Personal accident insurance
Singlife vs Liberty personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, Singlife was cheaper on 0, Liberty on 10. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Singlife | Liberty |
|---|---|---|
| Accountant, S$200,000 cover | S$423.57Personal Accident Standard (S$200,000)as at 5 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$285.23Personal Accident Lite (S$100,000)as at 5 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$285.23Personal Accident Lite (S$100,000)as at 5 Oct 2026 | S$146.06PACare Plus Enhanced Essential (S$50,000)as at 9 Oct 2026 |
| Class 2 job, S$50,000 cover | S$328.02Personal Accident Lite (S$100,000)as at 5 Oct 2026 | S$176.58PACare Plus Enhanced Essential (S$50,000)as at 9 Oct 2026 |
| Class 3 job, S$50,000 cover | S$570.46Personal Accident Lite (S$100,000)as at 5 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$513.43Personal Accident Lite, me and my spouse (S$100,000 each adult)as at 5 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$285.23Personal Accident Lite, me and my children (S$100,000)as at 5 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$285.23Personal Accident Lite, me and my children (S$100,000)as at 5 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$513.43Personal Accident Lite, family (S$100,000 each adult)as at 5 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$513.43Personal Accident Lite, family (S$100,000 each adult)as at 5 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 | Singlife | Liberty |
|---|---|---|
| Accident medical expenses | S$4,000 for hospital or doctor treatment; TCM or chiropractor up to S$750 (S$75 a day) within it; physiotherapy S$2,000 | 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 up to 365 days; ICU S$200 a day up to 30 days | 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) | Medical expenses for dengue, Zika, insect or animal bites and food poisoning within the medical expenses limit; COVID-19 treatment in Singapore after a 14-day wait | 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 Singlife or Liberty cheaper for personal accident insurance?
Of the 10 examples both price, Singlife was cheaper on 0, Liberty on 10. Your own answers can change the order, so get your own quote.
How does Singlife's cover compare with Liberty's?
On each one's cheapest plan for accountant, S$200,000 cover (Singlife Personal Accident Standard (S$200,000), Liberty PACare Plus Enhanced Executive (S$200,000)): Accident medical expenses: Singlife S$4,000 for hospital or doctor treatment; TCM or chiropractor up to S$750 (S$75 a day) within it; physiotherapy S$2,000, 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: Singlife S$100 a day up to 365 days; ICU S$200 a day up to 30 days, 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): Singlife Medical expenses for dengue, Zika, insect or animal bites and food poisoning within the medical expenses limit; COVID-19 treatment in Singapore after a 14-day wait, Liberty Medical expenses for infectious diseases within the S$5,000 medical limit; insect and animal bites and food poisoning extensions; Excess: Singlife S$0.00, Liberty S$0.00.
What discounts are Singlife and Liberty running?
Singlife: none to show. Liberty: none to show.