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Personal accident insurance

How Liberty prices personal accident insurance

Priced online

What the figures include

The table's figures already include 9% GST.

Prices from this table are as at 9 Oct 2026, the day we read Liberty's published rates.

It does not cover these jobs online: Army, navy or air force (regular); Full-time national serviceman (NSF); Police officer; Police, SAF or civil defence (office or admin work only).

A plan's premium is its base figure, times each factor that applies, plus any additions. It is never below the plan's minimum. Version 8, live since 22 Oct 2026.

Plans and how each is priced

PACare Plus Enhanced Essential (S$50,000)

Offered when Who is covered is One adult; Sum insured up to S$50,000; Occupation class up to Class 3

Base premium
Occupation classFigure
Class 1S$146.06
Class 2S$176.58
Class 3S$208.19
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PACare Plus Enhanced Essential, me and my children (S$50,000)

Offered when Who is covered is One adult and children; Sum insured up to S$50,000; Occupation class up to Class 3

Base premium
Occupation classFigure
Class 1S$146.06
Class 2S$176.58
Class 3S$208.19
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PACare Plus Enhanced Essential, me and my spouse (S$50,000 each adult)

Offered when Who is covered is Two adults; Sum insured up to S$50,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3

Base premium
Occupation classby Spouse's occupation classUp to 123
Class 1S$285.58S$313.92S$343.35
Class 2S$316.10S$344.44S$373.87
Class 3S$347.71S$376.05S$405.48
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PACare Plus Enhanced Essential, family (S$50,000 each adult)

Offered when Who is covered is Two adults and children; Sum insured up to S$50,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3

Base premium
Occupation classby Spouse's occupation classUp to 123
Class 1S$285.58S$313.92S$343.35
Class 2S$316.10S$344.44S$373.87
Class 3S$347.71S$376.05S$405.48
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PACare Plus Enhanced Economy (S$100,000)

Offered when Who is covered is One adult; Sum insured up to S$100,000; Occupation class up to Class 3

Base premium
Occupation classFigure
Class 1S$227.81
Class 2S$277.95
Class 3S$367.33
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PACare Plus Enhanced Economy, me and my children (S$100,000)

Offered when Who is covered is One adult and children; Sum insured up to S$100,000; Occupation class up to Class 3

Base premium
Occupation classFigure
Class 1S$227.81
Class 2S$277.95
Class 3S$367.33
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PACare Plus Enhanced Economy, me and my spouse (S$100,000 each adult)

Offered when Who is covered is Two adults; Sum insured up to S$100,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3

Base premium
Occupation classby Spouse's occupation classUp to 123
Class 1S$445.81S$491.59S$576.61
Class 2S$495.95S$541.73S$626.75
Class 3S$585.33S$631.11S$716.13
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PACare Plus Enhanced Economy, family (S$100,000 each adult)

Offered when Who is covered is Two adults and children; Sum insured up to S$100,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3

Base premium
Occupation classby Spouse's occupation classUp to 123
Class 1S$445.81S$491.59S$576.61
Class 2S$495.95S$541.73S$626.75
Class 3S$585.33S$631.11S$716.13
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PACare Plus Enhanced Executive (S$200,000)

Offered when Who is covered is One adult; Sum insured up to S$200,000; Occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$389.13
Class 2S$494.86
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PACare Plus Enhanced Executive, me and my children (S$200,000)

Offered when Who is covered is One adult and children; Sum insured up to S$200,000; Occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$389.13
Class 2S$494.86
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PACare Plus Enhanced Executive, me and my spouse (S$200,000 each adult)

Offered when Who is covered is Two adults; Sum insured up to S$200,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2

Base premium
Occupation classby Spouse's occupation classUp to 12
Class 1S$758.64S$858.92
Class 2S$864.37S$964.65
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PACare Plus Enhanced Executive, family (S$200,000 each adult)

Offered when Who is covered is Two adults and children; Sum insured up to S$200,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2

