# Personal accident insurance: You and your spouse, S$50,000 cover

Indicative premiums from Shenton Insurance Brokers. As of 28 Oct 2026 (Singapore time).

## Assumptions

- Two adults aged 18 to 59, both accountants
- S$50,000 sum insured

## Premiums

Ranked by premium only, lowest first. Commission never affects the order.

| Insurer | Plan | Premium | Excess | As at |
| --- | --- | --- | --- | --- |
| HL Assurance | Family Protect360 Bronze, Family (me and my spouse; S$50,000 an adult; priced as the Family plan) | S$135.25 | S$0.00 | 8 Oct 2026 |
| Tokio Marine | TM 365 Personal Accident Plan A (S$50,000), me and my spouse | S$166.77 (estimate) | S$0.00 | 19 Oct 2026 |
| India International | i-Aid Basic, me and my spouse (S$50,000 each adult) | S$174.40 | S$0.00 | 10 Oct 2026 |
| Sompo | PA Ease Plan 1, me and my spouse (S$50,000 each adult) | S$191.84 | S$0.00 | 9 Oct 2026 |
| HSBC Life | HSBC Life Band Aid Package 1 (S$100,000), basic plan, me and my spouse (one policy each) | S$204.92 (estimate) | S$0.00 | 19 Oct 2026 |
| EQ Insurance | EQ Personal Accident, death and permanent disablement (S$50,000 each), me and my spouse (one policy each) | S$218.00 | S$0.00 | 5 Oct 2026 |
| EQ Insurance | EQ Personal Accident with medical expenses (S$50,000 each), me and my spouse (one policy each) | S$218.00 | S$0.00 | 5 Oct 2026 |
| EQ Insurance | EQ Personal Accident with medical expenses and income (S$50,000 each), me and my spouse (one policy each) | S$218.00 | S$0.00 | 5 Oct 2026 |
| MSIG | ProtectionPlus Silver, me and my spouse (S$100,000 each adult) | S$238.17 | S$0.00 | 19 Oct 2026 |
| Great American | Great Personal Accident Insurance Classic (S$100,000) Basic, me and my spouse | S$250.85 (estimate) | S$0.00 | 17 Oct 2026 |
| Tokio Marine | TM 365 Personal Accident Plan B (S$100,000), me and my spouse | S$255.06 (estimate) | S$0.00 | 19 Oct 2026 |
| UOI | UniPA Value, me and my spouse (S$100,000 each adult) | S$266.83 | S$0.00 | 11 Oct 2026 |
| ERGO | ERGO AccidentProtect Basic (S$100,000), Core Cover, me and my spouse (each adult on their own class) | S$270.00 | S$0.00 | 19 Oct 2026 |
| Liberty | PACare Plus Enhanced Essential, me and my spouse (S$50,000 each adult) | S$285.58 | S$0.00 | 9 Oct 2026 |
| Allianz | Accident Protect Plus Silver, me and my spouse (S$100,000 each adult; 15% off the whole premium) | S$290.94 | S$0.00 | 19 Oct 2026 |
| HL Assurance | Family Protect360 Silver, Family (me and my spouse; S$100,000 an adult; priced as the Family plan) | S$303.10 | S$0.00 | 8 Oct 2026 |
| Etiqa | Tiq Personal Accident Enhanced Silver, Me and my spouse (S$125,000 each adult) | S$309.22 | S$0.00 | 15 Oct 2026 |
| Sompo | PA Ease Plan 2, me and my spouse (S$100,000 each adult) | S$309.56 | S$0.00 | 9 Oct 2026 |
| India International | i-Aid Standard, me and my spouse (S$100,000 each adult) | S$316.10 | S$0.00 | 10 Oct 2026 |
| Great Eastern | PA Supreme Plan A, me and my spouse (S$100,000 each adult, each on their own class) | S$322.64 | S$0.00 | 17 Oct 2026 |
| Lonpac | Personal CarePlus Basic, me and my spouse (S$100,000 each adult; spouse 10% off) | S$325.28 | S$0.00 | 11 Oct 2026 |
| Great American | Great Personal Accident Insurance Classic (S$100,000) with Enhanced Benefits, me and my spouse | S$337.22 (estimate) | S$0.00 | 17 Oct 2026 |
