# Personal accident insurance: Student, S$50,000 cover

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

## Assumptions

- One adult aged 18 to 59
- Student (usually occupation class 1)
- 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 (S$50,000 an adult) | S$51.27 | S$0.00 | 8 Oct 2026 |
| India International | i-Aid Basic (S$50,000) | S$87.20 | S$0.00 | 10 Oct 2026 |
| Tokio Marine | TM 365 Personal Accident Plan A (S$50,000) | S$92.65 (estimate) | S$0.00 | 19 Oct 2026 |
| Sompo | PA Ease Plan 1 (S$50,000) | S$95.92 | S$0.00 | 9 Oct 2026 |
| HSBC Life | HSBC Life Band Aid Package 1 (S$100,000), basic plan | S$102.46 (estimate) | S$0.00 | 19 Oct 2026 |
| EQ Insurance | EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000) | S$109.00 | S$0.00 | 5 Oct 2026 |
| EQ Insurance | EQ Personal Accident with medical expenses (S$50,000) | S$109.00 | S$0.00 | 5 Oct 2026 |
| Great American | Great Personal Accident Insurance Classic (S$100,000) Basic | S$125.43 (estimate) | S$0.00 | 17 Oct 2026 |
| EQ Insurance | EQ Personal Accident with medical expenses and income (S$50,000) | S$129.49 | S$0.00 | 5 Oct 2026 |
| UOI | UniPA Value (S$100,000) | S$133.42 | S$0.00 | 11 Oct 2026 |
| ERGO | ERGO AccidentProtect Basic (S$100,000), Core Cover | S$135.00 | S$0.00 | 19 Oct 2026 |
| HL Assurance | Family Protect360 Silver (S$100,000 an adult) | S$135.25 | S$0.00 | 8 Oct 2026 |
| Tokio Marine | TM 365 Personal Accident Plan B (S$100,000) | S$141.70 (estimate) | S$0.00 | 19 Oct 2026 |
| Liberty | PACare Plus Enhanced Essential (S$50,000) | S$146.06 | S$0.00 | 9 Oct 2026 |
| MSIG | ProtectionPlus Silver (S$100,000) | S$154.78 | S$0.00 | 19 Oct 2026 |
| Sompo | PA Ease Plan 2 (S$100,000) | S$154.78 | S$0.00 | 9 Oct 2026 |
| India International | i-Aid Standard (S$100,000) | S$158.05 | S$0.00 | 10 Oct 2026 |
| Great Eastern | PA Supreme Plan A (S$100,000) | S$161.32 | S$0.00 | 17 Oct 2026 |
| Great American | Great Personal Accident Insurance Classic (S$100,000) with Enhanced Benefits | S$168.61 (estimate) | S$0.00 | 17 Oct 2026 |
| FWD | FWD Life PA S$100,000 (Plan A) | S$168.95 | S$0.00 | 5 Oct 2026 |
| ERGO | ERGO AccidentProtect Basic (S$100,000), Core Cover + Add-on Cover 1 | S$171.00 | S$0.00 | 19 Oct 2026 |
| Allianz | Accident Protect Plus Silver (S$100,000) | S$171.14 | S$0.00 | 19 Oct 2026 |
| Lonpac | Personal CarePlus Basic (S$100,000) | S$171.20 | S$0.00 | 11 Oct 2026 |
| AIG | Sapphire Enhanced Choices Standard, Basic package (S$100,000) | S$173.31 | S$0.00 | 12 Oct 2026 |
| MSIG | PA RecoveryPlus Silver (S$100,000) | S$180.07 | S$0.00 | 19 Oct 2026 |
| China Taiping | Economy (S$100,000) | S$188.57 | S$0.00 | 19 Oct 2026 |
| Etiqa | Tiq Personal Accident Enhanced Silver (S$125,000) | S$194.27 | S$0.00 | 15 Oct 2026 |
| FWD | FWD Life PA S$100,000 (Plan A) with Catch-All Rider | S$194.35 | S$0.00 | 5 Oct 2026 |
| Sompo | PAStar Deluxe (S$100,000) | S$196.20 | S$0.00 | 9 Oct 2026 |
| HSBC Life | HSBC Life Band Aid Package 1 (S$100,000) with all 6 optional benefits | S$197.78 (estimate) | S$0.00 | 19 Oct 2026 |
