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Personal accident insurance
Personal accident insurance for skilled manual jobs (class 3): prices compared
Class 3 job, S$50,000 cover
As of 28 Oct 2026 (Singapore time)
20 insurers price this, from S$51.27 to S$1,108.33 (as at 5 Oct 2026).
What we assumed
- One adult aged 18 to 59
- A class 3 job: Aircraft ground crew or technician, Bus captain or train operator, Carpenter, Chef or cook, Cleaner (kitchen, outdoor or industrial), Delivery rider and 19 more
- S$50,000 sum insured
Example prices
| Insurer | Plan | Premium | Excess | As at |
|---|---|---|---|---|
| HL AssuranceFamily Protect360 Bronze (S$50,000 an adult) | Family Protect360 Bronze (S$50,000 an adult) | S$0.00 | 8 Oct 2026 | |
| EQ InsuranceEQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$200,000) | EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$200,000) | S$109.00 | S$0.00 | 5 Oct 2026 |
| SompoPA Ease Plan 1 (S$50,000) | PA Ease Plan 1 (S$50,000) | S$130.80 | S$0.00 | 9 Oct 2026 |
| EQ InsuranceEQ Personal Accident with medical expenses (S$50,000) | EQ Personal Accident with medical expenses (S$50,000) | S$134.07 | S$0.00 | 5 Oct 2026 |
| HL AssuranceFamily Protect360 Silver (S$100,000 an adult) | Family Protect360 Silver (S$100,000 an adult) | S$0.00 | 8 Oct 2026 | |
| India Internationali-Aid Basic (S$50,000) | i-Aid Basic (S$50,000) | S$147.15 | S$0.00 | 10 Oct 2026 |
| AllianzAccident Protect Plus Silver (S$100,000) | Accident Protect Plus Silver (S$100,000) | S$171.14 | S$0.00 | 19 Oct 2026 |
| EtiqaTiq Personal Accident Enhanced Silver (S$125,000) | Tiq Personal Accident Enhanced Silver (S$125,000) | S$0.00 | 15 Oct 2026 | |
| EQ InsuranceEQ Personal Accident with medical expenses and income (S$50,000) | EQ Personal Accident with medical expenses and income (S$50,000) | S$198.38 | S$0.00 | 5 Oct 2026 |
| MSIGProtectionPlus Silver (S$100,000) | ProtectionPlus Silver (S$100,000) | S$207.10 | S$0.00 | 19 Oct 2026 |
| LibertyPACare Plus Enhanced Essential (S$50,000) | PACare Plus Enhanced Essential (S$50,000) | S$208.19 | S$0.00 | 9 Oct 2026 |
| Tokio MarineTM 365 Personal Accident Plan A (S$50,000) | TM 365 Personal Accident Plan A (S$50,000) | S$218.00estimate | S$0.00 | 19 Oct 2026 |
| Great AmericanGreat Personal Accident Insurance Classic (S$100,000) Basic | Great Personal Accident Insurance Classic (S$100,000) Basic | S$229.27estimate | S$0.00 | 17 Oct 2026 |
| IncomePA Assurance Basic (S$100,000) | PA Assurance Basic (S$100,000) | S$233.26 | S$0.00 | 16 Oct 2026 |
| SompoPA Ease Plan 2 (S$100,000) | PA Ease Plan 2 (S$100,000) | S$233.26 | S$0.00 | 9 Oct 2026 |
| ChubbDBS MultiGen Protect Classic (S$100,000; underwritten by Chubb) | DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb) | S$251.94 | S$0.00 | 20 Oct 2026 |
| IncomePA Assurance Basic with infectious disease cover (S$100,000) | PA Assurance Basic with infectious disease cover (S$100,000) | S$255.06 | S$0.00 | 16 Oct 2026 |
| ERGOERGO AccidentProtect Basic (S$100,000), Core Cover | ERGO AccidentProtect Basic (S$100,000), Core Cover | S$260.00 | S$0.00 | 19 Oct 2026 |
| India Internationali-Aid Standard (S$100,000) | i-Aid Standard (S$100,000) | S$272.50 | S$0.00 | 10 Oct 2026 |
| QBEPA Prestige Plan A (S$100,000) | PA Prestige Plan A (S$100,000) | S$288.85 | S$0.00 | 11 Oct 2026 |
| Great EasternPA Supreme Plan A (S$100,000) | PA Supreme Plan A (S$100,000) | S$289.94 | S$0.00 | 17 Oct 2026 |
| FWDFWD Life PA S$100,000 (Plan A) | FWD Life PA S$100,000 (Plan A) | S$301.93 | S$0.00 | 5 Oct 2026 |
| Tokio MarineTM 365 Personal Accident Plan B (S$100,000) | TM 365 Personal Accident Plan B (S$100,000) | S$305.20estimate | S$0.00 | 19 Oct 2026 |
