Personal accident insurance
ERGO vs Lonpac personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, ERGO was cheaper on 9, Lonpac on 0. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | ERGO | Lonpac |
|---|---|---|
| Accountant, S$200,000 cover | S$223.00ERGO AccidentProtect Essential (S$200,000), Core Coveras at 19 Oct 2026 | S$303.60Personal CarePlus Standard (S$200,000)as at 11 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$171.20Personal CarePlus Basic (S$100,000)as at 11 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$171.20Personal CarePlus Basic (S$100,000)as at 11 Oct 2026 |
| Class 2 job, S$50,000 cover | S$160.00ERGO AccidentProtect Basic (S$100,000), Core Coveras at 19 Oct 2026 | S$171.20Personal CarePlus Basic (S$100,000)as at 11 Oct 2026 |
| Class 3 job, S$50,000 cover | S$260.00ERGO AccidentProtect Basic (S$100,000), Core Coveras at 19 Oct 2026 | No online price |
| 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$325.28Personal CarePlus Basic, me and my spouse (S$100,000 each adult; spouse 10% off)as at 11 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$205.44Personal CarePlus Basic, me and my children (S$100,000; each child S$34.24, up to 3)as at 11 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$239.68Personal CarePlus Basic, me and my children (S$100,000; each child S$34.24, up to 3)as at 11 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$359.52Personal CarePlus Basic, family (S$100,000 each adult, spouse 10% off; each child S$34.24, up to 3)as at 11 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$393.76Personal CarePlus Basic, family (S$100,000 each adult, spouse 10% off; each child S$34.24, up to 3)as at 11 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 | ERGO | Lonpac |
|---|---|---|
| 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 a year (TCM S$100 per treatment, up to S$750 a year) |
| Hospital cash | Not included in Core Cover (Daily Hospital Income is in Add-on Cover 1, extra premium) | S$100 a day, up to 60 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 | Up to S$1,200 for 21 infectious diseases including dengue, Zika, HFMD and MERS; HIV through blood transfusion S$10,000 |
| 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
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is ERGO or Lonpac cheaper for personal accident insurance?
Of the 9 examples both price, ERGO was cheaper on 9, Lonpac on 0. Your own answers can change the order, so get your own quote.
How does ERGO's cover compare with Lonpac's?
On each one's cheapest plan for accountant, S$200,000 cover (ERGO ERGO AccidentProtect Essential (S$200,000), Core Cover, Lonpac Personal CarePlus Standard (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, Lonpac S$6,000 a year (TCM S$100 per treatment, up to S$750 a year); Hospital cash: ERGO Not included in Core Cover (Daily Hospital Income is in Add-on Cover 1, extra premium), Lonpac S$100 a day, up to 60 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, Lonpac Up to S$1,200 for 21 infectious diseases including dengue, Zika, HFMD and MERS; HIV through blood transfusion S$10,000; Excess: ERGO S$0.00, Lonpac S$0.00.
What discounts are ERGO and Lonpac running?
ERGO: none to show. Lonpac: none to show.