Personal accident insurance
Cover for accidents at work, at home and abroad, priced on what you do.
- A lump sum for accidental death or permanent disability
- Medical bills after an accident, including TCM and physiotherapy
- A daily cash benefit while in hospital
What's covered
- A lump sum for accidental death or permanent disability
- Medical bills after an accident, including TCM and physiotherapy
- A daily cash benefit while in hospital
- Some plans: infectious diseases such as dengue and HFMD
What's not covered
- Illness that was not caused by an accident (unless the plan names it)
- Self-inflicted injury
- Injury while under the influence of alcohol or drugs
- War, terrorism and nuclear risks
How comparing personal accident insurance works here
Tell us your age, the kind of work you do and how much cover you want. We price plans from each insurer on our panel and list them from the lowest premium up.
When you pick a plan, you finish buying on the insurer's own site, with your answers already filled in.
Before you choose
- The sum insured is the lump sum paid if you die or are permanently disabled in an accident. Many people choose a few years of income.
- Medical bills after an accident are paid up to a separate, smaller limit. Check if TCM and physiotherapy are included.
- Your occupation class sets the price. Tell the insurer if your job changes, or a claim may be cut.
What personal accident insurance costs today
- Accountant, S$200,000 cover21 insurers price this, from S$174.40 to S$1,201.18 (as at 5 Oct 2026).
- Sales executive who travels for work, S$100,000 cover22 insurers price this, from S$109.00 to S$1,152.51 (as at 5 Oct 2026).
- Technician, S$500,000 cover6 insurers price this, from S$566.73 to S$1,883.44 (as at 5 Oct 2026).
Worked out today from each insurer’s current rates; a price from an insurer’s published table gives the date we read it (“as at”). Open an example to see what we assumed and every plan. Your own price depends on your answers.
Questions people ask
Why does my job matter?
Insurers group jobs into four occupation classes by accident risk. Office work is class 1; heavy manual work is class 4, which most insurers do not cover online.
Does age change the price?
Prices shown are for an adult aged 18 to 59. Most insurers cover adults up to age 65, some charge more from 60, and the insurer confirms your age when you apply.
Is this the same as health insurance?
No. Personal accident pays for accidents only. Hospital bills from illness need a health plan such as an Integrated Shield Plan.
Am I covered overseas?
Yes. Most plans cover you worldwide, 24 hours a day; some limit trips abroad (for example 90 or 180 days per trip), so check the plan page.