Personal accident insurance

How MSIG 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 19 Oct 2026, the day we last checked them against MSIG's own online quotes.

The insurer places some jobs in a different occupation class from ours, and prices them in its own: Dentist class 1; Doctor class 1; Nurse (clinic or outpatient) class 1; Nurse (hospital or ward) class 1; Cleaner (kitchen, outdoor or industrial) class 2; Student class 2; Chauffeur or private driver class 3. It does not cover these jobs online: Army, navy or air force (regular); Flight attendant; Full-time national serviceman (NSF); Police officer; Police, SAF or civil defence (office or admin work only). ProtectionPlus does not cover these jobs: Security officer (unarmed). PA PrimePlus (Series II) does not cover these jobs: Homemaker; Not working at the moment; Retiree; Student. PA RecoveryPlus places these jobs in its own class: Butcher class 3; Chauffeur or private driver class 3; Cleaner (kitchen, outdoor or industrial) class 3; Crane or heavy machinery operator class 3; Dance instructor class 3; Fitness or gym instructor class 3; Lifeguard class 3; Paramedic or ambulance crew class 3; Security officer (unarmed) class 3; Sports coach class 3; Veterinarian 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 9, live since 20 Oct 2026.

Plans and how each is priced

ProtectionPlus Silver (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
Occupation class	Figure
Class 1	S$125.35
Class 2	S$154.78
Class 3	S$207.10

Multiplied by
Age	Figure
Up to 59	×1.00
60 to 64	×1.15

Excess None

ProtectionPlus Silver, me and my spouse (S$100,000 each adult)

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
Occupation classby Spouse's occupation class	Up to 1	2	3
Class 1	S$238.17	S$264.65	S$311.74
Class 2	S$267.60	S$294.08	S$341.17
Class 3	S$319.92	S$346.40	S$393.49

Multiplied by
Age	Figure
Up to 59	×1.00
60 to 64	×1.15

Excess None

ProtectionPlus Silver, me and my children (S$100,000)

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 3

Base premium
Occupation class	Figure
Class 1	S$125.35
Class 2	S$154.78
Class 3	S$207.10

Multiplied by
Age	Figure
Up to 59	×1.00
60 to 64	×1.15

Plus
Children	Figure
1	S$10.90
2	S$21.80
3	S$32.70

Excess None

ProtectionPlus Silver, my family (S$100,000 each adult)

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 3

Base premium
Occupation classby Spouse's occupation class	Up to 1	2	3
Class 1	S$238.17	S$264.65	S$311.74
Class 2	S$267.60	S$294.08	S$341.17
Class 3	S$319.92	S$346.40	S$393.49

Multiplied by
Age	Figure
Up to 59	×1.00
60 to 64	×1.15

Excess None

ProtectionPlus Gold (S$150,000)

Offered when Who is covered is One adult; Sum insured up to S$150,000; Occupation class up to Class 3

Base premium
Occupation class	Figure
Class 1	S$212.55
Class 2	S$261.60
Class 3	S$354.25

Multiplied by
Age	Figure
Up to 59	×1.00
60 to 64	×1.15

Excess None

ProtectionPlus Gold, me and my spouse (S$150,000 each adult)

Offered when Who is covered is Two adults; Sum insured up to S$150,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3

Base premium
Occupation classby Spouse's occupation class	Up to 1	2	3
Class 1	S$403.85	S$447.99	S$531.38
Class 2	S$452.90	S$497.04	S$580.43
Class 3	S$545.55	S$589.69	S$673.08

Multiplied by
Age	Figure
Up to 59	×1.00
60 to 64	×1.15

Excess None

ProtectionPlus Gold, me and my children (S$150,000)

Offered when Who is covered is One adult and children; Sum insured up to S$150,000; Occupation class up to Class 3; Children up to 3

Base premium
Occupation class	Figure
Class 1	S$212.55
Class 2	S$261.60
Class 3	S$354.25

Multiplied by
Age	Figure
Up to 59	×1.00
60 to 64	×1.15

Plus
Children	Figure
1	S$16.35
2	S$32.70
3	S$49.05

Excess None

ProtectionPlus Gold, my family (S$150,000 each adult)

Offered when Who is covered is Two adults and children; Sum insured up to S$150,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Children up to 3

Base premium
Occupation classby Spouse's occupation class	Up to 1	2	3
Class 1	S$403.85	S$447.99	S$531.38
Class 2	S$452.90	S$497.04	S$580.43
Class 3	S$545.55	S$589.69	S$673.08

Multiplied by
Age	Figure
Up to 59	×1.00
60 to 64	×1.15

Excess None

ProtectionPlus Platinum (S$250,000)

Offered when Who is covered is One adult; Sum insured up to S$250,000; Occupation class up to Class 2

Base premium
Occupation class	Figure
Class 1	S$354.25
Class 2	S$436.00

Multiplied by
Age	Figure
Up to 59	×1.00
60 to 64	×1.15

Excess None

ProtectionPlus Platinum, me and my spouse (S$250,000 each adult)

