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Personal accident insurance

How Sompo 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 9 Oct 2026, the day we read Sompo'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; Full-time national serviceman (NSF) class 1; Nurse (clinic or outpatient) class 1; Pharmacist class 1; Police, SAF or civil defence (office or admin work only) class 1; Retail assistant class 1; Tailor or seamstress class 1; Engineer (office-based) class 2; Engineer (site or field-based) class 2; Factory worker class 2; Musician or artist (studio-based) class 2; Painter or interior finisher class 2; Security officer (unarmed) class 2; Butcher class 3; Fitness or gym instructor class 3; Lifeguard class 3; Sports coach class 3; Veterinarian class 3. It does not cover these jobs online: Army, navy or air force (regular); Flight attendant; Police officer. PAStar does not cover these jobs: Full-time national serviceman (NSF).

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 8, live since 20 Oct 2026.

Plans and how each is priced

PAStar Deluxe (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$196.20
Class 2S$239.80
Class 3S$468.70
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PAStar Deluxe, me and my children (S$100,000; each child S$47.96)

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$196.20
Class 2S$239.80
Class 3S$468.70
Multiplied by
AgeFigure
Up to 65×1.00
Plus
ChildrenFigure
1S$47.96
2S$95.92
3S$143.88
4S$191.84
5S$239.80
6S$287.76

Excess None

PAStar Deluxe, 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$392.40S$436.00S$664.90
Class 2S$436.00S$479.60S$708.50
Class 3S$664.90S$708.50S$937.40
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PAStar Deluxe, family (S$100,000 each adult, up to 3 children free)

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 classUp to 123
Class 1S$392.40S$436.00S$664.90
Class 2S$436.00S$479.60S$708.50
Class 3S$664.90S$708.50S$937.40
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PAStar Elite (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
Occupation classFigure
Class 1S$316.10
Class 2S$386.95
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PAStar Elite, me and my children (S$200,000; each child S$80.66)

Offered when Who is covered is One adult and children; Sum insured up to S$200,000; Occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$316.10
Class 2S$386.95
Multiplied by
AgeFigure
Up to 65×1.00
Plus
ChildrenFigure
1S$80.66
2S$161.32
3S$241.98
4S$322.64
5S$403.30
6S$483.96

Excess None

PAStar Elite, 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 2; Spouse's occupation class up to Class 2

Base premium
Occupation classby Spouse's occupation classUp to 12
Class 1S$632.20S$703.05
Class 2S$703.05S$773.90
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PAStar Elite, family (S$200,000 each adult, up to 3 children free)

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
Occupation classby Spouse's occupation classUp to 12
Class 1S$632.20S$703.05
Class 2S$703.05S$773.90
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PAStar Elite Plus (S$500,000)

Offered when Who is covered is One adult; Sum insured up to S$500,000; Occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$720.49
Class 2S$800.06
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PAStar Elite Plus, me and my children (S$500,000; each child S$80.66)

Offered when Who is covered is One adult and children; Sum insured up to S$500,000; Occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$720.49
Class 2S$800.06
Multiplied by
AgeFigure
Up to 65×1.00
Plus
ChildrenFigure
1S$80.66
2S$161.32
3S$241.98
4S$322.64
5S$403.30
6S$483.96

Excess None

PAStar Elite Plus, 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 2; Spouse's occupation class up to Class 2

Base premium
Occupation classby Spouse's occupation classUp to 12
Class 1S$1,440.98S$1,520.55
Class 2S$1,520.55S$1,600.12
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PAStar Elite Plus, family (S$500,000 each adult, up to 3 children free)

Offered when Who is covered is Two adults and children; Sum insured up to S$500,000; 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 classUp to 12
Class 1S$1,440.98S$1,520.55
Class 2S$1,520.55S$1,600.12
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PA Ease Plan 1 (S$50,000)

Offered when Who is covered is One adult; Sum insured up to S$50,000; Occupation class up to Class 3

Base premium
Occupation classFigure
Class 1 to Class 2S$95.92
Class 3S$130.80
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PA Ease Plan 1, me and my children (S$50,000; each child S$47.96)

Offered when Who is covered is One adult and children; Sum insured up to S$50,000; Occupation class up to Class 3

