Personal accident insurance

How FWD 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 last checked them against FWD's own online quotes.

The insurer places some jobs in a different occupation class from ours, and prices them in its own: Pilot or aircrew (flight deck) class 1; Engineer (site or field-based) class 2; Butcher class 3; Construction worker class 3; Crane or heavy machinery operator class 3; Firefighter or civil defence officer class 3; Lifeguard class 3; Scaffolder or work at heights class 3; Security officer (armed) class 3; Sports coach class 3; Welder class 3. It does not cover these jobs online: Full-time national serviceman (NSF).

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 6, live since 20 Oct 2026.

Plans and how each is priced

FWD Life PA S$100,000 (Plan A)

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

Base premium
Occupation class	Figure
Class 1 to Class 2	S$168.95
Class 3	S$301.93

Multiplied by
Age	Figure
Up to 64	×1.00

Excess None

FWD Life PA S$100,000 (Plan A), me and my children

Offered when Who is covered is One adult and children; Children up to 5; Sum insured up to S$100,000; Occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1 to Class 2	S$168.95
Class 3	S$301.93

Multiplied by
Age	Figure
Up to 64	×1.00

Plus S$168.95, multiplied by a factor for each of 5 children values (1, 2, 3, 4, 5).

Excess None

FWD Life PA S$100,000 (Plan A) with Income Support Rider Plan A

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

Base premium
Occupation class	Figure
Class 1 to Class 2	S$273.95
Class 3	S$514.35

Multiplied by
Age	Figure
Up to 64	×1.00

Excess None

FWD Life PA S$100,000 (Plan A) with Income Support Rider Plan A, me and my children

Offered when Who is covered is One adult and children; Children up to 5; Sum insured up to S$100,000; Occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1 to Class 2	S$273.95
Class 3	S$514.35

Multiplied by
Age	Figure
Up to 64	×1.00

Plus S$273.95, multiplied by a factor for each of 5 children values (1, 2, 3, 4, 5).

Excess None

FWD Life PA S$100,000 (Plan A) with Catch-All Rider

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

Base premium
Occupation class	Figure
Class 1 to Class 2	S$194.35
Class 3	S$327.33

Multiplied by
Age	Figure
Up to 64	×1.00

Excess None

FWD Life PA S$100,000 (Plan A) with Catch-All Rider, me and my children

Offered when Who is covered is One adult and children; Children up to 5; Sum insured up to S$100,000; Occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1 to Class 2	S$194.35
Class 3	S$327.33

Multiplied by
Age	Figure
Up to 64	×1.00

Plus S$194.35, multiplied by a factor for each of 5 children values (1, 2, 3, 4, 5).

Excess None

FWD Life PA S$100,000 (Plan A) with Income Support Rider Plan A and Catch-All Rider

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

Base premium
Occupation class	Figure
Class 1 to Class 2	S$299.35
Class 3	S$539.75

Multiplied by
Age	Figure
Up to 64	×1.00

Excess None

FWD Life PA S$100,000 (Plan A) with Income Support Rider Plan A and Catch-All Rider, me and my children

Offered when Who is covered is One adult and children; Children up to 5; Sum insured up to S$100,000; Occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1 to Class 2	S$299.35
Class 3	S$539.75

Multiplied by
Age	Figure
Up to 64	×1.00

Plus S$299.35, multiplied by a factor for each of 5 children values (1, 2, 3, 4, 5).

Excess None

FWD Life PA S$200,000 (Plan B)

Offered when Who is covered is One adult; Sum insured S$100,001 or more; Sum insured up to S$200,000; Occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1 to Class 2	S$283.84
Class 3	S$501.95

Multiplied by
Age	Figure
Up to 64	×1.00

Excess None

FWD Life PA S$200,000 (Plan B), me and my children

Offered when Who is covered is One adult and children; Children up to 5; Sum insured S$100,001 or more; Sum insured up to S$200,000; Occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1 to Class 2	S$283.84
Class 3	S$501.95

Multiplied by
Age	Figure
Up to 64	×1.00

Plus S$283.84, multiplied by a factor for each of 5 children values (1, 2, 3, 4, 5).

