Personal accident insurance
How much personal accident cover can you get for your money?
Each insurer's cheapest plan today at four sums insured, for one adult in office work, with the medical expenses and hospital cash that come with it.
Compare every insurer we price for an office worker on one page: https://shentonbrokers.com/prices/pa/office-worker-200k
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/personal-accident-insurance-sum-insured
Personal accident insurance promotions today: Etiqa, 30% off; MSIG, 20% off; HL Assurance, 10% off. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
On 12 Nov 2026, the cheapest personal accident insurance for one adult in office work with S$50,000 cover is S$83.97 a year (GST included) at HL Assurance, Family Protect360 Bronze (S$50,000 an adult); 22 insurers price it.
S$50,000 cover
| Insurer | Price | Medical expenses | Hospital cash a day |
|---|---|---|---|
| 1. HL AssuranceFamily Protect360 Bronze (S$50,000 an adult)Buy Now | S$83.97 | S$500 | Not included |
| 2. India Internationali-Aid Basic (S$50,000)Buy Now | S$87.20 | S$3,000 | Not included |
| 3. Tokio MarineTM 365 Personal Accident Plan A (S$50,000)Buy Now | S$92.65 | S$2,000 | S$50 |
| 4. SompoPA Ease Plan 1 (S$50,000)Buy Now | S$95.92 | S$1,000 | Not included |
| 5. HSBC LifeHSBC Life Band Aid Package 1 (S$100,000), basic planBuy Now | S$102.46 | Not included | Not included |
| 6. EQ InsuranceEQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000)Buy Now | S$109.00 | Not included | Not included |
| 7. Great AmericanGreat Personal Accident Insurance Classic (S$100,000) BasicBuy Now | S$124.28 | S$4,000 | Not included |
| 8. MSIGProtectionPlus Silver (S$100,000)Buy Now | S$125.35 | S$1,000 | S$50 |
| 9. UOIUniPA Value (S$100,000)Buy Now | S$133.42 | S$2,000 | Not included |
| 10. ERGOERGO AccidentProtect Basic (S$100,000), Core CoverBuy Now | S$135.00 | S$3,000 | Not included |
| 11. LibertyPACare Plus Enhanced Essential (S$50,000)Buy Now | S$146.06 | S$1,000 | S$50 |
| 12. Great EasternPA Supreme Plan A (S$100,000)Buy Now | S$161.32 | S$2,000 | S$100 |
| 13. FWDFWD Life PA S$100,000 (Plan A)Buy Now | S$168.95 | S$2,000 | Not included |
| 14. AllianzAccident Protect Plus Silver (S$100,000)Buy Now | S$171.14 | S$3,000 | S$50 |
| 15. LonpacPersonal CarePlus Basic (S$100,000)Buy Now | S$171.20 | S$5,000 | S$75 |
| 16. AIGSapphire Enhanced Choices Standard, Basic package (S$100,000)Buy Now | S$173.31 | S$2,000 | S$50 |
| 17. EtiqaTiq Personal Accident Enhanced Silver (S$125,000)Buy Now | S$175.27 | S$500 | S$50 |
| 18. China TaipingEconomy (S$100,000)Buy Now | S$188.57 | S$1,000 | S$100 |
| 19. QBEPA Prestige Plan A (S$100,000)Buy Now | S$223.45 | S$3,000 | S$100 |
| 20. IncomePA Assurance Basic (S$100,000)Buy Now | S$233.26 | S$3,000 | S$100 |
| 21. ChubbDBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)Buy Now | S$251.94 | S$2,000 | Not included |
| 22. SinglifePersonal Accident Lite (S$100,000)Buy Now | S$285.23 | S$3,000 | S$50 |
Cheapest with at least S$5,000 of medical expenses: India International, i-Aid Standard (S$100,000), S$158.05. Every plan for this example.
