Typical personal accident quotes
Clergy or religious worker: personal accident insurance for a family with 4 children
What personal accident insurance costs today for you, your spouse and your 4 children, if your job is clergy or religious worker and your spouse works in an office (an accountant): S$50,000 cover, 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 a family with 4 children (you, your spouse and your 4 children), your job clergy or religious worker, costs from S$135.25 a year (GST included) at HL Assurance, Family Protect360 Bronze, Family (S$50,000 an adult, S$10,000 a child), at S$50,000 cover; 17 insurers quote it online, up to S$1,026.34 at Income.
- Cheapest: S$135.25 a year at HL Assurance; the middle of 17 insurers is S$407.66.
- One adult in the same job: from S$51.27.
- At S$500,000 cover: from S$421.56 at MSIG.
Insurer by insurer
| Insurer | A year | Medical expenses | Hospital cash a day | Dengue and other infectious diseases |
|---|---|---|---|---|
| HL AssuranceFamily Protect360 Bronze, Family (S$50,000 an adult, S$10,000 a child) | S$135.25 | S$500 | Not included | Covered |
| Great AmericanGreat Personal Accident Insurance Classic (S$100,000) Basic, family, children free | S$250.85 | S$4,000 | Not included | Not covered |
| UOIUniPA Value, family (S$100,000 each adult, S$25,000 each child, children free) | S$266.83 | S$2,000 | Not included | Not covered |
| ERGOERGO AccidentProtect Basic (S$100,000), Core Cover, family (each adult on their own class; children free at 20% of the cover) | S$270.00 | S$3,000 | Not included | Covered |
| LibertyPACare Plus Enhanced Essential, family (S$50,000 each adult) | S$285.58 | S$1,000 | S$50 | Covered |
| Tokio MarineTM 365 Personal Accident Plan A (S$50,000) with Child Protector, my family | S$305.75 | S$2,000 | S$50 | Covered |
| AIGSapphire Enhanced Choices Standard, Basic package, family (S$100,000 each adult) | S$346.62 | S$2,000 | S$50 | Covered |
| SompoPA Ease Plan 1, family (S$50,000 each adult; each child S$47.96) | S$383.68 | S$1,000 | Not included | Covered |
| China TaipingEconomy, family (Family plan: S$100,000 for you, S$50,000 spouse, S$10,000 each child) | S$407.66 | S$1,000 | S$100 | Covered |
| MSIGPA PrimePlus (Series II) Silver, my family (S$500,000; spouse S$250,000) | S$421.56 | Not included | Not included | Not covered |
| AllianzAccident Protect Plus Silver, family (S$100,000 each adult; each child on the Child plan, S$48.90; 15% off the whole premium) | S$457.19 | S$3,000 | S$50 | Covered |
| QBEPA Prestige Plan A, family (S$100,000 each adult, up to 3 children free; S$30.52 each further child) | S$477.42 | S$3,000 | S$100 | Covered |
| SinglifePersonal Accident Lite, family (S$100,000 each adult) | S$513.43 | S$3,000 | S$50 | Covered |
| EtiqaTiq Personal Accident Enhanced Silver, My family (S$125,000 each adult) | S$524.04 | S$500 | S$50 | Covered |
| Great EasternPA Supreme Plan A, family (S$100,000 each adult, each on their own class; each child S$56.68, up to 6) | S$549.36 | S$2,000 | S$100 | Not covered |
| ChubbDBS MultiGen Protect Classic, family (S$100,000 each adult; each child S$60,000 disability; 15-20% multi-member discount) | S$927.68 | S$2,000 | Not included | Covered |
| IncomePA Assurance Basic, family (S$100,000 each adult; each child 40% off) | S$1,026.34 | S$3,000 | S$100 | Not covered |
No online price: EQ Insurance (This insurer has no online price for this combination of adults and children); FWD (This insurer has no online price for this combination of adults and children); HSBC Life (This insurer has no online price for this combination of adults and children); India International (This insurer has no online price for this combination of adults and children); Lonpac (This insurer has no online price for this combination of adults and children).
See this quote on the results page, where you can change the sum insured and filter by cover.
By sum insured
- S$50,000: from S$135.25 at HL Assurance
- S$100,000: from S$250.85 at Great American
- S$200,000: from S$421.56 at MSIG
- S$500,000: from S$421.56 at MSIG
What would change the price
| Change | Lowest price | Difference |
|---|---|---|
| S$100,000 cover insteadTwice the payout for death or permanent disability (Great American). | S$250.85 | +S$115.60 |
| With hospital cashA daily sum while in hospital after an accident; the cheapest plan with it: Liberty, PACare Plus Enhanced Essential, family (S$50,000 each adult). | S$285.58 | +S$150.33 |
Why it costs this
- Insurers price personal accident cover by the job's accident risk: clergy or religious worker is class 1 on the form (office and indoor work), and some insurers rate each job on their own list.
- Family and parent plans cover the children at a set price, so a family with 4 children pays 2.6 times what one adult pays, not one policy each. The spouse is priced in office work.
- The sum insured comes next: from S$135.25 at S$50,000 to S$421.56 at S$500,000 for the same people today.
- The prices are for adults aged 18 to 59 who do not ride a motorcycle or take part in risky sports; insurers charge more for those or leave them out.
- 5 insurers do not quote this online: EQ Insurance (This insurer has no online price for this combination of adults and children); FWD (This insurer has no online price for this combination of adults and children); HSBC Life (This insurer has no online price for this combination of adults and children); India International (This insurer has no online price for this combination of adults and children); Lonpac (This insurer has no online price for this combination of adults and children).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
Other jobs in class 1
For a family with 4 children, no job the insurers price online costs less than this one; 81 cost the same.
| Job | Lowest price | Cheapest insurer |
|---|---|---|
| Accountant | S$135.25 | HL Assurance |
| Administrator or clerk | S$135.25 | HL Assurance |
| Architect | S$135.25 | HL Assurance |
| Auditor | S$135.25 | HL Assurance |
| Banker or financial adviser | S$135.25 | HL Assurance |
| Business owner (office-based) | S$135.25 | HL Assurance |
| Civil servant (office-based) | S$135.25 | HL Assurance |
| Consultant | S$135.25 | HL Assurance |
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.
Every profile for clergy or religious worker. Compare personal accident insurance for your own answers.
Questions people ask
How much is personal accident insurance for a family with 4 children if my job is clergy or religious worker?
From S$135.25 a year at HL Assurance on today's prices, at S$50,000 cover with GST; the middle insurer's cheapest plan is S$407.66, across 17 insurers.
How much more is it than covering only me?
One adult in the same job pays from S$51.27 (HL Assurance); a family with 4 children from S$135.25 (HL Assurance).
What is the cheapest plan that covers dengue?
HL Assurance Family Protect360 Bronze, Family (S$50,000 an adult, S$10,000 a child), S$135.25 today, covers dengue and other infectious diseases as its policy lists them.
How much is a higher sum insured?
The lowest price is S$135.25 at S$50,000, S$250.85 at S$100,000, S$421.56 at S$200,000, S$421.56 at S$500,000.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
Which insurers do not quote a family with 4 children online?
EQ Insurance (This insurer has no online price for this combination of adults and children); FWD (This insurer has no online price for this combination of adults and children); HSBC Life (This insurer has no online price for this combination of adults and children); India International (This insurer has no online price for this combination of adults and children); Lonpac (This insurer has no online price for this combination of adults and children).