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Personal accident insurance

How Tokio Marine 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 19 Oct 2026, the day we read Tokio Marine'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. 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).

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 2, live since 20 Oct 2026.

Plans and how each is priced

TM 365 Personal Accident Plan A (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 1S$85.00
Class 2S$110.00
Class 3S$200.00
Multiplied by
AgeFigure
Up to 70×1.00

Excess None

The figure is an estimate when any of these are true: Occupation class Class 1 or more. From Tokio Marine's TM 365 brochure (November 2022), which prints premiums before GST: today's 9% GST is added. One price per occupation class for ages 18 to 70. Tokio Marine sells TM 365 through its agents, who confirm the current price.

TM 365 Personal Accident Plan A (S$50,000), me and my spouse

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 classFigure
Class 1S$85.00
Class 2S$110.00
Class 3S$200.00
Multiplied by (1 of 2)
AgeFigure
Up to 70×1.00

Multiplied by (2 of 2) ×0.90

Plus One figure for each of 3 occupation classes (Class 1, Class 2, Class 3), multiplied by ×0.90.

Show all 3 figures
Plus
Spouse's occupation classFigure
Class 1S$85.00
Class 2S$110.00
Class 3S$200.00

Excess None

The figure is an estimate when any of these are true: Occupation class Class 1 or more. From Tokio Marine's TM 365 brochure (November 2022), which prints premiums before GST: today's 9% GST is added. One price per occupation class for ages 18 to 70. Tokio Marine sells TM 365 through its agents, who confirm the current price. A couple or a parent with one child gets the brochure's 10% family saving, three or more people 15%.

TM 365 Personal Accident Plan A (S$50,000) with Child Protector, me and my children

Offered when Who is covered is One adult and children; Sum insured up to S$50,000; Occupation class up to Class 3; Children up to 6

Base premium
Occupation classFigure
Class 1S$85.00
Class 2S$110.00
Class 3S$200.00
Multiplied by (1 of 2)
AgeFigure
Up to 70×1.00
Multiplied by (2 of 2)
ChildrenFigure
Up to 1×0.90
2 to 6×0.85

Plus One figure for each of 6 children values (1, 2, 3, 4, 5, 6), multiplied by a factor for each of 2 bands of children.

Show all 6 figures
Plus
ChildrenFigure
1S$40.00
2S$80.00
3S$120.00
4S$160.00
5S$200.00
6S$240.00

Excess None

The figure is an estimate when any of these are true: Occupation class Class 1 or more. From Tokio Marine's TM 365 brochure (November 2022), which prints premiums before GST: today's 9% GST is added. One price per occupation class for ages 18 to 70. Tokio Marine sells TM 365 through its agents, who confirm the current price. A couple or a parent with one child gets the brochure's 10% family saving, three or more people 15%.

TM 365 Personal Accident Plan A (S$50,000) with Child Protector, my family

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; Children up to 6

Base premium
Occupation classFigure
Class 1S$85.00
Class 2S$110.00
Class 3S$200.00
Multiplied by (1 of 2)
AgeFigure
Up to 70×1.00

Multiplied by (2 of 2) ×0.85

Plus (1 of 2) One figure for each of 3 occupation classes (Class 1, Class 2, Class 3), multiplied by ×0.85.

Show all 3 figures
Plus (1 of 2)
Spouse's occupation classFigure
Class 1S$85.00
Class 2S$110.00
Class 3S$200.00

Plus (2 of 2) One figure for each of 6 children values (1, 2, 3, 4, 5, 6), multiplied by ×0.85.

Show all 6 figures
Plus (2 of 2)
ChildrenFigure
1S$40.00
2S$80.00
3S$120.00
4S$160.00
5S$200.00
6S$240.00

Excess None

The figure is an estimate when any of these are true: Occupation class Class 1 or more. From Tokio Marine's TM 365 brochure (November 2022), which prints premiums before GST: today's 9% GST is added. One price per occupation class for ages 18 to 70. Tokio Marine sells TM 365 through its agents, who confirm the current price. A couple or a parent with one child gets the brochure's 10% family saving, three or more people 15%.

