Personal accident insurance
Chubb vs Liberty personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, Chubb was cheaper on 1, Liberty on 8. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Chubb | Liberty |
|---|---|---|
| Accountant, S$200,000 cover | No online price | 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$251.94DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)as at 20 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$251.94DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)as at 20 Oct 2026 | S$146.06PACare Plus Enhanced Essential (S$50,000)as at 9 Oct 2026 |
| Class 2 job, S$50,000 cover | S$251.94DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)as at 20 Oct 2026 | S$176.58PACare Plus Enhanced Essential (S$50,000)as at 9 Oct 2026 |
| Class 3 job, S$50,000 cover | S$251.94DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)as at 20 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$453.49DBS MultiGen Protect Classic, me and my spouse (S$100,000 each adult; 10% multi-member discount)as at 20 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$374.28DBS MultiGen Protect Classic, me and my children (S$100,000; each child S$60,000 disability; 10-20% multi-member discount)as at 20 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$492.83DBS MultiGen Protect Classic, me and my children (S$100,000; each child S$60,000 disability; 10-20% multi-member discount)as at 20 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$567.64DBS MultiGen Protect Classic, family (S$100,000 each adult; each child S$60,000 disability; 15-20% multi-member discount)as at 20 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$706.98DBS MultiGen Protect Classic, family (S$100,000 each adult; each child S$60,000 disability; 15-20% multi-member discount)as at 20 Oct 2026 | S$285.58PACare Plus Enhanced Essential, family (S$50,000 each adult)as at 9 Oct 2026 |
| 1 child on their own | S$163.93DBS MultiGen Protect Classic, children only (S$60,000 disability each child; 10-15% multi-member discount from two children)as at 20 Oct 2026 | 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 | Chubb | Liberty |
|---|---|---|
| Accident medical expenses | S$2,000 per accident (alternative medicine such as TCM or chiropractic S$50 a visit, S$500 per accident) | S$3,000 per accident (S$6,000 on public transport or from landslide, flood, fire or explosion); TCM or chiropractor S$400 and physiotherapy S$500 per accident; mobility aids and ambulance S$1,000; transport allowance S$75 |
| Hospital cash | Not for an accident stay: S$100 a day (up to 60 days) only while in hospital for dengue, food poisoning or HFMD | S$100 a day up to 365 days; ICU S$200 a day up to 90 days (incl. COVID-19 hospitalisation) |
| Infectious diseases (e.g. dengue) | Covered: S$100 a day (up to 60 days) in hospital for dengue fever, dengue haemorrhagic fever, food poisoning or HFMD | Medical expenses for infectious diseases within the S$3,000 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 Chubb or Liberty cheaper for personal accident insurance?
Of the 9 examples both price, Chubb was cheaper on 1, Liberty on 8. Your own answers can change the order, so get your own quote.
How does Chubb's cover compare with Liberty's?
On each one's cheapest plan for sales executive who travels for work, S$100,000 cover (Chubb DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb), Liberty PACare Plus Enhanced Economy (S$100,000)): Accident medical expenses: Chubb S$2,000 per accident (alternative medicine such as TCM or chiropractic S$50 a visit, S$500 per accident), Liberty S$3,000 per accident (S$6,000 on public transport or from landslide, flood, fire or explosion); TCM or chiropractor S$400 and physiotherapy S$500 per accident; mobility aids and ambulance S$1,000; transport allowance S$75; Hospital cash: Chubb Not for an accident stay: S$100 a day (up to 60 days) only while in hospital for dengue, food poisoning or HFMD, Liberty S$100 a day up to 365 days; ICU S$200 a day up to 90 days (incl. COVID-19 hospitalisation); Infectious diseases (e.g. dengue): Chubb Covered: S$100 a day (up to 60 days) in hospital for dengue fever, dengue haemorrhagic fever, food poisoning or HFMD, Liberty Medical expenses for infectious diseases within the S$3,000 medical limit; insect and animal bites and food poisoning extensions; Excess: Chubb S$0.00, Liberty S$0.00.
What discounts are Chubb and Liberty running?
Chubb: none to show. Liberty: none to show.