Liberty Personal Accident Leisure Insurance

In life, we always think or hope that it’ll never happen to us, but accidents are something we have no control over. Be prepared to face an unforeseen mishap with accident insurance. Liberty Insurance provides a host of financial products to provide you and your family financial protection in your time of need.

About Liberty Insurance Singapore

Liberty Insurance Singapore is a strategic business unit of the Liberty Mutual Insurance Group. Liberty Mutual Insurance Group, founded over 100 years ago, is headquartered in Boston with a diversified global network providing simplified insurance at competitive prices. The company aims to “help people live safer, more secure lives.” With continuous innovation and improvement, Liberty aims to deliver exceptional customer experience by offering a comprehensive suite of products.

Types of Liberty Personal Accident Insurance

PACare Plus

A simple insurance plan to cover you financially wherever you may be, in the event of an accident leading to death or total and permanent disability. Enjoy coverage of up to S$100,000 for less than 30 cents a day with the enhanced Liberty PACare Plus series of accident protection plans.


  • Coverage for 24 hours a day and 365 days a year.
  • Choose from four different coverage plans, Elite, Executive, Economy, and Essential.
  • Compensation for Death and Total Permanent Disability (TPD) up to S$300,000.
  • Not being able to permanently perform 3 Activities of Daily Living, such as bathing, dressing, eating, will be considered Permanent Total Disablement.

  • Double indemnity for injuries sustained during travel in public transport, or due to floods, fire or explosions.
  • Reimbursement for infectious diseases.
  • Covers injury due to terrorism, nuclear, biological, and chemical weapons of mass destruction.
  • Up to 25% No-Claim Bonus.
  • Daily Hospital Cash and ICU Daily Hospital Cash to a maximum of 90 days per accident.
  • Renewable up to 79 years subject to review annually.
  • 24-hour Medical Assistance.
  • Covers Mobility Aid and Ambulance Service.
  • Covers treatment by Traditional Chinese Medical and Chiropractic Treatment.


  • Permanent resident citizens of Singapore or others residing permanently in Singapore.
  • Adults – 18 to 65 years.
  • Dependent child of 6 months – 18 years. If enrolled in an educational institution up to the eligibility extends to the age of 25.
  • Your occupation will factor into approval and premium rates.


Liberty Insurance has devised an accident insurance plan tailored to meet the needs of Professional Pilots or Flight Instructors, Air Traffic Control Officers and Aircraft Maintenance Engineers. The aviation industry can be challenging and rewarding. In the event that your career is brought to a sudden end, Paymaster stands by you with financial support to prepare for an alternate career. It also provides coverage should you face any mishaps while travelling abroad.


  • Worldwide coverage.
  • Provides Income protection due to permanent loss of license resulting from accidental bodily injury or illness.
  • Covers death following bodily injury due to accident.
  • Covers personal liability against a third party claim while abroad.
  • Covers passive war situations.
  • Bail bond facility.
  • Worldwide security alerts.
  • Emergency medical evacuation.
  • 24-hour medical assistance on the Liberty Helpline.
  • Hospital admission deposit waived at certain hospitals in China, Taiwan, and Hong Kong with Liberty China Card.


  • 18 to 65 years of age.
  • Must be 55 years or less at the commencement of first insurance period.
  • Gainfully employed and active at work.
  • Policy available for individuals and groups.
  • Must have a valid Commercial Pilot license (CPL), Multi-crew Pilot License (MPL) or Airline Transport Pilot license (ATPL) issued by the Civil Aviation Authority of Singapore (CAAS).
  • Or hold an Aircraft Maintenance or Air Traffic Controller license issued by the Civil Aviation Authority of Singapore (CAAS).

Personal Accident

Liberty Insurance knows that one plan doesn’t fit everyone’s needs. It has designed a plan to specifically suit those who live dangerous lifestyles, in dangerous environments or neighbourhoods, where they are more prone to natural disasters or attacks. Liberty Insurance Personal Accident is a plan to protect yourself from death or injuries sustained due to the calamities of nature, fires and criminal acts of others.


