Personal accident insurance in Singapore
Compare plans from licensed insurers and get an instant quote — a lump sum and medical cover if an accident leaves you injured or disabled.
General insurance broker licensed by the Monetary Authority of Singapore
What is personal accident insurance?
Personal accident insurance pays out if you're injured, permanently disabled or killed in an accident. It typically pays a lump sum for death or disablement, reimburses accident-related medical bills, and on many plans pays a weekly income while you recover and a daily cash benefit if you're hospitalised.
InsuranceMarket compares personal accident plans from licensed Singapore insurers so you can see real prices and benefits side by side, and buy online.
Key points
- Personal accident insurance pays a lump sum for accidental death or permanent disablement, and reimburses accident medical expenses — limits vary by plan.
- It covers accidents only, not illness — it complements, rather than replaces, health insurance.
- The price depends mainly on your job: office work costs least, manual work costs more, and some plans aren't offered for higher-risk jobs.
- You can cover yourself alone, or add your spouse and children on one policy; on some plans children are covered free.
- Cover lasts a year and is renewed annually.
Adults in Singapore who want a financial safety net if an accident stops them working or leaves them with medical bills — and families who want their spouse and children covered on the same policy.
How your job affects your price
Lowest price
Desk-based or indoor jobs, such as admin, finance, IT, teaching or retail.
Mid price
Jobs with some outdoor or light manual work, such as sales, site supervisors, drivers or technicians.
Highest price
Mostly manual jobs or work with machinery, such as construction, mechanics or factory work. Fewer plans cover these jobs.
How personal accident insurance works
Tell us who to cover
Just you, or you with your spouse and children — plus what you each do for work.
Compare real plans
See prices and benefits from licensed insurers, side by side.
Buy online
Choose a plan and pay securely by card. Cover lasts a year.
Available plans
9 plans from 3 licensed insurers. Your exact price depends on your own details — get a quote to see it.
PACare Plus Enhanced Essential
PACare Plus Enhanced Economy
PACare Plus Enhanced Executive
PACare Plus Enhanced Elite
PACare Plus Enhanced Exclusive
ProtectionPlus Silver
ProtectionPlus Gold
ProtectionPlus Platinum
PA Star Elite 2
Compare coverage
Every benefit below comes straight from each plan's current terms.
| Coverage | LIBERTY 1 Adult / 2 Adults | LIBERTY 1 Adult / 2 Adults | LIBERTY 1 Adult / 2 Adults | LIBERTY 1 Adult / 2 Adults | LIBERTY 1 Adult / 2 Adults | MSIG 1 Adult / 2 Adults | MSIG 1 Adult / 2 Adults | MSIG 1 Adult / 2 Adults | SOMPO 1 Adult |
|---|---|---|---|---|---|---|---|---|---|
| Accident Cover | |||||||||
| Accidental Death | $50,000 | $100,000 | $200,000 | $300,000 | $500,000 Highest | $100,000 | $150,000 | $250,000 | $300,000 |
| Permanent Total Disablement | $50,000 | $100,000 | $200,000 | $300,000 | $500,000 Highest | $150,000 | $225,000 | $375,000 | $300,000 |
| Permanent Partial Disablement | Up to 100% of sum insured (scale of benefits) | Up to 100% of sum insured (scale of benefits) | Up to 100% of sum insured (scale of benefits) | Up to 100% of sum insured (scale of benefits) | Up to 100% of sum insured (scale of benefits) | Up to 100% of sum insured (scale of benefits) | Up to 100% of sum insured (scale of benefits) | Up to 100% of sum insured (scale of benefits) | Up to 150% of sum insured (scale of benefits) |
| Income Protection | |||||||||
| Temporary Total Disablement (weekly) | $50 per week | $100 per week | $200 per week | $300 per week | $300 per week | $100 per week | $300 per week | $600 per week | $350 per week |
| Temporary Partial Disablement (weekly) | $25 per week | $50 per week | $100 per week | $150 per week | $150 per week | $50 per week | $150 per week | $300 per week | Not covered |
| Medical & Hospital | |||||||||
| Accident Medical Expenses | $1,000 | $3,000 | $5,000 | $7,500 | $10,000 Highest | $1,000 | $3,000 | $5,000 | $5,000 |
| Chinese Physician / TCM | $100 | $400 | $500 | $750 | $1,000 | $1,000 | $3,000 | $5,000 | $150 per visit |
