Personal accident insurance explained
Typical personal accident insurance quotes in Singapore
What personal accident insurance costs today for each of 98 jobs, at S$50,000 cover: alone, as a couple and as a family with 2 children. Open a job for every insurer's price, a parent or family with one to four children, and higher sums insured.
Prices as of 28 Oct 2026, GST included.
Office and indoor work
Outdoor, supervisory or light manual work
Skilled manual work
Heavy manual or high-risk work
| Your job | Alone | Couple | Family of four |
|---|---|---|---|
| Professional sportsperson | S$251.94 | S$453.49 | S$706.98 |
| Butcher | S$109.00 | S$218.00 | S$322.64 |
| Construction worker | S$133.42 | S$266.83 | S$266.83 |
| Crane or heavy machinery operator | S$147.15 | S$234.35 | S$386.95 |
| Diver | S$133.42 | S$266.83 | S$266.83 |
| Firefighter or civil defence officer | S$233.26 | S$466.52 | S$746.43 |
| Security officer (armed) | S$51.27 | S$135.25 | S$135.25 |
| Lifeguard | S$51.27 | S$135.25 | S$135.25 |
| Offshore or marine worker | S$251.94 | S$453.49 | S$706.98 |
| Pilot or aircrew (flight deck) | S$133.42 | S$266.83 | S$266.83 |
| Scaffolder or work at heights | S$251.94 | S$453.49 | S$706.98 |
| Welder | S$233.26 | S$453.49 | S$706.98 |
| Other heavy manual or high-risk work | S$251.94 | S$453.49 | S$706.98 |
Who is covered
Every job has a page for each of: one adult, a couple, a parent and 1 child, a parent and 2 children, a parent and 3 children, a parent and 4 children, a family with 1 child, a family with 2 children, a family with 3 children, a family with 4 children. Children on their own, with no adult on the policy: a child on its own, 2 children on their own, 3 children on their own, 4 children on their own.
Every job and who is covered is in one CSV file, updated daily. Compare personal accident insurance for your own answers.
Questions people ask
How much is personal accident insurance in Singapore?
For one adult in office work (an accountant), from S$51.27 a year at HL Assurance on today's prices, at S$50,000 cover with GST; a couple from S$135.25 and a family with 2 children from S$135.25.
Does my job change the price?
Yes. Insurers group jobs by accident risk, and some price each job on its own list: today a technician pays from S$51.27 alone against S$51.27 for an accountant.
Are these real quotes?
They are the prices each insurer publishes or quotes online for these answers today, GST included. The quote form asks who is covered and your job, and shows every insurer.