Typical personal accident quotes
Construction worker: personal accident insurance quotes
What personal accident insurance costs today if your job is construction worker: 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 construction worker, costs from S$133.42 a year (GST included) at UOI, UniPA Value (S$100,000), at S$50,000 cover; 5 insurers quote it online, up to S$441.45 at India International.
- One adult: from S$133.42 a year at UOI; the middle of 5 insurers is S$251.94.
- A couple: from S$266.83 at UOI.
- A family with 2 children: from S$266.83 at UOI.
By who is covered
| Who is covered | Lowest | Typical | Insurers |
|---|---|---|---|
| Alonecheapest UOI | S$133.42 | S$251.94 | 5 |
| Couplecheapest UOI | S$266.83 | S$460.01 | 4 |
| Parent, 1 childcheapest Income | S$373.22 | S$422.58 | 4 |
| Parent, 2 childrencheapest Chubb | S$492.83 | S$553.61 | 4 |
| Parent, 3 childrencheapest Chubb | S$632.17 | S$661.74 | 4 |
| Parent, 4 childrencheapest Chubb | S$726.13 | S$793.08 | 3 |
| Family, 1 childcheapest UOI | S$266.83 | S$586.30 | 4 |
| Family, 2 childrencheapest UOI | S$266.83 | S$694.12 | 4 |
| Family, 3 childrencheapest UOI | S$266.83 | S$777.05 | 4 |
| Family, 4 childrencheapest UOI | S$266.83 | S$927.68 | 3 |
By sum insured, one adult
- S$50,000: from S$133.42 at UOI
- S$100,000: from S$133.42 at UOI
- S$200,000: from S$218.76 at UOI
- S$500,000: from S$522.76 at UOI
Insurer by insurer, one adult
| Insurer | A year | Medical expenses | Hospital cash a day | Dengue and other infectious diseases |
|---|---|---|---|---|
| UOIUniPA Value (S$100,000) | S$133.42 | S$2,000 | 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 |
| FWDFWD Life PA S$100,000 (Plan A) | S$301.93 | S$2,000 | Not included | Covered |
| India Internationali-Aid Basic (S$50,000) | S$441.45 | S$3,000 | Not included | Covered |
No online price: AIG (This insurer has no online price for this job); Allianz (This insurer has no online price for this job); China Taiping (This insurer has no online price for this job); EQ Insurance (This insurer has no online price for this job); ERGO (This insurer has no online price for this job); Etiqa (This insurer has no online price for this job); Great American (This insurer has no online price for this job); Great Eastern (This insurer has no online price for this job); HL Assurance (This insurer has no online price for this job); HSBC Life (This insurer has no online price for this job); Liberty (This insurer has no online price for this job); Lonpac (This insurer has no online price for this job); MSIG (This insurer has no online price for this job); QBE (This insurer has no online price for this job); Singlife (This insurer has no online price for this job); Sompo (This insurer has no online price for this job); Tokio Marine (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 4 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 construction worker?
For one adult, from S$133.42 a year at UOI on today's prices, at S$50,000 cover with GST; the middle insurer's cheapest plan is S$251.94, across 5 insurers.
How much is it for a couple or a family?
From S$266.83 for a couple (UOI) and S$266.83 for a family with 2 children (UOI), your spouse in office work.
How much more is a higher sum insured?
For one adult the lowest price is S$133.42 at S$50,000, S$133.42 at S$100,000, S$218.76 at S$200,000, S$522.76 at S$500,000.