PRUPersonal Accident

Personal accident plan by Prudential. Base premium from S$209/yr. Accidental death up to S$1,000,000, permanent disability up to S$1,000,000.

By MoneyAtlas Research · Verified 12 Jul 2026 · How we verify & rank

Last verified 12 Jul 2026 · 6 official sources · pa-2026-07-12

Last verified12 Jul 2026

Data versionpa-2026-07-12

Verified sources6 of 6

From the insurer's official product page. A headline sum is a ceiling; actual payout depends on the event, disability scale, occupation, exclusions and policy wording.

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Premiums (base cover)

Plan	Occupation	Cover	Annual premium
Plan F	Occupation Class 3	Base	S$2,415
Plan A	Occupation Class 4	Base	S$633
Plan B	Occupation Class 4	Base	S$975
Plan C	Occupation Class 4	Base	S$1,373
Plan D	Occupation Class 4	Base	S$1,868
Plan E	Occupation Class 4	Base	S$2,598
Plan F	Occupation Class 4	Base	S$3,450
Plan A	Occupation Class 1 & 2	Base	S$209
Plan B	Occupation Class 1 & 2	Base	S$332
Plan C	Occupation Class 1 & 2	Base	S$467
Plan D	Occupation Class 1 & 2	Base	S$644
Plan E	Occupation Class 1 & 2	Base	S$896
Plan F	Occupation Class 1 & 2	Base	S$1,190
Plan A	Occupation Class 3	Base	S$366
Plan B	Occupation Class 3	Base	S$581
Plan C	Occupation Class 3	Base	S$817
Plan D	Occupation Class 3	Base	S$1,127
Plan E	Occupation Class 3	Base	S$1,568
Plan F	Occupation Class 3	Base	S$2,083
Plan A	Occupation Class 4	Base	S$523
Plan B	Occupation Class 4	Base	S$830
Plan C	Occupation Class 4	Base	S$1,168
Plan D	Occupation Class 4	Base	S$1,610
Plan E	Occupation Class 4	Base	S$2,240
Plan F	Occupation Class 4	Base	S$2,975
Plan A	Occupation Class 1 & 2	Base	S$253
Plan B	Occupation Class 1 & 2	Base	S$390
Plan C	Occupation Class 1 & 2	Base	S$549
Plan D	Occupation Class 1 & 2	Base	S$747
Plan E	Occupation Class 1 & 2	Base	S$1,039
Plan F	Occupation Class 1 & 2	Base	S$1,380
Plan A	Occupation Class 3	Base	S$443
Plan B	Occupation Class 3	Base	S$683
Plan C	Occupation Class 3	Base	S$961
Plan D	Occupation Class 3	Base	S$1,307
Plan E	Occupation Class 3	Base	S$1,818

Show all premium rows (54, incl. optional covers)