| HSBC Life | HSBC Life Band Aid Package 2 (S$200,000), basic plan | S$204.92 (estimate) | S$0.00 | 19 Oct 2026 |
| UOI | UniPA Plus (S$200,000) | S$218.76 | S$0.00 | 11 Oct 2026 |
| QBE | PA Prestige Plan A (S$100,000) | S$223.45 | S$0.00 | 11 Oct 2026 |
| Great American | Great Personal Accident Insurance Elite (S$200,000) Basic | S$224.14 (estimate) | S$0.00 | 17 Oct 2026 |
| AIG | Sapphire Enhanced Choices Standard, Comprehensive package (S$100,000) | S$226.72 | S$0.00 | 12 Oct 2026 |
| Liberty | PACare Plus Enhanced Economy (S$100,000) | S$227.81 | S$0.00 | 9 Oct 2026 |
| Income | PA Assurance Basic (S$100,000) | S$233.26 | S$0.00 | 16 Oct 2026 |
| India International | i-Aid Enhanced (S$200,000) | S$239.80 | S$0.00 | 10 Oct 2026 |
| Tokio Marine | TM 365 Personal Accident Plan C (S$200,000) | S$250.70 (estimate) | S$0.00 | 19 Oct 2026 |
| Chubb | DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb) | S$251.94 | S$0.00 | 20 Oct 2026 |
| Income | PA Assurance Basic with infectious disease cover (S$100,000) | S$255.06 | S$0.00 | 16 Oct 2026 |
| MSIG | ProtectionPlus Gold (S$150,000) | S$261.60 | S$0.00 | 19 Oct 2026 |
| Sompo | PA Ease Plan 3 (S$150,000) | S$265.96 | S$0.00 | 9 Oct 2026 |
| FWD | FWD Life PA S$100,000 (Plan A) with Income Support Rider Plan A | S$273.95 | S$0.00 | 5 Oct 2026 |
| Great Eastern | PA Supreme Plan B (S$200,000) | S$283.40 | S$0.00 | 17 Oct 2026 |
| Singlife | Personal Accident Lite (S$100,000) | S$285.23 | S$0.00 | 5 Oct 2026 |
| FWD | FWD Life PA S$100,000 (Plan A) with Income Support Rider Plan A and Catch-All Rider | S$299.35 | S$0.00 | 5 Oct 2026 |
| Great American | Great Personal Accident Insurance Elite (S$200,000) with Enhanced Benefits | S$302.27 (estimate) | S$0.00 | 17 Oct 2026 |
| Lonpac | Personal CarePlus Standard (S$200,000) | S$303.60 | S$0.00 | 11 Oct 2026 |
| AIG | Sapphire Enhanced Choices Preferred, Basic package (S$200,000) | S$305.20 | S$0.00 | 12 Oct 2026 |
| China Taiping | Executive (S$200,000) | S$308.47 | S$0.00 | 19 Oct 2026 |
| Sompo | PAStar Elite (S$200,000) | S$316.10 | S$0.00 | 9 Oct 2026 |
| Etiqa | Tiq Personal Accident Enhanced Gold (S$300,000) | S$321.45 | S$0.00 | 15 Oct 2026 |
| MSIG | PA RecoveryPlus Gold (S$200,000) | S$322.73 | S$0.00 | 19 Oct 2026 |
| Great American | Great Personal Accident Insurance Ultimate (S$300,000) Basic | S$333.10 (estimate) | S$0.00 | 17 Oct 2026 |
| QBE | PA Prestige Plan B (S$200,000) | S$337.90 | S$0.00 | 11 Oct 2026 |
| India International | i-Aid Premium (S$300,000) | S$348.80 | S$0.00 | 10 Oct 2026 |
| HSBC Life | HSBC Life Band Aid Package 2 (S$200,000) with all 6 optional benefits | S$357.36 (estimate) | S$0.00 | 19 Oct 2026 |
| Income | PA Assurance Classic (S$200,000) | S$361.88 | S$0.00 | 16 Oct 2026 |
| Chubb | DBS MultiGen Protect Premier (S$150,000; underwritten by Chubb) | S$361.96 | S$0.00 | 20 Oct 2026 |
| Allianz | Accident Protect Plus Gold (S$250,000) | S$378.94 | S$0.00 | 19 Oct 2026 |
| AIG | Sapphire Enhanced Choices Preferred, Comprehensive package (S$200,000) | S$381.50 | S$0.00 | 12 Oct 2026 |
| Liberty | PACare Plus Enhanced Executive (S$200,000) | S$389.13 | S$0.00 | 9 Oct 2026 |