S$100,000 cover
| Insurer | Price | Medical expenses | Hospital cash a day |
|---|---|---|---|
| 1. Great AmericanGreat Personal Accident Insurance Classic (S$100,000) BasicBuy Now | S$124.28 | S$4,000 | Not included |
| 2. MSIGProtectionPlus Silver (S$100,000)Buy Now | S$125.35 | S$1,000 | S$50 |
| 3. EQ InsuranceEQ Personal Accident with medical expenses (S$100,000)Buy Now | S$129.06 | S$5,000 | Not included |
| 4. UOIUniPA Value (S$100,000)Buy Now | S$133.42 | S$2,000 | Not included |
| 5. ERGOERGO AccidentProtect Basic (S$100,000), Core CoverBuy Now | S$135.00 | S$3,000 | Not included |
| 6. Tokio MarineTM 365 Personal Accident Plan B (S$100,000)Buy Now | S$141.70 | S$4,000 | S$100 |
| 7. SompoPA Ease Plan 2 (S$100,000)Buy Now | S$154.78 | S$2,000 | Not included |
| 8. India Internationali-Aid Standard (S$100,000)Buy Now | S$158.05 | S$5,000 | Not included |
| 9. Great EasternPA Supreme Plan A (S$100,000)Buy Now | S$161.32 | S$2,000 | S$100 |
| 10. HL AssuranceFamily Protect360 Silver (S$100,000 an adult)Buy Now | S$167.95 | S$1,000 | Not included |
| 11. FWDFWD Life PA S$100,000 (Plan A)Buy Now | S$168.95 | S$2,000 | Not included |
| 12. AllianzAccident Protect Plus Silver (S$100,000)Buy Now | S$171.14 | S$3,000 | S$50 |
| 13. LonpacPersonal CarePlus Basic (S$100,000)Buy Now | S$171.20 | S$5,000 | S$75 |
| 14. AIGSapphire Enhanced Choices Standard, Basic package (S$100,000)Buy Now | S$173.31 | S$2,000 | S$50 |
| 15. EtiqaTiq Personal Accident Enhanced Silver (S$125,000)Buy Now | S$175.27 | S$500 | S$50 |
| 16. China TaipingEconomy (S$100,000)Buy Now | S$188.57 | S$1,000 | S$100 |
| 17. HSBC LifeHSBC Life Band Aid Package 1 (S$100,000) with all 6 optional benefitsBuy Now | S$197.78 | S$2,000 | Not included |
| 18. QBEPA Prestige Plan A (S$100,000)Buy Now | S$223.45 | S$3,000 | S$100 |
| 19. LibertyPACare Plus Enhanced Economy (S$100,000)Buy Now | S$227.81 | S$3,000 | S$100 |
| 20. IncomePA Assurance Basic (S$100,000)Buy Now | S$233.26 | S$3,000 | S$100 |
| 21. ChubbDBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)Buy Now | S$251.94 | S$2,000 | Not included |
| 22. SinglifePersonal Accident Lite (S$100,000)Buy Now | S$285.23 | S$3,000 | S$50 |
Cheapest with at least S$5,000 of medical expenses: EQ Insurance, EQ Personal Accident with medical expenses (S$100,000), S$129.06. Every plan for this example.
S$200,000 cover
| Insurer | Price | Medical expenses | Hospital cash a day |
|---|---|---|---|
| 1. Great AmericanGreat Personal Accident Insurance Elite (S$200,000) BasicBuy Now | S$222.08 | S$6,000 | Not included |
| 2. ERGOERGO AccidentProtect Essential (S$200,000), Core CoverBuy Now | S$223.00 | S$6,000 | Not included |
| 3. India Internationali-Aid Enhanced (S$200,000)Buy Now | S$239.80 | S$6,000 | Not included |
| 4. Tokio MarineTM 365 Personal Accident Plan C (S$200,000)Buy Now | S$250.70 | S$6,000 | S$150 |
| 5. EQ InsuranceEQ Personal Accident with medical expenses (the sum you choose, S$200,000 or S$500,000)Buy Now | S$253.32 | S$10,000 | Not included |
| 6. Great EasternPA Supreme Plan B (S$200,000)Buy Now | S$283.40 | S$4,000 | S$200 |
| 7. FWDFWD Life PA S$200,000 (Plan B)Buy Now | S$283.84 | S$3,000 | Not included |