Plan	Occupation	Cover	Annual premium
Plan F	Occupation Class 3	Base	S$2,415
Plan A	Occupation Class 4	Base	S$633
Plan B	Occupation Class 4	Base	S$975
Plan C	Occupation Class 4	Base	S$1,373
Plan D	Occupation Class 4	Base	S$1,868
Plan E	Occupation Class 4	Base	S$2,598
Plan F	Occupation Class 4	Base	S$3,450
Plan A	Occupation Class 1 & 2	Base	S$209
Plan B	Occupation Class 1 & 2	Base	S$332
Plan C	Occupation Class 1 & 2	Base	S$467
Plan D	Occupation Class 1 & 2	Base	S$644
Plan E	Occupation Class 1 & 2	Base	S$896
Plan F	Occupation Class 1 & 2	Base	S$1,190
Plan A	Occupation Class 3	Base	S$366
Plan B	Occupation Class 3	Base	S$581
Plan C	Occupation Class 3	Base	S$817
Plan D	Occupation Class 3	Base	S$1,127
Plan E	Occupation Class 3	Base	S$1,568
Plan F	Occupation Class 3	Base	S$2,083
Plan A	Occupation Class 4	Base	S$523
Plan B	Occupation Class 4	Base	S$830
Plan C	Occupation Class 4	Base	S$1,168
Plan D	Occupation Class 4	Base	S$1,610
Plan E	Occupation Class 4	Base	S$2,240
Plan F	Occupation Class 4	Base	S$2,975
Plan A	Occupation Class 1 & 2	Base	S$253
Plan B	Occupation Class 1 & 2	Base	S$390
Plan C	Occupation Class 1 & 2	Base	S$549
Plan D	Occupation Class 1 & 2	Base	S$747
Plan E	Occupation Class 1 & 2	Base	S$1,039
Plan F	Occupation Class 1 & 2	Base	S$1,380
Plan A	Occupation Class 3	Base	S$443
Plan B	Occupation Class 3	Base	S$683
Plan C	Occupation Class 3	Base	S$961
Plan D	Occupation Class 3	Base	S$1,307
Plan E	Occupation Class 3	Base	S$1,818
Plan A	Occupation Class 1 & 2	Recovery Aid	S$95
Plan B	Occupation Class 1 & 2	Recovery Aid	S$132
Plan C	Occupation Class 1 & 2	Recovery Aid	S$173
Plan D	Occupation Class 1 & 2	Recovery Aid	S$267
Plan E	Occupation Class 1 & 2	Recovery Aid	S$362
Plan F	Occupation Class 1 & 2	Recovery Aid	S$460
Plan A	Occupation Class 3	Recovery Aid	S$166
Plan B	Occupation Class 3	Recovery Aid	S$232
Plan C	Occupation Class 3	Recovery Aid	S$303
Plan D	Occupation Class 3	Recovery Aid	S$467
Plan E	Occupation Class 3	Recovery Aid	S$633
Plan F	Occupation Class 3	Recovery Aid	S$806
Plan A	Occupation Class 4	Recovery Aid	S$237
Plan B	Occupation Class 4	Recovery Aid	S$331
Plan C	Occupation Class 4	Recovery Aid	S$433
Plan D	Occupation Class 4	Recovery Aid	S$667
Plan E	Occupation Class 4	Recovery Aid	S$904
Plan F	Occupation Class 4	Recovery Aid	S$1,151

Plan facts

Occupation basisOccupation Classes 1–4

Entry ageFrom childhood; premium age bands shown 1–40 and 41–65

Renewal / continuationRenewable to policy anniversary before age 75, subject to terms

PricingPublished schedule

PlansPlan A · Plan B · Plan C · Plan D · Plan E · Plan F

Benefits

Accidental death / dismemberment100,000 | 200,000 | 300,000 | 500,000 | 750,000 | 1,000,000

Double indemnity200,000 | 400,000 | 600,000 | 1,000,000 | 1,500,000 | 2,000,000

Triple indemnity300,000 | 600,000 | 900,000 | 1,500,000 | 2,250,000 | 3,000,000

Accident medical2,000 | 2,500 | 3,000 | 4,000 | 5,000 | 6,000

TCM500 | 500 | 1,000 | 1,000 | 1,250 | 1,500

Recovery AidHospital 50/day; family fund 30,000 | 100/day; 30,000 | 150/day; 60,000 | 250/day; 100,000 | 350/day; 150,000 | 450/day; 200,000; mobility aid and unlimited evacuation subject to rider terms

Fracture CareOptional fracture-focused benefit; detailed fracture schedule and premium apply.

The balanced take

AI-drafted · human-reviewed · 14 Jul 2026

A capital-heavy plan with a broad six-tier range and strong public-transport benefits, better for lump-sum protection than for day-to-day medical reimbursement.

Commonly praised

Broad six-tier capital range
Enhanced payouts for public-transport accidents
Detailed occupation and age-band pricing

Common trade-offs

Top tiers are costly, especially for manual jobs
Medical reimbursement is modest next to the capital sums
Triple payout applies only in specific situations

AI-drafted from this plan's documented strengths and trade-offs, then reviewed by our team. It is an educational synthesis of published product facts — not consumer reviews, an insurer statement, or financial advice. Confirm details with the insurer or a licensed adviser.

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Prudential PRUPersonal Accidentfigures are indicative, for comparison and education only, from the insurer’s published 2026 material. Actual premiums, occupation loading, eligibility, exclusions and payouts depend on your circumstances and the policy contract. This page does not rank plans or recommend a product. Confirm with Prudential or a licensed financial adviser before any decision.