| ERGO | ERGO AccidentProtect Basic (S$100,000), Core Cover + Add-on Cover 1, me and my spouse (each adult on their own class) | S$342.00 | S$0.00 | 19 Oct 2026 |
| MSIG | PA RecoveryPlus Silver, me and my spouse (S$100,000 each adult) | S$342.18 | S$0.00 | 19 Oct 2026 |
| AIG | Sapphire Enhanced Choices Standard, Basic package, me and my spouse (S$100,000 each adult) | S$346.62 | S$0.00 | 12 Oct 2026 |
| Sompo | PAStar Deluxe, me and my spouse (S$100,000 each adult) | S$392.40 | S$0.00 | 9 Oct 2026 |
| HSBC Life | HSBC Life Band Aid Package 1 (S$100,000) with all 6 optional benefits, me and my spouse (one policy each) | S$395.56 (estimate) | S$0.00 | 19 Oct 2026 |
| MSIG | ProtectionPlus Gold, me and my spouse (S$150,000 each adult) | S$403.85 | S$0.00 | 19 Oct 2026 |
| China Taiping | Economy, me and my spouse (Family plan: S$100,000 for you, S$50,000 spouse) | S$407.66 | S$0.00 | 19 Oct 2026 |
| HSBC Life | HSBC Life Band Aid Package 2 (S$200,000), basic plan, me and my spouse (one policy each) | S$409.84 (estimate) | S$0.00 | 19 Oct 2026 |
| MSIG | PA PrimePlus (Series II) Silver, me and my spouse (S$500,000; spouse S$250,000) | S$421.56 | S$0.00 | 19 Oct 2026 |
| UOI | UniPA Plus, me and my spouse (S$200,000 each adult) | S$437.53 | S$0.00 | 11 Oct 2026 |
| Liberty | PACare Plus Enhanced Economy, me and my spouse (S$100,000 each adult) | S$445.81 | S$0.00 | 9 Oct 2026 |
| QBE | PA Prestige Plan A, me and my spouse (S$100,000 each adult) | S$446.90 | S$0.00 | 11 Oct 2026 |
| Great American | Great Personal Accident Insurance Elite (S$200,000) Basic, me and my spouse | S$448.27 (estimate) | S$0.00 | 17 Oct 2026 |
| Tokio Marine | TM 365 Personal Accident Plan C (S$200,000), me and my spouse | S$451.26 (estimate) | S$0.00 | 19 Oct 2026 |
| AIG | Sapphire Enhanced Choices Standard, Comprehensive package, me and my spouse (S$100,000 each adult) | S$453.44 | S$0.00 | 12 Oct 2026 |
| Chubb | DBS MultiGen Protect Classic, me and my spouse (S$100,000 each adult; 10% multi-member discount) | S$453.49 | S$0.00 | 20 Oct 2026 |
| Income | PA Assurance Basic, me and my spouse (S$100,000 each) | S$466.52 | S$0.00 | 16 Oct 2026 |
| India International | i-Aid Enhanced, me and my spouse (S$200,000 each adult) | S$479.60 | S$0.00 | 10 Oct 2026 |
| Etiqa | Tiq Personal Accident Enhanced Gold, Me and my spouse (S$300,000 each adult) | S$502.53 | S$0.00 | 15 Oct 2026 |
| Income | PA Assurance Basic with infectious disease cover, me and my spouse (S$100,000 each) | S$510.12 | S$0.00 | 16 Oct 2026 |
| Singlife | Personal Accident Lite, me and my spouse (S$100,000 each adult) | S$513.43 | S$0.00 | 5 Oct 2026 |
| Sompo | PA Ease Plan 3, me and my spouse (S$150,000 each adult) | S$531.92 | S$0.00 | 9 Oct 2026 |
| Great Eastern | PA Supreme Plan B, me and my spouse (S$200,000 each adult, each on their own class) | S$566.80 | S$0.00 | 17 Oct 2026 |
| Lonpac | Personal CarePlus Standard, me and my spouse (S$200,000 each adult; spouse 10% off) | S$576.84 | S$0.00 | 11 Oct 2026 |
| Great American | Great Personal Accident Insurance Elite (S$200,000) with Enhanced Benefits, me and my spouse | S$604.54 (estimate) | S$0.00 | 17 Oct 2026 |
