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Personal accident insurance

How Singlife prices personal accident insurance

Priced online

Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/insurers/singlife/pa

Personal accident insurance promotions today: Etiqa, 30% off; MSIG, 20% off; HL Assurance, 10% off. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.

On 12 Nov 2026, Singlife's lowest personal accident insurance price for accountant, S$200,000 cover is S$423.57 a year (GST included), Personal Accident Standard (S$200,000).

What the figures include

Prices include 9% GST. Singlife's own table is before GST; the prices below and each worked example add it.

Prices from this table are as at 5 Oct 2026, the day we read Singlife's published rates.

The insurer places some jobs in a different occupation class from ours, and prices them in its own: Dentist class 1; Doctor class 1; Sales executive (travels for work) class 1; Chauffeur or private driver class 3; Fitness or gym instructor class 3. It does not cover these jobs online: Aircraft ground crew or technician; 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).

Worth knowing

  • Singlife's own list of jobs it does not cover is wider than the jobs our form names: heavy manual labour, heavy machinery, construction sites, shipyards, offshore work, work at height above 9 metres, welding, woodworking, unskilled labour and other hazardous occupations. A price shown for a job on our form (a carpenter, say) is Singlife's price for that job class; check your own job against Singlife's list when you buy.

Singlife personal accident insurance prices by plan

No excess on any plan.

Every plan takes adults aged 16 to 70 when cover starts. Prices are for an adult aged 30, as our quotes are; age does not change them.

Children, on every plan that covers them with an adult: free.

Premium for each plan by who is covered and job, GST included; a spouse in the same job, one child
Personal AccidentMyselfMe and my spouseMe and my childrenMy family
Class 1Class 2Class 3Class 1Class 2Class 3Class 1Class 2Class 3Class 1Class 2Class 3
Lite (S$100,000)S$285.23S$328.02S$570.46S$513.43S$590.45S$1,026.82S$285.23S$328.02S$570.46S$513.43S$590.45S$1,026.82
Standard (S$200,000)S$423.57S$487.10S$770.13S$762.46S$876.77S$1,386.22S$423.57S$487.10S$770.13S$762.46S$876.77S$1,386.22
Plus (S$300,000)S$637.30S$732.89S$1,108.33S$1,147.14S$1,319.23S$1,995.03S$637.30S$732.89S$1,108.33S$1,147.14S$1,319.23S$1,995.03
Which jobs are in each column
  • Class 1: Accountant, Administrator or clerk, Architect, Auditor, Banker or financial adviser, Business owner (office-based), Civil servant (office-based), Clergy or religious worker, Consultant, Counsellor, psychologist or social worker, Customer service or call centre (indoor), Designer, Engineer (office-based), Homemaker, IT professional or software developer, Lawyer, Manager or executive, Marketing, HR or communications professional, Musician or artist (studio-based), Not working at the moment, Optician or optometrist, Retiree, Sales executive (office-based), Student, Teacher, lecturer or tutor, Trader or broker (financial markets), Editor or writer (office-based), Other office or professional work, Dentist, Doctor, Sales executive (travels for work)
  • Class 2: Caregiver or nanny, Cleaner (home or office), Dance instructor, Domestic helper, Florist, Hairdresser or beautician, Insurance or property agent, Jeweller or goldsmith, Journalist or reporter, Laboratory staff, Nurse (hospital or ward), Nurse (clinic or outpatient), Paramedic or ambulance crew, Pharmacist, Photographer, Property or facilities manager, Retail assistant, Sports coach, Surveyor or draughtsman, Tailor or seamstress, TCM practitioner or acupuncturist, Physiotherapist or other therapist, Tour guide, Veterinarian, Waiter or F&B service staff
  • Class 3: Chauffeur or private driver, Fitness or gym instructor, Bus captain or train operator, Carpenter, Chef or cook, Cleaner (kitchen, outdoor or industrial), Delivery rider, Driver (taxi, private hire, van, lorry), Driving instructor, Electrician, Engineer (site or field-based), Factory worker, Gardener or landscaper, Hawker or stallholder, Mechanic, Painter or interior finisher, Plumber, Renovation contractor, Security officer (unarmed), Supervisor (construction site, workshop or warehouse), Technician, Warehouse or logistics worker, Other light manual work

Worked examples

We check the table against these cases before it goes live: each final price matches the insurer's own price, to the cent unless the example names the insurer's figure and the difference. The working rounds each line to the cent, and a rounding line shows where the insurer, which rounds once at the end, differs from the cent-by-cent sum.

