Firefighter or civil defence officer: personal accident insurance for a family with 2 children

In short

On 28 Oct 2026, personal accident insurance for a family with 2 children (you, your spouse and your 2 children), your job firefighter or civil defence officer, costs from S$746.43 a year (GST included) at Income, PA Assurance Basic, family (S$100,000 each adult; each child 40% off), at S$50,000 cover; it is the only insurer that quotes it online.

• Cheapest: S$746.43 a year at Income; the middle of 1 insurers is S$746.43.
• One adult in the same job: from S$233.26.
• At S$200,000 cover: from S$1,158.02 at Income.

By sum insured

• S$50,000: from S$746.43 at Income
• S$100,000: from S$746.43 at Income
• S$200,000: from S$1,158.02 at Income
• S$500,000: no online price

Why it costs this

• Insurers price personal accident cover by the job's accident risk: firefighter or civil defence officer is class 4 on the form (heavy manual or high-risk 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 2 children pays 3.2 times what one adult pays, not one policy each. The spouse is priced in office work.
• 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.
• 21 insurers do not quote this online: AIG (This insurer has no online price for this job); Allianz (This insurer has no online price for this job); China Taiping (This insurer has no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); Chubb (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); FWD (This insurer has no online price for this combination of adults and children); 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); India International (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); UOI (This insurer has no online price for this job).

Price history

Since 27 Oct 2026 the lowest price is unchanged, and Income has been cheapest throughout.

Other jobs in class 4

For a family with 2 children, 96 of the 98 jobs the insurers price online cost less than this one; 1 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.