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Personal accident insurance

How QBE 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 11 Oct 2026, the day we read QBE's published rates.

It does not cover these jobs online: Army, navy or air force (regular); Full-time national serviceman (NSF); Police officer; Police, SAF or civil defence (office or admin work only).

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 Prestige Plan A (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 classFigure
Class 1S$205.00
Class 2S$235.00
Class 3S$265.00
Multiplied by
AgeFigure
Up to 70×1.00

Excess None

PA Prestige Plan A, me and my children (S$100,000; each child S$30.52)

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

Base premium
Occupation classFigure
Class 1S$205.00
Class 2S$235.00
Class 3S$265.00
Multiplied by
AgeFigure
Up to 70×1.00
Plus
ChildrenFigure
1S$28.00
2S$56.00
3S$84.00
4S$112.00
5S$140.00
6S$168.00

Excess None

PA Prestige Plan A, 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 classUp to 123
Class 1S$410.00S$440.00S$470.00
Class 2S$440.00S$470.00S$500.00
Class 3S$470.00S$500.00S$530.00
Multiplied by
AgeFigure
Up to 70×1.00

Excess None

PA Prestige Plan A, family (S$100,000 each adult, up to 3 children free; S$30.52 each further child)

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

Base premium
Occupation classby Spouse's occupation classUp to 123
Class 1S$410.00S$440.00S$470.00
Class 2S$440.00S$470.00S$500.00
Class 3S$470.00S$500.00S$530.00
Multiplied by
AgeFigure
Up to 70×1.00
Plus
ChildrenFigure
1 to 3S$0.00
4S$28.00
5S$56.00
6S$84.00

Excess None

PA Prestige Plan B (S$200,000)

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

Base premium
Occupation classFigure
Class 1S$310.00
Class 2S$360.00
Class 3S$405.00
Multiplied by
AgeFigure
Up to 70×1.00

Excess None

PA Prestige Plan B, me and my children (S$200,000; each child S$61.04)

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

Base premium
Occupation classFigure
Class 1S$310.00
Class 2S$360.00
Class 3S$405.00
Multiplied by
AgeFigure
Up to 70×1.00
Plus
ChildrenFigure
1S$56.00
2S$112.00
3S$168.00
4S$224.00
5S$280.00
6S$336.00

Excess None

PA Prestige Plan B, me and my spouse (S$200,000 each adult)

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 classUp to 123
Class 1S$620.00S$670.00S$715.00
Class 2S$670.00S$720.00S$765.00
Class 3S$715.00S$765.00S$810.00
Multiplied by
AgeFigure
Up to 70×1.00

Excess None

PA Prestige Plan B, family (S$200,000 each adult, up to 3 children free; S$61.04 each further child)

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

Base premium
Occupation classby Spouse's occupation classUp to 123
Class 1S$620.00S$670.00S$715.00
Class 2S$670.00S$720.00S$765.00
Class 3S$715.00S$765.00S$810.00
Multiplied by
AgeFigure
Up to 70×1.00
Plus
ChildrenFigure
1 to 3S$0.00
4S$56.00
5S$112.00
6S$168.00

Excess None

PA Prestige Plan C (S$500,000)

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

Base premium
Occupation classFigure
Class 1S$590.00
Class 2S$690.00
Class 3S$780.00
Multiplied by
AgeFigure
Up to 70×1.00

Excess None

PA Prestige Plan C, me and my children (S$500,000; each child S$113.36)

Offered when Who is covered is One adult and children; Sum insured up to S$500,000; Occupation class up to Class 3

Base premium
Occupation classFigure
Class 1S$590.00
Class 2S$690.00
Class 3S$780.00
Multiplied by
AgeFigure
Up to 70×1.00
Plus
ChildrenFigure
1S$104.00
2S$208.00
3S$312.00
4S$416.00
5S$520.00
6S$624.00

Excess None

PA Prestige Plan C, me and my spouse (S$500,000 each adult)

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

Base premium
Occupation classby Spouse's occupation classUp to 123
Class 1S$1,180.00S$1,280.00S$1,370.00
Class 2S$1,280.00S$1,380.00S$1,470.00
Class 3S$1,370.00S$1,470.00S$1,560.00
Multiplied by
AgeFigure
Up to 70×1.00

