Personal accident insurance
ERGO vs China Taiping personal accident insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, ERGO was cheaper on 10, China Taiping on 0. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | ERGO | China Taiping |
|---|---|---|
| Accountant, S$200,000 cover | S$223.00ERGO AccidentProtect Essential (S$200,000), Core Coveras at 19 Oct 2026 | S$308.47Executive (S$200,000)as at 19 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$243.07Economy (S$100,000)as at 19 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$188.57Economy (S$100,000)as at 19 Oct 2026 |
| Class 2 job, S$50,000 cover | S$160.00ERGO AccidentProtect Basic (S$100,000), Core Coveras at 19 Oct 2026 | S$188.57Economy (S$100,000)as at 19 Oct 2026 |
| Class 3 job, S$50,000 cover | S$260.00ERGO AccidentProtect Basic (S$100,000), Core Coveras at 19 Oct 2026 | S$471.97Economy (S$100,000)as at 19 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$407.66Economy, me and my spouse (Family plan: S$100,000 for you, S$50,000 spouse)as at 19 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$407.66Economy, me and my children (Family plan: S$100,000 for you, S$10,000 each child)as at 19 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$407.66Economy, me and my children (Family plan: S$100,000 for you, S$10,000 each child)as at 19 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$407.66Economy, family (Family plan: S$100,000 for you, S$50,000 spouse, S$10,000 each child)as at 19 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$407.66Economy, family (Family plan: S$100,000 for you, S$50,000 spouse, S$10,000 each child)as at 19 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 | China Taiping |
|---|---|---|
| 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$2,000 per accident |
| 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, if hospitalised for more than 24 hours after an accident |
| 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 | S$500 per occurrence if hospitalised for dengue fever, SARS, bird flu (H5N1) or HFMD; COVID-19 medical expenses up to S$500 per policy year (one incident) and a S$10,000 COVID-19 death benefit |
| 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
- China Taiping: 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 China Taiping cheaper for personal accident insurance?
Of the 10 examples both price, ERGO was cheaper on 10, China Taiping on 0. Your own answers can change the order, so get your own quote.
How does ERGO's cover compare with China Taiping's?
On each one's cheapest plan for accountant, S$200,000 cover (ERGO ERGO AccidentProtect Essential (S$200,000), Core Cover, China Taiping Executive (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, China Taiping S$2,000 per accident; Hospital cash: ERGO Not included in Core Cover (Daily Hospital Income is in Add-on Cover 1, extra premium), China Taiping S$150 a day, up to 365 days, if hospitalised for more than 24 hours after an accident; 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, China Taiping S$500 per occurrence if hospitalised for dengue fever, SARS, bird flu (H5N1) or HFMD; COVID-19 medical expenses up to S$500 per policy year (one incident) and a S$10,000 COVID-19 death benefit; Excess: ERGO S$0.00, China Taiping S$0.00.
What discounts are ERGO and China Taiping running?
ERGO: none to show. China Taiping: none to show.