Offered when Who is covered is Two adults; Sum insured up to S$250,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2

Base premium
Occupation classby Spouse's occupation class	Up to 1	2
Class 1	S$673.08	S$746.65
Class 2	S$754.83	S$828.40

Multiplied by
Age	Figure
Up to 59	×1.00
60 to 64	×1.15

Excess None

ProtectionPlus Platinum, me and my children (S$250,000)

Offered when Who is covered is One adult and children; Sum insured up to S$250,000; Occupation class up to Class 2; Children up to 3

Base premium
Occupation class	Figure
Class 1	S$354.25
Class 2	S$436.00

Multiplied by
Age	Figure
Up to 59	×1.00
60 to 64	×1.15

Plus
Children	Figure
1	S$27.25
2	S$54.50
3	S$81.75

Excess None

ProtectionPlus Platinum, my family (S$250,000 each adult)

Offered when Who is covered is Two adults and children; Sum insured up to S$250,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2; Children up to 3

Base premium
Occupation classby Spouse's occupation class	Up to 1	2
Class 1	S$673.08	S$746.65
Class 2	S$754.83	S$828.40

Multiplied by
Age	Figure
Up to 59	×1.00
60 to 64	×1.15

Excess None

PA PrimePlus (Series II) Silver (S$500,000)

Promotion

Offered when Who is covered is One adult; Sum insured up to S$500,000; Occupation class up to Class 1

Base premium S$381.50

Excess None

15% off the list price until 31 Oct 2026.

PA PrimePlus (Series II) Silver, me and my spouse (S$500,000; spouse S$250,000)

Promotion

Offered when Who is covered is Two adults; Sum insured up to S$500,000; Occupation class up to Class 1; Spouse's occupation class up to Class 1

Base premium S$495.95

Excess None

15% off the list price until 31 Oct 2026.

PA PrimePlus (Series II) Silver, my family (S$500,000; spouse S$250,000)

Promotion

Offered when Who is covered is Two adults and children; Sum insured up to S$500,000; Occupation class up to Class 1; Spouse's occupation class up to Class 1

Base premium S$495.95

Excess None

15% off the list price until 31 Oct 2026.

PA PrimePlus (Series II) Gold (S$1,000,000)

Promotion

Offered when Who is covered is One adult; Sum insured up to S$1,000,000; Occupation class up to Class 1

Base premium S$695.42

Excess None

15% off the list price until 31 Oct 2026.

PA PrimePlus (Series II) Gold, me and my spouse (S$1,000,000; spouse S$500,000)

Promotion

Offered when Who is covered is Two adults; Sum insured up to S$1,000,000; Occupation class up to Class 1; Spouse's occupation class up to Class 1

Base premium S$904.05

Excess None

15% off the list price until 31 Oct 2026.

PA PrimePlus (Series II) Gold, my family (S$1,000,000; spouse S$500,000)

Promotion

Offered when Who is covered is Two adults and children; Sum insured up to S$1,000,000; Occupation class up to Class 1; Spouse's occupation class up to Class 1

Base premium S$904.05

Excess None

15% off the list price until 31 Oct 2026.

PA RecoveryPlus Silver (S$100,000)

Promotion

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$225.09
Class 3	S$434.69

Excess None

20% off the list price until 31 Oct 2026.

PA RecoveryPlus Silver, me and my spouse (S$100,000 each adult)

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
Occupation classby Spouse's occupation class	Up to 1	2	3
Class 1	S$427.72	S$427.72	S$616.29
Class 2	S$427.72	S$427.72	S$616.29
Class 3	S$637.32	S$637.32	S$825.89

Excess None

20% off the list price until 31 Oct 2026.

PA RecoveryPlus Silver, me and my children (S$100,000)

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 5

Base premium
Occupation class	Figure
Class 1 to Class 2	S$225.09
Class 3	S$434.69

Plus
Children	Figure
1	S$123.17
2	S$246.34
3	S$369.51
4	S$492.68
5	S$615.85

Excess None

20% off the list price until 31 Oct 2026.

PA RecoveryPlus Silver, my family (S$100,000 each adult)

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 5

Base premium
Occupation classby Spouse's occupation class	Up to 1	2	3
Class 1	S$427.72	S$427.72	S$616.29
Class 2	S$427.72	S$427.72	S$616.29
Class 3	S$637.32	S$637.32	S$825.89

Plus
Children	Figure
1	S$123.17
2	S$246.34
3	S$369.51
4	S$492.68
5	S$615.85

Excess None

20% off the list price until 31 Oct 2026.

PA RecoveryPlus Gold (S$200,000)

Promotion

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

Base premium
Occupation class	Figure
Class 1 to Class 2	S$403.41
Class 3	S$789.05

Excess None

20% off the list price until 31 Oct 2026.

