Personal accident insurance
How Income 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 16 Oct 2026, the day we read Income's published rates.
The insurer places some jobs in a different occupation class from ours, and prices them in its own: Butcher class 3; Construction worker class 3; Crane or heavy machinery operator class 3; Firefighter or civil defence officer class 3; Lifeguard class 3; Security officer (armed) class 3; Welder class 3.
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 3, live since 20 Oct 2026.
Plans and how each is priced
PA Assurance Basic (S$100,000)
Offered when Who is covered is One adult; Sum insured up to S$100,000; Occupation class up to Class 3
Base premium S$214.00
Excess None
PA Assurance Basic, me and my spouse (S$100,000 each)
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$214.00
Multiplied by ×2.00
Excess None
PA Assurance Basic, me and my children (S$100,000; each child 40% off)
Offered when Who is covered is One adult and children; Children up to 4; Sum insured up to S$100,000; Occupation class up to Class 3
Base premium S$214.00
Plus S$128.40, multiplied by a factor for each of 4 children values (1, 2, 3, 4).
Excess None
PA Assurance Basic, family (S$100,000 each adult; each child 40% off)
Offered when Who is covered is Two adults and children; Children up to 4; Sum insured up to S$100,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3
Base premium S$214.00
Multiplied by ×2.00
Plus S$128.40, multiplied by a factor for each of 4 children values (1, 2, 3, 4).
Excess None
PA Assurance Basic, children only (S$100,000 each child, full price)
Offered when Who is covered is Children only; Children up to 4
Base premium S$214.00
| Children | Figure |
|---|---|
| 1 | ×1.00 |
| 2 | ×2.00 |
| 3 | ×3.00 |
| 4 | ×4.00 |
Excess None
PA Assurance Basic with infectious disease cover (S$100,000)
Offered when Who is covered is One adult; Sum insured up to S$100,000; Occupation class up to Class 3
Base premium S$234.00
Excess None
PA Assurance Basic with infectious disease cover, me and my spouse (S$100,000 each)
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$234.00
Multiplied by ×2.00
Excess None
PA Assurance Basic with infectious disease cover, me and my children (S$100,000; each child 40% off)
Offered when Who is covered is One adult and children; Children up to 4; Sum insured up to S$100,000; Occupation class up to Class 3
Base premium S$234.00
Plus S$140.40, multiplied by a factor for each of 4 children values (1, 2, 3, 4).
Excess None
PA Assurance Basic with infectious disease cover, family (S$100,000 each adult; each child 40% off)
Offered when Who is covered is Two adults and children; Children up to 4; Sum insured up to S$100,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3
Base premium S$234.00
Multiplied by ×2.00
Plus S$140.40, multiplied by a factor for each of 4 children values (1, 2, 3, 4).
Excess None
PA Assurance Basic with infectious disease cover, children only (S$100,000 each child, full price)
Offered when Who is covered is Children only; Children up to 4
Base premium S$234.00
| Children | Figure |
|---|---|
| 1 | ×1.00 |
| 2 | ×2.00 |
| 3 | ×3.00 |
| 4 | ×4.00 |
Excess None
PA Assurance Classic (S$200,000)
Offered when Who is covered is One adult; Sum insured up to S$200,000; Occupation class up to Class 3; Occupation is one of 91 listed values
Base premium S$332.00
Excess None
PA Assurance Classic, me and my spouse (S$200,000 each)
Offered when Who is covered is Two adults; Sum insured up to S$200,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Occupation is one of 91 listed values; Spouse's occupation is one of 91 listed values
Base premium S$332.00
Multiplied by ×2.00
Excess None
PA Assurance Classic, me and my children (S$200,000; each child 40% off)
Offered when Who is covered is One adult and children; Children up to 4; Sum insured up to S$200,000; Occupation class up to Class 3; Occupation is one of 91 listed values
Base premium S$332.00
Plus S$199.20, multiplied by a factor for each of 4 children values (1, 2, 3, 4).
Excess None
PA Assurance Classic, family (S$200,000 each adult; each child 40% off)
Offered when Who is covered is Two adults and children; Children up to 4; Sum insured up to S$200,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Occupation is one of 91 listed values; Spouse's occupation is one of 91 listed values
Base premium S$332.00
Multiplied by ×2.00
Plus S$199.20, multiplied by a factor for each of 4 children values (1, 2, 3, 4).