Excess None

PA Prestige Plan C, family (S$500,000 each adult, up to 3 children free; S$113.36 each further child)

Offered when Who is covered is Two adults and children; Sum insured up to S$500,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3

Base premium
Occupation classby Spouse's occupation classUp to 123
Class 1S$1,180.00S$1,280.00S$1,370.00
Class 2S$1,280.00S$1,380.00S$1,470.00
Class 3S$1,370.00S$1,470.00S$1,560.00
Multiplied by
AgeFigure
Up to 70×1.00
Plus
ChildrenFigure
1 to 3S$0.00
4S$104.00
5S$208.00
6S$312.00

Excess None

PA Prestige Plan D (S$1,000,000)

Offered when Who is covered is One adult; Occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$890.00
Class 2S$1,040.00
Multiplied by
AgeFigure
Up to 70×1.00

Excess None

PA Prestige Plan D, me and my children (S$1,000,000; each child S$247.43)

Offered when Who is covered is One adult and children; Occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$890.00
Class 2S$1,040.00
Multiplied by
AgeFigure
Up to 70×1.00
Plus
ChildrenFigure
1S$227.00
2S$454.00
3S$681.00
4S$908.00
5S$1,135.00
6S$1,362.00

Excess None

PA Prestige Plan D, me and my spouse (S$1,000,000 each adult)

Offered when Who is covered is Two adults; Occupation class up to Class 2; Spouse's occupation class up to Class 2

Base premium
Occupation classby Spouse's occupation classUp to 12
Class 1S$1,780.00S$1,930.00
Class 2S$1,930.00S$2,080.00
Multiplied by
AgeFigure
Up to 70×1.00

Excess None

PA Prestige Plan D, family (S$1,000,000 each adult, up to 3 children free; S$247.43 each further child)

Offered when Who is covered is Two adults and children; Occupation class up to Class 2; Spouse's occupation class up to Class 2

Base premium
Occupation classby Spouse's occupation classUp to 12
Class 1S$1,780.00S$1,930.00
Class 2S$1,930.00S$2,080.00
Multiplied by
AgeFigure
Up to 70×1.00
Plus
ChildrenFigure
1 to 3S$0.00
4S$227.00
5S$454.00
6S$681.00

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.