PA RecoveryPlus Gold, me and my spouse (S$200,000 each adult)

Promotion

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

Base premium
Occupation classby Spouse's occupation class	Up to 1	2	3
Class 1	S$766.49	S$766.49	S$1,113.65
Class 2	S$766.49	S$766.49	S$1,113.65
Class 3	S$1,152.13	S$1,152.13	S$1,499.29

Excess None

20% off the list price until 31 Oct 2026.

PA RecoveryPlus Gold, me and my children (S$200,000)

Promotion

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

Base premium
Occupation class	Figure
Class 1 to Class 2	S$403.41
Class 3	S$789.05

Plus
Children	Figure
1	S$160.67
2	S$321.33
3	S$482.00
4	S$642.66
5	S$803.33

Excess None

20% off the list price until 31 Oct 2026.

PA RecoveryPlus Gold, my family (S$200,000 each adult)

Promotion

Offered when Who is covered is Two adults and children; Sum insured up to S$200,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Children up to 5

Base premium
Occupation classby Spouse's occupation class	Up to 1	2	3
Class 1	S$766.49	S$766.49	S$1,113.65
Class 2	S$766.49	S$766.49	S$1,113.65
Class 3	S$1,152.13	S$1,152.13	S$1,499.29

Plus
Children	Figure
1	S$160.67
2	S$321.33
3	S$482.00
4	S$642.66
5	S$803.33

Excess None

20% off the list price until 31 Oct 2026.

PA RecoveryPlus Platinum (S$300,000)

Promotion

Offered when Who is covered is One adult; Sum insured up to S$300,000; Occupation class up to Class 2

Base premium
Occupation class	Figure
Class 1 to Class 2	S$535.84

Excess None

20% off the list price until 31 Oct 2026.

PA RecoveryPlus Platinum, me and my spouse (S$300,000 each adult)

Promotion

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
Occupation classby Spouse's occupation class	Up to 1	2
Class 1	S$1,018.06	S$1,018.06
Class 2	S$1,018.06	S$1,018.06

Excess None

20% off the list price until 31 Oct 2026.

PA RecoveryPlus Platinum, me and my children (S$300,000)

Promotion

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 5

Base premium
Occupation class	Figure
Class 1 to Class 2	S$535.84

Plus
Children	Figure
1	S$208.52
2	S$417.04
3	S$625.55
4	S$834.07
5	S$1,042.59

Excess None

20% off the list price until 31 Oct 2026.

PA RecoveryPlus Platinum, my family (S$300,000 each adult)

Promotion

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 5

Base premium
Occupation classby Spouse's occupation class	Up to 1	2
Class 1	S$1,018.06	S$1,018.06
Class 2	S$1,018.06	S$1,018.06

Plus
Children	Figure
1	S$208.52
2	S$417.04
3	S$625.55
4	S$834.07
5	S$1,042.59

Excess None

20% off the list price until 31 Oct 2026.

Also from MSIG, not sold online

PA PrimePlus (Series II) Platinum (S$2,000,000): On MSIG's portal beside Silver and Gold, at S$1,372.31 a year for one adult (S$1,166.46 with the 15% online promotion), but only for someone whose latest Notice of Assessment shows an annual income of at least S$180,000, sent within 14 days or the policy is moved to Gold. We do not ask your income, so it is not priced here; ask us or MSIG for it. More on MSIG's site

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
PA PrimePlus Silver, one adult, class 1, S$500,000PA PrimePlus (Series II) Silver (S$500,000)	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$500,000 Occupation class: Class 1	Base S$381.50 GST is included: S$381.50	S$381.50S$324.28 with the 15% promotion
PA PrimePlus Silver, one adult, class 1, S$100,000 (plan above the ask)PA PrimePlus (Series II) Silver (S$500,000)	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$100,000 Occupation class: Class 1	Base S$381.50 GST is included: S$381.50	S$381.50S$324.28 with the 15% promotion
PA PrimePlus Silver, me and my spouse, class 1, S$500,000PA PrimePlus (Series II) Silver, me and my spouse (S$500,000; spouse S$250,000)	Age: 30 Who is covered: Two adults Children: 0 Sum insured: S$500,000 Occupation class: Class 1 Spouse's occupation class: Class 1	Base S$495.95 GST is included: S$495.95	S$495.95S$421.56 with the 15% promotion
PA PrimePlus Silver, my family (2 adults, 2 children), class 1, S$500,000PA PrimePlus (Series II) Silver, my family (S$500,000; spouse S$250,000)	Age: 30 Who is covered: Two adults and children Children: 2 Sum insured: S$500,000 Occupation class: Class 1 Spouse's occupation class: Class 1	Base S$495.95 GST is included: S$495.95	S$495.95S$421.56 with the 15% promotion
PA PrimePlus Silver, my family (2 adults, 5 children), class 1, S$300,000PA PrimePlus (Series II) Silver, my family (S$500,000; spouse S$250,000)	Age: 30 Who is covered: Two adults and children Children: 5 Sum insured: S$300,000 Occupation class: Class 1 Spouse's occupation class: Class 1	Base S$495.95 GST is included: S$495.95	S$495.95S$421.56 with the 15% promotion
PA PrimePlus Gold, one adult, class 1, S$500,000PA PrimePlus (Series II) Gold (S$1,000,000)	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$500,000 Occupation class: Class 1	Base S$695.42 GST is included: S$695.42	S$695.42S$591.11 with the 15% promotion

