Personal accident insurance

How HL Assurance 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 8 Oct 2026, the day we last checked them against HL Assurance's own online quotes.

The insurer places some jobs in a different occupation class from ours, and prices them in its own: Lifeguard class 3; Security officer (armed) class 3. It does not cover these jobs online: Army, navy or air force (regular); Flight attendant; Full-time national serviceman (NSF); Police officer; Security officer (unarmed).

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 21 Oct 2026.

Plans and how each is priced

Family Protect360 Bronze (S$50,000 an adult)

Promotion

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

Base premium S$85.60

Multiplied by
Occupation class	Figure
Class 1 to Class 3	×1.00

Excess None

Promo code SAVE30: 10% off the list price, then S$30.00 off before GST, no end date given (seen on the insurer's site 19 Oct 2026).

Family Protect360 Silver (S$100,000 an adult)

Promotion

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

Base premium S$171.20

Multiplied by
Occupation class	Figure
Class 1 to Class 3	×1.00

Excess None

Promo code SAVE30: 10% off the list price, then S$30.00 off before GST, no end date given (seen on the insurer's site 19 Oct 2026).

Family Protect360 Premier (S$250,000 an adult)

Promotion

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

Base premium S$538.90

Multiplied by
Occupation class	Figure
Class 1 to Class 3	×1.00

Excess None

Promo code SAVE30: 10% off the list price, then S$30.00 off before GST, no end date given (seen on the insurer's site 19 Oct 2026).

Family Protect360 Platinum (S$350,000 an adult)

Promotion

Offered when Who is covered is One adult; Sum insured up to S$350,000; Occupation class up to Class 3

Base premium S$752.30

Multiplied by
Occupation class	Figure
Class 1 to Class 3	×1.00

Excess None

Promo code SAVE30: 10% off the list price, then S$30.00 off before GST, no end date given (seen on the insurer's site 19 Oct 2026).

Family Protect360 Bronze, Myself With Child(ren) (S$50,000 an adult, S$10,000 a child)

Promotion

Offered when Who is covered is One adult and children; Sum insured up to S$50,000; Occupation class up to Class 3; Children up to 4

Base premium S$171.20

Multiplied by
Occupation class	Figure
Class 1 to Class 3	×1.00

Excess None

Promo code SAVE30: 10% off the list price, then S$30.00 off before GST, no end date given (seen on the insurer's site 19 Oct 2026).

Family Protect360 Silver, Myself With Child(ren) (S$100,000 an adult, S$20,000 a child)

Promotion

Offered when Who is covered is One adult and children; Sum insured up to S$100,000; Occupation class up to Class 3; Children up to 4

Base premium S$342.30

Multiplied by
Occupation class	Figure
Class 1 to Class 3	×1.00

Excess None

Promo code SAVE30: 10% off the list price, then S$30.00 off before GST, no end date given (seen on the insurer's site 19 Oct 2026).

Family Protect360 Premier, Myself With Child(ren) (S$250,000 an adult, S$50,000 a child)

Promotion

Offered when Who is covered is One adult and children; Sum insured up to S$250,000; Occupation class up to Class 3; Children up to 4

Base premium S$1,077.80

Multiplied by
Occupation class	Figure
Class 1 to Class 3	×1.00

Excess None

Promo code SAVE30: 10% off the list price, then S$30.00 off before GST, no end date given (seen on the insurer's site 19 Oct 2026).

Family Protect360 Platinum, Myself With Child(ren) (S$350,000 an adult, S$70,000 a child)

Promotion

Offered when Who is covered is One adult and children; Sum insured up to S$350,000; Occupation class up to Class 3; Children up to 4

Base premium S$1,504.50

Multiplied by
Occupation class	Figure
Class 1 to Class 3	×1.00

Excess None

Promo code SAVE30: 10% off the list price, then S$30.00 off before GST, no end date given (seen on the insurer's site 19 Oct 2026).

Family Protect360 Bronze, Family (me and my spouse; S$50,000 an adult; priced as the Family plan)

Promotion

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 S$171.20

Multiplied by
Occupation class	Figure
Class 1 to Class 3	×1.00

Excess None

Promo code SAVE30: 10% off the list price, then S$30.00 off before GST, no end date given (seen on the insurer's site 19 Oct 2026).

Family Protect360 Silver, Family (me and my spouse; S$100,000 an adult; priced as the Family plan)

Promotion

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

Base premium S$342.30

Multiplied by
Occupation class	Figure
Class 1 to Class 3	×1.00

Excess None

Promo code SAVE30: 10% off the list price, then S$30.00 off before GST, no end date given (seen on the insurer's site 19 Oct 2026).