Base premium
Occupation classby Spouse's occupation classUp to 12
Class 1S$758.64S$858.92
Class 2S$864.37S$964.65
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PACare Plus Enhanced Elite (S$300,000)

Offered when Who is covered is One adult; Sum insured up to S$300,000; Occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$547.18
Class 2S$696.51
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PACare Plus Enhanced Elite, me and my children (S$300,000)

Offered when Who is covered is One adult and children; Sum insured up to S$300,000; Occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$547.18
Class 2S$696.51
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PACare Plus Enhanced Elite, me and my spouse (S$300,000 each adult)

Offered when Who is covered is Two adults; Sum insured up to S$300,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2

Base premium
Occupation classby Spouse's occupation classUp to 12
Class 1S$1,064.93S$1,207.72
Class 2S$1,214.26S$1,357.05
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PACare Plus Enhanced Elite, family (S$300,000 each adult)

Offered when Who is covered is Two adults and children; Sum insured up to S$300,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2

Base premium
Occupation classby Spouse's occupation classUp to 12
Class 1S$1,064.93S$1,207.72
Class 2S$1,214.26S$1,357.05
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PACare Plus Enhanced Exclusive (S$500,000)

Offered when Who is covered is One adult; Sum insured up to S$500,000; Occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$819.68
Class 2S$1,062.75
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PACare Plus Enhanced Exclusive, me and my children (S$500,000)

Offered when Who is covered is One adult and children; Sum insured up to S$500,000; Occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$819.68
Class 2S$1,062.75
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PACare Plus Enhanced Exclusive, me and my spouse (S$500,000 each adult)

Offered when Who is covered is Two adults; Sum insured up to S$500,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2

Base premium
Occupation classby Spouse's occupation classUp to 12
Class 1S$1,596.85S$1,830.11
Class 2S$1,839.92S$2,073.18
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

PACare Plus Enhanced Exclusive, family (S$500,000 each adult)

Offered when Who is covered is Two adults and children; Sum insured up to S$500,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2

Base premium
Occupation classby Spouse's occupation classUp to 12
Class 1S$1,596.85S$1,830.11
Class 2S$1,839.92S$2,073.18
Multiplied by
AgeFigure
Up to 65×1.00

Excess None

Worked examples

We check the table against these cases before it goes live. Each one matches the insurer's own price to the cent. The working shows where each figure comes from and the sums that give the premium.

