Personal accident insurance
Does your job change the price of personal accident insurance?
Yes. Insurers group jobs by accident risk, from class 1 for office work upward, and each places a job in its own class. Here is today's lowest and typical price by job at S$50,000 cover, and how many insurers price it online.
Compare every insurer we price for an office worker on one page: https://shentonbrokers.com/prices/pa/office-worker-200k
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/personal-accident-insurance-by-job
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, the lowest price for personal accident insurance by job in Singapore runs from S$83.97 a year (Accountant (usually class 1), HL Assurance) to S$233.26 (Construction worker (usually class 4)), GST included.
By job, one adult, S$50,000 cover
| Job | Lowest | Typical | Insurers |
|---|---|---|---|
| Accountant (usually class 1) | S$83.97Buy NowHL Assurance | S$153.69 | 22 |
| Teacher, lecturer or tutor (usually class 1) | S$83.97Buy NowHL Assurance | S$153.69 | 22 |
| Nurse (hospital or ward) (usually class 2) | S$83.97Buy NowHL Assurance | S$170.08 | 22 |
| Technician (usually class 3) | S$83.97Buy NowHL Assurance | S$230.22 | 20 |
| Electrician (usually class 3) | S$83.97Buy NowHL Assurance | S$233.26 | 19 |
| Delivery rider (usually class 3) | S$130.80Buy NowSompo | S$243.59 | 10 |
| Driver (taxi, private hire, van, lorry) (usually class 3) | S$83.97Buy NowHL Assurance | S$242.60 | 20 |
| Construction worker (usually class 4) | S$233.26Buy NowIncome | S$301.93 | 5 |
Delivery rider: Only insurers whose policy says it covers motorcycling are shown. HL Assurance, UOI and India International exclude it; EQ, Income, Chubb, Great Eastern, Allianz and China Taiping do not mention it.
Construction worker: UOI places this job in its cheapest class but covers it off duty only, so an accident at work is not covered.
Compare personal accident insurance for your own answers.
Buy Now addresses
Each listed insurer's best-value plan for accountant, S$200,000 cover, lowest premium first.
- Great American, Great Personal Accident Insurance Elite (S$200,000) Basic: https://shentonbrokers.com/go/buy/pa/great-american/elite-basic?coverFor=myself&occupation=accountant&sumInsured=200000
- Etiqa, Tiq Personal Accident Enhanced Gold (S$300,000): https://www.tiq.com.sg/buy-online/tiq-personal-accident/quotation/?referral=A501895
- ERGO, ERGO AccidentProtect Essential (S$200,000), Core Cover + Add-on Cover 1: https://shentonbrokers.com/go/buy/pa/ergo/essential-addon1?coverFor=myself&occupation=accountant&sumInsured=200000
- AIG, Sapphire Enhanced Choices Preferred, Basic package (S$200,000): https://www.aig.sg/home/solutions/personal/accident-and-health/sapphire-enhanced?pc=030303
- Sompo, PAStar Elite (S$200,000): https://www.sompo.com.sg/products/pa-star/quotation/GetQuote?p=STI33804
- QBE, PA Prestige Plan B (S$200,000): https://sg-customer.qbe.com/pa/partner/01001305
- MSIG, ProtectionPlus Platinum (S$250,000): https://shentonbrokers.com/go/msig/pa-protectionplus
- Liberty, PACare Plus Enhanced Executive (S$200,000): https://shentonbrokers.com/go/buy/pa/liberty/pacare-executive?coverFor=myself&occupation=accountant&sumInsured=200000
- Income, PA Assurance Classic with infectious disease cover (S$200,000): https://shentonbrokers.com/go/buy/pa/income/classic-infectious?coverFor=myself&occupation=accountant&sumInsured=200000
- HL Assurance, Family Protect360 Premier (S$250,000 an adult): https://app.hlas.com.sg/redirect?source=agent&sac=SI000001&mwc=SIB&referrer=a/a/vivien
Questions people ask
How much does each job pay?
One adult, S$50,000 cover. Accountant (usually class 1): from S$83.97 a year (HL Assurance); Teacher, lecturer or tutor (usually class 1): from S$83.97 a year (HL Assurance); Nurse (hospital or ward) (usually class 2): from S$83.97 a year (HL Assurance); Technician (usually class 3): from S$83.97 a year (HL Assurance); Electrician (usually class 3): from S$83.97 a year (HL Assurance); Delivery rider (usually class 3): from S$130.80 a year (Sompo); Driver (taxi, private hire, van, lorry) (usually class 3): from S$83.97 a year (HL Assurance); Construction worker (usually class 4): from S$233.26 a year (Income). Today's prices, GST included.
Does personal accident insurance cover a delivery rider on a motorcycle?
Not at every insurer. Only insurers whose policy says it covers motorcycling are shown. HL Assurance, UOI and India International exclude it; EQ, Income, Chubb, Great Eastern, Allianz and China Taiping do not mention it. Those that cover it often ask for a helmet and a valid licence, so read the wording of the plan you choose.
Does UOI cover a construction worker at work?
No. UOI places this job in its cheapest class but covers it off duty only, so an accident at work is not covered.
Do I have to tell the insurer my job?
Yes. The insurer places your job in its own class from what you tell it, so answer for the work you actually do and confirm the class before you buy.
Why do fewer insurers price some jobs?
An insurer may not offer online cover for a higher-risk job. The Insurers column counts the ones that price each job online today.