Key Benefits

1

Free dependent child cover

2

Medical reimbursement including substantial coverage in the case of infectious diseases attacks

3

Inability to permanently perform 3 Activities of daily living

4

Double Indemnity for Death and Total Permanent Disability (TPD)

5

Enjoy a No Claim bonus of up to 25%

6

Temporary care giver grant to cover cost of agency fee for hiring a temporary caregiver or domestic helper

Family

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Description of Benefits Exclusive Elite Executive Economy Essential
Accidental Death
(Principal Sum Assured)
Pays in the event of death due to Accidental bodily injury
S$500,000 S$300,000 S$200,000 S$100,000 S$50,000
Permanent Disablement
Pay based on Scale of Benefit Table in the event of Permanent Disablement
S$500,000 S$300,000 S$200,000 S$100,000 S$50,000
Double Indemnity
of Sections 1 and 2 when Insured is traveling in a Public Conveyance, or when due to landslide, flood, fire or explosion
S$1,000,000 S$600,000 S$400,000 S$200,000 S$100,000
Temporary Total Disablement
per week, maximum of 104 weeks (per Accident)
S$500 S$300 S$200 S$100 S$50
Temporary Partial Disablement
per week, maximum of 104 weeks (per Accident)
S$250 S$150 S$100 S$50 S$25
Daily Hospital Cash
per day with a maximum period of 365 days (per Accident). Extended to cover hospitalisation due to Covid-19
S$400 S$300 S$200 S$100 S$50
ICU Daily Hospital Cash
per day with a maximum period of 90 days (per Accident). Extended to cover hospitalisation due to Covid-19
S$700 S$600 S$400 S$200 S$100
Compassionate Cash Relief
Pays a lump sum in the event of Accidental death
S$4,000 S$3,000 S$2,000 S$1,000 S$1,000
Medical Expenses
Reimburses for inpatient and outpatient treatment incurred due to Accident and Infectious Diseases (per Accident)
S$10,000 S$7,500 S$5,000 S$3,000 S$1,000
Medical Expenses Limit Doubles
When Insured Person is travelling in a Public Conveyance or when due to landslide, flood, fire or explosion (per Accident)
S$20,000 S$15,000 S$10,000 S$6,000 S$2,000
Traditional Chinese Medical and Chiropractor Treatment
(per Accident)
S$1,000 S$750 S$500 S$400 S$100
Physiotherapy
Reimburses for physiotherapy treatment of Insured Person’s Accidental Injury as referred by a Medical Practitioner (per Accident)
S$1,250 S$1,000 S$750 S$500 S$350
Mobility Aid & Ambulance Service
(per Accident)
S$5,000 S$5,000 S$3,000 S$1,000 S$500
Emergency Evacuation and Repatriation
via use of Liberty Helpline
S$1,000,000 S$1,000,000 S$1,000,000 S$1,000,000 S$500,000
Repatriation of Mortal Remains
via use of Liberty Helpline 
S$100,000 S$100,000 S$100,000 S$100,000 S$50,000
24-hour Medical Assistance
via use of Liberty Helpline 
Covered Covered Covered Covered Covered
Transport Allowance 
Reimburses taxi fare incurred within 60 days upon discharge from Hospital (per Accident)
S$150 S$125 S$100 S$75 S$50
Personal Liability 
Insures against third-party claims for bodily Injury or property damage caused by Insured Person’s negligence
S$500,000 S$300,000 S$200,000 S$100,000 S$50,000
Trauma Counselling Expenses 
Pays the cost of counselling if the Insured Person suffers 50% or more Permanent Disablement (per Policy year)
S$3,500 S$2,500 S$2,000 S$1,500 S$1,000
Comatose State Benefit 
Pays a lump sum if the Insured Person suffers a coma as a result of an Accident (per policy year)
S$25,000 S$15,000 S$10,000 S$5,000 S$2,500
Family Support Fund 
Pays a lump-sum to Insured Person’s legal representative upon Accidental Death or Permanent Disability (50% or more) of the Insured Person
S$60,000 S$50,000 S$40,000 S$30,000 S$20,000
Home Retrofitting
Pays the reasonable cost of modifying Insured Person’s residential home if the Insured suffers a 50% or more Permanent Disability due to an Accidental Injury (per lifetime)
S$25,000 S$20,000 S$15,000 S$10,000 S$5,000
Temporary Care Giver Grant
Pays the agency fee for hiring a temporary caregiver or domestic helper if the Insured Person suffers 50% or more Permanent Disability due to an Accidental Injury (per Policy Year)
S$2,500 S$2,000 S$1,500 S$1,000 S$500

The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.