| EtiqaTiq Personal Accident Enhanced Gold (S$300,000) | Tiq Personal Accident Enhanced Gold (S$300,000) | S$0.00 | 15 Oct 2026 | |
| SompoPA Ease Plan 3 (S$150,000) | PA Ease Plan 3 (S$150,000) | S$327.00 | S$0.00 | 9 Oct 2026 |
| FWDFWD Life PA S$100,000 (Plan A) with Catch-All Rider | FWD Life PA S$100,000 (Plan A) with Catch-All Rider | S$327.33 | S$0.00 | 5 Oct 2026 |
| AIGSapphire Enhanced Choices Standard, Basic package (S$100,000) | Sapphire Enhanced Choices Standard, Basic package (S$100,000) | S$346.62 | S$0.00 | 12 Oct 2026 |
| MSIGPA RecoveryPlus Silver (S$100,000) | PA RecoveryPlus Silver (S$100,000) | S$0.00 | 19 Oct 2026 | |
| MSIGProtectionPlus Gold (S$150,000) | ProtectionPlus Gold (S$150,000) | S$354.25 | S$0.00 | 19 Oct 2026 |
| IncomePA Assurance Classic (S$200,000) | PA Assurance Classic (S$200,000) | S$361.88 | S$0.00 | 16 Oct 2026 |
| ChubbDBS MultiGen Protect Premier (S$150,000; underwritten by Chubb) | DBS MultiGen Protect Premier (S$150,000; underwritten by Chubb) | S$361.96 | S$0.00 | 20 Oct 2026 |
| LibertyPACare Plus Enhanced Economy (S$100,000) | PACare Plus Enhanced Economy (S$100,000) | S$367.33 | S$0.00 | 9 Oct 2026 |
| AllianzAccident Protect Plus Gold (S$250,000) | Accident Protect Plus Gold (S$250,000) | S$378.94 | S$0.00 | 19 Oct 2026 |
| IncomePA Assurance Classic with infectious disease cover (S$200,000) | PA Assurance Classic with infectious disease cover (S$200,000) | S$409.84 | S$0.00 | 16 Oct 2026 |
| Great AmericanGreat Personal Accident Insurance Elite (S$200,000) Basic | Great Personal Accident Insurance Elite (S$200,000) Basic | S$413.31estimate | S$0.00 | 17 Oct 2026 |
| UOIUniPA Value (S$100,000) | UniPA Value (S$100,000) | S$423.57 | S$0.00 | 11 Oct 2026 |
| India Internationali-Aid Enhanced (S$200,000) | i-Aid Enhanced (S$200,000) | S$425.10 | S$0.00 | 10 Oct 2026 |
| QBEPA Prestige Plan B (S$200,000) | PA Prestige Plan B (S$200,000) | S$441.45 | S$0.00 | 11 Oct 2026 |
| AIGSapphire Enhanced Choices Standard, Comprehensive package (S$100,000) | Sapphire Enhanced Choices Standard, Comprehensive package (S$100,000) | S$453.44 | S$0.00 | 12 Oct 2026 |
| SompoPAStar Deluxe (S$100,000) | PAStar Deluxe (S$100,000) | S$468.70 | S$0.00 | 9 Oct 2026 |
| China TaipingEconomy (S$100,000) | Economy (S$100,000) | S$471.97 | S$0.00 | 19 Oct 2026 |
| IncomePA Assurance Superior (S$300,000) | PA Assurance Superior (S$300,000) | S$479.60 | S$0.00 | 16 Oct 2026 |
| HL AssuranceFamily Protect360 Premier (S$250,000 an adult) | Family Protect360 Premier (S$250,000 an adult) | S$0.00 | 8 Oct 2026 | |
| Great EasternPA Supreme Plan B (S$200,000) | PA Supreme Plan B (S$200,000) | S$510.12 | S$0.00 | 17 Oct 2026 |
| FWDFWD Life PA S$100,000 (Plan A) with Income Support Rider Plan A | FWD Life PA S$100,000 (Plan A) with Income Support Rider Plan A | S$514.35 | S$0.00 | 5 Oct 2026 |
| FWDFWD Life PA S$100,000 (Plan A) with Income Support Rider Plan A and Catch-All Rider | FWD Life PA S$100,000 (Plan A) with Income Support Rider Plan A and Catch-All Rider | S$539.75 | S$0.00 | 5 Oct 2026 |
| Tokio MarineTM 365 Personal Accident Plan C (S$200,000) | TM 365 Personal Accident Plan C (S$200,000) | S$545.00estimate | S$0.00 | 19 Oct 2026 |
| IncomePA Assurance Superior with infectious disease cover (S$300,000) | PA Assurance Superior with infectious disease cover (S$300,000) | S$552.63 | S$0.00 | 16 Oct 2026 |
| EtiqaTiq Personal Accident Enhanced Platinum (S$500,000) | Tiq Personal Accident Enhanced Platinum (S$500,000) | S$0.00 | 15 Oct 2026 | |
| China TaipingExecutive (S$200,000) | Executive (S$200,000) | S$570.07 | S$0.00 | 19 Oct 2026 |
| SinglifePersonal Accident Lite (S$100,000) | Personal Accident Lite (S$100,000) | S$570.46 | S$0.00 | 5 Oct 2026 |