Family Protect360 Premier, Family (me and my spouse; S$250,000 an adult; priced as the Family plan)

Promotion

Offered when Who is covered is Two adults; Sum insured up to S$250,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3

Base premium S$1,077.80

Multiplied by
Occupation class	Figure
Class 1 to Class 3	×1.00

Excess None

Promo code SAVE30: 10% off the list price, then S$30.00 off before GST, no end date given (seen on the insurer's site 19 Oct 2026).

Family Protect360 Platinum, Family (me and my spouse; S$350,000 an adult; priced as the Family plan)

Promotion

Offered when Who is covered is Two adults; Sum insured up to S$350,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3

Base premium S$1,504.50

Multiplied by
Occupation class	Figure
Class 1 to Class 3	×1.00

Excess None

Promo code SAVE30: 10% off the list price, then S$30.00 off before GST, no end date given (seen on the insurer's site 19 Oct 2026).

Family Protect360 Bronze, Family (S$50,000 an adult, S$10,000 a child)

Promotion

Offered when Who is covered is Two adults and children; Sum insured up to S$50,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Children up to 4

Base premium S$171.20

Multiplied by
Occupation class	Figure
Class 1 to Class 3	×1.00

Excess None

Promo code SAVE30: 10% off the list price, then S$30.00 off before GST, no end date given (seen on the insurer's site 19 Oct 2026).

Family Protect360 Silver, Family (S$100,000 an adult, S$20,000 a child)

Promotion

Offered when Who is covered is Two adults and children; Sum insured up to S$100,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Children up to 4

Base premium S$342.30

Multiplied by
Occupation class	Figure
Class 1 to Class 3	×1.00

Excess None

Promo code SAVE30: 10% off the list price, then S$30.00 off before GST, no end date given (seen on the insurer's site 19 Oct 2026).

Family Protect360 Premier, Family (S$250,000 an adult, S$50,000 a child)

Promotion

Offered when Who is covered is Two adults and children; Sum insured up to S$250,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Children up to 4

Base premium S$1,077.80

Multiplied by
Occupation class	Figure
Class 1 to Class 3	×1.00

Excess None

Promo code SAVE30: 10% off the list price, then S$30.00 off before GST, no end date given (seen on the insurer's site 19 Oct 2026).

Family Protect360 Platinum, Family (S$350,000 an adult, S$70,000 a child)

Promotion

Offered when Who is covered is Two adults and children; Sum insured up to S$350,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Children up to 4

Base premium S$1,504.50

Multiplied by
Occupation class	Figure
Class 1 to Class 3	×1.00

Excess None

Promo code SAVE30: 10% off the list price, then S$30.00 off before GST, no end date given (seen on the insurer's site 19 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.

Example	Answers	Working	Premium
Bronze, Myself: class 1, age 30, S$50,000 askedFamily Protect360 Bronze (S$50,000 an adult)	Who is covered: One adult Children: 0 Sum insured: S$50,000 Occupation class: Class 1	Base S$85.60 × 1.00 (Occupation class Class 1) = S$85.60 + 9% GST = S$93.30	S$93.30S$51.27 with the 10% + S$30.00 promotion
Silver, Myself: class 1, age 30, S$100,000 askedFamily Protect360 Silver (S$100,000 an adult)	Who is covered: One adult Children: 0 Sum insured: S$100,000 Occupation class: Class 1	Base S$171.20 × 1.00 (Occupation class Class 1) = S$171.20 + 9% GST = S$186.61	S$186.61S$135.25 with the 10% + S$30.00 promotion
Premier, Myself: class 1, age 30, S$100,000 askedFamily Protect360 Premier (S$250,000 an adult)	Who is covered: One adult Children: 0 Sum insured: S$100,000 Occupation class: Class 1	Base S$538.90 × 1.00 (Occupation class Class 1) = S$538.90 + 9% GST = S$587.40	S$587.40S$495.96 with the 10% + S$30.00 promotion
Platinum, Myself: class 1, age 30, S$100,000 askedFamily Protect360 Platinum (S$350,000 an adult)	Who is covered: One adult Children: 0 Sum insured: S$100,000 Occupation class: Class 1	Base S$752.30 × 1.00 (Occupation class Class 1) = S$752.30 + 9% GST = S$820.01	S$820.01S$705.31 with the 10% + S$30.00 promotion
Silver, Myself: class 3, age 60, S$100,000 askedFamily Protect360 Silver (S$100,000 an adult)	Who is covered: One adult Children: 0 Sum insured: S$100,000 Occupation class: Class 3	Base S$171.20 × 1.00 (Occupation class Class 3) = S$171.20 + 9% GST = S$186.61	S$186.61S$135.25 with the 10% + S$30.00 promotion
Premier, Myself: class 2, age 64, S$250,000 askedFamily Protect360 Premier (S$250,000 an adult)	Who is covered: One adult Children: 0 Sum insured: S$250,000 Occupation class: Class 2	Base S$538.90 × 1.00 (Occupation class Class 2) = S$538.90 + 9% GST = S$587.40	S$587.40S$495.96 with the 10% + S$30.00 promotion

