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Personal accident insurance
Personal accident insurance for a family with 2 children: prices compared
Family: you, your spouse and 2 children, S$50,000 cover
As of 28 Oct 2026 (Singapore time)
20 insurers price this, from S$135.25 to S$2,099.12 (as at 8 Oct 2026).
What we assumed
- Two adults aged 18 to 59, both accountants
- S$50,000 sum insured
- 2 children
Example prices
| Insurer | Plan | Premium | Excess | As at |
|---|---|---|---|---|
| HL AssuranceFamily Protect360 Bronze, Family (S$50,000 an adult, S$10,000 a child) | Family Protect360 Bronze, Family (S$50,000 an adult, S$10,000 a child) | S$0.00 | 8 Oct 2026 | |
| Tokio MarineTM 365 Personal Accident Plan A (S$50,000) with Child Protector, my family | TM 365 Personal Accident Plan A (S$50,000) with Child Protector, my family | S$231.63estimate | S$0.00 | 19 Oct 2026 |
| MSIGProtectionPlus Silver, my family (S$100,000 each adult) | ProtectionPlus Silver, my family (S$100,000 each adult) | S$238.17 | S$0.00 | 19 Oct 2026 |
| Great AmericanGreat Personal Accident Insurance Classic (S$100,000) Basic, family, children free | Great Personal Accident Insurance Classic (S$100,000) Basic, family, children free | S$250.85estimate | S$0.00 | 17 Oct 2026 |
| UOIUniPA Value, family (S$100,000 each adult, S$25,000 each child, children free) | UniPA Value, family (S$100,000 each adult, S$25,000 each child, children free) | S$266.83 | S$0.00 | 11 Oct 2026 |
| ERGOERGO AccidentProtect Basic (S$100,000), Core Cover, family (each adult on their own class; children free at 20% of the cover) | ERGO AccidentProtect Basic (S$100,000), Core Cover, family (each adult on their own class; children free at 20% of the cover) | S$270.00 | S$0.00 | 19 Oct 2026 |
| LibertyPACare Plus Enhanced Essential, family (S$50,000 each adult) | PACare Plus Enhanced Essential, family (S$50,000 each adult) | S$285.58 | S$0.00 | 9 Oct 2026 |
| SompoPA Ease Plan 1, family (S$50,000 each adult; each child S$47.96) | PA Ease Plan 1, family (S$50,000 each adult; each child S$47.96) | S$287.76 | S$0.00 | 9 Oct 2026 |
| HL AssuranceFamily Protect360 Silver, Family (S$100,000 an adult, S$20,000 a child) | Family Protect360 Silver, Family (S$100,000 an adult, S$20,000 a child) | S$0.00 | 8 Oct 2026 | |
| India Internationali-Aid Basic, family (S$50,000 each adult, S$10,000 each child) | i-Aid Basic, family (S$50,000 each adult, S$10,000 each child) | S$327.00 | S$0.00 | 10 Oct 2026 |
| Great AmericanGreat Personal Accident Insurance Classic (S$100,000) with Enhanced Benefits, family, children free | Great Personal Accident Insurance Classic (S$100,000) with Enhanced Benefits, family, children free | S$337.22estimate | S$0.00 | 17 Oct 2026 |
| ERGOERGO AccidentProtect Basic (S$100,000), Core Cover + Add-on Cover 1, family (each adult on their own class; children free at 20% of the cover) | ERGO AccidentProtect Basic (S$100,000), Core Cover + Add-on Cover 1, family (each adult on their own class; children free at 20% of the cover) | S$342.00 | S$0.00 | 19 Oct 2026 |
| AIGSapphire Enhanced Choices Standard, Basic package, family (S$100,000 each adult) | Sapphire Enhanced Choices Standard, Basic package, family (S$100,000 each adult) | S$346.62 | S$0.00 | 12 Oct 2026 |
| Tokio MarineTM 365 Personal Accident Plan B (S$100,000) with Child Protector, my family | TM 365 Personal Accident Plan B (S$100,000) with Child Protector, my family | S$361.34estimate | S$0.00 | 19 Oct 2026 |
| AllianzAccident Protect Plus Silver, family (S$100,000 each adult; each child on the Child plan, S$48.90; 15% off the whole premium) | Accident Protect Plus Silver, family (S$100,000 each adult; each child on the Child plan, S$48.90; 15% off the whole premium) | S$374.07 | S$0.00 | 19 Oct 2026 |
