Personal accident insurance
ERGO vs Sompo personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, ERGO was cheaper on 3, Sompo on 7. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | ERGO | Sompo |
|---|---|---|
| Accountant, S$200,000 cover | S$223.00ERGO AccidentProtect Essential (S$200,000), Core Coveras at 19 Oct 2026 | S$316.10PAStar Elite (S$200,000)as at 9 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$154.78PA Ease Plan 2 (S$100,000)as at 9 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$95.92PA Ease Plan 1 (S$50,000)as at 9 Oct 2026 |
| Class 2 job, S$50,000 cover | S$160.00ERGO AccidentProtect Basic (S$100,000), Core Coveras at 19 Oct 2026 | S$95.92PA Ease Plan 1 (S$50,000)as at 9 Oct 2026 |
| Class 3 job, S$50,000 cover | S$260.00ERGO AccidentProtect Basic (S$100,000), Core Coveras at 19 Oct 2026 | S$130.80PA Ease Plan 1 (S$50,000)as at 9 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$191.84PA Ease Plan 1, me and my spouse (S$50,000 each adult)as at 9 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$143.88PA Ease Plan 1, me and my children (S$50,000; each child S$47.96)as at 9 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$191.84PA Ease Plan 1, me and my children (S$50,000; each child S$47.96)as at 9 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$239.80PA Ease Plan 1, family (S$50,000 each adult; each child S$47.96)as at 9 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$287.76PA Ease Plan 1, family (S$50,000 each adult; each child S$47.96)as at 9 Oct 2026 |
| 1 child on their own | No online price | S$152.60PAJunior Bunny (S$10,000 each child; first child S$152.60, then 10% off)as at 9 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 | Sompo |
|---|---|---|
| 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$4,000 per accident; Chinese physician or chiropractor S$100 a visit, S$600 per accident, S$1,200 a year; physiotherapy S$1,500 a year |
| Hospital cash | Not included in Core Cover (Daily Hospital Income is in Add-on Cover 1, extra premium) | S$150 a day, up to 365 days per accident; doubled in ICU |
| 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 | Covered: 24 infectious diseases including dengue, HFMD, Zika and COVID-19 (death and disablement, medical expenses, hospital allowance); 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
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is ERGO or Sompo cheaper for personal accident insurance?
Of the 10 examples both price, ERGO was cheaper on 3, Sompo on 7. Your own answers can change the order, so get your own quote.
How does ERGO's cover compare with Sompo's?
On each one's cheapest plan for accountant, S$200,000 cover (ERGO ERGO AccidentProtect Essential (S$200,000), Core Cover, Sompo PAStar Elite (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, Sompo S$4,000 per accident; Chinese physician or chiropractor S$100 a visit, S$600 per accident, S$1,200 a year; physiotherapy S$1,500 a year; Hospital cash: ERGO Not included in Core Cover (Daily Hospital Income is in Add-on Cover 1, extra premium), Sompo S$150 a day, up to 365 days per accident; doubled in ICU; 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, Sompo Covered: 24 infectious diseases including dengue, HFMD, Zika and COVID-19 (death and disablement, medical expenses, hospital allowance); not while declared an epidemic or pandemic; Excess: ERGO S$0.00, Sompo S$0.00.
What discounts are ERGO and Sompo running?
ERGO: none to show. Sompo: none to show.