ERGO vs HL Assurance travel insurance

Of the 12 examples both price, ERGO was cheaper on 0, HL Assurance on 12. Your own answers can change the order, so get your own quote.

On each one's cheapest plan for one week in Thailand, one adult (ERGO ERGO TravelProtect Essential, HL Assurance Travel Assured Plus Basic (no COVID-19 cover)): Overseas medical expenses: ERGO S$200,000 (S$100,000 above age 70) per person, HL Assurance S$150,000 overseas (age 70 and below; S$50,000 above 70; child S$100,000); medical expenses in Singapore S$10,000; no COVID-19 cover; Trip cancellation: ERGO S$10,000 per person, HL Assurance S$5,000; Baggage and personal belongings: ERGO S$3,000 per person, HL Assurance S$3,000 (delayed baggage S$100 every 6 hours up to S$800); COVID-19: ERGO Included: Part 39 of the wording extends every section of the policy to losses arising from COVID-19 (medical, evacuation, and trip cancellation, postponement and curtailment where it causes death or serious sickness); no cover for mandatory COVID-19 tests for the trip, for border closures, travel advisories or disinclination to travel, for a diagnosis or exposure known when the policy was bought, or for post-trip medical expenses in Singapore, HL Assurance Not covered; Excess: ERGO S$0.00, HL Assurance S$0.00.

ERGO: none to show. HL Assurance: 60% off; 50% off.