Personal accident insurance
Singlife vs ERGO personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, Singlife 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 | Singlife | ERGO |
|---|---|---|
| Accountant, S$200,000 cover | S$423.57Personal Accident Standard (S$200,000)as at 5 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$285.23Personal Accident Lite (S$100,000)as at 5 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$285.23Personal Accident Lite (S$100,000)as at 5 Oct 2026 | S$135.00ERGO AccidentProtect Basic (S$100,000), Core Coveras at 19 Oct 2026 |
| Class 2 job, S$50,000 cover | S$328.02Personal Accident Lite (S$100,000)as at 5 Oct 2026 | S$160.00ERGO AccidentProtect Basic (S$100,000), Core Coveras at 19 Oct 2026 |
| Class 3 job, S$50,000 cover | S$570.46Personal Accident Lite (S$100,000)as at 5 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$513.43Personal Accident Lite, me and my spouse (S$100,000 each adult)as at 5 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$285.23Personal Accident Lite, me and my children (S$100,000)as at 5 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$285.23Personal Accident Lite, me and my children (S$100,000)as at 5 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$513.43Personal Accident Lite, family (S$100,000 each adult)as at 5 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$513.43Personal Accident Lite, family (S$100,000 each adult)as at 5 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 | Singlife | ERGO |
|---|---|---|
| Accident medical expenses | S$4,000 for hospital or doctor treatment; TCM or chiropractor up to S$750 (S$75 a day) within it; physiotherapy S$2,000 | 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 365 days; ICU S$200 a day up to 30 days | Not included in Core Cover (Daily Hospital Income is in Add-on Cover 1, extra premium) |
| Infectious diseases (e.g. dengue) | Medical expenses for dengue, Zika, insect or animal bites and food poisoning within the medical expenses limit; COVID-19 treatment in Singapore after a 14-day wait | 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 Singlife or ERGO cheaper for personal accident insurance?
Of the 10 examples both price, Singlife was cheaper on 0, ERGO on 10. Your own answers can change the order, so get your own quote.
How does Singlife's cover compare with ERGO's?
On each one's cheapest plan for accountant, S$200,000 cover (Singlife Personal Accident Standard (S$200,000), ERGO ERGO AccidentProtect Essential (S$200,000), Core Cover): Accident medical expenses: Singlife S$4,000 for hospital or doctor treatment; TCM or chiropractor up to S$750 (S$75 a day) within it; physiotherapy S$2,000, 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: Singlife S$100 a day up to 365 days; ICU S$200 a day up to 30 days, ERGO Not included in Core Cover (Daily Hospital Income is in Add-on Cover 1, extra premium); Infectious diseases (e.g. dengue): Singlife Medical expenses for dengue, Zika, insect or animal bites and food poisoning within the medical expenses limit; COVID-19 treatment in Singapore after a 14-day wait, 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: Singlife S$0.00, ERGO S$0.00.
What discounts are Singlife and ERGO running?
Singlife: none to show. ERGO: none to show.