Personal accident insurance
Liberty vs MSIG personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, Liberty was cheaper on 1, MSIG on 9. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Liberty | MSIG |
|---|---|---|
| Accountant, S$200,000 cover | S$389.13PACare Plus Enhanced Executive (S$200,000)as at 9 Oct 2026 | S$322.73PA RecoveryPlus Gold (S$200,000)as at 19 Oct 2026 |
| Sales executive who travels for work, S$100,000 cover | S$277.95PACare Plus Enhanced Economy (S$100,000)as at 9 Oct 2026 | S$154.78ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 |
| Technician, S$500,000 cover | No online price | No online price |
| Class 1 job, S$50,000 cover | S$146.06PACare Plus Enhanced Essential (S$50,000)as at 9 Oct 2026 | S$125.35ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 |
| Class 2 job, S$50,000 cover | S$176.58PACare Plus Enhanced Essential (S$50,000)as at 9 Oct 2026 | S$125.35ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 |
| Class 3 job, S$50,000 cover | S$208.19PACare Plus Enhanced Essential (S$50,000)as at 9 Oct 2026 | S$207.10ProtectionPlus Silver (S$100,000)as at 19 Oct 2026 |
| You and your spouse, S$50,000 cover | S$285.58PACare Plus Enhanced Essential, me and my spouse (S$50,000 each adult)as at 9 Oct 2026 | S$238.17ProtectionPlus Silver, me and my spouse (S$100,000 each adult)as at 19 Oct 2026 |
| You and 1 child, S$50,000 cover | S$146.06PACare Plus Enhanced Essential, me and my children (S$50,000)as at 9 Oct 2026 | S$136.25ProtectionPlus Silver, me and my children (S$100,000)as at 19 Oct 2026 |
| You and 2 children, S$50,000 cover | S$146.06PACare Plus Enhanced Essential, me and my children (S$50,000)as at 9 Oct 2026 | S$147.15ProtectionPlus Silver, me and my children (S$100,000)as at 19 Oct 2026 |
| Family: you, your spouse and 1 child, S$50,000 cover | S$285.58PACare Plus Enhanced Essential, family (S$50,000 each adult)as at 9 Oct 2026 | S$238.17ProtectionPlus Silver, my family (S$100,000 each adult)as at 19 Oct 2026 |
| Family: you, your spouse and 2 children, S$50,000 cover | S$285.58PACare Plus Enhanced Essential, family (S$50,000 each adult)as at 9 Oct 2026 | S$238.17ProtectionPlus Silver, my family (S$100,000 each adult)as at 19 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 | Liberty | MSIG |
|---|---|---|
| Accident medical expenses | 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 | S$2,000 per injury; alternative treatment S$400 (S$40 a visit); mobility aid S$2,000 |
| Hospital cash | S$200 a day up to 365 days; ICU S$400 a day up to 90 days (incl. COVID-19 hospitalisation) | S$100 a day up to 365 days (doubled in ICU up to 30 days); S$100 a day for dengue, food poisoning or HFMD up to 50 days |
| Infectious diseases (e.g. dengue) | Medical expenses for infectious diseases within the S$5,000 medical limit; insect and animal bites and food poisoning extensions | Hospital income for dengue, food poisoning and hand, foot and mouth disease only |
| 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 Liberty or MSIG cheaper for personal accident insurance?
Of the 10 examples both price, Liberty was cheaper on 1, MSIG on 9. Your own answers can change the order, so get your own quote.
How does Liberty's cover compare with MSIG's?
On each one's cheapest plan for accountant, S$200,000 cover (Liberty PACare Plus Enhanced Executive (S$200,000), MSIG PA RecoveryPlus Gold (S$200,000)): Accident medical expenses: 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, MSIG S$2,000 per injury; alternative treatment S$400 (S$40 a visit); mobility aid S$2,000; Hospital cash: Liberty S$200 a day up to 365 days; ICU S$400 a day up to 90 days (incl. COVID-19 hospitalisation), MSIG S$100 a day up to 365 days (doubled in ICU up to 30 days); S$100 a day for dengue, food poisoning or HFMD up to 50 days; Infectious diseases (e.g. dengue): Liberty Medical expenses for infectious diseases within the S$5,000 medical limit; insect and animal bites and food poisoning extensions, MSIG Hospital income for dengue, food poisoning and hand, foot and mouth disease only; Excess: Liberty S$0.00, MSIG S$0.00.
What discounts are Liberty and MSIG running?
Liberty: none to show. MSIG: 15% off; 20% off.