TM 365 Personal Accident Plan B (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$130.00
Class 2S$180.00
Class 3S$280.00
Multiplied by
AgeFigure
Up to 70×1.00

Excess None

The figure is an estimate when any of these are true: Occupation class Class 1 or more. From Tokio Marine's TM 365 brochure (November 2022), which prints premiums before GST: today's 9% GST is added. One price per occupation class for ages 18 to 70. Tokio Marine sells TM 365 through its agents, who confirm the current price.

TM 365 Personal Accident Plan B (S$100,000), me and my spouse

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 classFigure
Class 1S$130.00
Class 2S$180.00
Class 3S$280.00
Multiplied by (1 of 2)
AgeFigure
Up to 70×1.00

Multiplied by (2 of 2) ×0.90

Plus One figure for each of 3 occupation classes (Class 1, Class 2, Class 3), multiplied by ×0.90.

Show all 3 figures
Plus
Spouse's occupation classFigure
Class 1S$130.00
Class 2S$180.00
Class 3S$280.00

Excess None

The figure is an estimate when any of these are true: Occupation class Class 1 or more. From Tokio Marine's TM 365 brochure (November 2022), which prints premiums before GST: today's 9% GST is added. One price per occupation class for ages 18 to 70. Tokio Marine sells TM 365 through its agents, who confirm the current price. A couple or a parent with one child gets the brochure's 10% family saving, three or more people 15%.

TM 365 Personal Accident Plan B (S$100,000) with Child Protector, me and my children

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 6

Base premium
Occupation classFigure
Class 1S$130.00
Class 2S$180.00
Class 3S$280.00
Multiplied by (1 of 2)
AgeFigure
Up to 70×1.00
Multiplied by (2 of 2)
ChildrenFigure
Up to 1×0.90
2 to 6×0.85

Plus One figure for each of 6 children values (1, 2, 3, 4, 5, 6), multiplied by a factor for each of 2 bands of children.

Show all 6 figures
Plus
ChildrenFigure
1S$65.00
2S$130.00
3S$195.00
4S$260.00
5S$325.00
6S$390.00

Excess None

The figure is an estimate when any of these are true: Occupation class Class 1 or more. From Tokio Marine's TM 365 brochure (November 2022), which prints premiums before GST: today's 9% GST is added. One price per occupation class for ages 18 to 70. Tokio Marine sells TM 365 through its agents, who confirm the current price. A couple or a parent with one child gets the brochure's 10% family saving, three or more people 15%.

TM 365 Personal Accident Plan B (S$100,000) with Child Protector, my family

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 6

Base premium
Occupation classFigure
Class 1S$130.00
Class 2S$180.00
Class 3S$280.00
Multiplied by (1 of 2)
AgeFigure
Up to 70×1.00

Multiplied by (2 of 2) ×0.85

Plus (1 of 2) One figure for each of 3 occupation classes (Class 1, Class 2, Class 3), multiplied by ×0.85.

Show all 3 figures
Plus (1 of 2)
Spouse's occupation classFigure
Class 1S$130.00
Class 2S$180.00
Class 3S$280.00

Plus (2 of 2) One figure for each of 6 children values (1, 2, 3, 4, 5, 6), multiplied by ×0.85.

Show all 6 figures
Plus (2 of 2)
ChildrenFigure
1S$65.00
2S$130.00
3S$195.00
4S$260.00
5S$325.00
6S$390.00

Excess None

The figure is an estimate when any of these are true: Occupation class Class 1 or more. From Tokio Marine's TM 365 brochure (November 2022), which prints premiums before GST: today's 9% GST is added. One price per occupation class for ages 18 to 70. Tokio Marine sells TM 365 through its agents, who confirm the current price. A couple or a parent with one child gets the brochure's 10% family saving, three or more people 15%.

TM 365 Personal Accident Plan C (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$230.00
Class 2S$320.00
Class 3S$500.00
Multiplied by
AgeFigure
Up to 70×1.00

Excess None

The figure is an estimate when any of these are true: Occupation class Class 1 or more. From Tokio Marine's TM 365 brochure (November 2022), which prints premiums before GST: today's 9% GST is added. One price per occupation class for ages 18 to 70. Tokio Marine sells TM 365 through its agents, who confirm the current price.

TM 365 Personal Accident Plan C (S$200,000), me and my spouse

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 classFigure
Class 1S$230.00
Class 2S$320.00
Class 3S$500.00
Multiplied by (1 of 2)
AgeFigure
Up to 70×1.00

Multiplied by (2 of 2) ×0.90

Plus One figure for each of 3 occupation classes (Class 1, Class 2, Class 3), multiplied by ×0.90.