Excess None

FWD Life PA S$200,000 (Plan B) with Income Support Rider Plan B

Offered when Who is covered is One adult; Sum insured S$100,001 or more; Sum insured up to S$200,000; Occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1 to Class 2	S$458.68
Class 3	S$857.92

Multiplied by
Age	Figure
Up to 64	×1.00

Excess None

FWD Life PA S$200,000 (Plan B) with Income Support Rider Plan B, me and my children

Offered when Who is covered is One adult and children; Children up to 5; Sum insured S$100,001 or more; Sum insured up to S$200,000; Occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1 to Class 2	S$458.68
Class 3	S$857.92

Multiplied by
Age	Figure
Up to 64	×1.00

Plus S$458.68, multiplied by a factor for each of 5 children values (1, 2, 3, 4, 5).

Excess None

FWD Life PA S$200,000 (Plan B) with Catch-All Rider

Offered when Who is covered is One adult; Sum insured S$100,001 or more; Sum insured up to S$200,000; Occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1 to Class 2	S$334.63
Class 3	S$552.74

Multiplied by
Age	Figure
Up to 64	×1.00

Excess None

FWD Life PA S$200,000 (Plan B) with Catch-All Rider, me and my children

Offered when Who is covered is One adult and children; Children up to 5; Sum insured S$100,001 or more; Sum insured up to S$200,000; Occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1 to Class 2	S$334.63
Class 3	S$552.74

Multiplied by
Age	Figure
Up to 64	×1.00

Plus S$334.63, multiplied by a factor for each of 5 children values (1, 2, 3, 4, 5).

Excess None

FWD Life PA S$200,000 (Plan B) with Income Support Rider Plan B and Catch-All Rider

Offered when Who is covered is One adult; Sum insured S$100,001 or more; Sum insured up to S$200,000; Occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1 to Class 2	S$509.47
Class 3	S$908.71

Multiplied by
Age	Figure
Up to 64	×1.00

Excess None

FWD Life PA S$200,000 (Plan B) with Income Support Rider Plan B and Catch-All Rider, me and my children

Offered when Who is covered is One adult and children; Children up to 5; Sum insured S$100,001 or more; Sum insured up to S$200,000; Occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1 to Class 2	S$509.47
Class 3	S$908.71

Multiplied by
Age	Figure
Up to 64	×1.00

Plus S$509.47, multiplied by a factor for each of 5 children values (1, 2, 3, 4, 5).

Excess None

FWD Life PA S$500,000 (Plan C)

Offered when Who is covered is One adult; Sum insured S$200,001 or more; Sum insured up to S$500,000; Occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1 to Class 2	S$640.92
Class 3	S$1,117.03

Multiplied by
Age	Figure
Up to 64	×1.00

Excess None

FWD Life PA S$500,000 (Plan C), me and my children

Offered when Who is covered is One adult and children; Children up to 5; Sum insured S$200,001 or more; Sum insured up to S$500,000; Occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1 to Class 2	S$640.92
Class 3	S$1,117.03

Multiplied by
Age	Figure
Up to 64	×1.00

Plus S$640.92, multiplied by a factor for each of 5 children values (1, 2, 3, 4, 5).

Excess None

FWD Life PA S$500,000 (Plan C) with Income Support Rider Plan C

Offered when Who is covered is One adult; Sum insured S$200,001 or more; Sum insured up to S$500,000; Occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1 to Class 2	S$955.90
Class 3	S$1,756.45

Multiplied by
Age	Figure
Up to 64	×1.00

Excess None

FWD Life PA S$500,000 (Plan C) with Income Support Rider Plan C, me and my children

Offered when Who is covered is One adult and children; Children up to 5; Sum insured S$200,001 or more; Sum insured up to S$500,000; Occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1 to Class 2	S$955.90
Class 3	S$1,756.45

Multiplied by
Age	Figure
Up to 64	×1.00

Plus S$955.90, multiplied by a factor for each of 5 children values (1, 2, 3, 4, 5).

Excess None

FWD Life PA S$500,000 (Plan C) with Catch-All Rider

Offered when Who is covered is One adult; Sum insured S$200,001 or more; Sum insured up to S$500,000; Occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1 to Class 2	S$767.91
Class 3	S$1,244.02

Multiplied by
Age	Figure
Up to 64	×1.00

Excess None

FWD Life PA S$500,000 (Plan C) with Catch-All Rider, me and my children

Offered when Who is covered is One adult and children; Children up to 5; Sum insured S$200,001 or more; Sum insured up to S$500,000; Occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1 to Class 2	S$767.91
Class 3	S$1,244.02

Multiplied by
Age	Figure
Up to 64	×1.00

Plus S$767.91, multiplied by a factor for each of 5 children values (1, 2, 3, 4, 5).

