Personal accident insurance
HL Assurance vs Liberty personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, HL Assurance was cheaper on 9, Liberty on 1. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | HL Assurance | Liberty |
|---|---|---|
| Accountant, S$200,000 cover | S$495.96Family Protect360 Premier (S$250,000 an adult)as at 8 Oct 2026code SAVE30 | 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$135.25Family Protect360 Silver (S$100,000 an adult)as at 8 Oct 2026code SAVE30 | 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$51.27Family Protect360 Bronze (S$50,000 an adult)as at 8 Oct 2026code SAVE30 | S$146.06PACare Plus Enhanced Essential (S$50,000)as at 9 Oct 2026 |
| Class 2 job, S$50,000 cover | S$51.27Family Protect360 Bronze (S$50,000 an adult)as at 8 Oct 2026code SAVE30 | S$176.58PACare Plus Enhanced Essential (S$50,000)as at 9 Oct 2026 |
| Class 3 job, S$50,000 cover | S$51.27Family Protect360 Bronze (S$50,000 an adult)as at 8 Oct 2026code SAVE30 | S$208.19PACare Plus Enhanced Essential (S$50,000)as at 9 Oct 2026 |
| You and your spouse, S$50,000 cover | S$135.25Family Protect360 Bronze, Family (me and my spouse; S$50,000 an adult; priced as the Family plan)as at 8 Oct 2026code SAVE30 | 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$135.25Family Protect360 Bronze, Myself With Child(ren) (S$50,000 an adult, S$10,000 a child)as at 8 Oct 2026code SAVE30 | 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$135.25Family Protect360 Bronze, Myself With Child(ren) (S$50,000 an adult, S$10,000 a child)as at 8 Oct 2026code SAVE30 | 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$135.25Family Protect360 Bronze, Family (S$50,000 an adult, S$10,000 a child)as at 8 Oct 2026code SAVE30 | 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$135.25Family Protect360 Bronze, Family (S$50,000 an adult, S$10,000 a child)as at 8 Oct 2026code SAVE30 | 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 | HL Assurance | Liberty |
|---|---|---|
| Accident medical expenses | S$2,500 an adult, including Chinese physician or chiropractor treatment up to 50% of the limit and ambulance charges up to S$200 an injury | 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 covered; income protector S$1,000 a month up to S$6,000 after permanent total disablement, home care S$2,500 | 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) | Covered: medical expenses for 20 named infectious diseases including dengue fever, hand, foot and mouth disease, Zika and malaria, within the S$2,500 medical limit, after a 14-day waiting period; cover ceases once an epidemic or pandemic is declared | 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
- HL Assurance: Promo code SAVE30: 10% + S$30 off
- Liberty: none to show
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is HL Assurance or Liberty cheaper for personal accident insurance?
Of the 10 examples both price, HL Assurance was cheaper on 9, Liberty on 1. Your own answers can change the order, so get your own quote.
How does HL Assurance's cover compare with Liberty's?
On each one's cheapest plan for accountant, S$200,000 cover (HL Assurance Family Protect360 Premier (S$250,000 an adult), Liberty PACare Plus Enhanced Executive (S$200,000)): Accident medical expenses: HL Assurance S$2,500 an adult, including Chinese physician or chiropractor treatment up to 50% of the limit and ambulance charges up to S$200 an injury, 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: HL Assurance Not covered; income protector S$1,000 a month up to S$6,000 after permanent total disablement, home care S$2,500, 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): HL Assurance Covered: medical expenses for 20 named infectious diseases including dengue fever, hand, foot and mouth disease, Zika and malaria, within the S$2,500 medical limit, after a 14-day waiting period; cover ceases once an epidemic or pandemic is declared, Liberty Medical expenses for infectious diseases within the S$5,000 medical limit; insect and animal bites and food poisoning extensions; Excess: HL Assurance S$0.00, Liberty S$0.00.
What discounts are HL Assurance and Liberty running?
HL Assurance: Promo code SAVE30: 10% + S$30 off. Liberty: none to show.