| AIG | Sapphire Enhanced Choices Preferred, Basic package, me and my spouse (S$200,000 each adult) | S$610.40 | S$0.00 | 12 Oct 2026 |
| MSIG | PA RecoveryPlus Gold, me and my spouse (S$200,000 each adult) | S$613.19 | S$0.00 | 19 Oct 2026 |
| Sompo | PAStar Elite, me and my spouse (S$200,000 each adult) | S$632.20 | S$0.00 | 9 Oct 2026 |
| China Taiping | Executive, me and my spouse (Family plan: S$200,000 for you, S$100,000 spouse) | S$636.56 | S$0.00 | 19 Oct 2026 |
| Allianz | Accident Protect Plus Gold, me and my spouse (S$250,000 each adult; 15% off the whole premium) | S$644.21 | S$0.00 | 19 Oct 2026 |
| Tokio Marine | TM 365 Personal Accident Plan D (S$300,000), me and my spouse | S$647.46 (estimate) | S$0.00 | 19 Oct 2026 |
| Chubb | DBS MultiGen Protect Premier, me and my spouse (S$150,000 each adult; 10% multi-member discount) | S$651.53 | S$0.00 | 20 Oct 2026 |
| Great American | Great Personal Accident Insurance Ultimate (S$300,000) Basic, me and my spouse | S$666.21 (estimate) | S$0.00 | 17 Oct 2026 |
| MSIG | ProtectionPlus Platinum, me and my spouse (S$250,000 each adult) | S$673.08 | S$0.00 | 19 Oct 2026 |
| QBE | PA Prestige Plan B, me and my spouse (S$200,000 each adult) | S$675.80 | S$0.00 | 11 Oct 2026 |
| India International | i-Aid Premium, me and my spouse (S$300,000 each adult) | S$697.60 | S$0.00 | 10 Oct 2026 |
| HSBC Life | HSBC Life Band Aid Package 2 (S$200,000) with all 6 optional benefits, me and my spouse (one policy each) | S$714.72 (estimate) | S$0.00 | 19 Oct 2026 |
| Income | PA Assurance Classic, me and my spouse (S$200,000 each) | S$723.76 | S$0.00 | 16 Oct 2026 |
| Liberty | PACare Plus Enhanced Executive, me and my spouse (S$200,000 each adult) | S$758.64 | S$0.00 | 9 Oct 2026 |
| Singlife | Personal Accident Standard, me and my spouse (S$200,000 each adult) | S$762.46 | S$0.00 | 5 Oct 2026 |
| AIG | Sapphire Enhanced Choices Preferred, Comprehensive package, me and my spouse (S$200,000 each adult) | S$763.00 | S$0.00 | 12 Oct 2026 |
| MSIG | PA PrimePlus (Series II) Gold, me and my spouse (S$1,000,000; spouse S$500,000) | S$768.44 | S$0.00 | 19 Oct 2026 |
| Great Eastern | PA Supreme Plan C, me and my spouse (S$300,000 each adult, each on their own class) | S$786.98 | S$0.00 | 17 Oct 2026 |
| AIG | Sapphire Enhanced Choices Deluxe, Basic package, me and my spouse (S$300,000 each adult) | S$791.34 | S$0.00 | 12 Oct 2026 |
| China Taiping | Platinum, me and my spouse (Family plan: S$300,000 for you, S$150,000 spouse) | S$810.96 | S$0.00 | 19 Oct 2026 |
| MSIG | PA RecoveryPlus Platinum, me and my spouse (S$300,000 each adult) | S$814.45 | S$0.00 | 19 Oct 2026 |
| Income | PA Assurance Classic with infectious disease cover, me and my spouse (S$200,000 each) | S$819.68 | S$0.00 | 16 Oct 2026 |
| Lonpac | Personal CarePlus Premier, me and my spouse (S$300,000 each adult; spouse 10% off) | S$829.32 | S$0.00 | 11 Oct 2026 |
| Etiqa | Tiq Personal Accident Enhanced Platinum, Me and my spouse (S$500,000 each adult) | S$875.38 | S$0.00 | 15 Oct 2026 |
| Great American | Great Personal Accident Insurance Ultimate (S$300,000) with Enhanced Benefits, me and my spouse | S$898.57 (estimate) | S$0.00 | 17 Oct 2026 |
| China Taiping | Titanium, me and my spouse (Family plan: S$500,000 for you, S$250,000 spouse) | S$941.76 | S$0.00 | 19 Oct 2026 |