ExampleWorkingPremium
Lite: class 1, age 30, S$100,000 asked Personal Accident Lite (S$100,000)
  1. Base S$261.68 (Occupation class Class 1)
  2. + 9% GST = S$285.23
S$285.23
Lite: class 2, age 45, S$100,000 asked, motorcycle Personal Accident Lite (S$100,000)
  1. Base S$300.94 (Occupation class Class 2)
  2. + 9% GST = S$328.02
S$328.02
Lite: class 3, age 70, S$100,000 asked Personal Accident Lite (S$100,000)
  1. Base S$523.36 (Occupation class Class 3)
  2. + 9% GST = S$570.46
S$570.46
Lite: class 1, age 55, S$100,000 asked, sports Personal Accident Lite (S$100,000)
  1. Base S$261.68 (Occupation class Class 1)
  2. + 9% GST = S$285.23
S$285.23
Standard: class 1, age 30, S$100,000 asked Personal Accident Standard (S$200,000)
  1. Base S$388.60 (Occupation class Class 1)
  2. + 9% GST = S$423.57
S$423.57
Standard: class 2, age 45, S$200,000 asked, motorcycle Personal Accident Standard (S$200,000)
  1. Base S$446.88 (Occupation class Class 2)
  2. + 9% GST = S$487.10
S$487.10
Show the other 25 examples
ExampleWorkingPremium
Standard: class 3, age 70, S$200,000 asked Personal Accident Standard (S$200,000)
  1. Base S$706.54 (Occupation class Class 3)
  2. + 9% GST = S$770.13
S$770.13
Standard: class 1, age 55, S$200,000 asked, sports Personal Accident Standard (S$200,000)
  1. Base S$388.60 (Occupation class Class 1)
  2. + 9% GST = S$423.57
S$423.57
Plus: class 1, age 30, S$100,000 asked Personal Accident Plus (S$300,000)
  1. Base S$584.68 (Occupation class Class 1)
  2. + 9% GST = S$637.30
S$637.30
Plus: class 2, age 45, S$200,000 asked, motorcycle Personal Accident Plus (S$300,000)
  1. Base S$672.38 (Occupation class Class 2)
  2. + 9% GST = S$732.89
S$732.89
Plus: class 3, age 70, S$300,000 asked Personal Accident Plus (S$300,000)
  1. Base S$1,016.82 (Occupation class Class 3)
  2. + 9% GST = S$1,108.33
S$1,108.33
Plus: class 1, age 55, S$200,000 asked, sports Personal Accident Plus (S$300,000)
  1. Base S$584.68 (Occupation class Class 1)
  2. + 9% GST = S$637.30
S$637.30
Lite, me and my children: class 1, 2 children, S$100,000 asked Personal Accident Lite, me and my children (S$100,000)
  1. Base S$261.68 (Occupation class Class 1)
  2. + 9% GST = S$285.23
S$285.23
Lite, me and my spouse: class 1 and class 1, S$100,000 asked Personal Accident Lite, me and my spouse (S$100,000 each adult)
  1. Base S$471.04 (Occupation class Class 1, Spouse's occupation class Up to 1)
  2. + 9% GST = S$513.43
S$513.43
Lite, me and my spouse: class 2 and class 3, S$100,000 asked Personal Accident Lite, me and my spouse (S$100,000 each adult)
  1. Base S$741.88 (Occupation class Class 2, Spouse's occupation class 3)
  2. + 9% GST = S$808.65
S$808.65
Lite, family: class 1 and class 2, 1 child, S$100,000 asked Personal Accident Lite, family (S$100,000 each adult)
  1. Base S$506.36 (Occupation class Class 1, Spouse's occupation class 2)
  2. + 9% GST = S$551.93
S$551.93
Standard, me and my children: class 1, 2 children, S$100,000 asked Personal Accident Standard, me and my children (S$200,000)
  1. Base S$388.60 (Occupation class Class 1)
  2. + 9% GST = S$423.57
S$423.57
Standard, me and my spouse: class 1 and class 1, S$100,000 asked Personal Accident Standard, me and my spouse (S$200,000 each adult)
  1. Base S$699.50 (Occupation class Class 1, Spouse's occupation class Up to 1)
  2. + 9% GST = S$762.46
S$762.46
Standard, me and my spouse: class 2 and class 3, S$200,000 asked Personal Accident Standard, me and my spouse (S$200,000 each adult)
  1. Base S$1,038.08 (Occupation class Class 2, Spouse's occupation class 3)
  2. + 9% GST = S$1,131.51
S$1,131.51
Standard, family: class 1 and class 2, 1 child, S$100,000 asked Personal Accident Standard, family (S$200,000 each adult)
  1. Base S$751.94 (Occupation class Class 1, Spouse's occupation class 2)