Show the other 50 examples

Example	Answers	Working	Premium
PA PrimePlus Gold, one adult, class 1, S$100,000 (plan above the ask)PA PrimePlus (Series II) Gold (S$1,000,000)	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$100,000 Occupation class: Class 1	Base S$695.42 GST is included: S$695.42	S$695.42S$591.11 with the 15% promotion
PA PrimePlus Gold, me and my spouse, class 1, S$500,000PA PrimePlus (Series II) Gold, me and my spouse (S$1,000,000; spouse S$500,000)	Age: 30 Who is covered: Two adults Children: 0 Sum insured: S$500,000 Occupation class: Class 1 Spouse's occupation class: Class 1	Base S$904.05 GST is included: S$904.05	S$904.05S$768.44 with the 15% promotion
PA PrimePlus Gold, my family (2 adults, 2 children), class 1, S$500,000PA PrimePlus (Series II) Gold, my family (S$1,000,000; spouse S$500,000)	Age: 30 Who is covered: Two adults and children Children: 2 Sum insured: S$500,000 Occupation class: Class 1 Spouse's occupation class: Class 1	Base S$904.05 GST is included: S$904.05	S$904.05S$768.44 with the 15% promotion
PA PrimePlus Gold, my family (2 adults, 5 children), class 1, S$300,000PA PrimePlus (Series II) Gold, my family (S$1,000,000; spouse S$500,000)	Age: 30 Who is covered: Two adults and children Children: 5 Sum insured: S$300,000 Occupation class: Class 1 Spouse's occupation class: Class 1	Base S$904.05 GST is included: S$904.05	S$904.05S$768.44 with the 15% promotion
PA RecoveryPlus Silver, one adult, class 1 (Group A)PA RecoveryPlus Silver (S$100,000)	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$100,000 Occupation class: Class 1	Base S$225.09 (Occupation class Class 1) GST is included: S$225.09	S$225.09S$180.07 with the 20% promotion
PA RecoveryPlus Silver, one adult, class 2 (Group A)PA RecoveryPlus Silver (S$100,000)	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$100,000 Occupation class: Class 2	Base S$225.09 (Occupation class Class 2) GST is included: S$225.09	S$225.09S$180.07 with the 20% promotion
PA RecoveryPlus Silver, one adult, class 3 (Group B)PA RecoveryPlus Silver (S$100,000)	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$100,000 Occupation class: Class 3	Base S$434.69 (Occupation class Class 3) GST is included: S$434.69	S$434.69S$347.75 with the 20% promotion
PA RecoveryPlus Silver, me and my spouse, class 3 and class 1PA RecoveryPlus Silver, me and my spouse (S$100,000 each adult)	Age: 30 Who is covered: Two adults Children: 0 Sum insured: S$100,000 Occupation class: Class 3 Spouse's occupation class: Class 1	Base S$637.32 (Occupation class Class 3, Spouse's occupation class Up to 1) GST is included: S$637.32	S$637.32S$509.86 with the 20% promotion
PA RecoveryPlus Silver, me and my spouse, both class 1PA RecoveryPlus Silver, me and my spouse (S$100,000 each adult)	Age: 30 Who is covered: Two adults Children: 0 Sum insured: S$100,000 Occupation class: Class 1 Spouse's occupation class: Class 1	Base S$427.72 (Occupation class Class 1, Spouse's occupation class Up to 1) GST is included: S$427.72	S$427.72S$342.18 with the 20% promotion
PA RecoveryPlus Silver, me and 2 children, class 1PA RecoveryPlus Silver, me and my children (S$100,000)	Age: 30 Who is covered: One adult and children Children: 2 Sum insured: S$100,000 Occupation class: Class 1	Base S$225.09 (Occupation class Class 1) + S$246.34 (Children 2) = S$471.43 GST is included: S$471.43	S$471.43S$377.14 with the 20% promotion
PA RecoveryPlus Silver, my family, class 1 and class 2, 5 childrenPA RecoveryPlus Silver, my family (S$100,000 each adult)	Age: 30 Who is covered: Two adults and children Children: 5 Sum insured: S$100,000 Occupation class: Class 1 Spouse's occupation class: Class 2	Base S$427.72 (Occupation class Class 1, Spouse's occupation class 2) + S$615.85 (Children 5) = S$1,043.57 GST is included: S$1,043.57	S$1,043.57S$834.86 with the 20% promotion
PA RecoveryPlus Gold, one adult, class 1 (Group A)PA RecoveryPlus Gold (S$200,000)	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$200,000 Occupation class: Class 1	Base S$403.41 (Occupation class Class 1) GST is included: S$403.41	S$403.41S$322.73 with the 20% promotion
PA RecoveryPlus Gold, one adult, class 2 (Group A)PA RecoveryPlus Gold (S$200,000)	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$200,000 Occupation class: Class 2	Base S$403.41 (Occupation class Class 2) GST is included: S$403.41	S$403.41S$322.73 with the 20% promotion
