Typical personal accident quotes
Bus captain or train operator: personal accident insurance quotes
What personal accident insurance costs today if your job is bus captain or train operator: alone, as a couple, as a parent and as a family, at S$50,000 cover. A spouse is priced in office work (an accountant), adults aged 18 to 59, no motorcycle or risky sports.
Prices as of 28 Oct 2026, GST included.
In short
On 28 Oct 2026, personal accident insurance for one adult (you alone), your job bus captain or train operator, costs from S$51.27 a year (GST included) at HL Assurance, Family Protect360 Bronze (S$50,000 an adult), at S$50,000 cover; 20 insurers quote it online, up to S$570.46 at Singlife.
- One adult: from S$51.27 a year at HL Assurance; the middle of 20 insurers is S$242.60.
- A couple: from S$135.25 at HL Assurance.
- A family with 2 children: from S$135.25 at HL Assurance.
By who is covered
| Who is covered | Lowest | Typical | Insurers |
|---|---|---|---|
| Alonecheapest HL Assurance | S$51.27 | S$242.60 | 20 |
| Couplecheapest HL Assurance | S$135.25 | S$384.45 | 19 |
| Parent, 1 childcheapest HL Assurance | S$135.25 | S$319.37 | 17 |
| Parent, 2 childrencheapest HL Assurance | S$135.25 | S$349.89 | 17 |
| Parent, 3 childrencheapest HL Assurance | S$135.25 | S$376.05 | 17 |
| Parent, 4 childrencheapest HL Assurance | S$135.25 | S$467.29 | 16 |
| Family, 1 childcheapest HL Assurance | S$135.25 | S$414.64 | 18 |
| Family, 2 childrencheapest HL Assurance | S$135.25 | S$462.28 | 18 |
| Family, 3 childrencheapest HL Assurance | S$135.25 | S$509.91 | 18 |
| Family, 4 childrencheapest HL Assurance | S$135.25 | S$550.70 | 17 |
By sum insured, one adult
- S$50,000: from S$51.27 at HL Assurance
- S$100,000: from S$135.25 at HL Assurance
- S$200,000: from S$337.39 at Etiqa
- S$500,000: from S$817.50 at Income
Insurer by insurer, one adult
| Insurer | A year | Medical expenses | Hospital cash a day | Dengue and other infectious diseases |
|---|---|---|---|---|
| HL AssuranceFamily Protect360 Bronze (S$50,000 an adult) | S$51.27 | S$500 | Not included | Covered |
| EQ InsuranceEQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$200,000) | S$109.00 | Not included | Not included | Not covered |
| SompoPA Ease Plan 1 (S$50,000) | S$130.80 | S$1,000 | Not included | Covered |
| India Internationali-Aid Basic (S$50,000) | S$147.15 | S$3,000 | Not included | Covered |
| EtiqaTiq Personal Accident Enhanced Silver (S$125,000) | S$203.09 | S$500 | S$50 | Covered |
| MSIGProtectionPlus Silver (S$100,000) | S$207.10 | S$1,000 | S$50 | Not covered |
| LibertyPACare Plus Enhanced Essential (S$50,000) | S$208.19 | S$1,000 | S$50 | Covered |
| Tokio MarineTM 365 Personal Accident Plan A (S$50,000) | S$218.00 | S$2,000 | S$50 | Covered |
| Great AmericanGreat Personal Accident Insurance Classic (S$100,000) Basic | S$229.27 | S$4,000 | Not included | Not covered |
| IncomePA Assurance Basic (S$100,000) | S$233.26 | S$3,000 | S$100 | Not covered |
| ChubbDBS MultiGen Protect Classic (S$100,000; underwritten by Chubb) | S$251.94 | S$2,000 | Not included | Covered |
| ERGOERGO AccidentProtect Basic (S$100,000), Core Cover | S$260.00 | S$3,000 | Not included | Covered |
| AllianzAccident Protect Plus Silver (S$100,000) | S$281.15 | S$3,000 | S$50 | Covered |
| QBEPA Prestige Plan A (S$100,000) | S$288.85 | S$3,000 | S$100 | Covered |
| Great EasternPA Supreme Plan A (S$100,000) | S$289.94 | S$2,000 | S$100 | Not covered |
| FWDFWD Life PA S$100,000 (Plan A) | S$301.93 | S$2,000 | Not included | Covered |
| AIGSapphire Enhanced Choices Standard, Basic package (S$100,000) | S$346.62 | S$2,000 | S$50 | Covered |
| UOIUniPA Value (S$100,000) | S$423.57 | S$2,000 | Not included | Not covered |
| China TaipingEconomy (S$100,000) | S$471.97 | S$1,000 | S$100 | Covered |
| SinglifePersonal Accident Lite (S$100,000) | S$570.46 | S$3,000 | S$50 | Covered |
No online price: HSBC Life (This insurer has no online price for this job); Lonpac (This insurer has no online price for this job).
See this quote on the results page, where you can change the sum insured and filter by cover.
How these prices are worked out
Each price is what the insurer charges today for these people and this job, a year, GST included: from the rates and plans insurers publish or quote on their own sites, checked against their online quotes every week. Shenton Brokers is an insurance broker in Singapore and compares every insurer that sells personal accident insurance online. This job's figures and every job are in CSV files, updated daily.
Your job's usual occupation class is 3 of 4; each insurer places it in its own class, and confirms it when you apply. Compare personal accident insurance for your own answers.
Questions people ask
How much is personal accident insurance for a bus captain or train operator?
For one adult, from S$51.27 a year at HL Assurance on today's prices, at S$50,000 cover with GST; the middle insurer's cheapest plan is S$242.60, across 20 insurers.
How much is it for a couple or a family?
From S$135.25 for a couple (HL Assurance) and S$135.25 for a family with 2 children (HL Assurance), your spouse in office work.
How much more is a higher sum insured?
For one adult the lowest price is S$51.27 at S$50,000, S$135.25 at S$100,000, S$337.39 at S$200,000, S$817.50 at S$500,000.