Personal accident insurance
HSBC Life vs Liberty personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, HSBC Life was cheaper on 5, Liberty on 4. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | HSBC Life | Liberty |
|---|---|---|
| Accountant, S$200,000 cover | S$204.92HSBC Life Band Aid Package 2 (S$200,000), basic planas at 19 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$112.27HSBC Life Band Aid Package 1 (S$100,000), basic planas at 19 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$102.46HSBC Life Band Aid Package 1 (S$100,000), basic planas at 19 Oct 2026 | S$146.06PACare Plus Enhanced Essential (S$50,000)as at 9 Oct 2026 |
| Class 2 job, S$50,000 cover | S$112.27HSBC Life Band Aid Package 1 (S$100,000), basic planas at 19 Oct 2026 | S$176.58PACare Plus Enhanced Essential (S$50,000)as at 9 Oct 2026 |
| Class 3 job, S$50,000 cover | No online price | S$208.19PACare Plus Enhanced Essential (S$50,000)as at 9 Oct 2026 |
| You and your spouse, S$50,000 cover | S$204.92HSBC Life Band Aid Package 1 (S$100,000), basic plan, me and my spouse (one policy each)as at 19 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$512.30HSBC Life Band Aid Package 3 (S$500,000), basic plan, me and my children (children free)as at 19 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$512.30HSBC Life Band Aid Package 3 (S$500,000), basic plan, me and my children (children free)as at 19 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$1,024.60HSBC Life Band Aid Package 3 (S$500,000), basic plan, family (one policy each adult, children free)as at 19 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$1,024.60HSBC Life Band Aid Package 3 (S$500,000), basic plan, family (one policy each adult, children free)as at 19 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 | HSBC Life | Liberty |
|---|---|---|
| Accident medical expenses | Not included in the basic plan (optional benefit, extra premium) | 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 | Not included in the basic plan (optional benefit, extra premium) | 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. HFMD) | Not included in the basic plan (optional benefit, extra premium) | 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 HSBC Life or Liberty cheaper for personal accident insurance?
Of the 9 examples both price, HSBC Life was cheaper on 5, Liberty on 4. Your own answers can change the order, so get your own quote.
How does HSBC Life's cover compare with Liberty's?
On each one's cheapest plan for accountant, S$200,000 cover (HSBC Life HSBC Life Band Aid Package 2 (S$200,000), basic plan, Liberty PACare Plus Enhanced Executive (S$200,000)): Accident medical expenses: HSBC Life Not included in the basic plan (optional benefit, extra premium), 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: HSBC Life Not included in the basic plan (optional benefit, extra premium), 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. HFMD): HSBC Life Not included in the basic plan (optional benefit, extra premium), Liberty Medical expenses for infectious diseases within the S$5,000 medical limit; insect and animal bites and food poisoning extensions; Excess: HSBC Life S$0.00, Liberty S$0.00.
What discounts are HSBC Life and Liberty running?
HSBC Life: none to show. Liberty: none to show.