PA RecoveryPlus Gold, one adult, class 3 (Group B)PA RecoveryPlus Gold (S$200,000)	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$200,000 Occupation class: Class 3	Base S$789.05 (Occupation class Class 3) GST is included: S$789.05	S$789.05S$631.24 with the 20% promotion
PA RecoveryPlus Gold, me and my spouse, class 3 and class 1PA RecoveryPlus Gold, me and my spouse (S$200,000 each adult)	Age: 30 Who is covered: Two adults Children: 0 Sum insured: S$200,000 Occupation class: Class 3 Spouse's occupation class: Class 1	Base S$1,152.13 (Occupation class Class 3, Spouse's occupation class Up to 1) GST is included: S$1,152.13	S$1,152.13S$921.70 with the 20% promotion
PA RecoveryPlus Gold, me and my spouse, both class 1PA RecoveryPlus Gold, me and my spouse (S$200,000 each adult)	Age: 30 Who is covered: Two adults Children: 0 Sum insured: S$200,000 Occupation class: Class 1 Spouse's occupation class: Class 1	Base S$766.49 (Occupation class Class 1, Spouse's occupation class Up to 1) GST is included: S$766.49	S$766.49S$613.19 with the 20% promotion
PA RecoveryPlus Gold, me and 2 children, class 1PA RecoveryPlus Gold, me and my children (S$200,000)	Age: 30 Who is covered: One adult and children Children: 2 Sum insured: S$200,000 Occupation class: Class 1	Base S$403.41 (Occupation class Class 1) + S$321.33 (Children 2) = S$724.74 GST is included: S$724.74	S$724.74S$579.79 with the 20% promotion
PA RecoveryPlus Gold, my family, class 1 and class 2, 5 childrenPA RecoveryPlus Gold, my family (S$200,000 each adult)	Age: 30 Who is covered: Two adults and children Children: 5 Sum insured: S$200,000 Occupation class: Class 1 Spouse's occupation class: Class 2	Base S$766.49 (Occupation class Class 1, Spouse's occupation class 2) + S$803.33 (Children 5) = S$1,569.82 GST is included: S$1,569.82	S$1,569.82S$1,255.86 with the 20% promotion
PA RecoveryPlus Platinum, one adult, class 1 (Group A)PA RecoveryPlus Platinum (S$300,000)	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$300,000 Occupation class: Class 1	Base S$535.84 (Occupation class Class 1) GST is included: S$535.84	S$535.84S$428.67 with the 20% promotion
PA RecoveryPlus Platinum, one adult, class 2 (Group A)PA RecoveryPlus Platinum (S$300,000)	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$300,000 Occupation class: Class 2	Base S$535.84 (Occupation class Class 2) GST is included: S$535.84	S$535.84S$428.67 with the 20% promotion
PA RecoveryPlus Platinum, me and my spouse, both class 1PA RecoveryPlus Platinum, me and my spouse (S$300,000 each adult)	Age: 30 Who is covered: Two adults Children: 0 Sum insured: S$300,000 Occupation class: Class 1 Spouse's occupation class: Class 1	Base S$1,018.06 (Occupation class Class 1, Spouse's occupation class Up to 1) GST is included: S$1,018.06	S$1,018.06S$814.45 with the 20% promotion
PA RecoveryPlus Platinum, me and 2 children, class 1PA RecoveryPlus Platinum, me and my children (S$300,000)	Age: 30 Who is covered: One adult and children Children: 2 Sum insured: S$300,000 Occupation class: Class 1	Base S$535.84 (Occupation class Class 1) + S$417.04 (Children 2) = S$952.88 GST is included: S$952.88	S$952.88S$762.30 with the 20% promotion
PA RecoveryPlus Platinum, my family, class 1 and class 2, 5 childrenPA RecoveryPlus Platinum, my family (S$300,000 each adult)	Age: 30 Who is covered: Two adults and children Children: 5 Sum insured: S$300,000 Occupation class: Class 1 Spouse's occupation class: Class 2	Base S$1,018.06 (Occupation class Class 1, Spouse's occupation class 2) + S$1,042.59 (Children 5) = S$2,060.65 GST is included: S$2,060.65	S$2,060.65S$1,648.52 with the 20% promotion
ProtectionPlus Silver, one adult, group 1, S$100,000ProtectionPlus Silver (S$100,000)	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$100,000 Occupation class: Class 1	Base S$125.35 (Occupation class Class 1) × 1.00 (Age Up to 59) = S$125.35 GST is included: S$125.35	S$125.35
ProtectionPlus Silver, one adult, group 1, S$50,000 (plan above the ask)ProtectionPlus Silver (S$100,000)	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$50,000 Occupation class: Class 1	Base S$125.35 (Occupation class Class 1) × 1.00 (Age Up to 59) = S$125.35 GST is included: S$125.35	S$125.35