| SompoPAStar Deluxe, family (S$100,000 each adult, up to 3 children free) | PAStar Deluxe, family (S$100,000 each adult, up to 3 children free) | S$392.40 | S$0.00 | 9 Oct 2026 |
| LonpacPersonal CarePlus Basic, family (S$100,000 each adult, spouse 10% off; each child S$34.24, up to 3) | Personal CarePlus Basic, family (S$100,000 each adult, spouse 10% off; each child S$34.24, up to 3) | S$393.76 | S$0.00 | 11 Oct 2026 |
| MSIGProtectionPlus Gold, my family (S$150,000 each adult) | ProtectionPlus Gold, my family (S$150,000 each adult) | S$403.85 | S$0.00 | 19 Oct 2026 |
| China TaipingEconomy, family (Family plan: S$100,000 for you, S$50,000 spouse, S$10,000 each child) | Economy, family (Family plan: S$100,000 for you, S$50,000 spouse, S$10,000 each child) | S$407.66 | S$0.00 | 19 Oct 2026 |
| EtiqaTiq Personal Accident Enhanced Silver, My family (S$125,000 each adult) | Tiq Personal Accident Enhanced Silver, My family (S$125,000 each adult) | S$0.00 | 15 Oct 2026 | |
| MSIGPA PrimePlus (Series II) Silver, my family (S$500,000; spouse S$250,000) | PA PrimePlus (Series II) Silver, my family (S$500,000; spouse S$250,000) | S$0.00 | 19 Oct 2026 | |
| Great EasternPA Supreme Plan A, family (S$100,000 each adult, each on their own class; each child S$56.68, up to 6) | PA Supreme Plan A, family (S$100,000 each adult, each on their own class; each child S$56.68, up to 6) | S$436.00 | S$0.00 | 17 Oct 2026 |
| UOIUniPA Plus, family (S$200,000 each adult, S$50,000 each child, children free) | UniPA Plus, family (S$200,000 each adult, S$50,000 each child, children free) | S$437.53 | S$0.00 | 11 Oct 2026 |
| LibertyPACare Plus Enhanced Economy, family (S$100,000 each adult) | PACare Plus Enhanced Economy, family (S$100,000 each adult) | S$445.81 | S$0.00 | 9 Oct 2026 |
| QBEPA Prestige Plan A, family (S$100,000 each adult, up to 3 children free; S$30.52 each further child) | PA Prestige Plan A, family (S$100,000 each adult, up to 3 children free; S$30.52 each further child) | S$446.90 | S$0.00 | 11 Oct 2026 |
| Great AmericanGreat Personal Accident Insurance Elite (S$200,000) Basic, family, children free | Great Personal Accident Insurance Elite (S$200,000) Basic, family, children free | S$448.27estimate | S$0.00 | 17 Oct 2026 |
| AIGSapphire Enhanced Choices Standard, Comprehensive package, family (S$100,000 each adult) | Sapphire Enhanced Choices Standard, Comprehensive package, family (S$100,000 each adult) | S$453.44 | S$0.00 | 12 Oct 2026 |
| SompoPA Ease Plan 2, family (S$100,000 each adult; each child S$77.39) | PA Ease Plan 2, family (S$100,000 each adult; each child S$77.39) | S$464.34 | S$0.00 | 9 Oct 2026 |
| SinglifePersonal Accident Lite, family (S$100,000 each adult) | Personal Accident Lite, family (S$100,000 each adult) | S$513.43 | S$0.00 | 5 Oct 2026 |
| MSIGPA RecoveryPlus Silver, my family (S$100,000 each adult) | PA RecoveryPlus Silver, my family (S$100,000 each adult) | S$0.00 | 19 Oct 2026 | |
| India Internationali-Aid Standard, family (S$100,000 each adult, S$20,000 each child) | i-Aid Standard, family (S$100,000 each adult, S$20,000 each child) | S$555.90 | S$0.00 | 10 Oct 2026 |
| Great AmericanGreat Personal Accident Insurance Elite (S$200,000) with Enhanced Benefits, family, children free | Great Personal Accident Insurance Elite (S$200,000) with Enhanced Benefits, family, children free | S$604.54estimate | S$0.00 | 17 Oct 2026 |
| AIGSapphire Enhanced Choices Preferred, Basic package, family (S$200,000 each adult) | Sapphire Enhanced Choices Preferred, Basic package, family (S$200,000 each adult) | S$610.40 | S$0.00 | 12 Oct 2026 |
| SompoPAStar Elite, family (S$200,000 each adult, up to 3 children free) | PAStar Elite, family (S$200,000 each adult, up to 3 children free) | S$632.20 | S$0.00 | 9 Oct 2026 |