Show all 3 figures
Plus
Spouse's occupation classFigure
Class 1S$230.00
Class 2S$320.00
Class 3S$500.00

Excess None

The figure is an estimate when any of these are true: Occupation class Class 1 or more. From Tokio Marine's TM 365 brochure (November 2022), which prints premiums before GST: today's 9% GST is added. One price per occupation class for ages 18 to 70. Tokio Marine sells TM 365 through its agents, who confirm the current price. A couple or a parent with one child gets the brochure's 10% family saving, three or more people 15%.

TM 365 Personal Accident Plan C (S$200,000) with Child Protector, me and my children

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 6

Base premium
Occupation classFigure
Class 1S$230.00
Class 2S$320.00
Class 3S$500.00
Multiplied by (1 of 2)
AgeFigure
Up to 70×1.00
Multiplied by (2 of 2)
ChildrenFigure
Up to 1×0.90
2 to 6×0.85

Plus One figure for each of 6 children values (1, 2, 3, 4, 5, 6), multiplied by a factor for each of 2 bands of children.

Show all 6 figures
Plus
ChildrenFigure
1S$115.00
2S$230.00
3S$345.00
4S$460.00
5S$575.00
6S$690.00

Excess None

The figure is an estimate when any of these are true: Occupation class Class 1 or more. From Tokio Marine's TM 365 brochure (November 2022), which prints premiums before GST: today's 9% GST is added. One price per occupation class for ages 18 to 70. Tokio Marine sells TM 365 through its agents, who confirm the current price. A couple or a parent with one child gets the brochure's 10% family saving, three or more people 15%.

TM 365 Personal Accident Plan C (S$200,000) with Child Protector, my family

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 6

Base premium
Occupation classFigure
Class 1S$230.00
Class 2S$320.00
Class 3S$500.00
Multiplied by (1 of 2)
AgeFigure
Up to 70×1.00

Multiplied by (2 of 2) ×0.85

Plus (1 of 2) One figure for each of 3 occupation classes (Class 1, Class 2, Class 3), multiplied by ×0.85.

Show all 3 figures
Plus (1 of 2)
Spouse's occupation classFigure
Class 1S$230.00
Class 2S$320.00
Class 3S$500.00

Plus (2 of 2) One figure for each of 6 children values (1, 2, 3, 4, 5, 6), multiplied by ×0.85.

Show all 6 figures
Plus (2 of 2)
ChildrenFigure
1S$115.00
2S$230.00
3S$345.00
4S$460.00
5S$575.00
6S$690.00

Excess None

The figure is an estimate when any of these are true: Occupation class Class 1 or more. From Tokio Marine's TM 365 brochure (November 2022), which prints premiums before GST: today's 9% GST is added. One price per occupation class for ages 18 to 70. Tokio Marine sells TM 365 through its agents, who confirm the current price. A couple or a parent with one child gets the brochure's 10% family saving, three or more people 15%.

TM 365 Personal Accident Plan D (S$300,000)

Offered when Who is covered is One adult; Sum insured up to S$300,000; Occupation class up to Class 3; Occupation is one of 76 listed values

Base premium
Occupation classFigure
Class 1S$330.00
Class 2S$450.00
Class 3S$740.00
Multiplied by
AgeFigure
Up to 70×1.00

Excess None

The figure is an estimate when any of these are true: Occupation class Class 1 or more. From Tokio Marine's TM 365 brochure (November 2022), which prints premiums before GST: today's 9% GST is added. One price per occupation class for ages 18 to 70. Tokio Marine sells TM 365 through its agents, who confirm the current price.

TM 365 Personal Accident Plan D (S$300,000), me and my spouse

Offered when Who is covered is Two adults; Sum insured up to S$300,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Occupation is one of 76 listed values; Spouse's occupation is one of 76 listed values

Base premium
Occupation classFigure
Class 1S$330.00
Class 2S$450.00
Class 3S$740.00
Multiplied by (1 of 2)
AgeFigure
Up to 70×1.00

Multiplied by (2 of 2) ×0.90

Plus One figure for each of 3 occupation classes (Class 1, Class 2, Class 3), multiplied by ×0.90.

