Personal accident insurance
AIG vs Liberty personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, AIG was cheaper on 3, Liberty on 7. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | AIG | Liberty |
|---|---|---|
| Accountant, S$200,000 cover | S$305.20Sapphire Enhanced Choices Preferred, Basic package (S$200,000)as at 12 Oct 2026 | S$389.13PACare Plus Enhanced Executive (S$200,000)as at 9 Oct 2026 |
| Sales executive who travels for work, S$100,000 cover | S$173.31Sapphire Enhanced Choices Standard, Basic package (S$100,000)as at 12 Oct 2026 | S$277.95PACare Plus Enhanced Economy (S$100,000)as at 9 Oct 2026 |
| Technician, S$500,000 cover | No online price | No online price |
| Class 1 job, S$50,000 cover | S$173.31Sapphire Enhanced Choices Standard, Basic package (S$100,000)as at 12 Oct 2026 | S$146.06PACare Plus Enhanced Essential (S$50,000)as at 9 Oct 2026 |
| Class 2 job, S$50,000 cover | S$173.31Sapphire Enhanced Choices Standard, Basic package (S$100,000)as at 12 Oct 2026 | S$176.58PACare Plus Enhanced Essential (S$50,000)as at 9 Oct 2026 |
| Class 3 job, S$50,000 cover | S$346.62Sapphire Enhanced Choices Standard, Basic package (S$100,000)as at 12 Oct 2026 | S$208.19PACare Plus Enhanced Essential (S$50,000)as at 9 Oct 2026 |
| You and your spouse, S$50,000 cover | S$346.62Sapphire Enhanced Choices Standard, Basic package, me and my spouse (S$100,000 each adult)as at 12 Oct 2026 | S$285.58PACare Plus Enhanced Essential, me and my spouse (S$50,000 each adult)as at 9 Oct 2026 |
| You and 1 child, S$50,000 cover | S$259.97Sapphire Enhanced Choices Standard, Basic package, me and my children (S$100,000)as at 12 Oct 2026 | S$146.06PACare Plus Enhanced Essential, me and my children (S$50,000)as at 9 Oct 2026 |
| You and 2 children, S$50,000 cover | S$259.97Sapphire Enhanced Choices Standard, Basic package, me and my children (S$100,000)as at 12 Oct 2026 | S$146.06PACare Plus Enhanced Essential, me and my children (S$50,000)as at 9 Oct 2026 |
| Family: you, your spouse and 1 child, S$50,000 cover | S$346.62Sapphire Enhanced Choices Standard, Basic package, family (S$100,000 each adult)as at 12 Oct 2026 | S$285.58PACare Plus Enhanced Essential, family (S$50,000 each adult)as at 9 Oct 2026 |
| Family: you, your spouse and 2 children, S$50,000 cover | S$346.62Sapphire Enhanced Choices Standard, Basic package, family (S$100,000 each adult)as at 12 Oct 2026 | S$285.58PACare Plus Enhanced Essential, family (S$50,000 each adult)as at 9 Oct 2026 |
| 1 child on their own | No online price | No online price |
All prices include 9% GST.
These are example prices for the details above. Your own price depends on your answers.
Cover side by side
| Cover | AIG | Liberty |
|---|---|---|
| Accident medical expenses | S$6,000 per accident, plus S$4,000 for mobility aids and ambulance | S$5,000 per accident (S$10,000 on public transport or from landslide, flood, fire or explosion); TCM or chiropractor S$500 and physiotherapy S$750 per accident; mobility aids and ambulance S$3,000; transport allowance S$100 |
| Hospital cash | S$100 a day in hospital after an injury | S$200 a day up to 365 days; ICU S$400 a day up to 90 days (incl. COVID-19 hospitalisation) |
| Infectious diseases (e.g. dengue) | Dengue and other insect or animal bites and food poisoning are covered as accidents; the Infectious Disease Recovery Cover is in the Comprehensive package only | Medical expenses for infectious diseases within the S$5,000 medical limit; insect and animal bites and food poisoning extensions |
| Excess | S$0.00 | S$0.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is AIG or Liberty cheaper for personal accident insurance?
Of the 10 examples both price, AIG was cheaper on 3, Liberty on 7. Your own answers can change the order, so get your own quote.
How does AIG's cover compare with Liberty's?
On each one's cheapest plan for accountant, S$200,000 cover (AIG Sapphire Enhanced Choices Preferred, Basic package (S$200,000), Liberty PACare Plus Enhanced Executive (S$200,000)): Accident medical expenses: AIG S$6,000 per accident, plus S$4,000 for mobility aids and ambulance, Liberty S$5,000 per accident (S$10,000 on public transport or from landslide, flood, fire or explosion); TCM or chiropractor S$500 and physiotherapy S$750 per accident; mobility aids and ambulance S$3,000; transport allowance S$100; Hospital cash: AIG S$100 a day in hospital after an injury, Liberty S$200 a day up to 365 days; ICU S$400 a day up to 90 days (incl. COVID-19 hospitalisation); Infectious diseases (e.g. dengue): AIG Dengue and other insect or animal bites and food poisoning are covered as accidents; the Infectious Disease Recovery Cover is in the Comprehensive package only, Liberty Medical expenses for infectious diseases within the S$5,000 medical limit; insect and animal bites and food poisoning extensions; Excess: AIG S$0.00, Liberty S$0.00.
What discounts are AIG and Liberty running?
AIG: none to show. Liberty: none to show.