Key Benefits

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For less than 30 cents a day, enjoy comprehensive coverage of up to S$100,000 with PACare Plus, whenever and wherever you may be. Renewable till 79 years old, PACare Plus covers your medical expenses so you can focus on living life to the fullest. 

1

Coverage for Accidental Death and Permanent Disablement

2

Double Indemnity

For Death and Total Permanent Disability (TPD) when traveling in Public Conveyance or due to floods, fire or explosions.

3

Medical Reimbursement

This includes coverage for Infectious Diseases

4

Full Coverage For Terrorism

This includes the use of nuclear, biological and chemical weapons of mass destruction

5

No Claim Bonus of up to 25%

PACare Plus Side

Find A Plan That Meets Your Needs

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Description of Benefits Elite Executive Economy Essential
Accidental Death
Elusive Elite Executive Economy Essential
Accidental Death
(Principal Sum Assured)
Pays in the event of death due to Accidental bodily injury		 S$300,000 S$200,000 S$100,000 S$50,000
Medical
Description of Benefits Elite Executive Economy Essential
Permanent Disablement
Pay based on Scale of Benefit Table in the event of Permanent Disablement		 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$600,000 S$400,000 S$200,000 S$100,000
Temporary Total Disablement
per week, maximum of 104 weeks per Accident		 S$300 S$200 S$100 S$50
Temporary Partial Disablement
per week, maximum of 104 weeks per Accident		 S$150 S$100 S$50 S$25
Daily Hospital Cash
per day with a maximum period of 90 days per Accident		 S$300 S$200 S$100 S$50
ICU Daily Hospital Cash
per day with a maximum period of 90 days per Accident		 S$600 S$400 S$200 S$100
Compassionate Cash Relief
Pays a lump sum in the event of Accidental death		 S$3,000 S$2,000 S$1,000 S$1,000

Medical Expenses
per accident Expenses for treatment of the following Infectious Disease can be reimbursed

  • Avian Influenza
  • Chikungunya Fever
  • Dengue Haemorrhagic Fever
  • Hand, Foot and Mouth Disease
  • Influenza Type A H1N1
  • Japanese Viral Encephalitis
  • Malaria
  • Nipah Viral Encephalitis
  • Rabies
  • Severe Acute Respiratory Syndrome (SARS)
  • Zika
 S$7,500 S$5,000 S$3,000 S$1,000
Medical Expenses Limits (per accident) Doubles
When Insured is traveling in a Public Conveyance, or when due to landslide, flood, fire or explosion, or when warded in an ICU of a hospital		 S$15,000 S$10,000 S$6,000 S$2,000
Traditional Chinese Medical and Chiropractor Treatment
per Accident		 S$750 S$500 S$400 S$100
Mobility Aid (rented or purchased) & Ambulance Service
per Accident		 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$500,000
Repatriation of Mortal Remains
via use of Liberty Helpline (+65) 6334 4434		 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

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

Classification of Occupations

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Class Description
Class 1 You are engaged in indoor & non-manual work in non-hazardous places.
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.
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.

Scope of Coverage

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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 coverage

Notes

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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
Referred Risks

Persons working in security organizations, construction and entertainment industries

Declined Risks

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
  • Participation in any professional sports, deep-sea diving utilizing hard helmet with air hose attachments, hunting, potholing, parachuting, skydiving, competitive snow or ice sports, caving or hang gliding
  • 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

Downloads

file icon Policy Wordings - Applicable to policies effected before 20 July 2017 576.261 KB download icon