Excess None

FWD Life PA S$500,000 (Plan C) with Income Support Rider Plan C and Catch-All Rider

Offered when Who is covered is One adult; Sum insured S$200,001 or more; Sum insured up to S$500,000; Occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1 to Class 2	S$1,082.89
Class 3	S$1,883.44

Multiplied by
Age	Figure
Up to 64	×1.00

Excess None

FWD Life PA S$500,000 (Plan C) with Income Support Rider Plan C and Catch-All Rider, me and my children

Offered when Who is covered is One adult and children; Children up to 5; Sum insured S$200,001 or more; Sum insured up to S$500,000; Occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1 to Class 2	S$1,082.89
Class 3	S$1,883.44

Multiplied by
Age	Figure
Up to 64	×1.00

Plus S$1,082.89, multiplied by a factor for each of 5 children values (1, 2, 3, 4, 5).

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
Plan A, class 1, S$50,000 asked (FWD sells S$100,000 at least): S$168.95FWD Life PA S$100,000 (Plan A)	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$50,000 Occupation class: Class 1	Base S$168.95 (Occupation class Class 1) × 1.00 (Age Up to 64) = S$168.95 GST is included: S$168.95	S$168.95
Plan B with rider, class 1, S$200,000: S$283.84 + S$174.84FWD Life PA S$200,000 (Plan B) with Income Support Rider Plan B	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$200,000 Occupation class: Class 1	Base S$458.68 (Occupation class Class 1) × 1.00 (Age Up to 64) = S$458.68 GST is included: S$458.68	S$458.68
Plan C, class 3, S$500,000: S$1,117.03FWD Life PA S$500,000 (Plan C)	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$500,000 Occupation class: Class 3	Base S$1,117.03 (Occupation class Class 3) × 1.00 (Age Up to 64) = S$1,117.03 GST is included: S$1,117.03	S$1,117.03
Plan C with rider, class 3, S$500,000: S$1,117.03 + S$639.42FWD Life PA S$500,000 (Plan C) with Income Support Rider Plan C	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$500,000 Occupation class: Class 3	Base S$1,756.45 (Occupation class Class 3) × 1.00 (Age Up to 64) = S$1,756.45 GST is included: S$1,756.45	S$1,756.45
Plan B, a class-3 adult and 2 children (each at the class-1 S$283.84): S$1,069.63FWD Life PA S$200,000 (Plan B), me and my children	Age: 30 Who is covered: One adult and children Children: 2 Sum insured: S$200,000 Occupation class: Class 3	Base S$501.95 (Occupation class Class 3) × 1.00 (Age Up to 64) = S$501.95 + S$567.68 (Children 2) = S$1,069.63 GST is included: S$1,069.63	S$1,069.63
Plan A with rider, one adult and 5 children: 6 x (S$168.95 + S$105.00)FWD Life PA S$100,000 (Plan A) with Income Support Rider Plan A, me and my children	Age: 30 Who is covered: One adult and children Children: 5 Sum insured: S$100,000 Occupation class: Class 1	Base S$273.95 (Occupation class Class 1) × 1.00 (Age Up to 64) = S$273.95 + S$1,369.75 (Children 5) = S$1,643.70 GST is included: S$1,643.70	S$1,643.70

