Personal accident insurance
EQ Insurance vs ERGO personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 6 examples both price, EQ Insurance was cheaper on 6, ERGO on 0. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | EQ Insurance | ERGO |
|---|---|---|
| Accountant, S$200,000 cover | S$174.40EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000)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$109.00EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000)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$109.00EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000)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$109.00EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000)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$109.00EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$200,000)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$218.00EQ Personal Accident, death and permanent disablement (S$50,000 each), me and my spouse (one policy each)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 | No online price | 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 | No online price | 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 | No online price | 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 | No online price | 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 | EQ Insurance | ERGO |
|---|---|---|
| Accident medical expenses | Not included: see the card with medical expenses (Section 3, S$10,000 per accident) | 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: see the card with medical expenses and income (Sections 4 and 5) | Not included in Core Cover (Daily Hospital Income is in Add-on Cover 1, extra premium) |
| Infectious diseases (e.g. dengue) | Not covered (major exclusions: "AIDS, STD and any other Infectious diseases") | 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
- EQ Insurance: none to show
- ERGO: none to show
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is EQ Insurance or ERGO cheaper for personal accident insurance?
Of the 6 examples both price, EQ Insurance was cheaper on 6, ERGO on 0. Your own answers can change the order, so get your own quote.
How does EQ Insurance's cover compare with ERGO's?
On each one's cheapest plan for accountant, S$200,000 cover (EQ Insurance EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000), ERGO ERGO AccidentProtect Essential (S$200,000), Core Cover): Accident medical expenses: EQ Insurance Not included: see the card with medical expenses (Section 3, S$10,000 per accident), 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: EQ Insurance Not included: see the card with medical expenses and income (Sections 4 and 5), ERGO Not included in Core Cover (Daily Hospital Income is in Add-on Cover 1, extra premium); Infectious diseases (e.g. dengue): EQ Insurance Not covered (major exclusions: "AIDS, STD and any other Infectious diseases"), 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: EQ Insurance S$0.00, ERGO S$0.00.
What discounts are EQ Insurance and ERGO running?
EQ Insurance: none to show. ERGO: none to show.