Personal accident insurance
How Lonpac 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 11 Oct 2026, the day we read Lonpac's published rates.
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 1, live since 11 Oct 2026.
Plans and how each is priced
Personal CarePlus Basic (S$100,000)
Offered when Who is covered is One adult; Sum insured up to S$100,000; Occupation class up to Class 2
Base premium S$171.20
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
Excess None
Personal CarePlus Standard (S$200,000)
Offered when Who is covered is One adult; Sum insured up to S$200,000; Occupation class up to Class 2
Base premium S$303.60
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
Excess None
Personal CarePlus Premier (S$300,000)
Offered when Who is covered is One adult; Sum insured up to S$300,000; Occupation class up to Class 2
Base premium S$438.00
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
Excess None
Personal CarePlus Basic, me and my children (S$100,000; each child S$34.24, up to 3)
Offered when Who is covered is One adult and children; Sum insured up to S$100,000; Occupation class up to Class 2; Children up to 3
Base premium S$171.20
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
| Children | Figure |
|---|---|
| 1 | S$34.24 |
| 2 | S$68.48 |
| 3 | S$102.72 |
Excess None
Personal CarePlus Standard, me and my children (S$200,000; each child S$60.72, up to 3)
Offered when Who is covered is One adult and children; Sum insured up to S$200,000; Occupation class up to Class 2; Children up to 3
Base premium S$303.60
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
| Children | Figure |
|---|---|
| 1 | S$60.72 |
| 2 | S$121.44 |
| 3 | S$182.16 |
Excess None
Personal CarePlus Premier, me and my children (S$300,000; each child S$87.60, up to 3)
Offered when Who is covered is One adult and children; Sum insured up to S$300,000; Occupation class up to Class 2; Children up to 3
Base premium S$438.00
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
| Children | Figure |
|---|---|
| 1 | S$87.60 |
| 2 | S$175.20 |
| 3 | S$262.80 |
Excess None
Personal CarePlus Basic, me and my spouse (S$100,000 each adult; spouse 10% off)
Offered when Who is covered is Two adults; Sum insured up to S$100,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2
Base premium S$325.28
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
Excess None
Personal CarePlus Standard, me and my spouse (S$200,000 each adult; spouse 10% off)
Offered when Who is covered is Two adults; Sum insured up to S$200,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2
Base premium S$576.84
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
Excess None
Personal CarePlus Premier, me and my spouse (S$300,000 each adult; spouse 10% off)
Offered when Who is covered is Two adults; Sum insured up to S$300,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2
Base premium S$829.32
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
Excess None
Personal CarePlus Basic, family (S$100,000 each adult, spouse 10% off; each child S$34.24, up to 3)
Offered when Who is covered is Two adults and children; Sum insured up to S$100,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2; Children up to 3
Base premium S$325.28
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
| Children | Figure |
|---|---|
| 1 | S$34.24 |
| 2 | S$68.48 |
| 3 | S$102.72 |
Excess None
Personal CarePlus Standard, family (S$200,000 each adult, spouse 10% off; each child S$60.72, up to 3)
Offered when Who is covered is Two adults and children; Sum insured up to S$200,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2; Children up to 3
Base premium S$576.84
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
| Children | Figure |
|---|---|
| 1 | S$60.72 |
| 2 | S$121.44 |
| 3 | S$182.16 |
Excess None
Personal CarePlus Premier, family (S$300,000 each adult, spouse 10% off; each child S$87.60, up to 3)
Offered when Who is covered is Two adults and children; Sum insured up to S$300,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2; Children up to 3
Base premium S$829.32
| Age | Figure |
|---|---|
| Up to 70 | ×1.00 |
| Children | Figure |
|---|---|
| 1 | S$87.60 |
| 2 | S$175.20 |
| 3 | S$262.80 |
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: class 1, S$100,000 (form: S$171.20 incl. GST)Personal CarePlus Basic (S$100,000) |
|
| S$171.20 |
| Standard: class 2, S$200,000 (form: S$303.60 incl. GST)Personal CarePlus Standard (S$200,000) |
|
| S$303.60 |
| Premier: class 1, S$200,000 asked (form: S$438.00 incl. GST)Personal CarePlus Premier (S$300,000) |
|
| S$438.00 |
| Basic, me and 2 children: class 1 (form: S$171.20 + 2 x S$34.24)Personal CarePlus Basic, me and my children (S$100,000; each child S$34.24, up to 3) |
|
| S$239.68 |
| Standard, me and 3 children: class 2 (form: S$303.60 + 3 x S$60.72)Personal CarePlus Standard, me and my children (S$200,000; each child S$60.72, up to 3) |
|
| S$485.76 |
| Standard, me and my spouse: classes 1 and 2 (form: S$303.60 + S$273.24)Personal CarePlus Standard, me and my spouse (S$200,000 each adult; spouse 10% off) |
|
| S$576.84 |
Show the other 2 examples
| Example | Answers | Working | Premium |
|---|---|---|---|
| Premier, family of 2 adults classes 2 and 1 and 3 children (form: S$438.00 + S$391.32 + 3 x S$87.60)Personal CarePlus Premier, family (S$300,000 each adult, spouse 10% off; each child S$87.60, up to 3) |
|
| S$1,092.12 |
| Basic, family of 2 adults class 1 and 1 child (form: S$171.20 + S$154.08 + S$34.24)Personal CarePlus Basic, family (S$100,000 each adult, spouse 10% off; each child S$34.24, up to 3) |
|
| S$359.52 |
Where the figures come from
- Lonpac Insurance Singapore Pte. Ltd. Personal CarePlus Insurance Application Form PD/PA09/202607/V1 (eligibility, COVER REQUIRED premium table for main insured, spouse and children, notes 1-6, Coverage Summary page 3 ref PLines/PA09/20250909/V1, occupation classes) read 9 Oct 2026
- Lonpac Insurance Singapore Personal CarePlus product page (DNN shell; content is loaded by module APIs) read 9 Oct 2026
- Lonpac Insurance Bhd Personal CarePlus brochure (image PDF dated June 2017, 7% GST premiums S$168 / S$298 / S$430; same coverage summary), kept as corroboration only read 9 Oct 2026
- Lonpac Insurance Singapore All Benefits Personal Accident product page (DNN shell); the product is not on this table (see checks) read 9 Oct 2026
- Lonpac Insurance Singapore Pte. Ltd. Personal Accident Insurance (All Benefits) Application Form PD/PA00/202607/V1 (rates per S$10,000 sum insured by occupation class) read 9 Oct 2026
Plus 2 files of saved quotes, data and screenshots from Lonpac'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.
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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