| AIGSapphire Enhanced Choices Preferred, Basic package (S$200,000) | Sapphire Enhanced Choices Preferred, Basic package (S$200,000) | S$610.40 | S$0.00 | 12 Oct 2026 |
| India Internationali-Aid Premium (S$300,000) | i-Aid Premium (S$300,000) | S$610.40 | S$0.00 | 10 Oct 2026 |
| Great AmericanGreat Personal Accident Insurance Ultimate (S$300,000) Basic | Great Personal Accident Insurance Ultimate (S$300,000) Basic | S$617.90estimate | S$0.00 | 17 Oct 2026 |
| MSIGPA RecoveryPlus Gold (S$200,000) | PA RecoveryPlus Gold (S$200,000) | S$0.00 | 19 Oct 2026 | |
| HL AssuranceFamily Protect360 Platinum (S$350,000 an adult) | Family Protect360 Platinum (S$350,000 an adult) | S$0.00 | 8 Oct 2026 | |
| Great EasternPA Supreme Plan C (S$300,000) | PA Supreme Plan C (S$300,000) | S$708.50 | S$0.00 | 17 Oct 2026 |
| AllianzAccident Protect Plus Platinum (S$500,000) | Accident Protect Plus Platinum (S$500,000) | S$709.02 | S$0.00 | 19 Oct 2026 |
| AIGSapphire Enhanced Choices Preferred, Comprehensive package (S$200,000) | Sapphire Enhanced Choices Preferred, Comprehensive package (S$200,000) | S$763.00 | S$0.00 | 12 Oct 2026 |
| SinglifePersonal Accident Standard (S$200,000) | Personal Accident Standard (S$200,000) | S$770.13 | S$0.00 | 5 Oct 2026 |
| AIGSapphire Enhanced Choices Deluxe, Basic package (S$300,000) | Sapphire Enhanced Choices Deluxe, Basic package (S$300,000) | S$791.34 | S$0.00 | 12 Oct 2026 |
| Tokio MarineTM 365 Personal Accident Plan D (S$300,000) | TM 365 Personal Accident Plan D (S$300,000) | S$806.60estimate | S$0.00 | 19 Oct 2026 |
| IncomePA Assurance Premium (S$500,000) | PA Assurance Premium (S$500,000) | S$817.50 | S$0.00 | 16 Oct 2026 |
| QBEPA Prestige Plan C (S$500,000) | PA Prestige Plan C (S$500,000) | S$850.20 | S$0.00 | 11 Oct 2026 |
| IncomePA Assurance Premium with infectious disease cover (S$500,000) | PA Assurance Premium with infectious disease cover (S$500,000) | S$941.76 | S$0.00 | 16 Oct 2026 |
| AIGSapphire Enhanced Choices Deluxe, Comprehensive package (S$300,000) | Sapphire Enhanced Choices Deluxe, Comprehensive package (S$300,000) | S$987.54 | S$0.00 | 12 Oct 2026 |
| China TaipingPlatinum (S$300,000) | Platinum (S$300,000) | S$1,027.87 | S$0.00 | 19 Oct 2026 |
| Great EasternPA Supreme Plan D (S$500,000) | PA Supreme Plan D (S$500,000) | S$1,086.73 | S$0.00 | 17 Oct 2026 |
| SinglifePersonal Accident Plus (S$300,000) | Personal Accident Plus (S$300,000) | S$1,108.33 | S$0.00 | 5 Oct 2026 |
All prices include 9% GST.
These are example prices for the details above. Your own price depends on your answers.
"As at" is the date we read the insurer's published price table. A price with today's date comes from the insurer's live rates.
Open the quote form with these answers filled in, then change anything that is different for you.
Get your own quoteYou finish buying on the insurer's own site. The insurer takes payment and issues the policy. This page is also available as markdown.
Questions people ask
How much is personal accident insurance for class 3 job, S$50,000 cover?
Today, 20 insurers price this, from S$51.27 to S$1,108.33 (as at 5 Oct 2026). The cheapest is HL Assurance Family Protect360 Bronze (S$50,000 an adult) at S$51.27 (as at 8 Oct 2026). All prices include 9% GST.
What do these prices assume?
One adult aged 18 to 59. A class 3 job: Aircraft ground crew or technician, Bus captain or train operator, Carpenter, Chef or cook, Cleaner (kitchen, outdoor or industrial), Delivery rider and 19 more. S$50,000 sum insured.
Will my own price be the same?
Not always. These are example prices for the assumptions on this page, and your own price depends on your answers. The quote form opens with these answers filled in, so you can change anything that is different for you.