Compare our plans in detail, you’ll definitely find something that suits you
Top-up Plan from Plan C | ||||||
Description of Benefits | Plan A | Plan B | Plan C | Top-up | Top-up | Max. Sum |
Section 1 | ||||||
Building including | S$50,000 | S$100,000 | S$200,000 | 0.0540% | 0.1377% | S$3,500,000 |
Section 2 | ||||||
Contents (All Risks) | S$15,000 | S$40,000 | S$50,000 | 0.2592% | 0.6610% | S$500,000 |
Section 3 | ||||||
Personal & Family | S$500,000 | S$500,000 | S$500,000 | S$27.00 | S$68.85 | S$1,000,000 |
Food & Beverage | S$100,000 | S$100,000 | S$100,000 | N.A. | N.A. | N.A. |
Section 4 | ||||||
Personal Accident | S$50,000 | S$50,000 | S$50,000 | N.A. | N.A. | N.A. |
Section 5 | ||||||
Emergency Home | S$200 | S$200 | S$200 | N.A. | N.A. | N.A. |
1 Year Premium | S$75.60 | S$129.60 | S$194.40 | |||
3 Year Premium (after 15% discount) | S$192.78 | S$330.48 | S$495.72 | |||
The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.
Description of Optional Coverage | Limits/Top-up Rates |
Upgrade my Personal Effects Cover (unspecified) on jewellery, watches, spectacles and handbags/wallets anywhere in Singapore | Limit Per Article (S$2,000) Top-up Rate: |
Upgrade my Personal and Family liability to Worldwide excluding USA, Canada and Sanctioned Countries | Limit of Liability: S$500,000 OR Limit of Liability: S$1,000,000 |
nsures against loss of or damage to renovations, improvements, fixtures and fittings caused by
Other covers, following a claim:
Insures on an All Risks basis against accidental loss of or damage to home contents and personal effects in the home including:
Insures against third-party claims for bodily injuries or property damage caused by the Insured or his family while living in the insured premises. Cover includes legal costs and expenses incurred with our written consent.
The coverage is provided anywhere in Singapore and is subject to Singapore jurisdiction.
Compensation for accidental death or injury to Insured, spouse and their unmarried children.
The coverage is provided worldwide on a 24-hour basis.
In the event of an emergency at home, the policy pays up to S$100 per event for emergency repairs arranged through Liberty Helpline at (65) 6636 1131 (24 hours).
The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.
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).
Compare our plans in detail, you’ll definitely find something that suits you
Top-up Plan from Plan C | ||||||
Description of Benefits | Plan A | Plan B | Plan C | Top-up | Top-up | Max. Sum |
Section 1 | ||||||
Building including | S$50,000 | S$100,000 | S$200,000 | 0.0540% | 0.1377% | S$3,500,000 |
Section 2 | ||||||
Contents (All Risks) | S$15,000 | S$40,000 | S$50,000 | 0.2592% | 0.6610% | S$500,000 |
Section 3 | ||||||
Personal & Family | S$500,000 | S$500,000 | S$500,000 | S$27.00 | S$68.85 | S$1,000,000 |
Food & Beverage | S$100,000 | S$100,000 | S$100,000 | N.A. | N.A. | N.A. |
Section 4 | ||||||
Personal Accident | S$50,000 | S$50,000 | S$50,000 | N.A. | N.A. | N.A. |
Section 5 | ||||||
Emergency Home | S$200 | S$200 | S$200 | N.A. | N.A. | N.A. |
1 Year Premium | S$75.60 | S$129.60 | S$194.40 | |||
3 Year Premium (after 15% discount) | S$192.78 | S$330.48 | S$495.72 | |||
The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.
Description of Optional Coverage | Limits/Top-up Rates |
Upgrade my Personal Effects Cover (unspecified) on jewellery, watches, spectacles and handbags/wallets anywhere in Singapore | Limit Per Article (S$2,000) Top-up Rate: |
Upgrade my Personal and Family liability to Worldwide excluding USA, Canada and Sanctioned Countries | Limit of Liability: S$500,000 OR Limit of Liability: S$1,000,000 |
nsures against loss of or damage to renovations, improvements, fixtures and fittings caused by
Other covers, following a claim:
Insures on an All Risks basis against accidental loss of or damage to home contents and personal effects in the home including:
Insures against third-party claims for bodily injuries or property damage caused by the Insured or his family while living in the insured premises. Cover includes legal costs and expenses incurred with our written consent.
The coverage is provided anywhere in Singapore and is subject to Singapore jurisdiction.
Compensation for accidental death or injury to Insured, spouse and their unmarried children.
The coverage is provided worldwide on a 24-hour basis.