ExampleAnswersWorkingPremium
Plan A: class 1, S$100,000 (portal: S$205 before GST, S$223.45 payable)PA Prestige Plan A (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Sum insured: S$100,000
  • Occupation class: Class 1
  1. Base S$205.00 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$205.00
  3. + 9% GST = S$223.45
S$223.45
Plan B: class 2, S$200,000 (portal: S$360 before GST, S$392.40 payable)PA Prestige Plan B (S$200,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Sum insured: S$200,000
  • Occupation class: Class 2
  1. Base S$360.00 (Occupation class Class 2)
  2. × 1.00 (Age Up to 70) = S$360.00
  3. + 9% GST = S$392.40
S$392.40
Plan C: class 3, S$500,000 (portal: S$780 before GST, S$850.20 payable)PA Prestige Plan C (S$500,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Sum insured: S$500,000
  • Occupation class: Class 3
  1. Base S$780.00 (Occupation class Class 3)
  2. × 1.00 (Age Up to 70) = S$780.00
  3. + 9% GST = S$850.20
S$850.20
Plan D: class 1, S$500,000 asked (portal: S$890 before GST, S$970.10 payable)PA Prestige Plan D (S$1,000,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Sum insured: S$500,000
  • Occupation class: Class 1
  1. Base S$890.00 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$890.00
  3. + 9% GST = S$970.10
S$970.10
Plan D: class 2, S$500,000 asked (portal: S$1,040 before GST, S$1,133.60 payable)PA Prestige Plan D (S$1,000,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Sum insured: S$500,000
  • Occupation class: Class 2
  1. Base S$1,040.00 (Occupation class Class 2)
  2. × 1.00 (Age Up to 70) = S$1,040.00
  3. + 9% GST = S$1,133.60
S$1,133.60
Plan A, me and 1 child: class 1 (portal: S$233 before GST = S$205 + S$28 child)PA Prestige Plan A, me and my children (S$100,000; each child S$30.52)
  • Age: 30
  • Who is covered: One adult and children
  • Children: 1
  • Sum insured: S$100,000
  • Occupation class: Class 1
  1. Base S$205.00 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$205.00
  3. + S$28.00 (Children 1) = S$233.00
  4. + 9% GST = S$253.97
S$253.97
Show the other 6 examples
ExampleAnswersWorkingPremium
Plan D, me and 1 child: class 1 (portal: S$1,117 before GST = S$890 + S$227 child)PA Prestige Plan D, me and my children (S$1,000,000; each child S$247.43)
  • Age: 30
  • Who is covered: One adult and children
  • Children: 1
  • Sum insured: S$500,000
  • Occupation class: Class 1
  1. Base S$890.00 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$890.00
  3. + S$227.00 (Children 1) = S$1,117.00
  4. + 9% GST = S$1,217.53
S$1,217.53
Plan B, me and 3 children: class 1 (brochure: S$337.90 + 3 x S$61.04)PA Prestige Plan B, me and my children (S$200,000; each child S$61.04)
  • Age: 30
  • Who is covered: One adult and children
  • Children: 3
  • Sum insured: S$200,000
  • Occupation class: Class 1
  1. Base S$310.00 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$310.00
  3. + S$168.00 (Children 3) = S$478.00
  4. + 9% GST = S$521.02
S$521.02
Plan B, me and my spouse: classes 2 and 3 (brochure: S$392.40 + S$441.45)PA Prestige Plan B, 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 2
  • Spouse's occupation class: Class 3
  1. Base S$765.00 (Occupation class Class 2, Spouse's occupation class 3)
  2. × 1.00 (Age Up to 70) = S$765.00
  3. + 9% GST = S$833.85
S$833.85
Plan C, family of 2 adults class 1 and 2 children (portal: S$1,180 before GST, children free)PA Prestige Plan C, family (S$500,000 each adult, up to 3 children free; S$113.36 each further child)
  • 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
  1. Base S$1,180.00 (Occupation class Class 1, Spouse's occupation class Up to 1)
  2. × 1.00 (Age Up to 70) = S$1,180.00
  3. + S$0.00 (Children 2) = S$1,180.00
  4. + 9% GST = S$1,286.20
S$1,286.20
Plan A, family of 2 adults classes 2 and 3 and 4 children (portal: S$528 before GST = S$235 + S$265 + 1 child S$28)PA Prestige Plan A, family (S$100,000 each adult, up to 3 children free; S$30.52 each further child)
  • Age: 30
  • Who is covered: Two adults and children
  • Children: 4
  • Sum insured: S$100,000
  • Occupation class: Class 2
  • Spouse's occupation class: Class 3
  1. Base S$500.00 (Occupation class Class 2, Spouse's occupation class 3)
  2. × 1.00 (Age Up to 70) = S$500.00
  3. + S$28.00 (Children 4) = S$528.00
  4. + 9% GST = S$575.52
S$575.52
Plan C, family of 2 adults classes 2 and 3 and 4 children (portal: S$1,574 before GST = S$690 + S$780 + S$104)PA Prestige Plan C, family (S$500,000 each adult, up to 3 children free; S$113.36 each further child)
  • Age: 30
  • Who is covered: Two adults and children
  • Children: 4
  • Sum insured: S$500,000
  • Occupation class: Class 2
  • Spouse's occupation class: Class 3
  1. Base S$1,470.00 (Occupation class Class 2, Spouse's occupation class 3)
  2. × 1.00 (Age Up to 70) = S$1,470.00
  3. + S$104.00 (Children 4) = S$1,574.00
  4. + 9% GST = S$1,715.66
S$1,715.66

Where the figures come from

Plus 4 files of saved quotes, data and screenshots from QBE's online quote tool, kept with the table.

Before going live the table was read from the published table, checked against the insurer's own online quotes and matched to worked examples in the insurer's brochure.

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