Show the other 8 examples

Example	Answers	Working	Premium
Plan A with Catch-All Rider, class 3, S$100,000: S$301.93 + S$25.40FWD Life PA S$100,000 (Plan A) with Catch-All Rider	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$100,000 Occupation class: Class 3	Base S$327.33 (Occupation class Class 3) × 1.00 (Age Up to 64) = S$327.33 GST is included: S$327.33	S$327.33
Plan C with both riders, class 1, S$500,000: S$640.92 + S$314.98 + S$126.99FWD Life PA S$500,000 (Plan C) with Income Support Rider Plan C and Catch-All Rider	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$500,000 Occupation class: Class 1	Base S$1,082.89 (Occupation class Class 1) × 1.00 (Age Up to 64) = S$1,082.89 GST is included: S$1,082.89	S$1,082.89
Plan B with Catch-All Rider, a class-3 adult and 2 children (each child S$283.84 + S$50.79)FWD Life PA S$200,000 (Plan B) with Catch-All Rider, me and my children	Age: 30 Who is covered: One adult and children Children: 2 Sum insured: S$200,000 Occupation class: Class 3	Base S$552.74 (Occupation class Class 3) × 1.00 (Age Up to 64) = S$552.74 + S$669.26 (Children 2) = S$1,222.00 GST is included: S$1,222.00	S$1,222.00
A welder (FWD class 4, ours 4), Plan B: S$501.95FWD Life PA S$200,000 (Plan B)	Age: 30 Who is covered: One adult Children: 0 Occupation: Welder Sum insured: S$200,000 Occupation class: Class 4	Base S$501.95 (Occupation class Class 3) × 1.00 (Age Up to 64) = S$501.95 GST is included: S$501.95	S$501.95
An airline pilot (FWD class 2, ours 4), Plan B: S$283.84FWD Life PA S$200,000 (Plan B)	Age: 30 Who is covered: One adult Children: 0 Occupation: Pilot or aircrew (flight deck) Sum insured: S$200,000 Occupation class: Class 4	Base S$283.84 (Occupation class Class 1) × 1.00 (Age Up to 64) = S$283.84 GST is included: S$283.84	S$283.84
A sports coach (FWD Coach (sport), class 3; ours 2), Plan A: S$301.93FWD Life PA S$100,000 (Plan A)	Age: 30 Who is covered: One adult Children: 0 Occupation: Sports coach Sum insured: S$100,000 Occupation class: Class 2	Base S$301.93 (Occupation class Class 3) × 1.00 (Age Up to 64) = S$301.93 GST is included: S$301.93	S$301.93
An armed security officer (FWD Security guard, class 4; ours 4), Plan B: S$501.95FWD Life PA S$200,000 (Plan B)	Age: 30 Who is covered: One adult Children: 0 Occupation: Security officer (armed) Sum insured: S$200,000 Occupation class: Class 4	Base S$501.95 (Occupation class Class 3) × 1.00 (Age Up to 64) = S$501.95 GST is included: S$501.95	S$501.95
A site engineer (FWD civil engineer, class 2; ours 3), Plan A: S$168.95FWD Life PA S$100,000 (Plan A)	Age: 30 Who is covered: One adult Children: 0 Occupation: Engineer (site or field-based) Sum insured: S$100,000 Occupation class: Class 3	Base S$168.95 (Occupation class Class 2) × 1.00 (Age Up to 64) = S$168.95 GST is included: S$168.95	S$168.95

Where the figures come from

FWD Life PA product page read 5 Oct 2026
FWD Life PA product summary (E & OE 21 April 2026), premium table and benefits read 5 Oct 2026
FWD Life PA policy contract v2.0 read 5 Oct 2026
FWD Personal Accident product page (calculator only, not encoded) read 5 Oct 2026

Plus 4 files of saved quotes, data and screenshots from FWD'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 quotes FWD personal accident insurance prices today Buy on FWD'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.

What the figures include

Plans and how each is priced

FWD Life PA S$100,000 (Plan A)

FWD Life PA S$100,000 (Plan A), me and my children

FWD Life PA S$100,000 (Plan A) with Income Support Rider Plan A

FWD Life PA S$100,000 (Plan A) with Income Support Rider Plan A, me and my children

FWD Life PA S$100,000 (Plan A) with Catch-All Rider

FWD Life PA S$100,000 (Plan A) with Catch-All Rider, me and my children

FWD Life PA S$100,000 (Plan A) with Income Support Rider Plan A and Catch-All Rider

FWD Life PA S$100,000 (Plan A) with Income Support Rider Plan A and Catch-All Rider, me and my children

FWD Life PA S$200,000 (Plan B)

FWD Life PA S$200,000 (Plan B), me and my children

FWD Life PA S$200,000 (Plan B) with Income Support Rider Plan B

FWD Life PA S$200,000 (Plan B) with Income Support Rider Plan B, me and my children

FWD Life PA S$200,000 (Plan B) with Catch-All Rider

FWD Life PA S$200,000 (Plan B) with Catch-All Rider, me and my children

FWD Life PA S$200,000 (Plan B) with Income Support Rider Plan B and Catch-All Rider

FWD Life PA S$200,000 (Plan B) with Income Support Rider Plan B and Catch-All Rider, me and my children

FWD Life PA S$500,000 (Plan C)

FWD Life PA S$500,000 (Plan C), me and my children

FWD Life PA S$500,000 (Plan C) with Income Support Rider Plan C

FWD Life PA S$500,000 (Plan C) with Income Support Rider Plan C, me and my children

FWD Life PA S$500,000 (Plan C) with Catch-All Rider

FWD Life PA S$500,000 (Plan C) with Catch-All Rider, me and my children

FWD Life PA S$500,000 (Plan C) with Income Support Rider Plan C and Catch-All Rider

FWD Life PA S$500,000 (Plan C) with Income Support Rider Plan C and Catch-All Rider, me and my children

Worked examples

Where the figures come from

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