Personal accident insurance
Income vs Liberty personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, Income was cheaper on 2, Liberty on 8. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Income | Liberty |
|---|---|---|
| Accountant, S$200,000 cover | S$361.88PA Assurance Classic (S$200,000)as at 16 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$233.26PA Assurance Basic (S$100,000)as at 16 Oct 2026 | S$277.95PACare Plus Enhanced Economy (S$100,000)as at 9 Oct 2026 |
| Technician, S$500,000 cover | S$817.50PA Assurance Premium (S$500,000)as at 16 Oct 2026 | No online price |
| Class 1 job, S$50,000 cover | S$233.26PA Assurance Basic (S$100,000)as at 16 Oct 2026 | S$146.06PACare Plus Enhanced Essential (S$50,000)as at 9 Oct 2026 |
| Class 2 job, S$50,000 cover | S$233.26PA Assurance Basic (S$100,000)as at 16 Oct 2026 | S$176.58PACare Plus Enhanced Essential (S$50,000)as at 9 Oct 2026 |
| Class 3 job, S$50,000 cover | S$233.26PA Assurance Basic (S$100,000)as at 16 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$466.52PA Assurance Basic, me and my spouse (S$100,000 each)as at 16 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$373.22PA Assurance Basic, me and my children (S$100,000; each child 40% off)as at 16 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$513.17PA Assurance Basic, me and my children (S$100,000; each child 40% off)as at 16 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$606.48PA Assurance Basic, family (S$100,000 each adult; each child 40% off)as at 16 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$746.43PA Assurance Basic, family (S$100,000 each adult; each child 40% off)as at 16 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$233.26PA Assurance Basic, children only (S$100,000 each child, full price)as at 16 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 | Income | Liberty |
|---|---|---|
| Medical expenses after an accident | S$6,000 per accident (outpatient S$3,000; physiotherapy S$1,500 a year; TCM or chiropractor S$750) | 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 |
| Daily hospital income | S$150 a day, up to 365 days (S$450 a day in ICU, 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 | Not covered: Income sells it as the "with infectious disease cover" version of this plan | 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 Income or Liberty cheaper for personal accident insurance?
Of the 10 examples both price, Income was cheaper on 2, Liberty on 8. Your own answers can change the order, so get your own quote.
How does Income's cover compare with Liberty's?
On each one's cheapest plan for accountant, S$200,000 cover (Income PA Assurance Classic (S$200,000), Liberty PACare Plus Enhanced Executive (S$200,000)): Medical expenses after an accident: Income S$6,000 per accident (outpatient S$3,000; physiotherapy S$1,500 a year; TCM or chiropractor S$750), 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; Daily hospital income: Income S$150 a day, up to 365 days (S$450 a day in ICU, 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: Income Not covered: Income sells it as the "with infectious disease cover" version of this plan, Liberty Medical expenses for infectious diseases within the S$5,000 medical limit; insect and animal bites and food poisoning extensions; Excess: Income S$0.00, Liberty S$0.00.
What discounts are Income and Liberty running?
Income: none to show. Liberty: none to show.