| Great Eastern | PA Supreme Plan C (S$300,000) | S$393.49 | S$0.00 | 17 Oct 2026 |
| AIG | Sapphire Enhanced Choices Deluxe, Basic package (S$300,000) | S$395.67 | S$0.00 | 12 Oct 2026 |
| Income | PA Assurance Classic with infectious disease cover (S$200,000) | S$409.84 | S$0.00 | 16 Oct 2026 |
| Singlife | Personal Accident Standard (S$200,000) | S$423.57 | S$0.00 | 5 Oct 2026 |
| MSIG | PA RecoveryPlus Platinum (S$300,000) | S$428.67 | S$0.00 | 19 Oct 2026 |
| MSIG | ProtectionPlus Platinum (S$250,000) | S$436.00 | S$0.00 | 19 Oct 2026 |
| Lonpac | Personal CarePlus Premier (S$300,000) | S$438.00 | S$0.00 | 11 Oct 2026 |
| Great American | Great Personal Accident Insurance Ultimate (S$300,000) with Enhanced Benefits | S$449.29 (estimate) | S$0.00 | 17 Oct 2026 |
| China Taiping | Platinum (S$300,000) | S$471.97 | S$0.00 | 19 Oct 2026 |
| Income | PA Assurance Superior (S$300,000) | S$479.60 | S$0.00 | 16 Oct 2026 |
| AIG | Sapphire Enhanced Choices Deluxe, Comprehensive package (S$300,000) | S$493.77 | S$0.00 | 12 Oct 2026 |
| HL Assurance | Family Protect360 Premier (S$250,000 an adult) | S$495.96 | S$0.00 | 8 Oct 2026 |
| HSBC Life | HSBC Life Band Aid Package 3 (S$500,000), basic plan | S$512.30 (estimate) | S$0.00 | 19 Oct 2026 |
| UOI | UniPA Pro (S$500,000) | S$522.76 | S$0.00 | 11 Oct 2026 |
| Liberty | PACare Plus Enhanced Elite (S$300,000) | S$547.18 | S$0.00 | 9 Oct 2026 |
| Income | PA Assurance Superior with infectious disease cover (S$300,000) | S$552.63 | S$0.00 | 16 Oct 2026 |
| Etiqa | Tiq Personal Accident Enhanced Platinum (S$500,000) | S$566.73 | S$0.00 | 15 Oct 2026 |
| AIG | Sapphire Enhanced Choices Prestige, Basic package (S$500,000) | S$577.70 | S$0.00 | 12 Oct 2026 |
| China Taiping | Titanium (S$500,000) | S$591.87 | S$0.00 | 19 Oct 2026 |
| Great Eastern | PA Supreme Plan D (S$500,000) | S$606.04 | S$0.00 | 17 Oct 2026 |
| Singlife | Personal Accident Plus (S$300,000) | S$637.30 | S$0.00 | 5 Oct 2026 |
| QBE | PA Prestige Plan C (S$500,000) | S$643.10 | S$0.00 | 11 Oct 2026 |
| HL Assurance | Family Protect360 Platinum (S$350,000 an adult) | S$705.31 | S$0.00 | 8 Oct 2026 |
| Allianz | Accident Protect Plus Platinum (S$500,000) | S$709.02 | S$0.00 | 19 Oct 2026 |
| Sompo | PAStar Elite Plus (S$500,000) | S$720.49 | S$0.00 | 9 Oct 2026 |
| AIG | Sapphire Enhanced Choices Prestige, Comprehensive package (S$500,000) | S$771.72 | S$0.00 | 12 Oct 2026 |
| Income | PA Assurance Premium (S$500,000) | S$817.50 | S$0.00 | 16 Oct 2026 |
| Liberty | PACare Plus Enhanced Exclusive (S$500,000) | S$819.68 | S$0.00 | 9 Oct 2026 |
| Income | PA Assurance Premium with infectious disease cover (S$500,000) | S$941.76 | S$0.00 | 16 Oct 2026 |
| QBE | PA Prestige Plan D (S$1,000,000) | S$970.10 | S$0.00 | 11 Oct 2026 |
| HSBC Life | HSBC Life Band Aid Package 3 (S$500,000) with all 6 optional benefits | S$1,049.56 (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=myself&occupation=student&sumInsured=50000

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

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