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Personal Accident

Customize Your Coverage

An affordable and flexible protection plan catered to you

Customize Your Coverage

When it comes to personal accident coverage, we know it’s not one size fits all. That’s why  Liberty’s Personal Accident plan lets you choose the benefits to suit your lifestyle. Have a peace of mind wherever you go, 24 hours a day and 365 days a year.

Benefits at a Glance

  1. Flood or other convulsions of nature
  2. Murder and assault
  3. Third Degree Burns
  4. Terrorism except if due to nuclear, biological and chemical means (subject to a sub-limit)
  5. Strike, riot and civil commotion so long as the insured person is not an active participant

Summary of Benefits

 

Description of Benefits Amount of Benefits Premium Rating Table

Class of Occupation

Class I Class II Class III
Death per S$10,000 S$4.55 S$7.49 S$10.70
Permanent Disablement
  • Scale I
OR
per S$10,000 S$2.274 S$3.75 S$5.35
  • Scale II
per S$10,000 S$4.55 S$7.49 S$10.70
Temporary Total Disablement per S$100 per week S$26.75 S$34.24 S$45.48
Temporary Partial Disablement per S$50 per week
Medical Expenses
(limit any one accident)
S$1,000
S$2,500
S$5,000
S$7,500
S$10,000
S$13.91
S$26.75
S$37.45
S$53.50
S$64.20
S$19.26
S$32.10
S$48.15
S$69.55
S$85.60
S$26.75
S$37.45
S$64.20
S$85.60
S$107.00
Hospital Allowance
(any one accident & maximum sum Insured of S$100)
S$50 per day S$26.75 S$32.10 S$37.45

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

Premiums above include prevailing GST.

 

Compensation
Death/Permanent Disablement

  • As per Table of Benefits in the actual policy wordings

 

Temporary Total Disablement

  • pays up to the limit selected per week, up to two years in the event of disablement which entirely prevents the Insured Person from attending to any occupation or profession
  • Limit under Temporary Total Disablement is capped at 0.5% of the limit under Death/Permanent Disablement subject to a maximum of S$750 or 50% of Proposer’s weekly earnings whichever is lower

 

Temporary Partial Disablement

  • Pays up to the limit selected per week up to two years in the event of disablement which prevents the Insured Person from attending to a substantial part of any occupation or profession

 

Medical Expenses

  • Pays up to the limit selected per accident for all medical, surgical and hospital expenses necessarily incurred by the Insured
  • Limit under Medical Expenses is capped at 5% of the limit under Death/Permanent Disablement subject to a maximum of S10,000 whichever is lower

 

Hospital Allowance

  • Pays up to the limit selected per day up to a maximum of 30 days per accident