. + 9% GST = S$250.38
S$250.38S$162.75 with the 35% promotion
Enhanced Platinum, one doctor (Tiq Doctor, class 1; ours 2)Tiq Personal Accident Enhanced Platinum (S$500,000)
  • Who is covered: One adult
  • Children: 0
  • Occupation: Doctor
  • Sum insured: S$50,000
  • Occupation class: Class 2
  1. Base S$650.28 (Occupation class Class 1)
  2. + 9% GST = S$708.81
S$708.81S$460.72 with the 35% promotion
Enhanced Platinum, couple of a dentist (Tiq class 2) and a chauffeur (Tiq class 2)Tiq Personal Accident Enhanced Platinum, Me and my spouse (S$500,000 each adult)
  • Who is covered: Two adults
  • Children: 0
  • Occupation: Dentist
  • Sum insured: S$50,000
  • Occupation class: Class 2
  • Spouse's occupation: Chauffeur or private driver
  • Spouse's occupation class: Class 2
  1. Base S$1,519.83 (Occupation class Class 2, Spouse's occupation class 2)
  2. + 9% GST = S$1,656.61
S$1,656.61S$1,076.80 with the 35% promotion

Where the figures come from

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

Before going live the table was checked against the insurer's own online quotes.

Compare personal accident quotesEtiqa personal accident insurance prices todayBuy on Etiqa'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.

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