| Income | PA Assurance Superior, me and my spouse (S$300,000 each) | S$959.20 | S$0.00 | 16 Oct 2026 |
| AIG | Sapphire Enhanced Choices Deluxe, Comprehensive package, me and my spouse (S$300,000 each adult) | S$987.54 | S$0.00 | 12 Oct 2026 |
| HSBC Life | HSBC Life Band Aid Package 3 (S$500,000), basic plan, me and my spouse (one policy each) | S$1,024.60 (estimate) | S$0.00 | 19 Oct 2026 |
| HL Assurance | Family Protect360 Premier, Family (me and my spouse; S$250,000 an adult; priced as the Family plan) | S$1,024.62 | S$0.00 | 8 Oct 2026 |
| UOI | UniPA Pro, me and my spouse (S$500,000 each adult) | S$1,045.53 | S$0.00 | 11 Oct 2026 |
| Liberty | PACare Plus Enhanced Elite, me and my spouse (S$300,000 each adult) | S$1,064.93 | S$0.00 | 9 Oct 2026 |
| Income | PA Assurance Superior with infectious disease cover, me and my spouse (S$300,000 each) | S$1,105.26 | S$0.00 | 16 Oct 2026 |
| Singlife | Personal Accident Plus, me and my spouse (S$300,000 each adult) | S$1,147.14 | S$0.00 | 5 Oct 2026 |
| AIG | Sapphire Enhanced Choices Prestige, Basic package, me and my spouse (S$500,000 each adult) | S$1,155.40 | S$0.00 | 12 Oct 2026 |
| Allianz | Accident Protect Plus Platinum, me and my spouse (S$500,000 each adult; 15% off the whole premium) | S$1,205.32 | S$0.00 | 19 Oct 2026 |
| Great Eastern | PA Supreme Plan D, me and my spouse (S$500,000 each adult, each on their own class) | S$1,212.08 | S$0.00 | 17 Oct 2026 |
| QBE | PA Prestige Plan C, me and my spouse (S$500,000 each adult) | S$1,286.20 | S$0.00 | 11 Oct 2026 |
| Sompo | PAStar Elite Plus, me and my spouse (S$500,000 each adult) | S$1,440.98 | S$0.00 | 9 Oct 2026 |
| HL Assurance | Family Protect360 Platinum, Family (me and my spouse; S$350,000 an adult; priced as the Family plan) | S$1,443.21 | S$0.00 | 8 Oct 2026 |
| AIG | Sapphire Enhanced Choices Prestige, Comprehensive package, me and my spouse (S$500,000 each adult) | S$1,543.44 | S$0.00 | 12 Oct 2026 |
| Liberty | PACare Plus Enhanced Exclusive, me and my spouse (S$500,000 each adult) | S$1,596.85 | S$0.00 | 9 Oct 2026 |
| Income | PA Assurance Premium, me and my spouse (S$500,000 each) | S$1,635.00 | S$0.00 | 16 Oct 2026 |
| Income | PA Assurance Premium with infectious disease cover, me and my spouse (S$500,000 each) | S$1,883.52 | S$0.00 | 16 Oct 2026 |
| QBE | PA Prestige Plan D, me and my spouse (S$1,000,000 each adult) | S$1,940.20 | S$0.00 | 11 Oct 2026 |
| Income | PA Assurance Prestige, me and my spouse (S$1,000,000 each) | S$2,090.62 | S$0.00 | 16 Oct 2026 |
| HSBC Life | HSBC Life Band Aid Package 3 (S$500,000) with all 6 optional benefits, me and my spouse (one policy each) | S$2,099.12 (estimate) | S$0.00 | 19 Oct 2026 |
| Income | PA Assurance Prestige with infectious disease cover, me and my spouse (S$1,000,000 each) | S$2,402.36 | S$0.00 | 16 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.

Get your own quote with these answers filled in: https://shentonbrokers.com/quote/pa?coverFor=couple&occupation=accountant&sumInsured=50000&spouseOccupation=accountant

You finish buying on the insurer's own site; the insurer takes payment and issues the policy.

Web page: https://shentonbrokers.com/prices/pa/couple