Personal accident insurance
HSBC Life vs ERGO personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, HSBC Life was cheaper on 5, ERGO on 4. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | HSBC Life | ERGO |
|---|---|---|
| Accountant, S$200,000 cover | S$204.92HSBC Life Band Aid Package 2 (S$200,000), basic planas 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$112.27HSBC Life Band Aid Package 1 (S$100,000), basic planas at 19 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$102.46HSBC Life Band Aid Package 1 (S$100,000), basic planas 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$112.27HSBC Life Band Aid Package 1 (S$100,000), basic planas 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 | No online price | S$260.00ERGO AccidentProtect Basic (S$100,000), Core Coveras at 19 Oct 2026 |
| You and your spouse, S$50,000 cover | S$204.92HSBC Life Band Aid Package 1 (S$100,000), basic plan, me and my spouse (one policy each)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$512.30HSBC Life Band Aid Package 3 (S$500,000), basic plan, me and my children (children free)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$512.30HSBC Life Band Aid Package 3 (S$500,000), basic plan, me and my children (children free)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$1,024.60HSBC Life Band Aid Package 3 (S$500,000), basic plan, family (one policy each adult, children free)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$1,024.60HSBC Life Band Aid Package 3 (S$500,000), basic plan, family (one policy each adult, children free)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 | HSBC Life | ERGO |
|---|---|---|
| Accident medical expenses | Not included in the basic plan (optional benefit, extra premium) | 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 | Not included in the basic plan (optional benefit, extra premium) | Not included in Core Cover (Daily Hospital Income is in Add-on Cover 1, extra premium) |
| Infectious diseases (e.g. HFMD) | Not included in the basic plan (optional benefit, extra premium) | 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 HSBC Life or ERGO cheaper for personal accident insurance?
Of the 9 examples both price, HSBC Life was cheaper on 5, ERGO on 4. Your own answers can change the order, so get your own quote.
How does HSBC Life's cover compare with ERGO's?
On each one's cheapest plan for accountant, S$200,000 cover (HSBC Life HSBC Life Band Aid Package 2 (S$200,000), basic plan, ERGO ERGO AccidentProtect Essential (S$200,000), Core Cover): Accident medical expenses: HSBC Life Not included in the basic plan (optional benefit, extra premium), 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: HSBC Life Not included in the basic plan (optional benefit, extra premium), ERGO Not included in Core Cover (Daily Hospital Income is in Add-on Cover 1, extra premium); Infectious diseases (e.g. HFMD): HSBC Life Not included in the basic plan (optional benefit, extra premium), 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: HSBC Life S$0.00, ERGO S$0.00.
What discounts are HSBC Life and ERGO running?
HSBC Life: none to show. ERGO: none to show.