Personal accident insurance
ERGO vs Etiqa personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, ERGO was cheaper on 9, Etiqa on 1. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | ERGO | Etiqa |
|---|---|---|
| Accountant, S$200,000 cover | S$223.00ERGO AccidentProtect Essential (S$200,000), Core Coveras at 19 Oct 2026 | S$264.49Tiq Personal Accident Enhanced Gold (S$300,000)as at 15 Oct 2026code PA35 |
| Sales executive who travels for work, S$100,000 cover | S$160.00ERGO AccidentProtect Basic (S$100,000), Core Coveras at 19 Oct 2026 | S$194.27Tiq Personal Accident Enhanced Silver (S$125,000)as at 15 Oct 2026code PA35 |
| Technician, S$500,000 cover | No online price | S$566.73Tiq Personal Accident Enhanced Platinum (S$500,000)as at 15 Oct 2026code PA35 |
| Class 1 job, S$50,000 cover | S$135.00ERGO AccidentProtect Basic (S$100,000), Core Coveras at 19 Oct 2026 | S$162.75Tiq Personal Accident Enhanced Silver (S$125,000)as at 15 Oct 2026code PA35 |
| Class 2 job, S$50,000 cover | S$160.00ERGO AccidentProtect Basic (S$100,000), Core Coveras at 19 Oct 2026 | S$194.27Tiq Personal Accident Enhanced Silver (S$125,000)as at 15 Oct 2026code PA35 |
| Class 3 job, S$50,000 cover | S$260.00ERGO AccidentProtect Basic (S$100,000), Core Coveras at 19 Oct 2026 | S$194.27Tiq Personal Accident Enhanced Silver (S$125,000)as at 15 Oct 2026code PA35 |
| You and your spouse, S$50,000 cover | 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 | S$309.22Tiq Personal Accident Enhanced Silver, Me and my spouse (S$125,000 each adult)as at 15 Oct 2026code PA35 |
| You and 1 child, S$50,000 cover | 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 | S$216.45Tiq Personal Accident Enhanced Silver, Me and my children (S$125,000)as at 15 Oct 2026code PA35 |
| You and 2 children, S$50,000 cover | 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 | S$270.16Tiq Personal Accident Enhanced Silver, Me and my children (S$125,000)as at 15 Oct 2026code PA35 |
| Family: you, your spouse and 1 child, S$50,000 cover | 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 | S$362.93Tiq Personal Accident Enhanced Silver, My family (S$125,000 each adult)as at 15 Oct 2026code PA35 |
| Family: you, your spouse and 2 children, S$50,000 cover | 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 | S$416.63Tiq Personal Accident Enhanced Silver, My family (S$125,000 each adult)as at 15 Oct 2026code PA35 |
| 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 | ERGO | Etiqa |
|---|---|---|
| Accident medical expenses | 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 | S$1,500 per accident, inpatient and outpatient together (TCM up to S$150 a visit and S$1,000 an accident) |
| Hospital cash | Not included in Core Cover (Daily Hospital Income is in Add-on Cover 1, extra premium) | S$100 a day, up to 180 days |
| Infectious diseases (e.g. dengue) | 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 | 22 infectious diseases including dengue and HFMD: medical expenses S$1,500 |
| 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 ERGO or Etiqa cheaper for personal accident insurance?
Of the 10 examples both price, ERGO was cheaper on 9, Etiqa on 1. Your own answers can change the order, so get your own quote.
How does ERGO's cover compare with Etiqa's?
On each one's cheapest plan for accountant, S$200,000 cover (ERGO ERGO AccidentProtect Essential (S$200,000), Core Cover, Etiqa Tiq Personal Accident Enhanced Gold (S$300,000)): Accident medical expenses: 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, Etiqa S$1,500 per accident, inpatient and outpatient together (TCM up to S$150 a visit and S$1,000 an accident); Hospital cash: ERGO Not included in Core Cover (Daily Hospital Income is in Add-on Cover 1, extra premium), Etiqa S$100 a day, up to 180 days; Infectious diseases (e.g. dengue): 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, Etiqa 22 infectious diseases including dengue and HFMD: medical expenses S$1,500; Excess: ERGO S$0.00, Etiqa S$0.00.
What discounts are ERGO and Etiqa running?
ERGO: none to show. Etiqa: Promo code PA35: 35% off.