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Personal accident insurance
Does personal accident insurance cover dengue?
As of 28 Oct 2026 (Singapore time)
Often yes, though it is an illness. 18 of the 22 insurers we compare cover dengue on at least one plan, usually medical expenses or a cash payment within a few hundred to S$1,000, after a waiting period of 14 to 30 days. 2 cover accidents only.
The figures
- Insurers compared: 22, with 418 plans between them.
- Insurers with at least one plan that covers it: 18.
- Insurers that sell it as an optional add-on: 1.
- Insurers that exclude it on every plan: 2.
- Insurers whose documents do not say: 1.
- Cheapest plan that covers it, for accountant, S$200,000 cover: ERGO ERGO AccidentProtect Essential (S$200,000), Core Cover, S$223.00.
- Median price among the insurers that cover it, for the same example: S$316.10.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| ERGOYesfrom S$223.00 | Yes | ERGO AccidentProtect Essential (S$200,000), Core Cover24 of its 24 plansInfectious 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$223.00 |
| India InternationalYesfrom S$239.80 | Yes | i-Aid Enhanced (S$200,000)20 of its 20 plansInfectious diseases (e.g. dengue): Medical expenses for chikungunya, dengue haemorrhagic fever, hand foot and mouth disease, pulmonary tuberculosis and Zika: S$3,000 | S$239.80 |
| Tokio MarineYesfrom S$250.70 | Yes | TM 365 Personal Accident Plan C (S$200,000)16 of its 16 plansInfectious diseases (e.g. dengue): Dengue and Zika virus infection covered (brochure); limits not stated | S$250.70 |
| EtiqaYesfrom S$264.49 | Yes | Tiq Personal Accident Enhanced Gold (S$300,000)12 of its 12 plansInfectious diseases (e.g. dengue): 22 infectious diseases including dengue and HFMD: medical expenses S$1,500 | S$264.49 |
| FWDYesfrom S$283.84 | Yes | FWD Life PA S$200,000 (Plan B)24 of its 24 plansInfectious diseases: 24 infectious diseases including dengue, HFMD and Zika, and food poisoning, treated as accidents for the death and disability and medical expenses benefits (14-day waiting period) | S$283.84 |
| LonpacYesfrom S$303.60 | Yes | Personal CarePlus Standard (S$200,000)12 of its 12 plansInfectious diseases (e.g. dengue): Up to S$1,200 for 21 infectious diseases including dengue, Zika, HFMD and MERS; HIV through blood transfusion S$10,000 | S$303.60 |
| AIGYesfrom S$305.20 | Yes | Sapphire Enhanced Choices Preferred, Basic package (S$200,000)32 of its 32 plansInfectious diseases (e.g. dengue): Dengue and other insect or animal bites and food poisoning are covered as accidents; the Infectious Disease Recovery Cover is in the Comprehensive package only | S$305.20 |
| China TaipingYesfrom S$308.47 | Yes | Executive (S$200,000)16 of its 16 plansInfectious diseases: 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 | S$308.47 |
| SompoYesfrom S$316.10 | Yes | PAStar Elite (S$200,000)26 of its 27 plansInfectious diseases (e.g. dengue): 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 | S$316.10 |
| MSIGYesfrom S$322.73 | Yes | PA RecoveryPlus Gold (S$200,000)12 of its 30 plansInfectious disease: Hospital income for dengue, food poisoning and hand, foot and mouth disease only | S$322.73 |
| QBEYesfrom S$337.90 | Yes | PA Prestige Plan B (S$200,000)16 of its 16 plansInfectious diseases (e.g. dengue): Dengue fever and Zika virus, and medical expenses due to infectious disease, are extensions under the basic cover (limits not stated in the brochure) | S$337.90 |
| AllianzYesfrom S$378.94 | Yes | Accident Protect Plus Gold (S$250,000)12 of its 12 plansInfectious diseases (e.g. dengue): S$200 lump sum per diagnosis event for 27 listed infectious diseases including dengue, hand foot and mouth disease, Zika, malaria and measles (30-day waiting period) | S$378.94 |
