Personal accident insurance
Allianz vs ERGO personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, Allianz was cheaper on 2, ERGO on 8. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Allianz | ERGO |
|---|---|---|
| Accountant, S$200,000 cover | S$378.94Accident Protect Plus Gold (S$250,000)as at 19 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$171.14Accident Protect Plus Silver (S$100,000)as at 19 Oct 2026 | S$160.00ERGO AccidentProtect Basic (S$100,000), Core Coveras at 19 Oct 2026 |
| Technician, S$500,000 cover | S$709.02Accident Protect Plus Platinum (S$500,000)as at 19 Oct 2026 | No online price |
| Class 1 job, S$50,000 cover | S$171.14Accident Protect Plus Silver (S$100,000)as at 19 Oct 2026 | S$135.00ERGO AccidentProtect Basic (S$100,000), Core Coveras at 19 Oct 2026 |
| Class 2 job, S$50,000 cover | S$281.15Accident Protect Plus Silver (S$100,000)as at 19 Oct 2026 | S$160.00ERGO AccidentProtect Basic (S$100,000), Core Coveras at 19 Oct 2026 |
| Class 3 job, S$50,000 cover | S$171.14Accident Protect Plus Silver (S$100,000)as at 19 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$290.94Accident Protect Plus Silver, me and my spouse (S$100,000 each adult; 15% off the whole premium)as at 19 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$187.03Accident Protect Plus Silver, me and my children (S$100,000; each child on the Child plan, S$48.90; 15% off the whole premium)as at 19 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$228.60Accident Protect Plus Silver, me and my children (S$100,000; each child on the Child plan, S$48.90; 15% off the whole premium)as at 19 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$332.50Accident Protect Plus Silver, family (S$100,000 each adult; each child on the Child plan, S$48.90; 15% off the whole premium)as at 19 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$374.07Accident Protect Plus Silver, family (S$100,000 each adult; each child on the Child plan, S$48.90; 15% off the whole premium)as at 19 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 | Allianz | ERGO |
|---|---|---|
| Accident medical expenses | S$5,000 per accident, inpatient and outpatient for up to 12 months, including chiropractor, TCM practitioner and physiotherapist and ambulance or taxi to hospital | 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, up to 750 days per accident; ICU S$200 a day up to 90 days; recuperation S$50 a day up to 30 days; weekly cash S$100 for total temporary disablement | Not included in Core Cover (Daily Hospital Income is in Add-on Cover 1, extra premium) |
| Infectious diseases (e.g. dengue) | S$200 lump sum per diagnosis event for 27 listed infectious diseases including dengue, hand foot and mouth disease, Zika, malaria and measles (30-day waiting period) | 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 Allianz or ERGO cheaper for personal accident insurance?
Of the 10 examples both price, Allianz was cheaper on 2, ERGO on 8. Your own answers can change the order, so get your own quote.
How does Allianz's cover compare with ERGO's?
On each one's cheapest plan for accountant, S$200,000 cover (Allianz Accident Protect Plus Gold (S$250,000), ERGO ERGO AccidentProtect Essential (S$200,000), Core Cover): Accident medical expenses: Allianz S$5,000 per accident, inpatient and outpatient for up to 12 months, including chiropractor, TCM practitioner and physiotherapist and ambulance or taxi to hospital, 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: Allianz S$100 a day, up to 750 days per accident; ICU S$200 a day up to 90 days; recuperation S$50 a day up to 30 days; weekly cash S$100 for total temporary disablement, ERGO Not included in Core Cover (Daily Hospital Income is in Add-on Cover 1, extra premium); Infectious diseases (e.g. dengue): Allianz S$200 lump sum per diagnosis event for 27 listed infectious diseases including dengue, hand foot and mouth disease, Zika, malaria and measles (30-day waiting period), 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: Allianz S$0.00, ERGO S$0.00.
What discounts are Allianz and ERGO running?
Allianz: none to show. ERGO: none to show.