| China TaipingExecutive, family (Family plan: S$200,000 for you, S$100,000 spouse, S$20,000 each child) | Executive, family (Family plan: S$200,000 for you, S$100,000 spouse, S$20,000 each child) | S$636.56 | S$0.00 | 19 Oct 2026 |
| Tokio MarineTM 365 Personal Accident Plan C (S$200,000) with Child Protector, my family | TM 365 Personal Accident Plan C (S$200,000) with Child Protector, my family | S$639.29estimate | S$0.00 | 19 Oct 2026 |
| Great AmericanGreat Personal Accident Insurance Ultimate (S$300,000) Basic, family, children free | Great Personal Accident Insurance Ultimate (S$300,000) Basic, family, children free | S$666.21estimate | S$0.00 | 17 Oct 2026 |
| MSIGProtectionPlus Platinum, my family (S$250,000 each adult) | ProtectionPlus Platinum, my family (S$250,000 each adult) | S$673.08 | S$0.00 | 19 Oct 2026 |
| QBEPA Prestige Plan B, family (S$200,000 each adult, up to 3 children free; S$61.04 each further child) | PA Prestige Plan B, family (S$200,000 each adult, up to 3 children free; S$61.04 each further child) | S$675.80 | S$0.00 | 11 Oct 2026 |
| EtiqaTiq Personal Accident Enhanced Gold, My family (S$300,000 each adult) | Tiq Personal Accident Enhanced Gold, My family (S$300,000 each adult) | S$0.00 | 15 Oct 2026 | |
| Great EasternPA Supreme Plan B, family (S$200,000 each adult, each on their own class; each child S$56.68, up to 6) | PA Supreme Plan B, family (S$200,000 each adult, each on their own class; each child S$56.68, up to 6) | S$680.16 | S$0.00 | 17 Oct 2026 |
| LonpacPersonal CarePlus Standard, family (S$200,000 each adult, spouse 10% off; each child S$60.72, up to 3) | Personal CarePlus Standard, family (S$200,000 each adult, spouse 10% off; each child S$60.72, up to 3) | S$698.28 | S$0.00 | 11 Oct 2026 |
| ChubbDBS MultiGen Protect Classic, family (S$100,000 each adult; each child S$60,000 disability; 15-20% multi-member discount) | DBS MultiGen Protect Classic, family (S$100,000 each adult; each child S$60,000 disability; 15-20% multi-member discount) | S$706.98 | S$0.00 | 20 Oct 2026 |
| AllianzAccident Protect Plus Gold, family (S$250,000 each adult; each child on the Child plan, S$48.90; 15% off the whole premium) | Accident Protect Plus Gold, family (S$250,000 each adult; each child on the Child plan, S$48.90; 15% off the whole premium) | S$727.34 | S$0.00 | 19 Oct 2026 |
| IncomePA Assurance Basic, family (S$100,000 each adult; each child 40% off) | PA Assurance Basic, family (S$100,000 each adult; each child 40% off) | S$746.43 | S$0.00 | 16 Oct 2026 |
| LibertyPACare Plus Enhanced Executive, family (S$200,000 each adult) | PACare Plus Enhanced Executive, family (S$200,000 each adult) | S$758.64 | S$0.00 | 9 Oct 2026 |
| SinglifePersonal Accident Standard, family (S$200,000 each adult) | Personal Accident Standard, family (S$200,000 each adult) | S$762.46 | S$0.00 | 5 Oct 2026 |
| AIGSapphire Enhanced Choices Preferred, Comprehensive package, family (S$200,000 each adult) | Sapphire Enhanced Choices Preferred, Comprehensive package, family (S$200,000 each adult) | S$763.00 | S$0.00 | 12 Oct 2026 |
| MSIGPA PrimePlus (Series II) Gold, my family (S$1,000,000; spouse S$500,000) | PA PrimePlus (Series II) Gold, my family (S$1,000,000; spouse S$500,000) | S$0.00 | 19 Oct 2026 | |
| AIGSapphire Enhanced Choices Deluxe, Basic package, family (S$300,000 each adult) | Sapphire Enhanced Choices Deluxe, Basic package, family (S$300,000 each adult) | S$791.34 | S$0.00 | 12 Oct 2026 |
| SompoPA Ease Plan 3, family (S$150,000 each adult; each child S$132.98) | PA Ease Plan 3, family (S$150,000 each adult; each child S$132.98) | S$797.88 | S$0.00 | 9 Oct 2026 |
| China TaipingPlatinum, family (Family plan: S$300,000 for you, S$150,000 spouse, S$30,000 each child) | Platinum, family (Family plan: S$300,000 for you, S$150,000 spouse, S$30,000 each child) | S$810.96 | S$0.00 | 19 Oct 2026 |
