PACare Plus Enhanced

Personal accident plan by Liberty. Base premium from S$75/yr. Accidental death up to —, permanent disability up to —.

Last verified 12 Jul 2026 · 1 official source · pa-2026-07-12

Last verified12 Jul 2026

Data versionpa-2026-07-12

Verified sources1 of 1

Liberty PACare Plus Enhanced — official product page

From the insurer's official product page. A headline sum is a ceiling; actual payout depends on the event, disability scale, occupation, exclusions and policy wording.

Premiums (base cover)

Plan	Occupation	Cover	Annual premium
Exclusive	Occupation Class 1	Base	S$744
Elite	Occupation Class 1	Base	S$516
Executive	Occupation Class 1	Base	S$366
Economy	Occupation Class 1	Base	S$215
Essential	Occupation Class 1	Base	S$137
Exclusive	Occupation Class 2	Base	S$966
Elite	Occupation Class 2	Base	S$656
Executive	Occupation Class 2	Base	S$467
Economy	Occupation Class 2	Base	S$262
Essential	Occupation Class 2	Base	S$166
Exclusive	Occupation Class 3	Base	—
Elite	Occupation Class 3	Base	—
Executive	Occupation Class 3	Base	—
Economy	Occupation Class 3	Base	S$346
Essential	Occupation Class 3	Base	S$196
Exclusive	Occupation Class 1	Base	S$706
Elite	Occupation Class 1	Base	S$488
Executive	Occupation Class 1	Base	S$348
Economy	Occupation Class 1	Base	S$205
Essential	Occupation Class 1	Base	S$131
Exclusive	Occupation Class 2	Base	S$918
Elite	Occupation Class 2	Base	S$622
Executive	Occupation Class 2	Base	S$444

Plan facts

Occupation basisOccupation Classes 1–3; Class 3 limited to Economy/Essential

Entry ageAdult full cover to 65; child definitions apply

Renewal / continuation66–70 full cover for renewals only; 71–80 50% cover for renewals only

PricingPublished schedule

PlansExclusive · Elite · Executive · Economy · Essential

Benefits

Accident capitalFive tiers; full schedule controls exact limits.

Accident medical / infectious diseaseMedical reimbursement includes specified infectious-disease treatment subject to schedule.

ADL / double benefitActivities-of-daily-living and double accidental-death/PTD features subject to terms.

No-claim bonusUp to 25% subject to claim-free renewal conditions.

Personal liabilityUp to 500,000.

Trauma counsellingUp to 3,500.

ComaUp to 25,000.

Family fundUp to 60,000.

Home retrofit / caregiverUp to 25,000 / 2,500.

Lifestyle extensionsTerrorism, motorcycling, NS/reservist and leisure activity extensions subject to wording.

The balanced take

AI-drafted · human-reviewed · 12 Jul 2026

A family-friendly plan with strong recovery benefits and manual-job entry options, where the high-to-low tier ordering and older-age benefit reductions deserve attention.

Commonly praised

Broad family pricing table
Strong ancillary recovery benefits
Entry-tier options for manual (Class 3) jobs

Common trade-offs

Tiers run high-to-low, which can confuse comparisons
Upper tiers unavailable for manual jobs
Benefits halve for renewals aged 71–80

AI-drafted from this plan's documented strengths and trade-offs, then reviewed by our team. It is an educational synthesis of published product facts — not consumer reviews, an insurer statement, or financial advice. Confirm details with the insurer or a licensed adviser.

Community reviews

No reviews yet. Been on this plan? Be the first to share your experience.

Reviews are individual opinions submitted by the public and may be biased or not reflect your experience. They are moderated for spam and abuse, not fact-checked, and are separate from our source-backed data and the balanced take above.

Speak to an adviser about Liberty PACare Plus Enhanced

An adviser can help you:

Match the plan and tier to your occupation, activities and budget
Weigh the trade-offs above against comparable plans
Get a firm quote — including plans that only price on request

Speak to an adviser →

Liberty PACare Plus Enhancedfigures are indicative, for comparison and education only, from the insurer’s published 2026 material. Actual premiums, occupation loading, eligibility, exclusions and payouts depend on your circumstances and the policy contract. This page does not rank plans or recommend a product. Confirm with Liberty or a licensed financial adviser before any decision.