Excess None
PA Assurance Classic, children only (S$200,000 each child, full price)
Offered when Who is covered is Children only; Children up to 4
Base premium S$332.00
| Children | Figure |
|---|---|
| 1 | ×1.00 |
| 2 | ×2.00 |
| 3 | ×3.00 |
| 4 | ×4.00 |
Excess None
PA Assurance Classic with infectious disease cover (S$200,000)
Offered when Who is covered is One adult; Sum insured up to S$200,000; Occupation class up to Class 3; Occupation is one of 91 listed values
Base premium S$376.00
Excess None
PA Assurance Classic with infectious disease cover, me and my spouse (S$200,000 each)
Offered when Who is covered is Two adults; Sum insured up to S$200,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Occupation is one of 91 listed values; Spouse's occupation is one of 91 listed values
Base premium S$376.00
Multiplied by ×2.00
Excess None
PA Assurance Classic with infectious disease cover, me and my children (S$200,000; each child 40% off)
Offered when Who is covered is One adult and children; Children up to 4; Sum insured up to S$200,000; Occupation class up to Class 3; Occupation is one of 91 listed values
Base premium S$376.00
Plus S$225.60, multiplied by a factor for each of 4 children values (1, 2, 3, 4).
Excess None
PA Assurance Classic with infectious disease cover, family (S$200,000 each adult; each child 40% off)
Offered when Who is covered is Two adults and children; Children up to 4; Sum insured up to S$200,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Occupation is one of 91 listed values; Spouse's occupation is one of 91 listed values
Base premium S$376.00
Multiplied by ×2.00
Plus S$225.60, multiplied by a factor for each of 4 children values (1, 2, 3, 4).
Excess None
PA Assurance Classic with infectious disease cover, children only (S$200,000 each child, full price)
Offered when Who is covered is Children only; Children up to 4
Base premium S$376.00
| Children | Figure |
|---|---|
| 1 | ×1.00 |
| 2 | ×2.00 |
| 3 | ×3.00 |
| 4 | ×4.00 |
Excess None
PA Assurance Superior (S$300,000)
Offered when Who is covered is One adult; Sum insured up to S$300,000; Occupation class up to Class 3; Occupation is one of 91 listed values
Base premium S$440.00
Excess None
PA Assurance Superior, me and my spouse (S$300,000 each)
Offered when Who is covered is Two adults; Sum insured up to S$300,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Occupation is one of 91 listed values; Spouse's occupation is one of 91 listed values
Base premium S$440.00
Multiplied by ×2.00
Excess None
PA Assurance Superior, me and my children (S$300,000; each child 40% off)
Offered when Who is covered is One adult and children; Children up to 4; Sum insured up to S$300,000; Occupation class up to Class 3; Occupation is one of 91 listed values
Base premium S$440.00
Plus S$264.00, multiplied by a factor for each of 4 children values (1, 2, 3, 4).
Excess None
PA Assurance Superior, family (S$300,000 each adult; each child 40% off)
Offered when Who is covered is Two adults and children; Children up to 4; Sum insured up to S$300,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Occupation is one of 91 listed values; Spouse's occupation is one of 91 listed values
Base premium S$440.00
Multiplied by ×2.00
Plus S$264.00, multiplied by a factor for each of 4 children values (1, 2, 3, 4).
Excess None
PA Assurance Superior, children only (S$300,000 each child, full price)
Offered when Who is covered is Children only; Children up to 4
Base premium S$440.00
| Children | Figure |
|---|---|
| 1 | ×1.00 |
| 2 | ×2.00 |
| 3 | ×3.00 |
| 4 | ×4.00 |
Excess None
PA Assurance Superior with infectious disease cover (S$300,000)
Offered when Who is covered is One adult; Sum insured up to S$300,000; Occupation class up to Class 3; Occupation is one of 91 listed values
Base premium S$507.00
Excess None
PA Assurance Superior with infectious disease cover, me and my spouse (S$300,000 each)
Offered when Who is covered is Two adults; Sum insured up to S$300,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Occupation is one of 91 listed values; Spouse's occupation is one of 91 listed values
Base premium S$507.00
Multiplied by ×2.00
Excess None
PA Assurance Superior with infectious disease cover, me and my children (S$300,000; each child 40% off)
Offered when Who is covered is One adult and children; Children up to 4; Sum insured up to S$300,000; Occupation class up to Class 3; Occupation is one of 91 listed values
Base premium S$507.00
Plus S$304.20, multiplied by a factor for each of 4 children values (1, 2, 3, 4).
Excess None
PA Assurance Superior with infectious disease cover, family (S$300,000 each adult; each child 40% off)
Offered when Who is covered is Two adults and children; Children up to 4; Sum insured up to S$300,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Occupation is one of 91 listed values; Spouse's occupation is one of 91 listed values
Base premium S$507.00
Multiplied by ×2.00
Plus S$304.20, multiplied by a factor for each of 4 children values (1, 2, 3, 4).