ProtectionPlus Gold, one adult, group 2, S$100,000ProtectionPlus Gold (S$150,000)	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$100,000 Occupation class: Class 2	Base S$261.60 (Occupation class Class 2) × 1.00 (Age Up to 59) = S$261.60 GST is included: S$261.60	S$261.60
ProtectionPlus Platinum, one adult, group 2, S$200,000ProtectionPlus Platinum (S$250,000)	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$200,000 Occupation class: Class 2	Base S$436.00 (Occupation class Class 2) × 1.00 (Age Up to 59) = S$436.00 GST is included: S$436.00	S$436.00
ProtectionPlus Silver, one adult, group 3ProtectionPlus Silver (S$100,000)	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$100,000 Occupation class: Class 3	Base S$207.10 (Occupation class Class 3) × 1.00 (Age Up to 59) = S$207.10 GST is included: S$207.10	S$207.10
ProtectionPlus Gold, one adult, group 3ProtectionPlus Gold (S$150,000)	Age: 30 Who is covered: One adult Children: 0 Sum insured: S$150,000 Occupation class: Class 3	Base S$354.25 (Occupation class Class 3) × 1.00 (Age Up to 59) = S$354.25 GST is included: S$354.25	S$354.25
ProtectionPlus Silver, one adult, group 1, age 60 (15% more)ProtectionPlus Silver (S$100,000)	Age: 60 Who is covered: One adult Children: 0 Sum insured: S$100,000 Occupation class: Class 1	Base S$125.35 (Occupation class Class 1) × 1.15 (Age 60 to 64) = S$144.15 GST is included: S$144.15	S$144.15
ProtectionPlus Silver, me and my spouse, group 1 and group 2ProtectionPlus Silver, me and my spouse (S$100,000 each adult)	Age: 30 Who is covered: Two adults Children: 0 Sum insured: S$100,000 Occupation class: Class 1 Spouse's occupation class: Class 2	Base S$264.65 (Occupation class Class 1, Spouse's occupation class 2) × 1.00 (Age Up to 59) = S$264.65 GST is included: S$264.65	S$264.65
ProtectionPlus Silver, me and my spouse, both group 2ProtectionPlus Silver, me and my spouse (S$100,000 each adult)	Age: 30 Who is covered: Two adults Children: 0 Sum insured: S$100,000 Occupation class: Class 2 Spouse's occupation class: Class 2	Base S$294.08 (Occupation class Class 2, Spouse's occupation class 2) × 1.00 (Age Up to 59) = S$294.08 GST is included: S$294.08	S$294.08
ProtectionPlus Gold, me and my spouse, both group 3ProtectionPlus Gold, me and my spouse (S$150,000 each adult)	Age: 30 Who is covered: Two adults Children: 0 Sum insured: S$150,000 Occupation class: Class 3 Spouse's occupation class: Class 3	Base S$673.08 (Occupation class Class 3, Spouse's occupation class 3) × 1.00 (Age Up to 59) = S$673.08 GST is included: S$673.08	S$673.08
ProtectionPlus Platinum, me and my spouse, group 2 and group 1ProtectionPlus Platinum, me and my spouse (S$250,000 each adult)	Age: 30 Who is covered: Two adults Children: 0 Sum insured: S$200,000 Occupation class: Class 2 Spouse's occupation class: Class 1	Base S$754.83 (Occupation class Class 2, Spouse's occupation class Up to 1) × 1.00 (Age Up to 59) = S$754.83 GST is included: S$754.83	S$754.83
ProtectionPlus Gold, my family, group 2 and group 3, 2 childrenProtectionPlus Gold, my family (S$150,000 each adult)	Age: 30 Who is covered: Two adults and children Children: 2 Sum insured: S$150,000 Occupation class: Class 2 Spouse's occupation class: Class 3	Base S$580.43 (Occupation class Class 2, Spouse's occupation class 3) × 1.00 (Age Up to 59) = S$580.43 GST is included: S$580.43	S$580.43
ProtectionPlus Platinum, my family, both group 1, 3 childrenProtectionPlus Platinum, my family (S$250,000 each adult)	Age: 30 Who is covered: Two adults and children Children: 3 Sum insured: S$200,000 Occupation class: Class 1 Spouse's occupation class: Class 1	Base S$673.08 (Occupation class Class 1, Spouse's occupation class Up to 1) × 1.00 (Age Up to 59) = S$673.08 GST is included: S$673.08	S$673.08
ProtectionPlus Silver, me and 3 children, group 1ProtectionPlus Silver, me and my children (S$100,000)	Age: 30 Who is covered: One adult and children Children: 3 Sum insured: S$100,000 Occupation class: Class 1	Base S$125.35 (Occupation class Class 1) × 1.00 (Age Up to 59) = S$125.35 + S$32.70 (Children 3) = S$158.05 GST is included: S$158.05	S$158.05
ProtectionPlus Gold, me and 2 children, group 3ProtectionPlus Gold, me and my children (S$150,000)	Age: 30 Who is covered: One adult and children Children: 2 Sum insured: S$150,000 Occupation class: Class 3	Base S$354.25 (Occupation class Class 3) × 1.00 (Age Up to 59) = S$354.25 + S$32.70 (Children 2) = S$386.95 GST is included: S$386.95	S$386.95
