Typical personal accident quotes
Other heavy manual or high-risk work: personal accident insurance for a couple
What personal accident insurance costs today for you and your spouse, if your job is other heavy manual or high-risk work 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 other heavy manual or high-risk work, costs from S$453.49 a year (GST included) at Chubb, DBS MultiGen Protect Classic, me and my spouse (S$100,000 each adult; 10% multi-member discount), at S$50,000 cover; it is the only insurer that quotes it online.
- Cheapest: S$453.49 a year at Chubb; the middle of 1 insurers is S$453.49.
- One adult in the same job: from S$251.94.
- At S$100,000 cover: from S$453.49 at Chubb.
Insurer by insurer
| Insurer | A year | Medical expenses | Hospital cash a day | Dengue and other infectious diseases |
|---|---|---|---|---|
| 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 |
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); 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); Income (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).
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$453.49 at Chubb
- S$100,000: from S$453.49 at Chubb
- S$200,000: no online price
- S$500,000: no online price
What would change the price
| Change | Lowest price | Difference |
|---|---|---|
| S$100,000 cover insteadTwice the payout for death or permanent disability (Chubb). | S$453.49 | the same |
Why it costs this
- Insurers price personal accident cover by the job's accident risk: other heavy manual or high-risk work is class 4 on the form (heavy manual or high-risk work), and some insurers rate each job on their own list.
- A couple pays 1.8 times what one adult pays; 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); 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); 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); Income (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 Chubb has been cheapest throughout.
Other jobs in class 4
For a couple, 91 of the 98 jobs the insurers price online cost less than this one; 4 cost the same.
| Job | Lowest price | Cheapest insurer |
|---|---|---|
| Security officer (armed) | S$135.25 | HL Assurance |
| Lifeguard | S$135.25 | HL Assurance |
| Butcher | S$218.00 | EQ Insurance |
| Crane or heavy machinery operator | S$234.35 | India International |
| Construction worker | S$266.83 | UOI |
| Diver | S$266.83 | UOI |
| Pilot or aircrew (flight deck) | S$266.83 | UOI |
| Professional sportsperson | S$453.49 | 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 other heavy manual or high-risk work. Compare personal accident insurance for your own answers.
Questions people ask
How much is personal accident insurance for a couple if my job is other heavy manual or high-risk work?
From S$453.49 a year at Chubb on today's prices, at S$50,000 cover with GST; the middle insurer's cheapest plan is S$453.49, across 1 insurers.
How much more is it than covering only me?
One adult in the same job pays from S$251.94 (Chubb); a couple from S$453.49 (Chubb).
What is the cheapest plan that covers dengue?
Chubb DBS MultiGen Protect Classic, me and my spouse (S$100,000 each adult; 10% multi-member discount), S$453.49 today, covers dengue and other infectious diseases as its policy lists them.
How much is a higher sum insured?
The lowest price is S$453.49 at S$50,000, S$453.49 at S$100,000.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and Chubb has been cheapest throughout.
Which insurers do not quote a couple 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 job); 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); Income (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).