| IncomePA Assurance Basic with infectious disease cover, family (S$100,000 each adult; each child 40% off) | PA Assurance Basic with infectious disease cover, family (S$100,000 each adult; each child 40% off) | S$816.19 | S$0.00 | 16 Oct 2026 |
| Tokio MarineTM 365 Personal Accident Plan D (S$300,000) with Child Protector, my family | TM 365 Personal Accident Plan D (S$300,000) with Child Protector, my family | S$824.59estimate | S$0.00 | 19 Oct 2026 |
| India Internationali-Aid Enhanced, family (S$200,000 each adult, S$30,000 each child) | i-Aid Enhanced, family (S$200,000 each adult, S$30,000 each child) | S$828.40 | S$0.00 | 10 Oct 2026 |
| MSIGPA RecoveryPlus Gold, my family (S$200,000 each adult) | PA RecoveryPlus Gold, my family (S$200,000 each adult) | S$0.00 | 19 Oct 2026 | |
| Great AmericanGreat Personal Accident Insurance Ultimate (S$300,000) with Enhanced Benefits, family, children free | Great Personal Accident Insurance Ultimate (S$300,000) with Enhanced Benefits, family, children free | S$898.57estimate | S$0.00 | 17 Oct 2026 |
| Great EasternPA Supreme Plan C, family (S$300,000 each adult, each on their own class; each child S$56.68, up to 6) | PA Supreme Plan C, family (S$300,000 each adult, each on their own class; each child S$56.68, up to 6) | S$900.34 | S$0.00 | 17 Oct 2026 |
| China TaipingTitanium, family (Family plan: S$500,000 for you, S$250,000 spouse, S$50,000 each child) | Titanium, family (Family plan: S$500,000 for you, S$250,000 spouse, S$50,000 each child) | S$941.76 | S$0.00 | 19 Oct 2026 |
| ChubbDBS MultiGen Protect Premier, family (S$150,000 each adult; each child S$80,000 disability; 15-20% multi-member discount) | DBS MultiGen Protect Premier, family (S$150,000 each adult; each child S$80,000 disability; 15-20% multi-member discount) | S$987.53 | S$0.00 | 20 Oct 2026 |
| AIGSapphire Enhanced Choices Deluxe, Comprehensive package, family (S$300,000 each adult) | Sapphire Enhanced Choices Deluxe, Comprehensive package, family (S$300,000 each adult) | S$987.54 | S$0.00 | 12 Oct 2026 |
| LonpacPersonal CarePlus Premier, family (S$300,000 each adult, spouse 10% off; each child S$87.60, up to 3) | Personal CarePlus Premier, family (S$300,000 each adult, spouse 10% off; each child S$87.60, up to 3) | S$1,004.52 | S$0.00 | 11 Oct 2026 |
| HSBC LifeHSBC Life Band Aid Package 3 (S$500,000), basic plan, family (one policy each adult, children free) | HSBC Life Band Aid Package 3 (S$500,000), basic plan, family (one policy each adult, children free) | S$1,024.60estimate | S$0.00 | 19 Oct 2026 |
| HL AssuranceFamily Protect360 Premier, Family (S$250,000 an adult, S$50,000 a child) | Family Protect360 Premier, Family (S$250,000 an adult, S$50,000 a child) | S$0.00 | 8 Oct 2026 | |
| UOIUniPA Pro, family (S$500,000 each adult, S$125,000 each child, children free) | UniPA Pro, family (S$500,000 each adult, S$125,000 each child, children free) | S$1,045.53 | S$0.00 | 11 Oct 2026 |
| LibertyPACare Plus Enhanced Elite, family (S$300,000 each adult) | PACare Plus Enhanced Elite, family (S$300,000 each adult) | S$1,064.93 | S$0.00 | 9 Oct 2026 |
| SinglifePersonal Accident Plus, family (S$300,000 each adult) | Personal Accident Plus, family (S$300,000 each adult) | S$1,147.14 | S$0.00 | 5 Oct 2026 |
| MSIGPA RecoveryPlus Platinum, my family (S$300,000 each adult) | PA RecoveryPlus Platinum, my family (S$300,000 each adult) | S$0.00 | 19 Oct 2026 | |
| AIGSapphire Enhanced Choices Prestige, Basic package, family (S$500,000 each adult) | Sapphire Enhanced Choices Prestige, Basic package, family (S$500,000 each adult) | S$1,155.40 | S$0.00 | 12 Oct 2026 |
| IncomePA Assurance Classic, family (S$200,000 each adult; each child 40% off) | PA Assurance Classic, family (S$200,000 each adult; each child 40% off) | S$1,158.02 | S$0.00 | 16 Oct 2026 |
