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Key Benefits
1
Free dependent child cover
2
Medical reimbursement including 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)
5
Enjoy a No Claim bonus of up to 25%
6
Temporary care giver grant to cover cost of agency fee for hiring a temporary caregiver or domestic helper
We have got your needs covered
Compare our plans in detail, you’ll definitely find something that suits you
| 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 365 days (per Accident). Extended to cover hospitalisation due to Covid-19 |
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). Extended to cover hospitalisation due to Covid-19 |
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 Limit Doubles When Insured Person is travelling in a Public Conveyance or when due to landslide, flood, fire or explosion (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 |
| Physiotherapy Reimburses for physiotherapy treatment of Insured Person’s Accidental Injury as referred by a Medical Practitioner (per Accident) |
S$1,250 | S$1,000 | S$750 | S$500 | S$350 |
| 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 |
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 |
S$100,000 | S$100,000 | S$100,000 | S$100,000 | S$50,000 |
| 24-hour Medical Assistance via use of Liberty Helpline |
Covered | Covered | Covered | Covered | Covered |
| Transport Allowance 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 Insures against third-party claims for bodily Injury or property damage caused by Insured Person’s negligence |
S$500,000 | S$300,000 | S$200,000 | S$100,000 | S$50,000 |
| Trauma Counselling Expenses Pays the cost of counselling if the Insured Person 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 Pays a lump sum if the Insured Person 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 |
| 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 |
S$60,000 | S$50,000 | S$40,000 | S$30,000 | 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) |
S$25,000 | S$20,000 | S$15,000 | S$10,000 | 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) |
S$2,500 | S$2,000 | S$1,500 | S$1,000 | S$500 |
The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.
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 80 years | 50% of full coverage, renewals only |
| Child | 50% of full coverage with additional premium payable |
Additional Extensions
- Child Cover
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Criteria Coverage Applicable only to the following benefits:
• Section 1 – Accidental Death
• Section 2 – Permanent Disablement
• Section 6 – Daily Hospital Cash
• Section 9 – Medical ExpensesFree 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 - Other Additional Extensions
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- 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)
Notes
- Persons Eligible to Apply
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Singapore Citizens or Permanent Residents who are residing permanently in Singapore
- Age Eligibility
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- 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
- Referred Occupations
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Persons working in security organizations, construction and entertainment industries
- Declined Occupations
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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
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- 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
- Policy Owners' Protection Scheme
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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 (servicecenter@libertyinsurance.com.sg) 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.