Show the other 15 examples

Example	Answers	Working	Premium
Bronze, Myself With Child(ren): 1 adult and 1 childFamily Protect360 Bronze, Myself With Child(ren) (S$50,000 an adult, S$10,000 a child)	Who is covered: One adult and children Children: 1 Sum insured: S$50,000 Occupation class: Class 1	Base S$171.20 × 1.00 (Occupation class Class 1) = S$171.20 + 9% GST = S$186.61	S$186.61S$135.25 with the 10% + S$30.00 promotion
Silver, Myself With Child(ren): 1 adult and 1 childFamily Protect360 Silver, Myself With Child(ren) (S$100,000 an adult, S$20,000 a child)	Who is covered: One adult and children Children: 1 Sum insured: S$100,000 Occupation class: Class 1	Base S$342.30 × 1.00 (Occupation class Class 1) = S$342.30 + 9% GST = S$373.11	S$373.11S$303.10 with the 10% + S$30.00 promotion
Premier, Myself With Child(ren): 1 adult and 1 childFamily Protect360 Premier, Myself With Child(ren) (S$250,000 an adult, S$50,000 a child)	Who is covered: One adult and children Children: 1 Sum insured: S$100,000 Occupation class: Class 1	Base S$1,077.80 × 1.00 (Occupation class Class 1) = S$1,077.80 + 9% GST = S$1,174.80	S$1,174.80S$1,024.62 with the 10% + S$30.00 promotion
Platinum, Myself With Child(ren): 1 adult and 1 childFamily Protect360 Platinum, Myself With Child(ren) (S$350,000 an adult, S$70,000 a child)	Who is covered: One adult and children Children: 1 Sum insured: S$100,000 Occupation class: Class 1	Base S$1,504.50 × 1.00 (Occupation class Class 1) = S$1,504.50 + 9% GST = S$1,639.91	S$1,639.91S$1,443.21 with the 10% + S$30.00 promotion
Platinum, Myself With Child(ren): 1 adult and 3 childrenFamily Protect360 Platinum, Myself With Child(ren) (S$350,000 an adult, S$70,000 a child)	Who is covered: One adult and children Children: 3 Sum insured: S$200,000 Occupation class: Class 1	Base S$1,504.50 × 1.00 (Occupation class Class 1) = S$1,504.50 + 9% GST = S$1,639.91	S$1,639.91S$1,443.21 with the 10% + S$30.00 promotion
Silver, Couple: me and my spouseFamily Protect360 Silver, Family (me and my spouse; S$100,000 an adult; priced as the Family plan)	Who is covered: Two adults Children: 0 Sum insured: S$100,000 Occupation class: Class 1 Spouse's occupation class: Class 1	Base S$342.30 × 1.00 (Occupation class Class 1) = S$342.30 + 9% GST = S$373.11	S$373.11S$303.10 with the 10% + S$30.00 promotion
Premier, Couple: me and my spouseFamily Protect360 Premier, Family (me and my spouse; S$250,000 an adult; priced as the Family plan)	Who is covered: Two adults Children: 0 Sum insured: S$200,000 Occupation class: Class 1 Spouse's occupation class: Class 1	Base S$1,077.80 × 1.00 (Occupation class Class 1) = S$1,077.80 + 9% GST = S$1,174.80	S$1,174.80S$1,024.62 with the 10% + S$30.00 promotion
Bronze, Family: 2 adults and 2 childrenFamily Protect360 Bronze, Family (S$50,000 an adult, S$10,000 a child)	Who is covered: Two adults and children Children: 2 Sum insured: S$50,000 Occupation class: Class 1 Spouse's occupation class: Class 1	Base S$171.20 × 1.00 (Occupation class Class 1) = S$171.20 + 9% GST = S$186.61	S$186.61S$135.25 with the 10% + S$30.00 promotion
Silver, Family: 2 adults and 2 childrenFamily Protect360 Silver, Family (S$100,000 an adult, S$20,000 a child)	Who is covered: Two adults and children Children: 2 Sum insured: S$100,000 Occupation class: Class 1 Spouse's occupation class: Class 1	Base S$342.30 × 1.00 (Occupation class Class 1) = S$342.30 + 9% GST = S$373.11	S$373.11S$303.10 with the 10% + S$30.00 promotion
Premier, Family: 2 adults and 2 childrenFamily Protect360 Premier, Family (S$250,000 an adult, S$50,000 a child)	Who is covered: Two adults and children Children: 2 Sum insured: S$100,000 Occupation class: Class 1 Spouse's occupation class: Class 1	Base S$1,077.80 × 1.00 (Occupation class Class 1) = S$1,077.80 + 9% GST = S$1,174.80	S$1,174.80S$1,024.62 with the 10% + S$30.00 promotion
Platinum, Family: 2 adults and 2 childrenFamily Protect360 Platinum, Family (S$350,000 an adult, S$70,000 a child)	Who is covered: Two adults and children Children: 2 Sum insured: S$100,000 Occupation class: Class 1 Spouse's occupation class: Class 1	Base S$1,504.50 × 1.00 (Occupation class Class 1) = S$1,504.50 + 9% GST = S$1,639.91	S$1,639.91S$1,443.21 with the 10% + S$30.00 promotion
Bronze, Myself: a lifeguard (sold by HLA though we hold it class 4)Family Protect360 Bronze (S$50,000 an adult)	Who is covered: One adult Children: 0 Occupation: Lifeguard Sum insured: S$50,000 Occupation class: Class 4	Base S$85.60 × 1.00 (Occupation class Class 3) = S$85.60 + 9% GST = S$93.30	S$93.30S$51.27 with the 10% + S$30.00 promotion
Silver, Family: an accountant, a nurse and 4 childrenFamily Protect360 Silver, Family (S$100,000 an adult, S$20,000 a child)	Who is covered: Two adults and children Children: 4 Occupation: Accountant Sum insured: S$50,000 Occupation class: Class 1 Spouse's occupation: Nurse (hospital or ward) Spouse's occupation class: Class 2	Base S$342.30 × 1.00 (Occupation class Class 1) = S$342.30 + 9% GST = S$373.11	S$373.11S$303.10 with the 10% + S$30.00 promotion
Bronze, Myself: an armed security officer (HLA's Security Armed Guard is not refused; its Security Guard is)Family Protect360 Bronze (S$50,000 an adult)	Who is covered: One adult Children: 0 Occupation: Security officer (armed) Sum insured: S$50,000 Occupation class: Class 4	Base S$85.60 × 1.00 (Occupation class Class 3) = S$85.60 + 9% GST = S$93.30	S$93.30S$51.27 with the 10% + S$30.00 promotion
Bronze, Myself: a police, SAF or civil defence office worker (HLA's Policeman / Military Personnel / Fireman / SCDF (Admin) are not refused)Family Protect360 Bronze (S$50,000 an adult)	Who is covered: One adult Children: 0 Occupation: Police, SAF or civil defence (office or admin work only) Sum insured: S$50,000 Occupation class: Class 3	Base S$85.60 × 1.00 (Occupation class Class 3) = S$85.60 + 9% GST = S$93.30	S$93.30S$51.27 with the 10% + S$30.00 promotion

