Key Benefits

With your family covered all year round, you’ll never miss a moment with them. The little ones will enjoy free coverage when parents are protected under PACare Plus. This way, the whole family can focus on the simple joys in life, worry-free.

1

Free Dependent Child Cover

Your precious little ones will enjoy complimentary coverage if the Insured and spouse take up together in a single policy at inception or renewal

2

Medical Reimbursement

This includes 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)

When traveling in a Public Conveyance or due to floods, fire or explosions

5

Enjoy a No Claim Bonus of Up to 25%

At each renewal anniversary of the policy, the Principal Sum Insured will increase by 5% from the original amount, up to 25%.

hands with plant

Find A Plan That Meets Your Needs

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 90 days per Accident
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
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 Limits Doubles
When insured is travelling in a public conveyance 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
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 (+65) 6334 4434
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 (+65) 6334 4434
S$100,000 S$100,000 S$100,000 S$100,000 S$50,000
24-hour Medical Assistance
via use of Liberty Helpline (+65) 6334 4434
Covered Covered Covered Covered Covered
Transport Allowance *NEW*
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 *NEW*
Insures against third party claims for bodily Injury or property damage caused by Insured’s negligence
S$500,000 S$300,000 S$200,000 S$100,000 S$50,000
Trauma Counselling Expenses *NEW*
Pays the cost of counselling if the Insured 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 *NEW*
Pays a lump sum if the Insured 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

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$695.50 S$481.50 S$342.40 S$201.16 S$128.40
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$903.08 S$613.11 S$436.56 S$245.03 S$155.15
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$323.14 S$182.97
Spouse
Description Exclusive Elite Executive Economy Essential
Class 1
You are engaged in indoor & non-manual work in non-hazardous places.
S$660.19 S$456.89 S$325.28 S$191.53 S$121.98
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$858.14 S$582.08 S$415.16 S$232.19 S$147.66
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$307.09 S$173.34
Child
Description Exclusive Elite Executive Economy Essential
Premium for 50% Coverage (Excluding Exclusive Plan).
50% of Sum Insured from Section 1 to 19.
N.A. S$299.60 S$200.09 S$112.35 S$70.62

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 79 years 50% of coverage, renewals only
Child 50% of full coverage with additional premium payable (excluding Exclusive plan)

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 takes 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

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 79 subject to yearly review
  • Dependent Child 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

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