| 8. EtiqaTiq Personal Accident Enhanced Gold (S$300,000)Buy Now | S$284.84 | S$1,500 | S$100 |
| 9. LonpacPersonal CarePlus Standard (S$200,000)Buy Now | S$303.60 | S$6,000 | S$100 |
| 10. AIGSapphire Enhanced Choices Preferred, Basic package (S$200,000)Buy Now | S$305.20 | S$6,000 | S$100 |
| 11. China TaipingExecutive (S$200,000)Buy Now | S$308.47 | S$2,000 | S$150 |
| 12. SompoPAStar Elite (S$200,000)Buy Now | S$316.10 | S$4,000 | S$150 |
| 13. MSIGPA RecoveryPlus Gold (S$200,000)Buy Now | S$322.73 | S$2,000 | S$100 |
| 14. QBEPA Prestige Plan B (S$200,000)Buy Now | S$337.90 | S$5,000 | S$100 |
| 15. HSBC LifeHSBC Life Band Aid Package 2 (S$200,000) with all 6 optional benefitsBuy Now | S$357.36 | S$3,000 | S$100 |
| 16. IncomePA Assurance Classic (S$200,000)Buy Now | S$361.88 | S$6,000 | S$150 |
| 17. AllianzAccident Protect Plus Gold (S$250,000)Buy Now | S$378.94 | S$5,000 | S$100 |
| 18. LibertyPACare Plus Enhanced Executive (S$200,000)Buy Now | S$389.13 | S$5,000 | S$200 |
| 19. SinglifePersonal Accident Standard (S$200,000)Buy Now | S$423.57 | S$4,000 | S$100 |
| 20. UOIUniPA Pro (S$500,000)Buy Now | S$522.76 | S$5,000 | Not included |
| 21. HL AssuranceFamily Protect360 Premier (S$250,000 an adult)Buy Now | S$528.66 | S$2,500 | Not included |
Cheapest with at least S$5,000 of medical expenses: Great American, Great Personal Accident Insurance Elite (S$200,000) Basic, S$222.08. Every plan for this example.
S$500,000 cover
| Insurer | Price | Medical expenses | Hospital cash a day |
|---|---|---|---|
| 1. MSIGPA PrimePlus (Series II) Silver (S$500,000)Buy Now | S$324.28 | Not included | Not included |
| 2. EQ InsuranceEQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000)Buy Now | S$436.00 | Not included | Not included |
| 3. EtiqaTiq Personal Accident Enhanced Platinum (S$500,000)Buy Now | S$496.17 | S$2,000 | S$200 |
| 4. HSBC LifeHSBC Life Band Aid Package 3 (S$500,000), basic planBuy Now | S$512.30 | Not included | Not included |
| 5. UOIUniPA Pro (S$500,000)Buy Now | S$522.76 | S$5,000 | Not included |
| 6. AIGSapphire Enhanced Choices Prestige, Basic package (S$500,000)Buy Now | S$577.70 | S$10,000 | S$250 |
| 7. ERGOERGO AccidentProtect Deluxe (S$500,000), Core CoverBuy Now | S$580.00 | S$10,000 | Not included |
| 8. China TaipingTitanium (S$500,000)Buy Now | S$591.87 | S$5,000 | S$300 |
| 9. Great EasternPA Supreme Plan D (S$500,000)Buy Now | S$606.04 | S$7,000 | S$300 |
| 10. FWDFWD Life PA S$500,000 (Plan C)Buy Now | S$640.92 | S$4,000 | Not included |
| 11. QBEPA Prestige Plan C (S$500,000)Buy Now | S$643.10 | S$10,000 | S$100 |
| 12. AllianzAccident Protect Plus Platinum (S$500,000)Buy Now | S$709.02 | S$7,000 | S$200 |
| 13. SompoPAStar Elite Plus (S$500,000)Buy Now | S$720.49 | S$7,000 | S$300 |
| 14. IncomePA Assurance Premium (S$500,000)Buy Now | S$817.50 | S$15,000 | S$300 |
| 15. LibertyPACare Plus Enhanced Exclusive (S$500,000)Buy Now | S$819.68 | S$10,000 | S$400 |
Cheapest with at least S$5,000 of medical expenses: EQ Insurance, EQ Personal Accident with medical expenses (the sum you choose, S$200,000 or S$500,000), S$514.92. Every plan for this example.
Compare personal accident insurance for your own answers.
