Construction worker: personal accident insurance for a parent and 4 children

In short

On 28 Oct 2026, personal accident insurance for a parent and 4 children (you and your 4 children), your job construction worker, costs from S$726.13 a year (GST included) at Chubb, DBS MultiGen Protect Classic, me and my children (S$100,000; each child S$60,000 disability; 10-20% multi-member discount), at S$50,000 cover; 3 insurers quote it online, up to S$977.73 at FWD.

• Cheapest: S$726.13 a year at Chubb; the middle of 3 insurers is S$793.08.
• One adult in the same job: from S$133.42.
• At S$500,000 cover: from S$3,680.71 at FWD.

By sum insured

• S$50,000: from S$726.13 at Chubb
• S$100,000: from S$726.13 at Chubb
• S$200,000: from S$1,230.39 at Income
• S$500,000: from S$3,680.71 at FWD

Why it costs this

• Insurers price personal accident cover by the job's accident risk: construction worker is class 4 on the form (heavy manual or high-risk work), and some insurers rate each job on their own list. Today the lowest price is 5.4 times an accountant's for the same cover (S$135.25).
• Family and parent plans cover the children at a set price, so a parent and 4 children pays 5.4 times what one adult pays, not one policy each.
• The sum insured comes next: from S$726.13 at S$50,000 to S$3,680.71 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.
• 19 insurers do not quote this online: AIG (This insurer has no online price for this job); Allianz (This insurer has no online price for this job); China Taiping (This insurer has no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 combination of adults and children); 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 combination of adults and children); 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 combination of adults and children); India International (This insurer has no online price for this combination of adults and children); Liberty (This insurer has no online price for this job); Lonpac (This insurer has no online price for this combination of adults and children); 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); UOI (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 Chubb has been cheapest throughout.

Other jobs in class 4

For a parent and 4 children, 88 of the 98 jobs the insurers price online cost less than this one; 7 cost the same.

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.