Base premium
Occupation classFigure
Class 1 to Class 2S$95.92
Class 3S$130.80
Multiplied by
AgeFigure
Up to 65×1.00
Plus
ChildrenFigure
1S$47.96
2S$95.92
3S$143.88
4S$191.84
5S$239.80
6S$287.76

Excess None

PA Ease Plan 1, me and my spouse (S$50,000 each adult)

Offered when Who is covered is Two adults; Sum insured up to S$50,000; 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$191.84S$191.84S$226.72
Class 2S$191.84S$191.84S$226.72
Class 3S$226.72S$226.72S$261.60
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PA Ease Plan 1, family (S$50,000 each adult; each child S$47.96)

Offered when Who is covered is Two adults and children; Sum insured up to S$50,000; 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$191.84S$191.84S$226.72
Class 2S$191.84S$191.84S$226.72
Class 3S$226.72S$226.72S$261.60
Multiplied by
AgeFigure
Up to 65×1.00
Plus
ChildrenFigure
1S$47.96
2S$95.92
3S$143.88
4S$191.84
5S$239.80
6S$287.76

Excess None

PA Ease Plan 2 (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 1 to Class 2S$154.78
Class 3S$233.26
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PA Ease Plan 2, me and my children (S$100,000; each child S$77.39)

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 1 to Class 2S$154.78
Class 3S$233.26
Multiplied by
AgeFigure
Up to 65×1.00
Plus
ChildrenFigure
1S$77.39
2S$154.78
3S$232.17
4S$309.56
5S$386.95
6S$464.34

Excess None

PA Ease Plan 2, 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$309.56S$309.56S$388.04
Class 2S$309.56S$309.56S$388.04
Class 3S$388.04S$388.04S$466.52
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PA Ease Plan 2, family (S$100,000 each adult; each child S$77.39)

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$309.56S$309.56S$388.04
Class 2S$309.56S$309.56S$388.04
Class 3S$388.04S$388.04S$466.52
Multiplied by
AgeFigure
Up to 65×1.00
Plus
ChildrenFigure
1S$77.39
2S$154.78
3S$232.17
4S$309.56
5S$386.95
6S$464.34

Excess None

PA Ease Plan 3 (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 classFigure
Class 1 to Class 2S$265.96
Class 3S$327.00
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PA Ease Plan 3, me and my children (S$150,000; each child S$132.98)

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

Base premium
Occupation classFigure
Class 1 to Class 2S$265.96
Class 3S$327.00
Multiplied by
AgeFigure
Up to 65×1.00
Plus
ChildrenFigure
1S$132.98
2S$265.96
3S$398.94
4S$531.92
5S$664.90
6S$797.88

Excess None

PA Ease Plan 3, 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 classUp to 123
Class 1S$531.92S$531.92S$592.96
Class 2S$531.92S$531.92S$592.96
Class 3S$592.96S$592.96S$654.00
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PA Ease Plan 3, family (S$150,000 each adult; each child S$132.98)

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

Base premium
Occupation classby Spouse's occupation classUp to 123
Class 1S$531.92S$531.92S$592.96
Class 2S$531.92S$531.92S$592.96
Class 3S$592.96S$592.96S$654.00
Multiplied by
AgeFigure
Up to 65×1.00
Plus
ChildrenFigure
1S$132.98
2S$265.96
3S$398.94
4S$531.92
5S$664.90
6S$797.88

Excess None

PAJunior Bunny (S$10,000 each child; first child S$152.60, then 10% off)

Offered when Who is covered is Children only

Base premium
ChildrenFigure
1S$152.60
2S$289.94
3S$427.28
4S$564.62
5S$701.96
6S$839.30
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PAJunior Teddy (S$35,000 each child; first child S$250.70, then 10% off)

Offered when Who is covered is Children only

Base premium
ChildrenFigure
1S$250.70
2S$476.33
3S$701.96
4S$927.59
5S$1,153.22
6S$1,378.85
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PAJunior Jumbo (S$50,000 each child; first child S$354.25, then 10% off)

Offered when Who is covered is Children only

Base premium
ChildrenFigure
1S$354.25
2S$673.08
3S$991.91
4S$1,310.74
5S$1,629.57
6S$1,948.40
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

Also from Sompo, not sold online

PAStar Elite Max (S$1,000,000): In Sompo's brochure (class 1 S$1,106.35, class 2 S$1,193.55 a year per adult) but not on its online quotation, which offers Deluxe, Elite and Elite Plus; ask Sompo or a broker for it. More on Sompo'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.