Where the figures come from

HL Assurance Family Protect360 product page (benefits table Bronze to Diamond, FAQ) read 8 Oct 2026
Family Protect360 policy wording FA072604 read 8 Oct 2026
HL Assurance Accident Protect360 product page (benefits table, no price, no wording, no online quote; not encoded) read 8 Oct 2026

Plus 9 files of saved quotes, data and screenshots from HL Assurance'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.

Compare personal accident quotes HL Assurance personal accident insurance prices today Buy on HL Assurance'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.

HL Assurance promo codes and discounts

What the figures include

Plans and how each is priced

Family Protect360 Bronze (S$50,000 an adult)

Family Protect360 Silver (S$100,000 an adult)

Family Protect360 Premier (S$250,000 an adult)

Family Protect360 Platinum (S$350,000 an adult)

Family Protect360 Bronze, Myself With Child(ren) (S$50,000 an adult, S$10,000 a child)

Family Protect360 Silver, Myself With Child(ren) (S$100,000 an adult, S$20,000 a child)

Family Protect360 Premier, Myself With Child(ren) (S$250,000 an adult, S$50,000 a child)

Family Protect360 Platinum, Myself With Child(ren) (S$350,000 an adult, S$70,000 a child)

Family Protect360 Bronze, Family (me and my spouse; S$50,000 an adult; priced as the Family plan)

Family Protect360 Silver, Family (me and my spouse; S$100,000 an adult; priced as the Family plan)

Family Protect360 Premier, Family (me and my spouse; S$250,000 an adult; priced as the Family plan)

Family Protect360 Platinum, Family (me and my spouse; S$350,000 an adult; priced as the Family plan)

Family Protect360 Bronze, Family (S$50,000 an adult, S$10,000 a child)

Family Protect360 Silver, Family (S$100,000 an adult, S$20,000 a child)

Family Protect360 Premier, Family (S$250,000 an adult, S$50,000 a child)

Family Protect360 Platinum, Family (S$350,000 an adult, S$70,000 a child)

Worked examples

Where the figures come from

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