Show all 3 figures
Plus
Spouse's occupation classFigure
Class 1S$330.00
Class 2S$450.00
Class 3S$740.00

Excess None

The figure is an estimate when any of these are true: Occupation class Class 1 or more. From Tokio Marine's TM 365 brochure (November 2022), which prints premiums before GST: today's 9% GST is added. One price per occupation class for ages 18 to 70. Tokio Marine sells TM 365 through its agents, who confirm the current price. A couple or a parent with one child gets the brochure's 10% family saving, three or more people 15%.

TM 365 Personal Accident Plan D (S$300,000) with Child Protector, me and my children

Offered when Who is covered is One adult and children; Sum insured up to S$300,000; Occupation class up to Class 3; Children up to 6; Occupation is one of 76 listed values

Base premium
Occupation classFigure
Class 1S$330.00
Class 2S$450.00
Class 3S$740.00
Multiplied by (1 of 2)
AgeFigure
Up to 70×1.00
Multiplied by (2 of 2)
ChildrenFigure
Up to 1×0.90
2 to 6×0.85

Plus One figure for each of 6 children values (1, 2, 3, 4, 5, 6), multiplied by a factor for each of 2 bands of children.

Show all 6 figures
Plus
ChildrenFigure
1S$115.00
2S$230.00
3S$345.00
4S$460.00
5S$575.00
6S$690.00

Excess None

The figure is an estimate when any of these are true: Occupation class Class 1 or more. From Tokio Marine's TM 365 brochure (November 2022), which prints premiums before GST: today's 9% GST is added. One price per occupation class for ages 18 to 70. Tokio Marine sells TM 365 through its agents, who confirm the current price. A couple or a parent with one child gets the brochure's 10% family saving, three or more people 15%.

TM 365 Personal Accident Plan D (S$300,000) with Child Protector, my family

Offered when Who is covered is Two adults and children; Sum insured up to S$300,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3; Children up to 6; Occupation is one of 76 listed values; Spouse's occupation is one of 76 listed values

Base premium
Occupation classFigure
Class 1S$330.00
Class 2S$450.00
Class 3S$740.00
Multiplied by (1 of 2)
AgeFigure
Up to 70×1.00

Multiplied by (2 of 2) ×0.85

Plus (1 of 2) One figure for each of 3 occupation classes (Class 1, Class 2, Class 3), multiplied by ×0.85.

Show all 3 figures
Plus (1 of 2)
Spouse's occupation classFigure
Class 1S$330.00
Class 2S$450.00
Class 3S$740.00

Plus (2 of 2) One figure for each of 6 children values (1, 2, 3, 4, 5, 6), multiplied by ×0.85.

Show all 6 figures
Plus (2 of 2)
ChildrenFigure
1S$115.00
2S$230.00
3S$345.00
4S$460.00
5S$575.00
6S$690.00

Excess None

The figure is an estimate when any of these are true: Occupation class Class 1 or more. From Tokio Marine's TM 365 brochure (November 2022), which prints premiums before GST: today's 9% GST is added. One price per occupation class for ages 18 to 70. Tokio Marine sells TM 365 through its agents, who confirm the current price. A couple or a parent with one child gets the brochure's 10% family saving, three or more people 15%.

