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Personal accident insurance

Liberty vs Singlife personal accident insurance

As of 12 Nov 2026 (Singapore time)

Of the 10 examples both price, Liberty was cheaper on 10, Singlife on 0. Your own answers can change the order, so get your own quote.

Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/compare/pa/liberty-vs-singlife

Personal accident insurance promotions today: Etiqa, 30% off; MSIG, 20% off; HL Assurance, 10% off. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.

Lowest price on each example

Each insurer's cheapest plan for the example, with any discount it is running taken off.
ExampleLibertySinglife
Accountant, S$200,000 coverS$389.13PACare Plus Enhanced Executive (S$200,000)Buy Nowas at 9 Oct 2026S$423.57Personal Accident Standard (S$200,000)Buy Nowas at 5 Oct 2026
Sales executive who travels for work, S$100,000 coverS$277.95PACare Plus Enhanced Economy (S$100,000)Buy Nowas at 9 Oct 2026S$285.23Personal Accident Lite (S$100,000)Buy Nowas at 5 Oct 2026
Technician, S$500,000 coverNo online priceNo online price
Class 1 job, S$50,000 coverS$146.06PACare Plus Enhanced Essential (S$50,000)Buy Nowas at 9 Oct 2026S$285.23Personal Accident Lite (S$100,000)Buy Nowas at 5 Oct 2026
Class 2 job, S$50,000 coverS$176.58PACare Plus Enhanced Essential (S$50,000)Buy Nowas at 9 Oct 2026S$328.02Personal Accident Lite (S$100,000)Buy Nowas at 5 Oct 2026
Class 3 job, S$50,000 coverS$208.19PACare Plus Enhanced Essential (S$50,000)Buy Nowas at 9 Oct 2026S$570.46Personal Accident Lite (S$100,000)Buy Nowas at 5 Oct 2026
You and your spouse, S$50,000 coverS$285.58PACare Plus Enhanced Essential, me and my spouse (S$50,000 each adult)Buy Nowas at 9 Oct 2026S$513.43Personal Accident Lite, me and my spouse (S$100,000 each adult)Buy Nowas at 5 Oct 2026
You and 1 child, S$50,000 coverS$146.06PACare Plus Enhanced Essential, me and my children (S$50,000)Buy Nowas at 9 Oct 2026S$285.23Personal Accident Lite, me and my children (S$100,000)Buy Nowas at 5 Oct 2026
You and 2 children, S$50,000 coverS$146.06PACare Plus Enhanced Essential, me and my children (S$50,000)Buy Nowas at 9 Oct 2026S$285.23Personal Accident Lite, me and my children (S$100,000)Buy Nowas at 5 Oct 2026
Family: you, your spouse and 1 child, S$50,000 coverS$285.58PACare Plus Enhanced Essential, family (S$50,000 each adult)Buy Nowas at 9 Oct 2026S$513.43Personal Accident Lite, family (S$100,000 each adult)Buy Nowas at 5 Oct 2026
Family: you, your spouse and 2 children, S$50,000 coverS$285.58PACare Plus Enhanced Essential, family (S$50,000 each adult)Buy Nowas at 9 Oct 2026S$513.43Personal Accident Lite, family (S$100,000 each adult)Buy Nowas at 5 Oct 2026
1 child on their ownNo online priceNo 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

Each insurer's cheapest plan for accountant, S$200,000 cover: Liberty PACare Plus Enhanced Executive (S$200,000), Singlife Personal Accident Standard (S$200,000).
CoverLibertySinglife
Accident medical expensesS$5,000 per accident, within 12 months (S$10,000 on public transport or from landslide, flood, fire or explosion); TCM or chiropractor S$500 and physiotherapy S$750 per accident, counted within the medical limit; mobility aids and ambulance S$3,000; taxi fares after discharge S$100S$4,000 per accident for hospital or doctor treatment within 365 days; TCM or chiropractor up to S$750 (S$75 a day) within it; physiotherapy S$2,000 per accident on a doctor's referral, within 90 days
Hospital cashS$200 a day, up to 365 days per accident (ICU S$400 a day, up to 90 days); COVID-19 hospitalisation in Singapore also paid at these rates, but only up to 90 days a policy year and not in the first 14 days of cover or within 14 days of returning from overseasS$100 a day (each full 24 hours) up to 365 days per accident; ICU S$200 a day up to 30 days
Infectious diseases (e.g. dengue)Covered up to S$5,000 (shares the medical limit): dengue, chikungunya, Zika, HFMD, malaria, measles, mumps, rubella, tuberculosis, rabies, Japanese encephalitis, Nipah, melioidosis, SARS, MERS, avian flu, vCJD, anthrax, yellow fever, plague, Legionnaires', Ebola and cholera; not if diagnosed in the first 14 days of cover, and not while the WHO or Singapore declares the disease a pandemic or epidemic; insect and animal bites and food poisoning also coveredMedical expenses for dengue, Zika, insect or animal bites and food poisoning within the medical expenses limit; COVID-19 treatment in Singapore after a 14-day wait
ExcessS$0.00S$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.

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Buy Now addresses

Each insurer listed here, at its lowest price on this page.

Questions people ask

Is Liberty or Singlife cheaper for personal accident insurance?

Of the 10 examples both price, Liberty was cheaper on 10, Singlife on 0. Your own answers can change the order, so get your own quote.

How does Liberty's cover compare with Singlife's?

On each one's cheapest plan for accountant, S$200,000 cover (Liberty PACare Plus Enhanced Executive (S$200,000), Singlife Personal Accident Standard (S$200,000)): Accident medical expenses: Liberty S$5,000 per accident, within 12 months (S$10,000 on public transport or from landslide, flood, fire or explosion); TCM or chiropractor S$500 and physiotherapy S$750 per accident, counted within the medical limit; mobility aids and ambulance S$3,000; taxi fares after discharge S$100, Singlife S$4,000 per accident for hospital or doctor treatment within 365 days; TCM or chiropractor up to S$750 (S$75 a day) within it; physiotherapy S$2,000 per accident on a doctor's referral, within 90 days; Hospital cash: Liberty S$200 a day, up to 365 days per accident (ICU S$400 a day, up to 90 days); COVID-19 hospitalisation in Singapore also paid at these rates, but only up to 90 days a policy year and not in the first 14 days of cover or within 14 days of returning from overseas, Singlife S$100 a day (each full 24 hours) up to 365 days per accident; ICU S$200 a day up to 30 days; Infectious diseases (e.g. dengue): Liberty Covered up to S$5,000 (shares the medical limit): dengue, chikungunya, Zika, HFMD, malaria, measles, mumps, rubella, tuberculosis, rabies, Japanese encephalitis, Nipah, melioidosis, SARS, MERS, avian flu, vCJD, anthrax, yellow fever, plague, Legionnaires', Ebola and cholera; not if diagnosed in the first 14 days of cover, and not while the WHO or Singapore declares the disease a pandemic or epidemic; insect and animal bites and food poisoning also covered, Singlife Medical expenses for dengue, Zika, insect or animal bites and food poisoning within the medical expenses limit; COVID-19 treatment in Singapore after a 14-day wait; Excess: Liberty S$0.00, Singlife S$0.00.

What discounts are Liberty and Singlife running?

Liberty: none to show. Singlife: none to show.