Typical personal accident quotes
Lifeguard: personal accident insurance for a family with 1 child
What personal accident insurance costs today for you, your spouse and your child, if your job is lifeguard 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 1 child (you, your spouse and your child), your job lifeguard, 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; 8 insurers quote it online, up to S$608.39 at MSIG.
- Cheapest: S$135.25 a year at HL Assurance; the middle of 8 insurers is S$472.97.
- One adult in the same job: from S$51.27.
- At S$500,000 cover: from S$1,683.29 at Allianz.
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 |
| SompoPA Ease Plan 1, family (S$50,000 each adult; each child S$47.96) | S$274.68 | S$1,000 | Not included | Covered |
| India Internationali-Aid Basic, family (S$50,000 each adult, S$10,000 each child) | S$277.95 | S$3,000 | Not included | 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$426.01 | S$3,000 | S$50 | Covered |
| AIGSapphire Enhanced Choices Standard, Basic package, family (S$100,000 each adult) | S$519.93 | S$2,000 | S$50 | Covered |
| ChubbDBS MultiGen Protect Classic, family (S$100,000 each adult; each child S$60,000 disability; 15-20% multi-member discount) | S$567.64 | S$2,000 | Not included | Covered |
| IncomePA Assurance Basic, family (S$100,000 each adult; each child 40% off) | S$606.48 | S$3,000 | S$100 | Not covered |
| MSIGPA RecoveryPlus Silver, my family (S$100,000 each adult) | S$608.39 | S$1,000 | S$50 | Covered |
No online price: 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); 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); 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); QBE (This insurer has no online price for this job); Singlife (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).
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$303.10 at HL Assurance
- S$200,000: from S$730.30 at India International
- S$500,000: from S$1,683.29 at Allianz
What would change the price
| Change | Lowest price | Difference |
|---|---|---|
| S$100,000 cover insteadTwice the payout for death or permanent disability (HL Assurance). | S$303.10 | +S$167.85 |
| With hospital cashA daily sum while in hospital after an accident; the cheapest plan with it: Allianz, Accident Protect Plus Silver, family (S$100,000 each adult; each child on the Child plan, S$48.90; 15% off the whole premium). | S$426.01 | +S$290.76 |
Why it costs this
- Insurers price personal accident cover by the job's accident risk: lifeguard 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 about the same as an accountant's for the same cover (S$135.25).
- Family and parent plans cover the children at a set price, so a family with 1 child 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$1,683.29 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.
- 14 insurers do not quote this online: 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); 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); 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); QBE (This insurer has no online price for this job); Singlife (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 HL Assurance has been cheapest throughout.
Other jobs in class 4
For a family with 1 child, no job the insurers price online costs less than this one; 81 cost the same.
| Job | Lowest price | Cheapest insurer |
|---|---|---|
| Security officer (armed) | S$135.25 | HL Assurance |
| Construction worker | S$266.83 | UOI |
| Diver | S$266.83 | UOI |
| Pilot or aircrew (flight deck) | S$266.83 | UOI |
| Butcher | S$274.68 | Sompo |
| Crane or heavy machinery operator | S$310.65 | India International |
| Professional sportsperson | S$567.64 | Chubb |
| Offshore or marine worker | S$567.64 | Chubb |
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 lifeguard. Compare personal accident insurance for your own answers.
Questions people ask
How much is personal accident insurance for a family with 1 child if my job is lifeguard?
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$472.97, across 8 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 1 child 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$303.10 at S$100,000, S$730.30 at S$200,000, S$1,683.29 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 1 child online?
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); 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); 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); QBE (This insurer has no online price for this job); Singlife (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).