Typical personal accident quotes
Police, SAF or civil defence (office or admin work only): personal accident insurance for one adult
What personal accident insurance costs today for you alone, if your job is police, saf or civil defence (office or admin work only): 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 one adult (you alone), your job police, saf or civil defence (office or admin work only), costs from S$51.27 a year (GST included) at HL Assurance, Family Protect360 Bronze (S$50,000 an adult), at S$50,000 cover; 6 insurers quote it online, up to S$301.93 at FWD.
- Cheapest: S$51.27 a year at HL Assurance; the middle of 6 insurers is S$183.34.
- At S$500,000 cover: from S$522.76 at UOI.
Insurer by insurer
| Insurer | A year | Medical expenses | Hospital cash a day | Dengue and other infectious diseases |
|---|---|---|---|---|
| HL AssuranceFamily Protect360 Bronze (S$50,000 an adult) | S$51.27 | S$500 | Not included | Covered |
| SompoPA Ease Plan 1 (S$50,000) | S$95.92 | S$1,000 | Not included | Covered |
| UOIUniPA Value (S$100,000) | S$133.42 | S$2,000 | Not included | Not covered |
| IncomePA Assurance Basic (S$100,000) | S$233.26 | S$3,000 | S$100 | Not covered |
| AllianzAccident Protect Plus Silver (S$100,000) | S$281.15 | S$3,000 | S$50 | Covered |
| FWDFWD Life PA S$100,000 (Plan A) | S$301.93 | S$2,000 | Not included | Covered |
No online price: AIG (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 job); ERGO (This insurer has no online price for this job); Etiqa (This insurer has no online price for this job); 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); 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); Tokio Marine (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$51.27 at HL Assurance
- S$100,000: from S$133.42 at UOI
- S$200,000: from S$218.76 at UOI
- S$500,000: from S$522.76 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$133.42 | +S$82.15 |
| With hospital cashA daily sum while in hospital after an accident; the cheapest plan with it: Sompo, PAStar Deluxe (S$100,000). | S$196.20 | +S$144.93 |
Why it costs this
- Insurers price personal accident cover by the job's accident risk: police, saf or civil defence (office or admin work only) is class 3 on the form (skilled manual work), and some insurers rate each job on their own list.
- The sum insured comes next: from S$51.27 at S$50,000 to S$522.76 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.
- 16 insurers do not quote this online: AIG (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 job); ERGO (This insurer has no online price for this job); Etiqa (This insurer has no online price for this job); 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); 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); Tokio Marine (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 one adult, 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$51.27 | HL Assurance |
| Bus captain or train operator | S$51.27 | HL Assurance |
| Carpenter | S$51.27 | HL Assurance |
| Chef or cook | S$51.27 | HL Assurance |
| Cleaner (kitchen, outdoor or industrial) | S$51.27 | HL Assurance |
| Delivery rider | S$51.27 | HL Assurance |
| Driver (taxi, private hire, van, lorry) | S$51.27 | HL Assurance |
| Driving instructor | S$51.27 | 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 police, saf or civil defence (office or admin work only). Compare personal accident insurance for your own answers.
Questions people ask
How much is personal accident insurance for one adult if my job is police, saf or civil defence (office or admin work only)?
From S$51.27 a year at HL Assurance on today's prices, at S$50,000 cover with GST; the middle insurer's cheapest plan is S$183.34, across 6 insurers.
What is the cheapest plan that covers dengue?
HL Assurance Family Protect360 Bronze (S$50,000 an adult), S$51.27 today, covers dengue and other infectious diseases as its policy lists them.
How much is a higher sum insured?
The lowest price is S$51.27 at S$50,000, S$133.42 at S$100,000, S$218.76 at S$200,000, S$522.76 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 one adult online?
AIG (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 job); ERGO (This insurer has no online price for this job); Etiqa (This insurer has no online price for this job); 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); 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); Tokio Marine (This insurer has no online price for this job).