Personal accident insurance
AIG vs ERGO personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, AIG was cheaper on 0, ERGO on 10. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | AIG | ERGO |
|---|---|---|
| Accountant, S$200,000 cover | S$305.20Sapphire Enhanced Choices Preferred, Basic package (S$200,000)as at 12 Oct 2026 | S$223.00ERGO AccidentProtect Essential (S$200,000), Core Coveras at 19 Oct 2026 |
| Sales executive who travels for work, S$100,000 cover | S$173.31Sapphire Enhanced Choices Standard, Basic package (S$100,000)as at 12 Oct 2026 | S$160.00ERGO AccidentProtect Basic (S$100,000), Core Coveras at 19 Oct 2026 |
| Technician, S$500,000 cover | No online price | No online price |
| Class 1 job, S$50,000 cover | S$173.31Sapphire Enhanced Choices Standard, Basic package (S$100,000)as at 12 Oct 2026 | S$135.00ERGO AccidentProtect Basic (S$100,000), Core Coveras at 19 Oct 2026 |
| Class 2 job, S$50,000 cover | S$173.31Sapphire Enhanced Choices Standard, Basic package (S$100,000)as at 12 Oct 2026 | S$160.00ERGO AccidentProtect Basic (S$100,000), Core Coveras at 19 Oct 2026 |
| Class 3 job, S$50,000 cover | S$346.62Sapphire Enhanced Choices Standard, Basic package (S$100,000)as at 12 Oct 2026 | S$260.00ERGO AccidentProtect Basic (S$100,000), Core Coveras at 19 Oct 2026 |
| You and your spouse, S$50,000 cover | S$346.62Sapphire Enhanced Choices Standard, Basic package, me and my spouse (S$100,000 each adult)as at 12 Oct 2026 | S$270.00ERGO AccidentProtect Basic (S$100,000), Core Cover, me and my spouse (each adult on their own class)as at 19 Oct 2026 |
| You and 1 child, S$50,000 cover | S$259.97Sapphire Enhanced Choices Standard, Basic package, me and my children (S$100,000)as at 12 Oct 2026 | S$189.00ERGO AccidentProtect Basic (S$100,000), Core Cover, me and my children (core premium plus 40%; children at 20% of the cover)as at 19 Oct 2026 |
| You and 2 children, S$50,000 cover | S$259.97Sapphire Enhanced Choices Standard, Basic package, me and my children (S$100,000)as at 12 Oct 2026 | S$189.00ERGO AccidentProtect Basic (S$100,000), Core Cover, me and my children (core premium plus 40%; children at 20% of the cover)as at 19 Oct 2026 |
| Family: you, your spouse and 1 child, S$50,000 cover | S$346.62Sapphire Enhanced Choices Standard, Basic package, family (S$100,000 each adult)as at 12 Oct 2026 | S$270.00ERGO AccidentProtect Basic (S$100,000), Core Cover, family (each adult on their own class; children free at 20% of the cover)as at 19 Oct 2026 |
| Family: you, your spouse and 2 children, S$50,000 cover | S$346.62Sapphire Enhanced Choices Standard, Basic package, family (S$100,000 each adult)as at 12 Oct 2026 | S$270.00ERGO AccidentProtect Basic (S$100,000), Core Cover, family (each adult on their own class; children free at 20% of the cover)as at 19 Oct 2026 |
| 1 child on their own | No online price | No online price |
All prices include 9% GST.
These are example prices for the details above. Your own price depends on your answers.
Cover side by side
| Cover | AIG | ERGO |
|---|---|---|
| Accident medical expenses | S$6,000 per accident, plus S$4,000 for mobility aids and ambulance | Up to S$6,000 per accident or infectious disease, in hospital and out-patient; TCM and chiropractor up to S$750 a year; ambulance and mobility aids up to S$4,000 a year |
| Hospital cash | S$100 a day in hospital after an injury | Not included in Core Cover (Daily Hospital Income is in Add-on Cover 1, extra premium) |
| Infectious diseases (e.g. dengue) | Dengue and other insect or animal bites and food poisoning are covered as accidents; the Infectious Disease Recovery Cover is in the Comprehensive package only | Medical expenses for 22 specified infectious diseases including dengue, HFMD, mumps, rubella, RSV and shingles (within the medical expenses limit, 15-day waiting period); not while declared an epidemic or pandemic |
| Excess | S$0.00 | S$0.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is AIG or ERGO cheaper for personal accident insurance?
Of the 10 examples both price, AIG was cheaper on 0, ERGO on 10. Your own answers can change the order, so get your own quote.
How does AIG's cover compare with ERGO's?
On each one's cheapest plan for accountant, S$200,000 cover (AIG Sapphire Enhanced Choices Preferred, Basic package (S$200,000), ERGO ERGO AccidentProtect Essential (S$200,000), Core Cover): Accident medical expenses: AIG S$6,000 per accident, plus S$4,000 for mobility aids and ambulance, ERGO Up to S$6,000 per accident or infectious disease, in hospital and out-patient; TCM and chiropractor up to S$750 a year; ambulance and mobility aids up to S$4,000 a year; Hospital cash: AIG S$100 a day in hospital after an injury, ERGO Not included in Core Cover (Daily Hospital Income is in Add-on Cover 1, extra premium); Infectious diseases (e.g. dengue): AIG Dengue and other insect or animal bites and food poisoning are covered as accidents; the Infectious Disease Recovery Cover is in the Comprehensive package only, ERGO Medical expenses for 22 specified infectious diseases including dengue, HFMD, mumps, rubella, RSV and shingles (within the medical expenses limit, 15-day waiting period); not while declared an epidemic or pandemic; Excess: AIG S$0.00, ERGO S$0.00.
What discounts are AIG and ERGO running?
AIG: none to show. ERGO: none to show.