ExampleAnswersWorkingPremium
PACare Economy: class 1, S$100,000 askedPACare Plus Enhanced Economy (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Sum insured: S$100,000
  • Occupation class: Class 1
  1. Base S$227.81 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$227.81
  3. GST is included: S$227.81
S$227.81
PACare Economy: class 3, S$100,000 askedPACare Plus Enhanced Economy (S$100,000)
  • Age: 30
  • Who is covered: One adult
  • Sum insured: S$100,000
  • Occupation class: Class 3
  1. Base S$367.33 (Occupation class Class 3)
  2. × 1.00 (Age Up to 65) = S$367.33
  3. GST is included: S$367.33
S$367.33
PACare Executive: class 2, S$200,000 askedPACare Plus Enhanced Executive (S$200,000)
  • Age: 30
  • Who is covered: One adult
  • Sum insured: S$200,000
  • Occupation class: Class 2
  1. Base S$494.86 (Occupation class Class 2)
  2. × 1.00 (Age Up to 65) = S$494.86
  3. GST is included: S$494.86
S$494.86
PACare Elite: class 1, S$200,000 askedPACare Plus Enhanced Elite (S$300,000)
  • Age: 30
  • Who is covered: One adult
  • Sum insured: S$200,000
  • Occupation class: Class 1
  1. Base S$547.18 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$547.18
  3. GST is included: S$547.18
S$547.18
PACare Exclusive: class 2, S$500,000 askedPACare Plus Enhanced Exclusive (S$500,000)
  • Age: 30
  • Who is covered: One adult
  • Sum insured: S$500,000
  • Occupation class: Class 2
  1. Base S$1,062.75 (Occupation class Class 2)
  2. × 1.00 (Age Up to 65) = S$1,062.75
  3. GST is included: S$1,062.75
S$1,062.75
PACare Economy, me and my spouse: class 1 and class 2, S$100,000 askedPACare Plus Enhanced Economy, me and my spouse (S$100,000 each adult)
  • Age: 30
  • Who is covered: Two adults
  • Sum insured: S$100,000
  • Occupation class: Class 1
  • Spouse's occupation class: Class 2
  1. Base S$491.59 (Occupation class Class 1, Spouse's occupation class 2)
  2. × 1.00 (Age Up to 65) = S$491.59
  3. GST is included: S$491.59
S$491.59
Show the other 6 examples
ExampleAnswersWorkingPremium
PACare Exclusive, me and my spouse: class 1 and class 1, S$500,000 askedPACare Plus Enhanced Exclusive, me and my spouse (S$500,000 each adult)
  • Age: 30
  • Who is covered: Two adults
  • Sum insured: S$500,000
  • Occupation class: Class 1
  • Spouse's occupation class: Class 1
  1. Base S$1,596.85 (Occupation class Class 1, Spouse's occupation class Up to 1)
  2. × 1.00 (Age Up to 65) = S$1,596.85
  3. GST is included: S$1,596.85
S$1,596.85
PACare Economy, family: class 2 and class 3, 2 children, S$100,000 askedPACare Plus Enhanced Economy, family (S$100,000 each adult)
  • Age: 30
  • Who is covered: Two adults and children
  • Sum insured: S$100,000
  • Occupation class: Class 2
  • Spouse's occupation class: Class 3
  1. Base S$626.75 (Occupation class Class 2, Spouse's occupation class 3)
  2. × 1.00 (Age Up to 65) = S$626.75
  3. GST is included: S$626.75
S$626.75
PACare Executive, me and my children: class 1, 2 children, S$100,000 askedPACare Plus Enhanced Executive, me and my children (S$200,000)
  • Age: 30
  • Who is covered: One adult and children
  • Sum insured: S$100,000
  • Occupation class: Class 1
  1. Base S$389.13 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$389.13
  3. GST is included: S$389.13
S$389.13
PACare Essential: class 1, S$50,000 askedPACare Plus Enhanced Essential (S$50,000)
  • Age: 30
  • Who is covered: One adult
  • Sum insured: S$50,000
  • Occupation class: Class 1
  1. Base S$146.06 (Occupation class Class 1)
  2. × 1.00 (Age Up to 65) = S$146.06
  3. GST is included: S$146.06
S$146.06
PACare Essential, me and my spouse: class 3 and class 3, S$50,000 askedPACare Plus Enhanced Essential, me and my spouse (S$50,000 each adult)
  • Age: 30
  • Who is covered: Two adults
  • Sum insured: S$50,000
  • Occupation class: Class 3
  • Spouse's occupation class: Class 3
  1. Base S$405.48 (Occupation class Class 3, Spouse's occupation class 3)
  2. × 1.00 (Age Up to 65) = S$405.48
  3. GST is included: S$405.48
S$405.48
PACare Economy, family: class 3 and class 3, 4 children, S$100,000 askedPACare Plus Enhanced Economy, family (S$100,000 each adult)
  • Age: 30
  • Who is covered: Two adults and children
  • Sum insured: S$100,000
  • Occupation class: Class 3
  • Spouse's occupation class: Class 3
  1. Base S$716.13 (Occupation class Class 3, Spouse's occupation class 3)
  2. × 1.00 (Age Up to 65) = S$716.13
  3. GST is included: S$716.13
S$716.13

Where the figures come from

Before going live the table was read from the published table and matched to worked examples in the insurer's brochure.

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