| EtiqaTiq Personal Accident Enhanced Platinum, My family (S$500,000 each adult) | Tiq Personal Accident Enhanced Platinum, My family (S$500,000 each adult) | S$0.00 | 15 Oct 2026 | |
| India Internationali-Aid Premium, family (S$300,000 each adult, S$40,000 each child) | i-Aid Premium, family (S$300,000 each adult, S$40,000 each child) | S$1,188.10 | S$0.00 | 10 Oct 2026 |
| QBEPA Prestige Plan C, family (S$500,000 each adult, up to 3 children free; S$113.36 each further child) | PA Prestige Plan C, family (S$500,000 each adult, up to 3 children free; S$113.36 each further child) | S$1,286.20 | S$0.00 | 11 Oct 2026 |
| AllianzAccident Protect Plus Platinum, family (S$500,000 each adult; each child on the Child plan, S$48.90; 15% off the whole premium) | Accident Protect Plus Platinum, family (S$500,000 each adult; each child on the Child plan, S$48.90; 15% off the whole premium) | S$1,288.45 | S$0.00 | 19 Oct 2026 |
| IncomePA Assurance Classic with infectious disease cover, family (S$200,000 each adult; each child 40% off) | PA Assurance Classic with infectious disease cover, family (S$200,000 each adult; each child 40% off) | S$1,311.49 | S$0.00 | 16 Oct 2026 |
| Great EasternPA Supreme Plan D, family (S$500,000 each adult, each on their own class; each child S$56.68, up to 6) | PA Supreme Plan D, family (S$500,000 each adult, each on their own class; each child S$56.68, up to 6) | S$1,325.44 | S$0.00 | 17 Oct 2026 |
| SompoPAStar Elite Plus, family (S$500,000 each adult, up to 3 children free) | PAStar Elite Plus, family (S$500,000 each adult, up to 3 children free) | S$1,440.98 | S$0.00 | 9 Oct 2026 |
| HL AssuranceFamily Protect360 Platinum, Family (S$350,000 an adult, S$70,000 a child) | Family Protect360 Platinum, Family (S$350,000 an adult, S$70,000 a child) | S$0.00 | 8 Oct 2026 | |
| IncomePA Assurance Superior, family (S$300,000 each adult; each child 40% off) | PA Assurance Superior, family (S$300,000 each adult; each child 40% off) | S$1,534.72 | S$0.00 | 16 Oct 2026 |
| AIGSapphire Enhanced Choices Prestige, Comprehensive package, family (S$500,000 each adult) | Sapphire Enhanced Choices Prestige, Comprehensive package, family (S$500,000 each adult) | S$1,543.44 | S$0.00 | 12 Oct 2026 |
| LibertyPACare Plus Enhanced Exclusive, family (S$500,000 each adult) | PACare Plus Enhanced Exclusive, family (S$500,000 each adult) | S$1,596.85 | S$0.00 | 9 Oct 2026 |
| IncomePA Assurance Superior with infectious disease cover, family (S$300,000 each adult; each child 40% off) | PA Assurance Superior with infectious disease cover, family (S$300,000 each adult; each child 40% off) | S$1,768.42 | S$0.00 | 16 Oct 2026 |
| QBEPA Prestige Plan D, family (S$1,000,000 each adult, up to 3 children free; S$247.43 each further child) | PA Prestige Plan D, family (S$1,000,000 each adult, up to 3 children free; S$247.43 each further child) | S$1,940.20 | S$0.00 | 11 Oct 2026 |
| HSBC LifeHSBC Life Band Aid Package 3 (S$500,000) with all 6 optional benefits, family (one policy each adult, children free) | HSBC Life Band Aid Package 3 (S$500,000) with all 6 optional benefits, family (one policy each adult, children free) | S$2,099.12estimate | S$0.00 | 19 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 family: you, your spouse and 2 children, S$50,000 cover?
Today, 20 insurers price this, from S$135.25 to S$2,099.12 (as at 8 Oct 2026). The cheapest is HL Assurance Family Protect360 Bronze, Family (S$50,000 an adult, S$10,000 a child) at S$135.25 (as at 8 Oct 2026). All prices include 9% GST.
What do these prices assume?
Two adults aged 18 to 59, both accountants. S$50,000 sum insured. 2 children.
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.