Personal accident insurance
Personal accident insurance for couples: one plan or two?
Today's lowest and typical yearly price for one adult and for a couple on one plan, and for a couple where the spouse works in another job, at S$50,000 cover each, GST included.
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-for-couples
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, a couple can be insured on one plan from S$167.95 a year (HL Assurance), about the same as two single plans at S$167.94 (HL Assurance), GST included, at S$50,000 cover each.
One adult or a couple
By the spouse's job
| Spouse's job | Lowest | Typical | Insurers |
|---|---|---|---|
| Accountant | S$167.95Buy NowHL Assurance | S$285.58 | 21 |
| Nurse | S$167.95Buy NowHL Assurance | S$313.92 | 21 |
| Technician | S$167.95Buy NowHL Assurance | S$363.56 | 19 |
| Delivery rider | S$226.72Buy NowSompo | S$351.45 | 9 |
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.
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
Is a couple plan cheaper than two single plans?
On today's lowest prices, they cost about the same: S$167.95 for a couple on one plan against S$167.94 for two single plans. 21 insurers price a couple plan online and 22 a single plan.
How much is personal accident insurance for a couple?
S$50,000 cover, accountants. One adult: from S$83.97 a year (HL Assurance); A couple: from S$167.95 a year (HL Assurance). Today's prices, GST included.
Does the spouse's job change the price?
A couple, S$50,000 cover, one of them an accountant. Accountant: from S$167.95 a year (HL Assurance); Nurse: from S$167.95 a year (HL Assurance); Technician: from S$167.95 a year (HL Assurance); Delivery rider: from S$226.72 a year (Sompo). Today's prices, GST included.
Do both of us have to tell the insurer our jobs?
Yes. Each adult's job is placed in the insurer's own class, and some insurers price each adult on their own job.