In the event of an emergency at home, the policy pays up to S$100 per event for emergency repairs arranged through Liberty Helpline at (65) 6636 1131 (24 hours).
The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.
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).
MaidEase covers these benefits:
Section / Schedule of Benefits | Aggregate Limit Per Policy Period | |
Deluxe | Superior | |
1. Worldwide Personal Accident | ||
Death OR | $60,000 | $70,000 |
Additional Indemnity for death from accident in Dwelling | $62,500 | $75,000 |
Permanent Disablement | As per scale stated in the Policy | As per scale stated in the Policy |
Medical Expenses including | $1,000 | $2,500 |
Treatment by Chinese Physicians | $100 per accident | $100 per accident |
Treatment for Dengue Fever | $100 | $250 |
Ambulance Services | $100 | $100 |
2. Repatriation Expenses | $10,000 | $10,000 |
3. Hospital and Surgical Expenses | ||
including Day Surgery, 90 days Pre and Post-Hospitalisation treatment at | $30,000 subject to $15,000 per annum (Worldwide) | $40,000 subject to $20,000 per annum (Worldwide) |
Singapore Public Hospital | 100% | 100% |
Private Hospital in Singapore | 40% | 40% |
Hospital outside Singapore | 40% | 40% |
4. Wages Compensation & Levy Reimbursement (up to 60 days) | $15 per day | $30 per day |
5. Alternative Help Benefit (up to 30 days) | N.A. | $15 per day |
6. Recuperation Benefit for each day of hospitalisation (up to 60 days) | N.A. | $20 per day |
7. Domestic Helper Liability | $2,500 | $5,000 |
8. Dread Diseases | N.A. | $2,000 |
9. Termination Expenses and Re-Hiring Expenses (up to 90 days) | $250 | $500 |
10. Domestic Helper’s Belongings | $250 | $500 |
11. Special Grant | $1,000 | $3,000 |
12. Fidelity Guarantee | N.A. | $1,000 |
Letter of Guarantee / Waiver of Counter Indemnity | ||
13. Letter of Guarantee to the Ministry of Manpower | $5,000 | $5,000 |
14. Waiver of Counter Indemnity for Letter of Guarantee | $5,000 subject to excess of $250 | $5,000 subject to excess of $250 |
Cover is intended for employers in Singapore who are:
Policy Owners’ Protection Scheme
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 or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)
$100 per event, up to 4 times per year for:
Up to 25 extensions, covering you against:
And more!
For Homeowners – Solution A
Basic Cover | Cosy | Serene | Luxury |
1. Building, Renovations, Fixtures and Fittings | $80,000 | $120,000 | $200,000 |
2. Contents | $20,000 | $20,000 | $20,000 |
3. Worldwide Family Personal Liability | $750,000 | $750,000 | $750,000 |
4. Personal Accident within Insured Dwelling | |||
• For Insured and Spouse | $20,000 each | $20,000 each | $20,000 each |
• For Unlimited Number of Children | $5,000 each | $5,000 each | $5,000 each |
– Hospital Allowance for Insured and Spouse | $250 each | $250 each | $250 each |
5. 24-hour Emergency Home Assistance Service | |||
For Locksmith, Plumbing, Electrical, Air Conditioning Engineer & Pest Control services | Up to $100 reimbursement per event, | Up to $100 reimbursement per event, | Up to $100 reimbursement per event, |
6. Pet Dog Cover | $500 | $500 | $500 |
Up to 25 extensions, covering you such as: • Cost of replacement of locks and keys following a break-in • Loss or damage to laptops and mobile devices due to insured perils or accidents And more! (Click here to view full list of benefits) | |||
Annual Premium (Inclusive of GST) | |||
Standard | $106.92 | $167.40 | $251.64 |
Enhanced | $151.20 | $214.92 | $322.92 |
Optional Cover Premium (Inclusive of GST)
Benefits | Premium |
Top up of Worldwide Family Personal Liability to $1 Million | $32.40 |
Rent Protector | $81.00 |
Valuables* under Contents | Rates and Excess subjected to underwriting. |
Worldwide Personal Effects** • Unspecified Articles |
For Homeowners (Solution A) | Premium (inclusive of GST) | |||
Plan Type | Building, Renovations, Fixtures & Fittings | Contents | Standard | Enhanced |
Cosy | $80,000 | $20,000 | $106.92 | $151.20 |
Serene | $120,000 | $40,000 | $167.40 | $214.92 |
Luxury | $200,000 | $60,000 | $251.64 | $322.92 |
Top Up | ||||
Building, Renovations, Fixtures & Fittings | $0.432 per $1,000 Sum Insured | $0.648 per $1,000 Sum Insured | ||
Contents | $2.700 per $1,000 Sum Insured | $3.780 per $1,000 Sum Insured | ||
For Tenant and Landlord (Solution B and C) | Premium (inclusive of GST) | |||
Plan Type | Building, Renovations, Fixtures & Fittings | Contents | Standard | Enhanced |
Tenant (Solution B) | N.A. | Flexible | $2.700 per $1,000 Sum Insured | $3.780 per $1,000 Sum Insured |
Landlord (Solution C) | Flexible | N.A. | $0.432 per $1,000 Sum Insured | $0.648 per $1,000 Sum Insured |
Minimum premium of $108 (inclusive of GST) | ||||
Optional Cover | (Premium inclusive of GST) | |||
Top up of Worldwide Family Personal Liability to $1 M | $32.40 | |||
Rent Protector | $81.00 | |||
Valuables* exceeding $2,500 under Contents Cover | Rates and Excess subjected to underwriting. | |||
Worldwide Personal Effects (Unspecified Articles) | ||||
Worldwide Personal Effects** (Specified Articles) | ||||
^ Please submit duly completed and signed application form with proof of purchase/receipt/valuation report to emailus@sompo.com.sg for further underwriting.
