Children are naturally active, and their curious nature may result in unwanted accidents. From playground mishaps to sports injuries, the risk of an accidental injury is always present. Getting a personal accident (PA) plan helps protects you financially from accidental injuries and death and helps to cover the costs of medical treatment for your child as a result of these accidents. Some PA plans will also cover for infectious diseases common in young children such as Hand, Foot and Mouth Disease (HFMD), Dengue Fever, Covid-19, and Zika virus.
Our personal accident (PA) plan recommendations for you and your child:
For bigger families: Sompo PA Star
Sompo’s PAStar offers free coverage for an unlimited number of children if both parents are covered under the same PAStar plan. With premiums for 2 adults priced at just S$392.40, this makes PAStar suitable for big families as premiums are fixed at this price regardless of the number of children insured.
PA Star offers 25% of the parent’s coverage for the insured child and provides decent coverage for medical expenses, infectious disease and daily hospital income benefit for both child and adult.
Our recommendation |
Purchase here |
✅ Fixed premiums of $392.40 regardless of number of children insured if both parents are insured under the same PAStar plan
✅ Insured child gets 25% of parent’s coverage ✅ Up to $3,000 benefit limit for 17 infectious diseases |
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For high coverage that comes with high premiums: Income PA Assurance
If you are looking to get higher coverage for your child, then Income’s PA Assurance plan may be suitable for you. Offering the same coverage for both child and adult, the accidental death coverage for Income PA Assurance starts from $100,000. This is higher than other PA plans where a lower personal accident coverage is typically given for the insured child.
Additionally, Income PA Assurance offers flexibility with the choice for child and parent to be covered on different plans. This means that parents can choose to cover their child for a higher tiered plan should the need arise.
Note: While this plan offers higher coverage for your child, the premium for this plan is also higher and are almost doubled as compared to other PA plans available. Consider this plan only if you want to purchase higher coverage for your child and do not mind paying the higher premiums that come with the plan.
Our recommendation |
Purchase here |
✅ Insured child gets same coverage levels as an insured adult
✅ Flexibility to choose a different tier of plan for yourself and your child ✅ Enjoy 40% off your child’s premiums by insuring under the same policy as you or your spouse |
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For other affordable PA plans with family discounts: Allianz Accident Protect Plus or FWD PA
If you are only looking for plans with family discounts to get coverage for yourself and your children, we have two options for you:
Our recommendation |
Purchase here |
Allianz Accident Protect Plus (Silver)
Receive all-rounded personal accident coverage with Allianz Accident Protect Plus and enjoy a 15% premium discount on the payable premiums when you purchase a family or couple plan. ✅ Covers for up to 27 infectious diseases ✅ Up to $2,000 benefit per accident for medical and surgical expenses ✅ Affordable premiums |
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FWD Personal Accident ($100,000 plan)
FWD’s PA plans allows the insured child to receive 50% of the parent’s sum insured. This allows the child to receive up to accidental death coverage from $50,000 as compared to other PA plans with coverage starting from $25,000. This includes coverage for 24 infectious diseases and a personal liability benefit. While FWD does not offer any specific family discounts, premiums for 1 adult and 2 children coverage starts from $216.95 a year making this an affordable PA plan to have. ✅ Accidental death coverage for child starts from $50,000 ✅ Affordable premiums ✅ Covers for 24 infectious diseases ✅ Personal liability benefit |
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Illustrated premiums for personal accident plans for you and your child
🧸Alternatively, if you are looking to only purchase a personal accident plan for your child,
Our recommendation |
Purchase here |
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For a customised plan for child coverage |
We recommend: Sompo PA Junior
While most personal accident plans will require the insured to be at least 16 years old, there are PA plans in the market that specialises in offering PA coverage for children. One such plan is Sompo’s PA Junior. |
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For higher coverage limits |
We recommend: Income PA Assure
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Compare and discover Personal Accident insurance plans available on FSMOne:
Find a suitable personal accident plan on our personal accident insurance page. Click here to head to our personal accident comparison page to get started.
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Or click here to contact us if you have any questions on your insurance plans.
Available Products on FSMOne Insurance |
Term Life, Whole Life, Critical Illness, Annuity, Health, Endowment, General Insurance (Personal and Commercial) from AIG, Allianz, Cigna, Chubb, Etiqa Insurance, FWD Insurance, Great Eastern, Henner, Income, Manulife, MSIG, Raffles Health Insurance, Singlife, Sompo, Tokio Marine, and QBE. *Please check with our team if the product you want is available on FSMOne Insurance |
Read also,
Information obtained from:
https://www.allianz.sg/individual-solutions/allianz-accident-protect-plus.html#
https://www.fwd.com.sg/personal-accident-insurance/?utm_source=AFFINITY&utm_medium=NONAPI&utm_campaign=IFAST&promo=IFAST
https://www.income.com.sg/personal-accident-insurance
https://www.sompo.com.sg/docs/default-source/product-pdf's/pastar/pastar-brochure-(english).pdf?sfvrsn=613c4aa2_4
https://sg-customer.qbe.com/pa/partner/01001100
https://www.msig.com.sg/personal/pa-recoveryplus
Information retrieved on 24 March 2025.
Disclaimer:
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Insurance products are underwritten by the respective insurance partners and distributed by iFAST Financial Pte Ltd (“iFAST”). You are advised to review the specific terms, conditions and exclusions in the relevant policy contract.
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