Annual Premium Table For Standard Lives Only (SGD) - By Classification of Occupations

Description Exclusive Elite Executive Economy Essential
Self
Description Exclusive Elite Executive Economy Essential
Class 1
You are engaged in indoor & non-manual work in non-hazardous places
S$744.47 S$515.57 S$366.24 S$214.73 S$137.34
Class 2
You are engaged in work of an outdoor or supervisory nature or involve occasional manual work, whose duties do not include use of tools and machinery and are not exposed to any special hazard, e.g. property agent, outdoor sales/marketing
S$965.74 S$656.18 S$466.52 S$261.60 S$165.68
Class 3
You are engaged in manual work not of particularly hazardous nature, with or without the use of tools or machinery. E.g. baker, butcher, driver, chauffeur, veterinarian
N.A. N.A. N.A. S$345.53 S$196.20
Spouse
Description Exclusive Elite Executive Economy Essential
Class 1
You are engaged in indoor & non-manual work in non-hazardous places
S$706.32 S$488.32 S$347.71 S$204.92 S$130.80
Class 2
You are engaged in work of an outdoor or supervisory nature or involve occasional manual work, whose duties do not include use of tools and machinery and are not exposed to any special hazard, e.g. property agent, outdoor sales/marketing
S$917.78 S$622.39 S$443.63 S$248.52 S$158.05
Class 3
You are engaged in manual work not of particularly hazardous nature, with or without the use of tools or machinery. E.g. baker, butcher, driver, chauffeur, veterinarian
N.A. N.A. N.A. S$328.09 S$185.30
Child
Description Exclusive Elite Executive Economy Essential
Premium for 50% coverage, i.e. 50% of sum insured from Section 1 to 23 (excluding Sect. 4 Temporary Total Disablement and Sect. 5 Temporary Partial Disablement)  S$485.05 S$320.46 S$213.64 S$119.90 S$75.21

Premiums above include prevailing GST


Scope of Coverage According to your Age
Age Scope of Coverage
18 to 65 years Full coverage
66 to 70 years Full coverage for renewals only
71 to 80 years 50% of full coverage, renewals only
Child 50% of full coverage with additional premium payable

Additional Extensions

Child Cover
Criteria Coverage

Applicable only to the following benefits:

• Section 1 – Accidental Death
• Section 2 – Permanent Disablement
• Section 6 – Daily Hospital Cash
• Section 9 – Medical Expenses

Free Child Cover for unlimited number of Children

Insured & spouse take up together in single same policy at inception or renewal Child is covered for 30% of parents’ Sum Insured based on the lower of the parent’s selected plan. Where Exclusive or Elite plans are selected, benefits per child will be computed based on 30% of Executive plan
Only one parent takes up the policy at inception or renewal Child is covered for 10% of parents’ Sum Insured based on the parent’s selected plan. Where Exclusive or Elite plans are selected, benefits per child will be computed based on 10% of Executive plan
Other Additional Extensions
  • Full Terrorism Cover
  • Accidental Miscarriage
  • Bites from Insects or Animals
  • Food Poisoning
  • Motor Cycling
  • National Service Full-Time (when off-duty) and Reservist Training
  • Unscheduled Flight
  • Murder and Assault
  • Hijack or Kidnap
  • Flood and Other Convulsions of Nature
  • Extra indemnity for Accidents During School Activities (not applicable to Free Child Cover)

Notes

Persons Eligible to Apply

Singapore Citizens or Permanent Residents who are residing permanently in Singapore

Age Eligibility
  • Adults from 18 to 65 years of age. Policy renewable up to age 80 subject to yearly review
  • Child/Children from 6 months to 18 years of age, or up to age 25 if he/she is enrolled in an educational institution on full-time higher education
  • Free Child Cover from 1 day to 18 years of age, or up to 25 if he/she is enrolled in an educational institution on full-time higher education
Referred Occupations

Persons working in security organizations, construction and entertainment industries

Declined Occupations

Air and ship crew, professional divers, professional sports persons; occupations involving diving, working on oil rigs, onboard vessels or offshore, fire fighting, police or military personnel or occupations of a hazardous nature, i.e. involving height, depth or heat

Major Exclusions
  • AIDS and diseases associated with HIV
  • Pre-existing conditions
  • Pregnancy, childbirth or its complications
  • Suicide or self-inflicted injury
  • War and nuclear-related events
  • Participating in any professional sports, rock climbing (except on man-made walls) or mountaineering which involves the use of guides or ropes, any underwater activities involving underwater breathing apparatus, any kind of speed contest or racing (other than on foot), motor rallies, hunting, potholing, caving, parachuting, sky diving, hang gliding, paragliding, cliff diving, bungee jumping, base jumping, competitive snow or ice sports
  • The following activities or sports, except undertaken on a leisure purpose under the supervision of a licensed guide or instructor, will not be covered: hot-air ballooning, ice or winter sports, hiking or trekking undertaken outside Singapore
  • Any kind of speed contest or racing (other than on foot) and motor rallies
Policy Owners' Protection Scheme

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us (servicecenter@libertyinsurance.com.sg) or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).


The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.

Please visit Contact Us for the Liberty Helpline number.