Buy Now addresses
Each listed insurer's best-value plan for accountant, S$200,000 cover, lowest premium first.
- Great American, Great Personal Accident Insurance Elite (S$200,000) Basic: https://shentonbrokers.com/go/buy/pa/great-american/elite-basic?coverFor=myself&occupation=accountant&sumInsured=200000
- Etiqa, Tiq Personal Accident Enhanced Gold (S$300,000): https://www.tiq.com.sg/buy-online/tiq-personal-accident/quotation/?referral=A501895
- ERGO, ERGO AccidentProtect Essential (S$200,000), Core Cover + Add-on Cover 1: https://shentonbrokers.com/go/buy/pa/ergo/essential-addon1?coverFor=myself&occupation=accountant&sumInsured=200000
- AIG, Sapphire Enhanced Choices Preferred, Basic package (S$200,000): https://www.aig.sg/home/solutions/personal/accident-and-health/sapphire-enhanced?pc=030303
- Sompo, PAStar Elite (S$200,000): https://www.sompo.com.sg/products/pa-star/quotation/GetQuote?p=STI33804
- QBE, PA Prestige Plan B (S$200,000): https://sg-customer.qbe.com/pa/partner/01001305
- MSIG, ProtectionPlus Platinum (S$250,000): https://shentonbrokers.com/go/msig/pa-protectionplus
- Liberty, PACare Plus Enhanced Executive (S$200,000): https://shentonbrokers.com/go/buy/pa/liberty/pacare-executive?coverFor=myself&occupation=accountant&sumInsured=200000
- Income, PA Assurance Classic with infectious disease cover (S$200,000): https://shentonbrokers.com/go/buy/pa/income/classic-infectious?coverFor=myself&occupation=accountant&sumInsured=200000
- HL Assurance, Family Protect360 Premier (S$250,000 an adult): https://app.hlas.com.sg/redirect?source=agent&sac=SI000001&mwc=SIB&referrer=a/a/vivien
Questions people ask
Which insurer is cheapest for one adult in office work with S$50,000 cover?
Today, the cheapest personal accident insurance for one adult in office work with S$50,000 cover is S$83.97 a year (GST included) at HL Assurance, Family Protect360 Bronze (S$50,000 an adult); 22 insurers price it.
What is the cheapest plan with at least S$5,000 of medical expenses, for one adult in office work with S$50,000 cover?
India International, i-Aid Standard (S$100,000), at S$158.05 a year on today's prices, GST included.
Which insurer is cheapest for one adult in office work with S$100,000 cover?
Today, the cheapest personal accident insurance for one adult in office work with S$100,000 cover is S$124.28 a year (GST included) at Great American, Great Personal Accident Insurance Classic (S$100,000) Basic; 22 insurers price it.
What is the cheapest plan with at least S$5,000 of medical expenses, for one adult in office work with S$100,000 cover?
EQ Insurance, EQ Personal Accident with medical expenses (S$100,000), at S$129.06 a year on today's prices, GST included.
Which insurer is cheapest for one adult in office work with S$200,000 cover?
Today, the cheapest personal accident insurance for one adult in office work with S$200,000 cover is S$222.08 a year (GST included) at Great American, Great Personal Accident Insurance Elite (S$200,000) Basic; 21 insurers price it.
What is the cheapest plan with at least S$5,000 of medical expenses, for one adult in office work with S$200,000 cover?
Great American, Great Personal Accident Insurance Elite (S$200,000) Basic, at S$222.08 a year on today's prices, GST included.
Which insurer is cheapest for one adult in office work with S$500,000 cover?
Today, the cheapest personal accident insurance for one adult in office work with S$500,000 cover is S$324.28 a year (GST included) at MSIG, PA PrimePlus (Series II) Silver (S$500,000); 15 insurers price it.
What is the cheapest plan with at least S$5,000 of medical expenses, for one adult in office work with S$500,000 cover?
EQ Insurance, EQ Personal Accident with medical expenses (the sum you choose, S$200,000 or S$500,000), at S$514.92 a year on today's prices, GST included.
What does the sum insured pay?
The sum insured is what the plan pays for accidental death or total permanent disablement, in full or by a scale. Medical expenses and hospital cash are separate limits: the tables show them.