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, accountant (class 1), S$50,000 (brochure S$85.00 before GST)TM 365 Personal Accident Plan A (S$50,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Accountant
  • Sum insured: S$50,000
  • Occupation class: Class 1
  1. Base S$85.00 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$85.00
  3. + 9% GST = S$92.65
S$92.65
Plan B, insurance agent (class 2), S$100,000 (brochure S$180.00 before GST)TM 365 Personal Accident Plan B (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Insurance or property agent
  • Sum insured: S$100,000
  • Occupation class: Class 2
  1. Base S$180.00 (Occupation class Class 2)
  2. × 1.00 (Age Up to 70) = S$180.00
  3. + 9% GST = S$196.20
S$196.20
Plan C, plumber (class 3), S$200,000 (brochure S$500.00 before GST)TM 365 Personal Accident Plan C (S$200,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Plumber
  • Sum insured: S$200,000
  • Occupation class: Class 3
  1. Base S$500.00 (Occupation class Class 3)
  2. × 1.00 (Age Up to 70) = S$500.00
  3. + 9% GST = S$545.00
S$545.00
Plan D, manager (class 1), S$200,000 asked (brochure S$330.00 before GST)TM 365 Personal Accident Plan D (S$300,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Manager or executive
  • Sum insured: S$200,000
  • Occupation class: Class 1
  1. Base S$330.00 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$330.00
  3. + 9% GST = S$359.70
S$359.70
Plan B, doctor (Tokio Marine class 1, medical practitioners; ours class 2) (brochure S$130.00 before GST)TM 365 Personal Accident Plan B (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Doctor
  • Sum insured: S$100,000
  • Occupation class: Class 2
  1. Base S$130.00 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$130.00
  3. + 9% GST = S$141.70
S$141.70
Plan C, dentist (Tokio Marine class 1, medical practitioners; ours class 2) (brochure S$230.00 before GST)TM 365 Personal Accident Plan C (S$200,000)
  • Age: 30
  • Who is covered: One adult
  • Children: 0
  • Occupation: Dentist
  • Sum insured: S$200,000
  • Occupation class: Class 2
  1. Base S$230.00 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$230.00
  3. + 9% GST = S$250.70
S$250.70
Show the other 4 examples
ExampleAnswersWorkingPremium
Plan B couple, accountant (class 1) and driver (class 3): (S$130 + S$280) less 10% = S$369.00 before GSTTM 365 Personal Accident Plan B (S$100,000), me and my spouse
  • Age: 30
  • Who is covered: Two adults
  • Children: 0
  • Occupation: Accountant
  • Sum insured: S$100,000
  • Occupation class: Class 1
  • Spouse's occupation: Driver (taxi, private hire, van, lorry)
  • Spouse's occupation class: Class 3
  1. Base S$130.00 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$130.00
  3. × 0.90 = S$117.00
  4. + S$252.00 (Spouse's occupation class Class 3) = S$369.00
  5. + 9% GST = S$402.21
S$402.21
Plan A parent, retail assistant (class 2) and 1 child: (S$110 + S$40) less 10% = S$135.00 before GSTTM 365 Personal Accident Plan A (S$50,000) with Child Protector, me and my children
  • Age: 30
  • Who is covered: One adult and children
  • Children: 1
  • Occupation: Retail assistant
  • Sum insured: S$50,000
  • Occupation class: Class 2
  1. Base S$110.00 (Occupation class Class 2)
  2. × 1.00 (Age Up to 70) = S$110.00
  3. × 0.90 (Children Up to 1) = S$99.00
  4. + S$36.00 (Children 1, Children Up to 1) = S$135.00
  5. + 9% GST = S$147.15
S$147.15
Plan C parent, teacher (class 1) and 2 children: (S$230 + 2 x S$115) less 15% = S$391.00 before GSTTM 365 Personal Accident Plan C (S$200,000) with Child Protector, me and my children
  • Age: 30
  • Who is covered: One adult and children
  • Children: 2
  • Occupation: Teacher, lecturer or tutor
  • Sum insured: S$200,000
  • Occupation class: Class 1
  1. Base S$230.00 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$230.00
  3. × 0.85 (Children 2 to 6) = S$195.50
  4. + S$195.50 (Children 2, Children 2 to 6) = S$391.00
  5. + 9% GST = S$426.19
S$426.19
Plan D family, lawyer (class 1), nurse (class 2) and 3 children on Child Protector Plan C: (S$330 + S$450 + 3 x S$115) less 15% = S$956.25 before GSTTM 365 Personal Accident Plan D (S$300,000) with Child Protector, my family
  • Age: 30
  • Who is covered: Two adults and children
  • Children: 3
  • Occupation: Lawyer
  • Sum insured: S$200,000
  • Occupation class: Class 1
  • Spouse's occupation: Nurse (hospital or ward)
  • Spouse's occupation class: Class 2
  1. Base S$330.00 (Occupation class Class 1)
  2. × 1.00 (Age Up to 70) = S$330.00
  3. × 0.85 = S$280.50
  4. + S$382.50 (Spouse's occupation class Class 2) = S$663.00
  5. + S$293.25 (Children 3) = S$956.25
  6. + 9% GST = S$1,042.31
S$1,042.31

Where the figures come from

Before going live the table was read from the published table.

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