* Valuables
Jewellery, watches, antiques, paintings, furs, works of art, curios, stamps or coin collections, items of gold, silver, platinum or other precious metals and other collectible property. Total Value should not exceed 1/3 of Contents Sum Insured.
** Personal Effects
Articles of personal use designed specifically to be worn or carried on the person such as clothing, jewellery, watches & camera equipment but excluding money, mobile phones, any portable devices such as laptops and digital tablets, pedal cycles, PAB, PMA, PMD, and/or any mechanically propelled vehicles/devices, aerial devices/drones and any items which are used in connection with any business profession or employment. Any item that is insured under a separate policy is also excluded. Total Value should not exceed 50% of Contents Sum Insured.
Your home is one of the cosiest places where your heart lies, your memories create and, you and your family feel safe. While your apartment or house is your safe haven, it will need protection too.
If your apartment or house is damaged by an unforeseen event such as fire or water pipe bursts, a home insurance would be your financial shield against repair or replacement cost. Other than covering the building structure, home insurance such as HomeBliss also covers the improvements and additions (e.g. renovations) you made to your apartment or house, your household contents and personal effects.
The HDB Fire Insurance Scheme was introduced to help relieve flat owners of the financial burden of repair work in the unfortunate event of a fire. The HDB fire insurance covers the cost of reinstating damaged internal structures, fixtures, as well as areas built and provided by HDB. It does not include home contents such as furniture, renovations and personal belongings.1
Buying home insurance such as HomeBliss, improvements and additions to your HDB apartment would be covered along with your furniture and household contents. The other benefits2 you get to enjoy include 24-hour Emergency Home Assistance such as plumbing assistance, replacement of laptops or mobile devices if these are damaged due to an insured peril, your legal liabilities to third parties that may arise due to an insured peril – just to name a few.
1Source: https://www.hdb.gov.sg/residential/living-in-an-hdb-flat/fire-insurance
2Please refer to HomeBliss policy wordings.
If you reside in a condominium or an apartment registered as a Management Corporation Strata Title (MCST) property, it is the legal responsibility of your Management Committee (MC) to insure the entire property for fire damage. If the property is damaged, the MC will make a claim on the insurance policy and use the claim amount to reinstate the property.
The MCST fire insurance policy may not cover the homeowners’ improvements and/or renovations made to their individual properties. Homeowners are encouraged to check the coverage of their MCST’s fire insurance policy and arrange for additional or separate fire insurance to cover improvements and/or renovations made.1
Buying home insurance such as HomeBliss, improvements and additions to your apartment would be covered along with your furniture and household contents. The other benefits2 you get to enjoy include 24-hour Emergency Home Assistance such as plumbing assistance, replacement of laptops or mobile devices if these are damaged due to an insured peril, your legal liabilities to third parties that may arise due to an insured peril – just to name a few.
1Source: https://gia.org.sg/help-support/property-insurance/101-mortgagee-interest-policy/421-what-is-the-difference-between-mip-and-mcst-fire-insurance.html
2Please refer to HomeBliss policy wordings.
The loss and damage illustrated in this scenario will be covered by HomeBliss Enhanced Plan under the loss and damage caused by Insured Perils and accidental means clause.
Do note that HomeBliss Standard Plan only covers loss and damage caused by Insured Perils. Hence this plan will not cover for loss and damage caused by bursting of water pipes or tanks that are located outside your home.
Policy Owners’ Protection Scheme
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 or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)