  2. + 9% GST = S$819.61
S$819.61
Plus, me and my children: class 1, 2 children, S$100,000 asked Personal Accident Plus, me and my children (S$300,000)
  1. Base S$584.68 (Occupation class Class 1)
  2. + 9% GST = S$637.30
S$637.30
Plus, me and my spouse: class 1 and class 1, S$100,000 asked Personal Accident Plus, me and my spouse (S$300,000 each adult)
  1. Base S$1,052.42 (Occupation class Class 1, Spouse's occupation class Up to 1)
  2. + 9% GST = S$1,147.14
S$1,147.14
Plus, me and my spouse: class 2 and class 3, S$300,000 asked Personal Accident Plus, me and my spouse (S$300,000 each adult)
  1. Base S$1,520.30 (Occupation class Class 2, Spouse's occupation class 3)
  2. + 9% GST = S$1,657.13
S$1,657.13
Plus, family: class 1 and class 2, 1 child, S$100,000 asked Personal Accident Plus, family (S$300,000 each adult)
  1. Base S$1,131.36 (Occupation class Class 1, Spouse's occupation class 2)
  2. + 9% GST = S$1,233.18
S$1,233.18
Lite, a doctor (Singlife class 1, ours 2), S$100,000 asked Personal Accident Lite (S$100,000)
  1. Base S$261.68 (Occupation class Class 1)
  2. + 9% GST = S$285.23
S$285.23
Standard, a fitness instructor (Singlife class 3, ours 2), S$200,000 asked Personal Accident Standard (S$200,000)
  1. Base S$706.54 (Occupation class Class 3)
  2. + 9% GST = S$770.13
S$770.13
Plus, a sales executive who travels for work (Singlife class 1, ours 2), S$50,000 asked Personal Accident Plus (S$300,000)
  1. Base S$584.68 (Occupation class Class 1)
  2. + 9% GST = S$637.30
S$637.30
Lite, me and my spouse: a doctor (Singlife class 1) and a chef, S$100,000 asked Personal Accident Lite, me and my spouse (S$100,000 each adult)
  1. Base S$706.54 (Occupation class Class 1, Spouse's occupation class 3)
  2. + 9% GST = S$770.13
S$770.13
Standard, family: an accountant and a fitness instructor (Singlife class 3), 2 children, S$100,000 asked Personal Accident Standard, family (S$200,000 each adult)
  1. Base S$985.62 (Occupation class Class 1, Spouse's occupation class 3)
  2. + 9% GST = S$1,074.33
S$1,074.33
Lite, a dentist (Singlife class 1, ours 2), S$100,000 asked Personal Accident Lite (S$100,000)
  1. Base S$261.68 (Occupation class Class 1)
  2. + 9% GST = S$285.23
S$285.23
Standard, a chauffeur (Singlife class 3: its example Driver; ours 2), S$200,000 asked Personal Accident Standard (S$200,000)
  1. Base S$706.54 (Occupation class Class 3)
  2. + 9% GST = S$770.13
S$770.13

Download all 31 examples (CSV)

Questions about Singlife personal accident insurance

How much is Singlife personal accident insurance?

On 12 Nov 2026, Singlife's lowest personal accident insurance price for accountant, S$200,000 cover is S$423.57 on Personal Accident Standard (S$200,000) (as at 5 Oct 2026), 20th lowest of 21 insurers we compare. It prices 2 of the 3 examples below.

Is Singlife the cheapest for personal accident insurance?

Not on today's examples: its best place is 20th lowest of 21 insurers. The cheapest for you depends on your own details.

Can I buy Singlife personal accident insurance here?

You compare Singlife beside the other insurers here and buy with the plan's Buy Now link. We do not take payment or issue policies.

Where the figures come from

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

Before going live the table was read from the published table, matched to the insurer's own published documents (brochure, factsheet or policy wording) and checked against the insurer's own online quotes.

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Your own premium depends on your answers. The prices shown are only available through our Buy Now link, which places your policy through Shenton Insurance Brokers. The insurer takes payment and issues the policy.

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