Excess None
PA Assurance Superior with infectious disease cover, children only (S$300,000 each child, full price)
Offered when Who is covered is Children only; Children up to 4
Base premium S$507.00
| Children | Figure |
|---|---|
| 1 | ×1.00 |
| 2 | ×2.00 |
| 3 | ×3.00 |
| 4 | ×4.00 |
Excess None
PA Assurance Premium (S$500,000)
Offered when Who is covered is One adult; Sum insured up to S$500,000; Occupation class up to Class 3; Occupation is one of 83 listed values
Base premium S$750.00
Excess None
PA Assurance Premium, me and my spouse (S$500,000 each)
Offered when Who is covered is Two adults; Sum insured up to S$500,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Occupation is one of 83 listed values; Spouse's occupation is one of 83 listed values
Base premium S$750.00
Multiplied by ×2.00
Excess None
PA Assurance Premium with infectious disease cover (S$500,000)
Offered when Who is covered is One adult; Sum insured up to S$500,000; Occupation class up to Class 3; Occupation is one of 83 listed values
Base premium S$864.00
Excess None
PA Assurance Premium with infectious disease cover, me and my spouse (S$500,000 each)
Offered when Who is covered is Two adults; Sum insured up to S$500,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Occupation is one of 83 listed values; Spouse's occupation is one of 83 listed values
Base premium S$864.00
Multiplied by ×2.00
Excess None
PA Assurance Prestige (S$1,000,000)
Offered when Who is covered is One adult; Sum insured up to S$1,000,000; Occupation class up to Class 3; Occupation is one of 17 listed values
Base premium S$959.00
Excess None
PA Assurance Prestige, me and my spouse (S$1,000,000 each)
Offered when Who is covered is Two adults; Sum insured up to S$1,000,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Occupation is one of 17 listed values; Spouse's occupation is one of 17 listed values
Base premium S$959.00
Multiplied by ×2.00
Excess None
PA Assurance Prestige with infectious disease cover (S$1,000,000)
Offered when Who is covered is One adult; Sum insured up to S$1,000,000; Occupation class up to Class 3; Occupation is one of 17 listed values
Base premium S$1,102.00
Excess None
PA Assurance Prestige with infectious disease cover, me and my spouse (S$1,000,000 each)
Offered when Who is covered is Two adults; Sum insured up to S$1,000,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Occupation is one of 17 listed values; Spouse's occupation is one of 17 listed values
Base premium S$1,102.00
Multiplied by ×2.00
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 |
|---|---|---|---|
| Basic, one adult (buy flow: S$233.26 a year)PA Assurance Basic (S$100,000) |
|
| S$233.26 |
| Prestige, one adult, S$500,000 asked (brochure: S$1,045.31)PA Assurance Prestige (S$1,000,000) |
|
| S$1,045.31 |
| Basic with infectious disease cover, one adult (brochure: S$255.06)PA Assurance Basic with infectious disease cover (S$100,000) |
|
| S$255.06 |
| Superior, me and my spouse (API: S$959.20)PA Assurance Superior, me and my spouse (S$300,000 each) |
|
| S$959.20 |
| Classic, me and 2 children (API: S$796.14 — each child 40% off)PA Assurance Classic, me and my children (S$200,000; each child 40% off) |
|
| S$796.14 |
| Basic, 2 children only (full price each: no discount without a parent)PA Assurance Basic, children only (S$100,000 each child, full price) |
|
| S$466.52 |
Show the other 7 examples
| Example | Answers | Working | Premium |
|---|---|---|---|
| Premium with infectious disease cover, one adult (brochure: S$941.76)PA Assurance Premium with infectious disease cover (S$500,000) |
|
| S$941.76 |
| Superior, a welder (our class 4; Income sells to S$500,000 at its one price)PA Assurance Superior (S$300,000) |
|
| S$479.60 |
| Basic, a firefighter and a construction worker (Income caps both at S$300,000)PA Assurance Basic, me and my spouse (S$100,000 each) |
|
| S$466.52 |
| Superior, an armed security officer (our class 4; Income caps Security Guard (Armed) at S$300,000)PA Assurance Superior (S$300,000) |
|
| S$479.60 |
| Prestige, an editor or writer (Income Editor, capped at S$1,000,000)PA Assurance Prestige (S$1,000,000) |
|
| S$1,045.31 |
| Basic, a domestic helper (Income caps Domestic Helper at S$100,000, Basic only)PA Assurance Basic (S$100,000) |
|
| S$233.26 |
| Basic, me and 4 children (the most the buy flow takes)PA Assurance Basic, me and my children (S$100,000; each child 40% off) |
|
| S$793.08 |
Where the figures come from
- PA Assurance buy flow, plan-selection step: Basic S$233.26 / Classic S$361.88 / Superior S$479.60 a year shown (incl. GST), with the key-benefits table; Premium and Prestige are not sold online read 16 Oct 2026
- PA Assurance brochure (13 Feb 2026): the public premium table for all five plans with and without infectious disease cover, the table of cover, the 40% child discount and eligibility notes read 16 Oct 2026
- PA Assurance product summary 202602A: eligibility (15 days to 70, Singapore identification, 180-day trips) read 16 Oct 2026
- PA Assurance policy conditions 202602A: the excluded occupations (our class 4), racing and ATV exclusions, and the infectious disease epidemic/pandemic carve-out read 16 Oct 2026
Plus 4 files of saved quotes, data and screenshots from Income's online quote tool, kept with the table.
Before going live the table was checked against the insurer's own online quotes and read from the published table.
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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