Typical personal accident quotes
Security officer (unarmed): personal accident insurance for a parent and 4 children
What personal accident insurance costs today for you and your 4 children, if your job is security officer (unarmed): 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 parent and 4 children (you and your 4 children), your job security officer (unarmed), costs from S$208.19 a year (GST included) at Liberty, PACare Plus Enhanced Essential, me and my children (S$50,000), at S$50,000 cover; 15 insurers quote it online, up to S$977.73 at FWD.
- Cheapest: S$208.19 a year at Liberty; the middle of 15 insurers is S$516.66.
- One adult in the same job: from S$95.92.
- At S$500,000 cover: from S$1,122.70 at Sompo.
Insurer by insurer
| Insurer | A year | Medical expenses | Hospital cash a day | Dengue and other infectious diseases |
|---|---|---|---|---|
| LibertyPACare Plus Enhanced Essential, me and my children (S$50,000) | S$208.19 | S$1,000 | S$50 | Covered |
| SompoPA Ease Plan 1, me and my children (S$50,000; each child S$47.96) | S$287.76 | S$1,000 | Not included | Covered |
| Tokio MarineTM 365 Personal Accident Plan A (S$50,000) with Child Protector, me and my children | S$333.54 | S$2,000 | S$50 | Covered |
| ERGOERGO AccidentProtect Basic (S$100,000), Core Cover, me and my children (core premium plus 40%; children at 20% of the cover) | S$364.00 | S$3,000 | Not included | Covered |
| AllianzAccident Protect Plus Silver, me and my children (S$100,000; each child on the Child plan, S$48.90; 15% off the whole premium) | S$405.23 | S$3,000 | S$50 | Covered |
| QBEPA Prestige Plan A, me and my children (S$100,000; each child S$30.52) | S$410.93 | S$3,000 | S$100 | Covered |
| EtiqaTiq Personal Accident Enhanced Silver, Me and my children (S$125,000) | S$417.91 | S$500 | S$50 | Covered |
| Great EasternPA Supreme Plan A, me and my children (S$100,000; each child S$56.68, up to 6) | S$516.66 | S$2,000 | S$100 | Not covered |
| AIGSapphire Enhanced Choices Standard, Basic package, me and my children (S$100,000) | S$519.93 | S$2,000 | S$50 | Covered |
| SinglifePersonal Accident Lite, me and my children (S$100,000) | S$570.46 | S$3,000 | S$50 | Covered |
| China TaipingEconomy, me and my children (Family plan: S$100,000 for you, S$10,000 each child) | S$582.06 | S$1,000 | S$100 | Covered |
| ChubbDBS MultiGen Protect Classic, me and my children (S$100,000; each child S$60,000 disability; 10-20% multi-member discount) | S$726.13 | S$2,000 | Not included | Covered |
| MSIGPA RecoveryPlus Silver, me and my children (S$100,000) | S$741.90 | S$1,000 | S$50 | Covered |
| IncomePA Assurance Basic, me and my children (S$100,000; each child 40% off) | S$793.08 | S$3,000 | S$100 | Not covered |
| FWDFWD Life PA S$100,000 (Plan A), me and my children | S$977.73 | S$2,000 | Not included | Covered |
No online price: EQ Insurance (This insurer has no online price for this combination of adults and children); Great American (This insurer has no online price for this combination of adults and children); 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); Lonpac (This insurer has no online price for this combination of adults and children); UOI (This insurer has no online price for this combination of adults and children).
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$208.19 at Liberty
- S$100,000: from S$364.00 at ERGO
- S$200,000: from S$606.20 at ERGO
- S$500,000: from S$1,122.70 at Sompo
What would change the price
| Change | Lowest price | Difference |
|---|---|---|
| S$100,000 cover insteadTwice the payout for death or permanent disability (ERGO). | S$364.00 | +S$155.81 |
| If your job were office workAn accountant, the same cover (HL Assurance): what your job adds. | S$135.25 | −S$72.94 |
Why it costs this
- Insurers price personal accident cover by the job's accident risk: security officer (unarmed) is class 3 on the form (skilled manual work), and some insurers rate each job on their own list. Today the lowest price is 54% more than 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 2.2 times what one adult pays, not one policy each.
- The sum insured comes next: from S$208.19 at S$50,000 to S$1,122.70 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.
- 7 insurers do not quote this online: EQ Insurance (This insurer has no online price for this combination of adults and children); Great American (This insurer has no online price for this combination of adults and children); 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); Lonpac (This insurer has no online price for this combination of adults and children); 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 Liberty has been cheapest throughout.
Other jobs in class 3
For a parent and 4 children, 83 of the 98 jobs the insurers price online cost less than this one.
| 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 security officer (unarmed). Compare personal accident insurance for your own answers.
Questions people ask
How much is personal accident insurance for a parent and 4 children if my job is security officer (unarmed)?
From S$208.19 a year at Liberty on today's prices, at S$50,000 cover with GST; the middle insurer's cheapest plan is S$516.66, across 15 insurers.
How much more is it than covering only me?
One adult in the same job pays from S$95.92 (Sompo); a parent and 4 children from S$208.19 (Liberty).
What is the cheapest plan that covers dengue?
Liberty PACare Plus Enhanced Essential, me and my children (S$50,000), S$208.19 today, covers dengue and other infectious diseases as its policy lists them.
How much is a higher sum insured?
The lowest price is S$208.19 at S$50,000, S$364.00 at S$100,000, S$606.20 at S$200,000, S$1,122.70 at S$500,000.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and Liberty has been cheapest throughout.
Which insurers do not quote a parent and 4 children online?
EQ Insurance (This insurer has no online price for this combination of adults and children); Great American (This insurer has no online price for this combination of adults and children); 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); Lonpac (This insurer has no online price for this combination of adults and children); UOI (This insurer has no online price for this combination of adults and children).