Typical personal accident quotes
Factory worker: personal accident insurance for a couple
What personal accident insurance costs today for you and your spouse, if your job is factory 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 couple (you and your spouse), your job factory worker, costs from S$135.25 a year (GST included) at HL Assurance, Family Protect360 Bronze, Family (me and my spouse; S$50,000 an adult; priced as the Family plan), at S$50,000 cover; 19 insurers quote it online, up to S$810.96 at China Taiping.
- Cheapest: S$135.25 a year at HL Assurance; the middle of 19 insurers is S$349.56.
- One adult in the same job: from S$51.27.
- At S$500,000 cover: from S$1,155.40 at UOI.
Insurer by insurer
| Insurer | A year | Medical expenses | Hospital cash a day | Dengue and other infectious diseases |
|---|---|---|---|---|
| HL AssuranceFamily Protect360 Bronze, Family (me and my spouse; S$50,000 an adult; priced as the Family plan) | S$135.25 | S$500 | Not included | Covered |
| SompoPA Ease Plan 1, me and my spouse (S$50,000 each adult) | S$191.84 | S$1,000 | Not included | Covered |
| EQ InsuranceEQ Personal Accident, death and permanent disablement (S$50,000 each), me and my spouse (one policy each) | S$218.00 | Not included | Not included | Not covered |
| India Internationali-Aid Basic, me and my spouse (S$50,000 each adult) | S$234.35 | S$3,000 | Not included | Covered |
| Tokio MarineTM 365 Personal Accident Plan A (S$50,000), me and my spouse | S$279.59 | S$2,000 | S$50 | Covered |
| UOIUniPA Value, me and my spouse (S$100,000 each adult) | S$290.38 | S$2,000 | Not included | Not covered |
| AllianzAccident Protect Plus Silver, me and my spouse (S$100,000 each adult; 15% off the whole premium) | S$290.94 | S$3,000 | S$50 | Covered |
| MSIGProtectionPlus Silver, me and my spouse (S$100,000 each adult) | S$319.92 | S$1,000 | S$50 | Not covered |
| LibertyPACare Plus Enhanced Essential, me and my spouse (S$50,000 each adult) | S$347.71 | S$1,000 | S$50 | Covered |
| EtiqaTiq Personal Accident Enhanced Silver, Me and my spouse (S$125,000 each adult) | S$349.56 | S$500 | S$50 | Covered |
| Great AmericanGreat Personal Accident Insurance Classic (S$100,000) Basic, me and my spouse | S$354.70 | S$4,000 | Not included | Not covered |
| ERGOERGO AccidentProtect Basic (S$100,000), Core Cover, me and my spouse (each adult on their own class) | S$395.00 | S$3,000 | Not included | Covered |
| Great EasternPA Supreme Plan A, me and my spouse (S$100,000 each adult, each on their own class) | S$451.26 | S$2,000 | S$100 | Not covered |
| ChubbDBS MultiGen Protect Classic, me and my spouse (S$100,000 each adult; 10% multi-member discount) | S$453.49 | S$2,000 | Not included | Covered |
| IncomePA Assurance Basic, me and my spouse (S$100,000 each) | S$466.52 | S$3,000 | S$100 | Not covered |
| QBEPA Prestige Plan A, me and my spouse (S$100,000 each adult) | S$512.30 | S$3,000 | S$100 | Covered |
| AIGSapphire Enhanced Choices Standard, Basic package, me and my spouse (S$100,000 each adult) | S$519.93 | S$2,000 | S$50 | Covered |
| SinglifePersonal Accident Lite, me and my spouse (S$100,000 each adult) | S$770.13 | S$3,000 | S$50 | Covered |
| China TaipingEconomy, me and my spouse (Family plan: S$100,000 for you, S$50,000 spouse) | S$810.96 | S$1,000 | S$100 | Covered |
No online price: FWD (This insurer has no online price for this combination of adults and children); 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.
By sum insured
- S$50,000: from S$135.25 at HL Assurance
- S$100,000: from S$290.38 at UOI
- S$200,000: from S$482.22 at UOI
- S$500,000: from S$1,155.40 at UOI
What would change the price
| Change | Lowest price | Difference |
|---|---|---|
| S$100,000 cover insteadTwice the payout for death or permanent disability (UOI). | S$290.38 | +S$155.13 |
| With hospital cashA daily sum while in hospital after an accident; the cheapest plan with it: Tokio Marine, TM 365 Personal Accident Plan A (S$50,000), me and my spouse. | S$279.59 | +S$144.34 |
Why it costs this
- Insurers price personal accident cover by the job's accident risk: factory worker is class 3 on the form (skilled manual work), and some insurers rate each job on their own list.
- A couple pays 2.6 times what one adult pays; the spouse is priced in office work.
- The sum insured comes next: from S$135.25 at S$50,000 to S$1,155.40 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.
- 3 insurers do not quote this online: FWD (This insurer has no online price for this combination of adults and children); HSBC Life (This insurer has no online price for this job); Lonpac (This insurer has no online price for this job).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
Other jobs in class 3
For a couple, no job the insurers price online costs less than this one; 81 cost the same.
| Job | Lowest price | Cheapest insurer |
|---|---|---|
| Aircraft ground crew or technician | S$135.25 | HL Assurance |
| Bus captain or train operator | S$135.25 | HL Assurance |
| Carpenter | S$135.25 | HL Assurance |
| Chef or cook | S$135.25 | HL Assurance |
| Cleaner (kitchen, outdoor or industrial) | S$135.25 | HL Assurance |
| Delivery rider | S$135.25 | HL Assurance |
| Driver (taxi, private hire, van, lorry) | S$135.25 | HL Assurance |
| Driving instructor | 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 factory worker. Compare personal accident insurance for your own answers.
Questions people ask
How much is personal accident insurance for a couple if my job is factory 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$349.56, across 19 insurers.
How much more is it than covering only me?
One adult in the same job pays from S$51.27 (HL Assurance); a couple from S$135.25 (HL Assurance).
What is the cheapest plan that covers dengue?
HL Assurance Family Protect360 Bronze, Family (me and my spouse; S$50,000 an adult; priced as the Family plan), 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$290.38 at S$100,000, S$482.22 at S$200,000, S$1,155.40 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 couple online?
FWD (This insurer has no online price for this combination of adults and children); HSBC Life (This insurer has no online price for this job); Lonpac (This insurer has no online price for this job).