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
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.
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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 |
| Economy | Occupation Class 2 | Base | S$249 |
| Essential | Occupation Class 2 | Base | S$158 |
| Exclusive | Occupation Class 3 | Base | — |
| Elite | Occupation Class 3 | Base | — |
| Executive | Occupation Class 3 | Base | — |
| Economy | Occupation Class 3 | Base | S$328 |
| Essential | Occupation Class 3 | Base | S$185 |
| Exclusive | Child | Base | S$485 |
| Elite | Child | Base | S$320 |
| Executive | Child | Base | S$214 |
| Economy | Child | Base | S$120 |
| Essential | Child | Base | S$75 |
Plan facts
Benefits
The balanced take
AI-drafted · human-reviewed · 12 Jul 2026A 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
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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
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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.