ExampleAnswersWorkingPremium
PAStar Deluxe: class 1, S$100,000PAStar Deluxe (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Sum insured: S$100,000
  • Occupation class: Class 1
  1. Base S$196.20 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$196.20
  3. GST is included: S$196.20
S$196.20
PAStar Deluxe: class 3, S$100,000PAStar Deluxe (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Sum insured: S$100,000
  • Occupation class: Class 3
  1. Base S$468.70 (Occupation class Class 3)
  2. × 1.00 (Age Up to 65) = S$468.70
  3. GST is included: S$468.70
S$468.70
PAStar Elite, me and 2 children: class 2, S$200,000PAStar Elite, me and my children (S$200,000; each child S$80.66)
  • Age: 30
  • Who is covered: One adult and children
  • Children: 2
  • Sum insured: S$200,000
  • Occupation class: Class 2
  1. Base S$386.95 (Occupation class Class 2)
  2. × 1.00 (Age Up to 65) = S$386.95
  3. + S$161.32 (Children 2) = S$548.27
  4. GST is included: S$548.27
S$548.27
PAStar Elite Plus, me and my spouse: class 1 and class 2, S$500,000PAStar Elite Plus, me and my spouse (S$500,000 each adult)
  • Age: 30
  • Who is covered: Two adults
  • Children: 0
  • Sum insured: S$500,000
  • Occupation class: Class 1
  • Spouse's occupation class: Class 2
  1. Base S$1,520.55 (Occupation class Class 1, Spouse's occupation class 2)
  2. × 1.00 (Age Up to 65) = S$1,520.55
  3. GST is included: S$1,520.55
S$1,520.55
PAStar Elite Plus, family with 3 children: class 1 and class 1, S$50,000 askedPAStar Elite Plus, family (S$500,000 each adult, up to 3 children free)
  • Age: 30
  • Who is covered: Two adults and children
  • Children: 3
  • Sum insured: S$50,000
  • Occupation class: Class 1
  • Spouse's occupation class: Class 1
  1. Base S$1,440.98 (Occupation class Class 1, Spouse's occupation class Up to 1)
  2. × 1.00 (Age Up to 65) = S$1,440.98
  3. GST is included: S$1,440.98
S$1,440.98
PAStar Deluxe: a doctor (Sompo class 1), S$50,000PAStar Deluxe (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Doctor
  • Sum insured: S$50,000
  • Occupation class: Class 2
  1. Base S$196.20 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$196.20
  3. GST is included: S$196.20
S$196.20
Show the other 13 examples
ExampleAnswersWorkingPremium
PAStar Deluxe: a veterinarian (Sompo class 3), S$50,000PAStar Deluxe (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Veterinarian
  • Sum insured: S$50,000
  • Occupation class: Class 2
  1. Base S$468.70 (Occupation class Class 3)
  2. × 1.00 (Age Up to 65) = S$468.70
  3. GST is included: S$468.70
S$468.70
PAStar Deluxe: a lifeguard (Sompo class 3), S$50,000PAStar Deluxe (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Lifeguard
  • Sum insured: S$50,000
  • Occupation class: Class 4
  1. Base S$468.70 (Occupation class Class 3)
  2. × 1.00 (Age Up to 65) = S$468.70
  3. GST is included: S$468.70
S$468.70
PAStar Elite Plus, me and my spouse: an accountant and a musician (Sompo class 2), 3 childrenPAStar Elite Plus, family (S$500,000 each adult, up to 3 children free)
  • Age: 30
  • Who is covered: Two adults and children
  • Children: 3
  • Occupation: Accountant
  • Sum insured: S$50,000
  • Occupation class: Class 1
  • Spouse's occupation: Musician or artist (studio-based)
  • Spouse's occupation class: Class 2
  1. Base S$1,520.55 (Occupation class Class 1, Spouse's occupation class 2)
  2. × 1.00 (Age Up to 65) = S$1,520.55
  3. GST is included: S$1,520.55
S$1,520.55
PA Ease Plan 1, me and 6 children: a carpenter (class 3), S$50,000PA Ease Plan 1, me and my children (S$50,000; each child S$47.96)
  • Age: 30
  • Who is covered: One adult and children
  • Children: 6