| Daily Hospital Cash | $50 per day | $100 per day | $200 per day | $300 per day | $400 per day | $50 per day | $100 per day | $200 per day | $200 per day |
| Recuperation Benefit | Not covered | Not covered | Not covered | Not covered | Not covered | $100 | $250 | $500 Highest | Not covered |
| Other Benefits | |||||||||
| Bereavement Grant | $1,000 | $1,000 | $2,000 | $3,000 | $4,000 | $3,000 | $5,000 | $10,000 Highest | Not covered |
| Clothing & Personal Belongings | Not covered | Not covered | Not covered | Not covered | Not covered | $500 Highest | $500 Highest | $500 Highest | $400 |
| Terrorism | Covered | Covered | Covered | Covered | Covered | $100,000 | $150,000 | $250,000 | $300,000 |
| Also Covered | |||||||||
| Motorcycling | Included | Included | Included | Included | Included | Included | Included | Included | Included |
| Amateur Sports | Included | Included | Included | Included | Included | Included | Included | Included | Included |
| Reservist Training | Included | Included | Included | Included | Included | Included | Included | Included | Included |
| Riot & Strike | Included | Included | Included | Included | Included | Included | Included | Included | Included |
| Suffocation by Smoke, Fumes or Gas & Drowning | Included | Included | Included | Included | Included | Included | Included | Included | Included |
| Disappearance | Included | Included | Included | Included | Included | Included | Included | Included | Included |
| Exposure to the Elements | Included | Included | Included | Included | Included | Included | Included | Included | Included |
| Renewal Bonus | Included | Included | Included | Included | Included | Included | Included | Included | Included |
Covering your family
Choose “Me & family” to add your spouse and up to five children. Your spouse is priced on their own job type, and many plans cover children free or for a small extra premium — you'll see the total for everyone on each plan.
Three things people commonly get wrong
Personal accident insurance covers accidents only — illness and medical conditions aren't covered, so it doesn't replace health insurance.
Choose the job type that matches what you actually do. If it's wrong, a claim may be reduced or declined.
Each plan has age limits and excludes some activities and high-risk jobs — check the plan details before you buy.
Personal accident insurance pays out if an accident leaves you injured, permanently disabled or dead. It usually pays a lump sum for death or disablement and reimburses accident-related medical expenses; many plans also pay a weekly income while you recover and a daily hospital cash benefit.
Typically accidental death, permanent total and partial disablement (paid as a percentage of the sum insured, according to a scale of benefits), accident medical expenses, and on many plans Chinese physician (TCM) treatment, weekly income benefits, daily hospital cash and a bereavement grant. Compare the limits for each plan when you get your quote.
Health insurance covers hospital and medical costs for illness as well as injury. Personal accident insurance covers accidents only, but pays lump sums and income benefits that health insurance doesn't — so many people have both.
Insurers group jobs into classes by how likely they are to involve an accident. Office and indoor work costs least; outdoor, supervisory and manual work cost more, and some plans don't cover higher-risk jobs at all. Choose the job type that matches what you actually do.
Yes. Choose “Me & family” when you get a quote and add your spouse and up to five children. Your spouse is priced on their own job type; depending on the plan, children are covered free or for a small extra premium.
Yes, and it varies by insurer — adults are typically covered from 18 up to 60 or 65, and children from a few months old. Check the plan details for its limits.
The plans we compare cover accidents while motorcycling and during amateur sports, as well as during reservist training. Professional sports and some hazardous activities are excluded — check the plan details.
One year. You choose when cover starts — up to 30 days ahead — and renew it annually.
Once you have a policy, claims are handled directly by your insurer, not by us — see our Claims page for how that generally works.
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