Personal accident insurance
ERGO vs India International personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, ERGO was cheaper on 4, India International on 6. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | ERGO | India International |
|---|---|---|
| Accountant, S$200,000 cover | S$223.00ERGO AccidentProtect Essential (S$200,000), Core Coveras at 19 Oct 2026 | S$239.80i-Aid Enhanced (S$200,000)as at 10 Oct 2026 |
| 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$207.10i-Aid Standard (S$100,000)as at 10 Oct 2026 |
| Technician, S$500,000 cover | No online price | No online price |
| Class 1 job, S$50,000 cover | S$135.00ERGO AccidentProtect Basic (S$100,000), Core Coveras at 19 Oct 2026 | S$87.20i-Aid Basic (S$50,000)as at 10 Oct 2026 |
| Class 2 job, S$50,000 cover | S$160.00ERGO AccidentProtect Basic (S$100,000), Core Coveras at 19 Oct 2026 | S$114.45i-Aid Basic (S$50,000)as at 10 Oct 2026 |
| Class 3 job, S$50,000 cover | S$260.00ERGO AccidentProtect Basic (S$100,000), Core Coveras at 19 Oct 2026 | S$147.15i-Aid Basic (S$50,000)as at 10 Oct 2026 |
| 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$174.40i-Aid Basic, me and my spouse (S$50,000 each adult)as at 10 Oct 2026 |
| 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$163.50i-Aid Basic, me and my children (S$50,000; S$10,000 each child)as at 10 Oct 2026 |
| 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$239.80i-Aid Basic, me and my children (S$50,000; S$10,000 each child)as at 10 Oct 2026 |
| 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$250.70i-Aid Basic, family (S$50,000 each adult, S$10,000 each child)as at 10 Oct 2026 |
| 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$327.00i-Aid Basic, family (S$50,000 each adult, S$10,000 each child)as at 10 Oct 2026 |
| 1 child on their own | No online price | S$76.30i-Aid Basic, children only (S$10,000 each child)as at 10 Oct 2026 |
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 | India International |
|---|---|---|
| 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$6,000 any one accident, Chinese medical treatment up to S$1,200 within it |
| Hospital cash | Not included in Core Cover (Daily Hospital Income is in Add-on Cover 1, extra premium) | No hospital cash benefit; childcare or pre-school fees S$150 a day up to 30 days while hospitalised, mobility aid and ambulance S$600, bereavement S$3,000 |
| 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 | Medical expenses for chikungunya, dengue haemorrhagic fever, hand foot and mouth disease, pulmonary tuberculosis and Zika: S$3,000 |
| 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
- ERGO: none to show
- India International: none to show
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is ERGO or India International cheaper for personal accident insurance?
Of the 10 examples both price, ERGO was cheaper on 4, India International on 6. Your own answers can change the order, so get your own quote.
How does ERGO's cover compare with India International's?
On each one's cheapest plan for accountant, S$200,000 cover (ERGO ERGO AccidentProtect Essential (S$200,000), Core Cover, India International i-Aid Enhanced (S$200,000)): 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, India International S$6,000 any one accident, Chinese medical treatment up to S$1,200 within it; Hospital cash: ERGO Not included in Core Cover (Daily Hospital Income is in Add-on Cover 1, extra premium), India International No hospital cash benefit; childcare or pre-school fees S$150 a day up to 30 days while hospitalised, mobility aid and ambulance S$600, bereavement S$3,000; 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, India International Medical expenses for chikungunya, dengue haemorrhagic fever, hand foot and mouth disease, pulmonary tuberculosis and Zika: S$3,000; Excess: ERGO S$0.00, India International S$0.00.
What discounts are ERGO and India International running?
ERGO: none to show. India International: none to show.