  • Occupation: Carpenter
  • Sum insured: S$50,000
  • Occupation class: Class 3
  1. Base S$130.80 (Occupation class Class 3)
  2. × 1.00 (Age Up to 65) = S$130.80
  3. + S$287.76 (Children 6) = S$418.56
  4. GST is included: S$418.56
S$418.56
PA Ease Plan 1: class 1, S$50,000PA Ease Plan 1 (S$50,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Sum insured: S$50,000
  • Occupation class: Class 1
  1. Base S$95.92 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$95.92
  3. GST is included: S$95.92
S$95.92
PAStar Deluxe: a dentist (Sompo class 1), S$50,000PAStar Deluxe (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Dentist
  • Sum insured: S$50,000
  • Occupation class: Class 2
  1. Base S$196.20 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$196.20
  3. GST is included: S$196.20
S$196.20
PAStar Deluxe: a sports coach (Sompo class 3), S$100,000PAStar Deluxe (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Sports coach
  • Sum insured: S$100,000
  • Occupation class: Class 2
  1. Base S$468.70 (Occupation class Class 3)
  2. × 1.00 (Age Up to 65) = S$468.70
  3. GST is included: S$468.70
S$468.70
PAStar Deluxe: a police or SAF office worker (Sompo class 1, POLICE OFFICER (ADMIN) / MINDEF ADMIN STAFF), S$100,000PAStar Deluxe (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Police, SAF or civil defence (office or admin work only)
  • Sum insured: S$100,000
  • Occupation class: Class 3
  1. Base S$196.20 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$196.20
  3. GST is included: S$196.20
S$196.20
PA Ease Plan 1: a full-time national serviceman (Sompo NSF, class 1: Group A), S$50,000PA Ease Plan 1 (S$50,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Full-time national serviceman (NSF)
  • Sum insured: S$50,000
  • Occupation class: Class 3
  1. Base S$95.92 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$95.92
  3. GST is included: S$95.92
S$95.92
PA Ease Plan 3: class 3, S$100,000PA Ease Plan 3 (S$150,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Sum insured: S$100,000
  • Occupation class: Class 3
  1. Base S$327.00 (Occupation class Class 3)
  2. × 1.00 (Age Up to 65) = S$327.00
  3. GST is included: S$327.00
S$327.00
PA Ease Plan 2, family: class 2 and class 3 spouse, 2 children, S$100,000PA Ease Plan 2, family (S$100,000 each adult; each child S$77.39)
  • Age: 30
  • Who is covered: Two adults and children
  • Children: 2
  • Sum insured: S$100,000
  • Occupation class: Class 2
  • Spouse's occupation class: Class 3
  1. Base S$388.04 (Occupation class Class 2, Spouse's occupation class 3)
  2. × 1.00 (Age Up to 65) = S$388.04
  3. + S$154.78 (Children 2) = S$542.82
  4. GST is included: S$542.82
S$542.82
PAJunior Jumbo, 3 children onlyPAJunior Jumbo (S$50,000 each child; first child S$354.25, then 10% off)
  • Age: 30
  • Who is covered: Children only
  • Children: 3
  • Sum insured: S$0
  • Occupation class: Class 1
  1. Base S$991.91 (Children 3)
  2. × 1.00 (Age Up to 65) = S$991.91
  3. GST is included: S$991.91
S$991.91
PAJunior Bunny, 1 child onlyPAJunior Bunny (S$10,000 each child; first child S$152.60, then 10% off)
  • Age: 30
  • Who is covered: Children only
  • Children: 1
  • Sum insured: S$0
  • Occupation class: Class 1
  1. Base S$152.60 (Children 1)
  2. × 1.00 (Age Up to 65) = S$152.60
  3. GST is included: S$152.60
S$152.60

Where the figures come from

Plus 2 files of saved quotes, data and screenshots from Sompo's online quote tool, kept with the table.

Before going live the table was read from the published table and checked against the insurer's own online quotes.

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