# Personal accident insurance: Family: you, your spouse and 2 children, 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
- 2 children

## Premiums

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

| Insurer | Plan | Premium | Excess | As at |
| --- | --- | --- | --- | --- |
| HL Assurance | Family Protect360 Bronze, Family (S$50,000 an adult, S$10,000 a child) | S$135.25 | S$0.00 | 8 Oct 2026 |
| Tokio Marine | TM 365 Personal Accident Plan A (S$50,000) with Child Protector, my family | S$231.63 (estimate) | S$0.00 | 19 Oct 2026 |
| MSIG | ProtectionPlus Silver, my family (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, family, children free | S$250.85 (estimate) | S$0.00 | 17 Oct 2026 |
| UOI | UniPA Value, family (S$100,000 each adult, S$25,000 each child, children free) | S$266.83 | S$0.00 | 11 Oct 2026 |
| ERGO | 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 |
| Liberty | PACare Plus Enhanced Essential, family (S$50,000 each adult) | S$285.58 | S$0.00 | 9 Oct 2026 |
| Sompo | 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 Assurance | Family Protect360 Silver, Family (S$100,000 an adult, S$20,000 a child) | S$303.10 | S$0.00 | 8 Oct 2026 |
| India International | i-Aid Basic, family (S$50,000 each adult, S$10,000 each child) | S$327.00 | S$0.00 | 10 Oct 2026 |
| Great American | Great Personal Accident Insurance Classic (S$100,000) with Enhanced Benefits, family, children free | S$337.22 (estimate) | S$0.00 | 17 Oct 2026 |
| ERGO | 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 |
| AIG | Sapphire Enhanced Choices Standard, Basic package, family (S$100,000 each adult) | S$346.62 | S$0.00 | 12 Oct 2026 |
| Tokio Marine | TM 365 Personal Accident Plan B (S$100,000) with Child Protector, my family | S$361.34 (estimate) | S$0.00 | 19 Oct 2026 |
| Allianz | 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 |
| Sompo | PAStar Deluxe, family (S$100,000 each adult, up to 3 children free) | S$392.40 | S$0.00 | 9 Oct 2026 |
| Lonpac | 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 |
| MSIG | ProtectionPlus Gold, my family (S$150,000 each adult) | S$403.85 | S$0.00 | 19 Oct 2026 |
| China Taiping | 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 |
| Etiqa | Tiq Personal Accident Enhanced Silver, My family (S$125,000 each adult) | S$416.63 | S$0.00 | 15 Oct 2026 |
| MSIG | PA PrimePlus (Series II) Silver, my family (S$500,000; spouse S$250,000) | S$421.56 | S$0.00 | 19 Oct 2026 |
| Great Eastern | 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 |
| UOI | UniPA Plus, family (S$200,000 each adult, S$50,000 each child, children free) | S$437.53 | S$0.00 | 11 Oct 2026 |
| Liberty | PACare Plus Enhanced Economy, family (S$100,000 each adult) | S$445.81 | S$0.00 | 9 Oct 2026 |
| QBE | 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 American | Great Personal Accident Insurance Elite (S$200,000) Basic, family, children free | S$448.27 (estimate) | S$0.00 | 17 Oct 2026 |
| AIG | Sapphire Enhanced Choices Standard, Comprehensive package, family (S$100,000 each adult) | S$453.44 | S$0.00 | 12 Oct 2026 |
| Sompo | PA Ease Plan 2, family (S$100,000 each adult; each child S$77.39) | S$464.34 | S$0.00 | 9 Oct 2026 |
| Singlife | Personal Accident Lite, family (S$100,000 each adult) | S$513.43 | S$0.00 | 5 Oct 2026 |
| MSIG | PA RecoveryPlus Silver, my family (S$100,000 each adult) | S$539.25 | S$0.00 | 19 Oct 2026 |
| India International | i-Aid Standard, family (S$100,000 each adult, S$20,000 each child) | S$555.90 | S$0.00 | 10 Oct 2026 |
| Great American | Great Personal Accident Insurance Elite (S$200,000) with Enhanced Benefits, family, children free | S$604.54 (estimate) | S$0.00 | 17 Oct 2026 |
| AIG | Sapphire Enhanced Choices Preferred, Basic package, family (S$200,000 each adult) | S$610.40 | S$0.00 | 12 Oct 2026 |
| Sompo | PAStar Elite, family (S$200,000 each adult, up to 3 children free) | S$632.20 | S$0.00 | 9 Oct 2026 |
| China Taiping | 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 Marine | TM 365 Personal Accident Plan C (S$200,000) with Child Protector, my family | S$639.29 (estimate) | S$0.00 | 19 Oct 2026 |
| Great American | Great Personal Accident Insurance Ultimate (S$300,000) Basic, family, children free | S$666.21 (estimate) | S$0.00 | 17 Oct 2026 |
| MSIG | ProtectionPlus Platinum, my family (S$250,000 each adult) | S$673.08 | S$0.00 | 19 Oct 2026 |
| QBE | 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 |
| Etiqa | Tiq Personal Accident Enhanced Gold, My family (S$300,000 each adult) | S$677.10 | S$0.00 | 15 Oct 2026 |
| Great Eastern | 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 |