ProtectionPlus Platinum, me and 1 child, group 1ProtectionPlus Platinum, me and my children (S$250,000)	Age: 30 Who is covered: One adult and children Children: 1 Sum insured: S$200,000 Occupation class: Class 1	Base S$354.25 (Occupation class Class 1) × 1.00 (Age Up to 59) = S$354.25 + S$27.25 (Children 1) = S$381.50 GST is included: S$381.50	S$381.50
ProtectionPlus Silver, a doctor (MSIG group 1)ProtectionPlus Silver (S$100,000)	Age: 30 Who is covered: One adult Children: 0 Occupation: Doctor Sum insured: S$100,000 Occupation class: Class 2	Base S$125.35 (Occupation class Class 1) × 1.00 (Age Up to 59) = S$125.35 GST is included: S$125.35	S$125.35
ProtectionPlus Gold, a student (MSIG group 2)ProtectionPlus Gold (S$150,000)	Age: 30 Who is covered: One adult Children: 0 Occupation: Student Sum insured: S$150,000 Occupation class: Class 1	Base S$261.60 (Occupation class Class 2) × 1.00 (Age Up to 59) = S$261.60 GST is included: S$261.60	S$261.60
ProtectionPlus Gold, me and my spouse, a nurse (group 1) and a cleaner (group 2)ProtectionPlus Gold, me and my spouse (S$150,000 each adult)	Age: 30 Who is covered: Two adults Children: 0 Occupation: Nurse (hospital or ward) Sum insured: S$150,000 Occupation class: Class 2 Spouse's occupation: Cleaner (kitchen, outdoor or industrial) Spouse's occupation class: Class 3	Base S$447.99 (Occupation class Class 1, Spouse's occupation class 2) × 1.00 (Age Up to 59) = S$447.99 GST is included: S$447.99	S$447.99
PA PrimePlus Silver, a doctor (professional; MSIG group 1)PA PrimePlus (Series II) Silver (S$500,000)	Age: 30 Who is covered: One adult Children: 0 Occupation: Doctor Sum insured: S$500,000 Occupation class: Class 2	Base S$381.50 GST is included: S$381.50	S$381.50S$324.28 with the 15% promotion
PA RecoveryPlus Silver, a vet (Group B)PA RecoveryPlus Silver (S$100,000)	Age: 30 Who is covered: One adult Children: 0 Occupation: Veterinarian Sum insured: S$100,000 Occupation class: Class 2	Base S$434.69 (Occupation class Class 3) GST is included: S$434.69	S$434.69S$347.75 with the 20% promotion
PA RecoveryPlus Gold, a security officer (Group B)PA RecoveryPlus Gold (S$200,000)	Age: 30 Who is covered: One adult Children: 0 Occupation: Security officer (unarmed) Sum insured: S$200,000 Occupation class: Class 3	Base S$789.05 (Occupation class Class 3) GST is included: S$789.05	S$789.05S$631.24 with the 20% promotion
PA RecoveryPlus Silver, a butcher (Group B)PA RecoveryPlus Silver (S$100,000)	Age: 30 Who is covered: One adult Children: 0 Occupation: Butcher Sum insured: S$100,000 Occupation class: Class 4	Base S$434.69 (Occupation class Class 3) GST is included: S$434.69	S$434.69S$347.75 with the 20% promotion
PA RecoveryPlus Silver, me and my spouse, a student (Group A) and a fitness instructor (Group B)PA RecoveryPlus Silver, me and my spouse (S$100,000 each adult)	Age: 30 Who is covered: Two adults Children: 0 Occupation: Student Sum insured: S$100,000 Occupation class: Class 1 Spouse's occupation: Fitness or gym instructor Spouse's occupation class: Class 2	Base S$616.29 (Occupation class Class 2, Spouse's occupation class 3) GST is included: S$616.29	S$616.29S$493.03 with the 20% promotion
ProtectionPlus Gold, a chauffeur (MSIG group 3, like its drivers)ProtectionPlus Gold (S$150,000)	Age: 30 Who is covered: One adult Children: 0 Occupation: Chauffeur or private driver Sum insured: S$150,000 Occupation class: Class 2	Base S$354.25 (Occupation class Class 3) × 1.00 (Age Up to 59) = S$354.25 GST is included: S$354.25	S$354.25
ProtectionPlus Silver, a dentist (MSIG group 1, a non-veterinary surgeon)ProtectionPlus Silver (S$100,000)	Age: 30 Who is covered: One adult Children: 0 Occupation: Dentist Sum insured: S$100,000 Occupation class: Class 2	Base S$125.35 (Occupation class Class 1) × 1.00 (Age Up to 59) = S$125.35 GST is included: S$125.35	S$125.35
PA RecoveryPlus Silver, a dance instructor (Group B)PA RecoveryPlus Silver (S$100,000)	Age: 30 Who is covered: One adult Children: 0 Occupation: Dance instructor Sum insured: S$100,000 Occupation class: Class 2	Base S$434.69 (Occupation class Class 3) GST is included: S$434.69	S$434.69S$347.75 with the 20% promotion