| LibertyYesfrom S$389.13 | Yes | PACare Plus Enhanced Executive (S$200,000)20 of its 20 plansInfectious diseases (e.g. dengue): Medical expenses for infectious diseases within the S$5,000 medical limit; insect and animal bites and food poisoning extensions | S$389.13 |
| IncomeYesfrom S$409.84 | Yes | PA Assurance Classic with infectious disease cover (S$200,000)19 of its 38 plansInfectious diseases: Covered for 26 infectious diseases including dengue, HFMD and Zika: death benefit S$200,000, with the plan's medical, hospital income and weekly benefits for each disease (not a disease declared an epidemic in Singapore or a pandemic by the WHO, nor the first 14 days of cover) | S$409.84 |
| SinglifeYesfrom S$423.57 | Yes | Personal Accident Standard (S$200,000)12 of its 12 plansInfectious diseases (e.g. dengue): 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 | S$423.57 |
| HL AssuranceYesfrom S$495.96 | Yes | Family Protect360 Premier (S$250,000 an adult)16 of its 16 plansInfectious diseases (e.g. dengue): Covered: medical expenses for 20 named infectious diseases including dengue fever, hand, foot and mouth disease, Zika and malaria, within the S$2,500 medical limit, after a 14-day waiting period; cover ceases once an epidemic or pandemic is declared | S$495.96 |
| HSBC LifeYesfrom S$1,049.56 | Yes | HSBC Life Band Aid Package 3 (S$500,000) with all 6 optional benefits6 of its 16 plansInfectious diseases (e.g. HFMD): S$900 a year of medical expenses for diseases such as hand-foot-and-mouth disease, for 12 months from diagnosis; dengue not named | S$1,049.56 |
| ChubbYes | Yes | DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)10 of its 10 plansInfectious diseases (e.g. dengue): Covered: S$100 a day (up to 60 days) in hospital for dengue fever, dengue haemorrhagic fever, food poisoning or HFMD | – |
| UOIOptional add-onfrom S$218.76 | Optional add-on | UniPA Plus (S$200,000)9 of its 9 plansInfectious diseases (e.g. dengue): Optional add-on (extra premium): listed infectious diseases extended to medical expenses, ambulance and cash support | S$218.76 |
| EQ InsuranceNofrom S$174.40 | No | EQ Personal Accident, death and permanent disablement (the sum you choose, S$50,000 to S$500,000)22 of its 22 plansInfectious diseases (e.g. dengue): Not covered (major exclusions: "AIDS, STD and any other Infectious diseases") | S$174.40 |
| Great EasternNofrom S$283.40 | No | PA Supreme Plan B (S$200,000)16 of its 16 plansInfectious diseases (e.g. dengue): Not covered (communicable diseases are a general exclusion) | S$283.40 |
| Great AmericanNot statedfrom S$224.14 | Not stated | Great Personal Accident Insurance Elite (S$200,000) Basic18 of its 18 plansInfectious disease: Not stated: the pamphlet names no dengue, Zika or other infectious disease benefit (AIDS and HIV-related disease are excluded) | S$224.14 |
All prices include 9% GST. A dash means the plan has no price for this example. Each insurer's policy wording is the final word on what is covered.
See every insurer's price for your own answers, with each plan's cover side by side.
Compare personal accident insuranceQuestions people ask
Does personal accident insurance cover dengue?
Often yes, though it is an illness. 18 of the 22 insurers we compare cover dengue on at least one plan, usually medical expenses or a cash payment within a few hundred to S$1,000, after a waiting period of 14 to 30 days. 2 cover accidents only.
Where do these answers come from?
From each insurer's own policy documents: the benefit table and exclusions of every live plan we compare, 418 plans from 22 insurers. The policy wording is the final word on what is covered.
Which plan is cheapest?
For accountant, S$200,000 cover, ERGO ERGO AccidentProtect Essential (S$200,000), Core Cover is the cheapest plan that covers it, at S$223.00 today, GST included. The median of each insurer's lowest price is S$316.10.