Personal accident insurance
ERGO vs Singlife personal accident insurance
As of 12 Nov 2026 (Singapore time)
Of the 10 examples both price, ERGO was cheaper on 10, Singlife on 0. Your own answers can change the order, so get your own quote.
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/compare/pa/ergo-vs-singlife
Personal accident insurance promotions today: Etiqa, 30% off; MSIG, 20% off; HL Assurance, 10% off. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
Lowest price on each example
| Example | ERGO | Singlife |
|---|---|---|
| Accountant, S$200,000 cover | S$223.00ERGO AccidentProtect Essential (S$200,000), Core CoverBuy Nowas at 19 Oct 2026 | S$423.57Personal Accident Standard (S$200,000)Buy Nowas at 5 Oct 2026 |
| Sales executive who travels for work, S$100,000 cover | S$160.00ERGO AccidentProtect Basic (S$100,000), Core CoverBuy Nowas at 19 Oct 2026 | S$285.23Personal Accident Lite (S$100,000)Buy Nowas at 5 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 CoverBuy Nowas at 19 Oct 2026 | S$285.23Personal Accident Lite (S$100,000)Buy Nowas at 5 Oct 2026 |
| Class 2 job, S$50,000 cover | S$160.00ERGO AccidentProtect Basic (S$100,000), Core CoverBuy Nowas at 19 Oct 2026 | S$328.02Personal Accident Lite (S$100,000)Buy Nowas at 5 Oct 2026 |
| Class 3 job, S$50,000 cover | S$260.00ERGO AccidentProtect Basic (S$100,000), Core CoverBuy Nowas at 19 Oct 2026 | S$570.46Personal Accident Lite (S$100,000)Buy Nowas at 5 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)Buy Nowas at 19 Oct 2026 | S$513.43Personal Accident Lite, me and my spouse (S$100,000 each adult)Buy Nowas at 5 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)Buy Nowas at 19 Oct 2026 | S$285.23Personal Accident Lite, me and my children (S$100,000)Buy Nowas at 5 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)Buy Nowas at 19 Oct 2026 | S$285.23Personal Accident Lite, me and my children (S$100,000)Buy Nowas at 5 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)Buy Nowas at 19 Oct 2026 | S$513.43Personal Accident Lite, family (S$100,000 each adult)Buy Nowas at 5 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)Buy Nowas at 19 Oct 2026 | S$513.43Personal Accident Lite, family (S$100,000 each adult)Buy Nowas at 5 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 | Singlife |
|---|---|---|
| Accident medical expenses | S$6,000 per accident or infectious disease, in hospital and out-patient (dental, insect or animal bites and food poisoning capped at 50%, S$3,000; specialist only on a GP referral); TCM and chiropractor up to S$750 a year, S$75 a visit; ambulance and mobility aids after a hospital stay up to S$4,000 a year | S$4,000 per accident for hospital or doctor treatment within 365 days; TCM or chiropractor up to S$750 (S$75 a day) within it; physiotherapy S$2,000 per accident on a doctor's referral, within 90 days |
| Hospital cash | Not included in Core Cover (Daily Hospital Income is in Add-on Cover 1, extra premium) | S$100 a day (each full 24 hours) up to 365 days per accident; ICU S$200 a day up to 30 days |
| Infectious diseases (e.g. dengue) | S$6,000 medical expenses per infectious disease, 22 listed including dengue, HFMD, mumps, rubella, RSV and shingles (15-day waiting period, blood test needed; not once declared an epidemic or pandemic) | Medical expenses for dengue, Zika, insect or animal bites and food poisoning within the medical expenses limit; COVID-19 treatment in Singapore after a 14-day wait |
| 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 quoteBuy Now addresses
Each insurer listed here, at its lowest price on this page.
- ERGO, ERGO AccidentProtect Basic (S$100,000), Core Cover: https://shentonbrokers.com/go/buy/pa/ergo/basic?coverFor=myself&occupation=accountant&sumInsured=50000
Questions people ask
Is ERGO or Singlife cheaper for personal accident insurance?
Of the 10 examples both price, ERGO was cheaper on 10, Singlife on 0. Your own answers can change the order, so get your own quote.
How does ERGO's cover compare with Singlife's?
On each one's cheapest plan for accountant, S$200,000 cover (ERGO ERGO AccidentProtect Essential (S$200,000), Core Cover, Singlife Personal Accident Standard (S$200,000)): Accident medical expenses: ERGO S$6,000 per accident or infectious disease, in hospital and out-patient (dental, insect or animal bites and food poisoning capped at 50%, S$3,000; specialist only on a GP referral); TCM and chiropractor up to S$750 a year, S$75 a visit; ambulance and mobility aids after a hospital stay up to S$4,000 a year, Singlife S$4,000 per accident for hospital or doctor treatment within 365 days; TCM or chiropractor up to S$750 (S$75 a day) within it; physiotherapy S$2,000 per accident on a doctor's referral, within 90 days; Hospital cash: ERGO Not included in Core Cover (Daily Hospital Income is in Add-on Cover 1, extra premium), Singlife S$100 a day (each full 24 hours) up to 365 days per accident; ICU S$200 a day up to 30 days; Infectious diseases (e.g. dengue): ERGO S$6,000 medical expenses per infectious disease, 22 listed including dengue, HFMD, mumps, rubella, RSV and shingles (15-day waiting period, blood test needed; not once declared an epidemic or pandemic), Singlife Medical expenses for dengue, Zika, insect or animal bites and food poisoning within the medical expenses limit; COVID-19 treatment in Singapore after a 14-day wait; Excess: ERGO S$0.00, Singlife S$0.00.
What discounts are ERGO and Singlife running?
ERGO: none to show. Singlife: none to show.