Where the figures come from

MSIG ProtectionPlus product page read 5 Oct 2026
MSIG ProtectionPlus brochure QPA191224, benefits and annual premiums read 5 Oct 2026
MSIG ProtectionPlus insurance policy QPA052304 read 5 Oct 2026
MSIG ProtectionPlus application form QPA161023A read 5 Oct 2026
MSIG PA PrimePlus (Series II) product page (benefit table, FAQs) read 5 Oct 2026
PA PrimePlus (Series II) factsheet (sums by age band, spouse at 50%, free children) read 11 Oct 2026
PA PrimePlus (Series II) direct application form QPE010625A (no premium table; eligibility notes) read 11 Oct 2026
PA PrimePlus (Series II) policy wording QPE012506 read 11 Oct 2026
PA PrimePlus promotion page (15% off, ends 31 Oct 2026) read 11 Oct 2026
PA PrimePlus Select Plan step, Silver with Spouse cover selected, as rendered on 11 Oct 2026 read 11 Oct 2026
PA PrimePlus Select Plan step, Gold with Spouse cover selected, as rendered on 11 Oct 2026 read 11 Oct 2026
Terms & Conditions of PA PrimePlus (Series II) Online Promotion (1 Jul to 30 Nov 2026, 15%) read 11 Oct 2026
MSIG PA RecoveryPlus product page (benefit tables for adult, child and parent cover, FAQs on Group A / B) read 5 Oct 2026
PA RecoveryPlus brochure PRP021224 read 11 Oct 2026
PA RecoveryPlus Occupational Category Guide (Group A and Group B categories, excluded occupations) read 11 Oct 2026
PA RecoveryPlus policy wording QPC022410 read 11 Oct 2026
PA RecoveryPlus promotion page (20% off, ends 31 Oct 2026) read 11 Oct 2026
Terms & Conditions of PA RecoveryPlus Online Promotion (1 Aug to 30 Nov 2026, 20%) read 11 Oct 2026

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

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

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What the figures include

Plans and how each is priced

ProtectionPlus Silver (S$100,000)

ProtectionPlus Silver, me and my spouse (S$100,000 each adult)

ProtectionPlus Silver, me and my children (S$100,000)

ProtectionPlus Silver, my family (S$100,000 each adult)

ProtectionPlus Gold (S$150,000)

ProtectionPlus Gold, me and my spouse (S$150,000 each adult)

ProtectionPlus Gold, me and my children (S$150,000)

ProtectionPlus Gold, my family (S$150,000 each adult)

ProtectionPlus Platinum (S$250,000)

ProtectionPlus Platinum, me and my spouse (S$250,000 each adult)

ProtectionPlus Platinum, me and my children (S$250,000)

ProtectionPlus Platinum, my family (S$250,000 each adult)

PA PrimePlus (Series II) Silver (S$500,000)

PA PrimePlus (Series II) Silver, me and my spouse (S$500,000; spouse S$250,000)

PA PrimePlus (Series II) Silver, my family (S$500,000; spouse S$250,000)

PA PrimePlus (Series II) Gold (S$1,000,000)

PA PrimePlus (Series II) Gold, me and my spouse (S$1,000,000; spouse S$500,000)

PA PrimePlus (Series II) Gold, my family (S$1,000,000; spouse S$500,000)

PA RecoveryPlus Silver (S$100,000)

PA RecoveryPlus Silver, me and my spouse (S$100,000 each adult)

PA RecoveryPlus Silver, me and my children (S$100,000)

PA RecoveryPlus Silver, my family (S$100,000 each adult)

PA RecoveryPlus Gold (S$200,000)

PA RecoveryPlus Gold, me and my spouse (S$200,000 each adult)

PA RecoveryPlus Gold, me and my children (S$200,000)

PA RecoveryPlus Gold, my family (S$200,000 each adult)

PA RecoveryPlus Platinum (S$300,000)

PA RecoveryPlus Platinum, me and my spouse (S$300,000 each adult)

PA RecoveryPlus Platinum, me and my children (S$300,000)

PA RecoveryPlus Platinum, my family (S$300,000 each adult)

Also from MSIG, not sold online

Worked examples

Where the figures come from

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