| Lonpac | 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 |
| Chubb | 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 |
| Allianz | 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 |
| Income | PA Assurance Basic, family (S$100,000 each adult; each child 40% off) | S$746.43 | S$0.00 | 16 Oct 2026 |
| Liberty | PACare Plus Enhanced Executive, family (S$200,000 each adult) | S$758.64 | S$0.00 | 9 Oct 2026 |
| Singlife | Personal Accident Standard, family (S$200,000 each adult) | S$762.46 | S$0.00 | 5 Oct 2026 |
| AIG | Sapphire Enhanced Choices Preferred, Comprehensive package, family (S$200,000 each adult) | S$763.00 | S$0.00 | 12 Oct 2026 |
| MSIG | PA PrimePlus (Series II) Gold, my family (S$1,000,000; spouse S$500,000) | S$768.44 | S$0.00 | 19 Oct 2026 |
| AIG | Sapphire Enhanced Choices Deluxe, Basic package, family (S$300,000 each adult) | S$791.34 | S$0.00 | 12 Oct 2026 |
| Sompo | 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 Taiping | 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 |
| Income | 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 Marine | TM 365 Personal Accident Plan D (S$300,000) with Child Protector, my family | S$824.59 (estimate) | S$0.00 | 19 Oct 2026 |
| India International | i-Aid Enhanced, family (S$200,000 each adult, S$30,000 each child) | S$828.40 | S$0.00 | 10 Oct 2026 |
| MSIG | PA RecoveryPlus Gold, my family (S$200,000 each adult) | S$870.26 | S$0.00 | 19 Oct 2026 |
| Great American | Great Personal Accident Insurance Ultimate (S$300,000) with Enhanced Benefits, family, children free | S$898.57 (estimate) | S$0.00 | 17 Oct 2026 |
| Great Eastern | 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 Taiping | 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 |
| Chubb | 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 |
| AIG | Sapphire Enhanced Choices Deluxe, Comprehensive package, family (S$300,000 each adult) | S$987.54 | S$0.00 | 12 Oct 2026 |
| Lonpac | 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 Life | HSBC Life Band Aid Package 3 (S$500,000), basic plan, family (one policy each adult, children free) | S$1,024.60 (estimate) | S$0.00 | 19 Oct 2026 |
| HL Assurance | Family Protect360 Premier, Family (S$250,000 an adult, S$50,000 a child) | S$1,024.62 | S$0.00 | 8 Oct 2026 |
| UOI | 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 |
| Liberty | PACare Plus Enhanced Elite, family (S$300,000 each adult) | S$1,064.93 | S$0.00 | 9 Oct 2026 |
| Singlife | Personal Accident Plus, family (S$300,000 each adult) | S$1,147.14 | S$0.00 | 5 Oct 2026 |
| MSIG | PA RecoveryPlus Platinum, my family (S$300,000 each adult) | S$1,148.08 | S$0.00 | 19 Oct 2026 |
| AIG | Sapphire Enhanced Choices Prestige, Basic package, family (S$500,000 each adult) | S$1,155.40 | S$0.00 | 12 Oct 2026 |
| Income | PA Assurance Classic, family (S$200,000 each adult; each child 40% off) | S$1,158.02 | S$0.00 | 16 Oct 2026 |
| Etiqa | Tiq Personal Accident Enhanced Platinum, My family (S$500,000 each adult) | S$1,179.46 | S$0.00 | 15 Oct 2026 |
| India International | i-Aid Premium, family (S$300,000 each adult, S$40,000 each child) | S$1,188.10 | S$0.00 | 10 Oct 2026 |
| QBE | 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 |
| Allianz | 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 |
| Income | 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 Eastern | 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 |
| Sompo | 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 Assurance | Family Protect360 Platinum, Family (S$350,000 an adult, S$70,000 a child) | S$1,443.21 | S$0.00 | 8 Oct 2026 |
| Income | PA Assurance Superior, family (S$300,000 each adult; each child 40% off) | S$1,534.72 | S$0.00 | 16 Oct 2026 |
| AIG | Sapphire Enhanced Choices Prestige, Comprehensive package, family (S$500,000 each adult) | S$1,543.44 | S$0.00 | 12 Oct 2026 |
| Liberty | PACare Plus Enhanced Exclusive, family (S$500,000 each adult) | S$1,596.85 | S$0.00 | 9 Oct 2026 |
| Income | 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 |
| QBE | 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 Life | HSBC Life Band Aid Package 3 (S$500,000) with all 6 optional benefits, family (one policy each adult, children free) | S$2,099.12 (estimate) | 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.

Get your own quote with these answers filled in: https://shentonbrokers.com/quote/pa?coverFor=family&occupation=accountant&sumInsured=50000&spouseOccupation=accountant&children=2

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

Web page: https://shentonbrokers.com/prices/pa/family-2-children