  • Covers Death/Permanent Disablement.
  • Covers temporary total and partial disability.
  • Covers medical expenses.
  • Daily cash for hospitalisation up to a maximum of 30 days per accident.
  • Insurance covers in the event of:
    • Flood or other convulsions of nature
    • Third Degree Burns
    • Murder and assault
    • Terrorism except if due to nuclear, biological and chemical means (subject to a sub-limit).
    • Strike, riot and civil commotion if you are not a participant of it.


  • Permanent resident citizens of Singapore or others residing permanently in Singapore.
  • Adults – 18 to 65 years.
  • Renewable up to 79 subject to review annually.
  • Dependent child of 6 months to 18 years. If enrolled in an educational institution, the eligibility extends up to the age of 25.
  • Your occupation will factor into approval and premium rates.

Family Care

Starting a family is a great responsibility and protecting them is a greater one. Liberty Insurance provides a comprehensive plan to protect your family and yourself and thus giving you peace of mind.


  • Choice of two levels of protection.
  • Medical reimbursement due to accident.
  • Family Income Protection in case of hospitalisation due to accident.
  • Added protection and benefits with higher sums insured.
  • Covers legal liabilities of family and self.
  • 24-hour assistance services worldwide with Liberty Helpline.
  • Renewable up to the age of 70 years.


  • Maximum age is 65 years.
  • Up to 3 children covered between 6 months and 18 years.
  • Your occupation will factor into approval and premium rates.

Liberty Centennial PA

An insurance plan designed to be simple and affordable for people whose type of work is non-hazardous and whose life is in quite a regular environment. Suitable to those whose likelihood of accidents is much lower, this plan gives you affordable coverage to give you peace of mind knowing you are financially protected as we know that no matter how safe our environment is, none of us are excluded from the occurrence of accidents.

  • Personal Accident coverage at S$100,000
  • Global protection round the clock.
  • Reimbursement for Infectious Diseases.
  • Reimbursement for Traditional Chinese Medicine treatment.
  • Daily Cash benefits for hospitalization.
  • Covers Mobility Aids.
  • Free cover of two children for couple plans.


  • Residents who are Singapore Citizens or others who are permanently residing in Singapore.
  • 18 to 65 years.
  • Dependent child of 6 months to 17 years. Up to the age of 25, if enrolled in an educational institution.
  • Class 1 & 2 Occupation only.
    • Class 1 - Indoor and non-manual work in non-hazardous places.
    • Class 2 – Work that is outdoor or has occasional manual work, or supervisory in nature, or whose duties do not include use of tools or machinery and are not exposed to any special hazard.

Compare Liberty Personal Accident Insurance With Other Insurance Companies Offering Accident Insurance in Singapore

FAQS - Liberty Personal Accident Insurance

  1. Is the insurance coverage for Pilots and Flight Instructors different?
  2. No. The policy available is the same. “Flight instructors” is mentioned to make known that they are eligible for cover as well.

  3. What do I do in the event of a car accident?
  4. Please file a GIA report (General Insurance Association) within 24 hours of the accident either through the Liberty Preferred Workshops or Approved Reporting Centres (ARC). As per the Motor Claims Framework introduced by the General Insurance Association, the claim must be filed for record purposes whether or not you intend to claim on your own car policy, and regardless of whether your vehicle is damaged or not.

  5. What is the time stipulated for claiming for medical treatment?
  6. In case of claiming medical insurance, fill up the Medical Claim Form and send it along with the required documents for verification within 30 days from the date of treatment.

  7. Can I claim insurance if I was hospitalized only for one day for non-surgical treatment?
  8. Yes, if you were fully charged for one day of hospitalization, you can claim for insurance. For surgical treatment however, there is no minimum days or hours of hospitalization required.

  9. Can I claim for insurance online or through email?
  10. You can submit scanned documents through email, but you will have to submit the original documents to Liberty for the claim to be processed.

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