Key benefits
Free dependent child cover
Medical reimbursement including substantial coverage in the case of infectious disease attacks
Inability to permanently perform 3 Activities of daily living
Double Indemnity for Death and Total Permanent Disability (TPD)
Enjoy a No Claim bonus of up to 25%
Temporary care giver grant to cover cost of agency fee for hiring a temporary caregiver or domestic helper
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Compare our plans in detail, you’ll definitely find something that suits you
Description
Exclusive
Elite
Executive
Economy
Essential
Accidental Death
(Principal Sum Assured)
Pays in the event of death due to Accidental bodily injury
Exclusive
S$500,000
Elite
S$300,000
Executive
S$200,000
Economy
S$100,000
Essential
S$50,000
Permanent Disablement
Pay based on Scale of Benefit Table in the event of Permanent Disablement
Exclusive
S$500,000
Elite
S$300,000
Executive
S$200,000
Economy
S$100,000
Essential
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
Exclusive
S$1,000,000
Elite
S$600,000
Executive
S$400,000
Economy
S$200,000
Essential
S$100,000
Temporary Total Disablement
per week, maximum of 104 weeks (per Accident)
Exclusive
S$500
Elite
S$300
Executive
S$200
Economy
S$100
Essential
S$50
Temporary Partial Disablement
per week, maximum of 104 weeks (per Accident)
Exclusive
S$250
Elite
S$150
Executive
S$100
Economy
S$50
Essential
S$25
Daily Hospital Cash
per day with a maximum period of 365 days (per Accident). Extended to cover hospitalisation due to Covid-19
Exclusive
S$400
Elite
S$300
Executive
S$200
Economy
S$100
Essential
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
Exclusive
S$700
Elite
S$600
Executive
S$400
Economy
S$200
Essential
S$100
Compassionate Cash Relief
Pays a lump sum in the event of Accidental death
Exclusive
S$4,000
Elite
S$3,000
Executive
S$2,000
Economy
S$1,000
Essential
S$1,000
Medical Expenses
Reimburses for inpatient and outpatient treatment incurred due to Accident and Infectious Diseases (per Accident)
Exclusive
S$10,000
Elite
S$7,500
Executive
S$5,000
Economy
S$3,000
Essential
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)
Exclusive
S$20,000
Elite
S$15,000
Executive
S$10,000
Economy
S$6,000
Essential
S$2,000
Traditional Chinese Medical and Chiropractor Treatment
(per Accident)
Exclusive
S$1,000
Elite
S$750
Executive
S$500
Economy
S$400
Essential
S$100
Physiotherapy
Reimburses for physiotherapy treatment of Insured Person’s Accidental Injury as referred by a Medical Practitioner (per Accident)
Exclusive
S$1,250
Elite
S$1,000
Executive
S$750
Economy
S$500
Essential
S$350
Mobility Aid & Ambulance Service
(per Accident)
Exclusive
S$5,000
Elite
S$5,000
Executive
S$3,000
Economy
S$1,000
Essential
S$500
Emergency Evacuation and Repatriation
via use of Liberty Helpline
Exclusive
S$1,000,000
Elite
S$1,000,000
Executive
S$1,000,000
Economy
S$1,000,000
Essential
S$500,000
Repatriation of Mortal Remains
via use of Liberty Helpline
Exclusive
S$100,000
Elite
S$100,000
Executive
S$100,000
Economy
S$100,000
Essential
S$50,000
24-hour Medical Assistance
via use of Liberty Helpline
Exclusive
Covered
Elite
Covered
Executive
Covered
Economy
Covered
Essential
Covered
Transport Allowance
Reimburses taxi fare incurred within 60 days upon discharge from Hospital (per Accident)
Exclusive
S$150
Elite
S$125
Executive
S$100
Economy
S$75
Essential
S$50
Personal Liability
Insures against third-party claims for bodily Injury or property damage caused by Insured Person’s negligence
Exclusive
S$500,000
Elite
S$300,000
Executive
S$200,000
Economy
S$100,000
Essential
S$50,000
Trauma Counselling Expenses
Pays the cost of counselling if the Insured Person suffers 50% or more Permanent Disablement (per Policy year)
Exclusive
S$3,500
Elite
S$2,500
Executive
S$2,000
Economy
S$1,500
Essential
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)
Exclusive
S$25,000
Elite
S$15,000
Executive
S$10,000
Economy
S$5,000
Essential
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
Exclusive
S$60,000
Elite
S$50,000
Executive
S$40,000
Economy
S$30,000
Essential
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)
Exclusive
S$25,000
Elite
S$20,000
Executive
S$15,000
Economy
S$10,000
Essential
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)
Exclusive
S$2,500
Elite
S$2,000
Executive
S$1,500
Economy
S$1,000
Essential
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
Class 1
You are engaged in indoor & non-manual work in non-hazardous places
Exclusive
S$744.47
Elite
S$515.57
Executive
S$366.24
Economy
S$214.73
Essential
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
Exclusive
S$965.74
Elite
S$656.18
Executive
S$466.52
Economy
S$261.60
Essential
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
Exclusive
N.A.
Elite
N.A.
Executive
N.A.
Economy
S$345.53
Essential
S$196.20
Class 1
You are engaged in indoor & non-manual work in non-hazardous places
Exclusive
S$706.32
Elite
S$488.32
Executive
S$347.71
Economy
S$204.92
Essential
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
Exclusive
S$917.78
Elite
S$622.39
Executive
S$443.63
Economy
S$248.52
Essential
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
Exclusive
N.A.
Elite
N.A.
Executive
N.A.
Economy
S$328.09
Essential
S$185.30
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)
Exclusive
S$485.05
Elite
S$320.46
Executive
S$213.64
Economy
S$119.90
Essential
S$75.21
Premiums above include prevailing GST
Scope of Coverage According to your Age
Age
Scope of Coverage
18 to 65 years
Scope of Coverage
Full coverage
66 to 70 years
Scope of Coverage
Full coverage for renewals only
71 to 80 years
Scope of Coverage
50% of full coverage, renewals only
Child
Scope of Coverage
50% of full coverage with additional premium payable
Additional Extensions
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
- 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)
Get in touch
If you have any questions regarding this product, don’t hestitate to reach out via our contact form.
Get in touch
If you have any questions regarding this product, don’t hestitate to reach out via our contact form.
Notes
Singapore Citizens or Permanent Residents who are residing permanently in Singapore
- 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
Persons working in security organisations, construction and entertainment industries
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
- 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
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 (sgservicecenter@libertymutual.com) 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.
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