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Personal accident insurance

How ERGO prices personal accident insurance

Priced online

What the figures include

The table's figures already include 9% GST.

Prices from this table are as at 19 Oct 2026, the day we read ERGO's published rates.

It does not cover these jobs online: Army, navy or air force (regular); Full-time national serviceman (NSF); Police officer; Police, SAF or civil defence (office or admin work only).

A plan's premium is its base figure, times each factor that applies, plus any additions. It is never below the plan's minimum. Version 7, live since 25 Oct 2026.

Plans and how each is priced

ERGO AccidentProtect Basic (S$100,000), Core Cover

Offered when Who is covered is One adult; Sum insured is S$50,000, S$100,000; Occupation class up to Class 3

Base premium
Occupation classFigure
Class 1S$135.00
Class 2S$160.00
Class 3S$260.00
Multiplied by
AgeFigure
Up to 63×1.00

Excess None

ERGO AccidentProtect Basic (S$100,000), Core Cover + Add-on Cover 1

Offered when Who is covered is One adult; Sum insured is S$50,000, S$100,000; Occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$135.00
Class 2S$160.00
Multiplied by
AgeFigure
Up to 63×1.00
Plus
Occupation classFigure
Class 1S$36.00
Class 2S$37.00

Excess None

ERGO AccidentProtect Essential (S$200,000), Core Cover

Offered when Who is covered is One adult; Sum insured is S$200,000; Occupation class up to Class 3

Base premium
Occupation classFigure
Class 1S$223.00
Class 2S$234.00
Class 3S$433.00
Multiplied by
AgeFigure
Up to 63×1.00

Excess None

ERGO AccidentProtect Essential (S$200,000), Core Cover + Add-on Cover 1

Offered when Who is covered is One adult; Sum insured is S$200,000; Occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$223.00
Class 2S$234.00
Multiplied by
AgeFigure
Up to 63×1.00
Plus
Occupation classFigure
Class 1S$72.00
Class 2S$76.00

Excess None

ERGO AccidentProtect Deluxe (S$500,000), Core Cover

Offered when Who is covered is One adult; Sum insured is S$500,000; Occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$580.00
Class 2S$650.00
Multiplied by
AgeFigure
Up to 63×1.00

Excess None

ERGO AccidentProtect Deluxe (S$500,000), Core Cover + Add-on Cover 1

Offered when Who is covered is One adult; Sum insured is S$500,000; Occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$580.00
Class 2S$650.00
Multiplied by
AgeFigure
Up to 63×1.00
Plus
Occupation classFigure
Class 1S$108.00
Class 2S$114.00

Excess None

ERGO AccidentProtect Basic (S$100,000), Core Cover, me and my spouse (each adult on their own class)

Offered when Who is covered is Two adults; Sum insured is S$50,000, S$100,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3

Base premium
Occupation classFigure
Class 1S$135.00
Class 2S$160.00
Class 3S$260.00
Multiplied by
AgeFigure
Up to 63×1.00
Plus
Spouse's occupation classFigure
Class 1S$135.00
Class 2S$160.00
Class 3S$260.00

Excess None

ERGO AccidentProtect Basic (S$100,000), Core Cover + Add-on Cover 1, me and my spouse (each adult on their own class)

Offered when Who is covered is Two adults; Sum insured is S$50,000, S$100,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$135.00
Class 2S$160.00
Multiplied by
AgeFigure
Up to 63×1.00
Plus (1 of 3)
Occupation classFigure
Class 1S$36.00
Class 2S$37.00
Plus (2 of 3)
Spouse's occupation classFigure
Class 1S$135.00
Class 2S$160.00
Plus (3 of 3)
Spouse's occupation classFigure
Class 1S$36.00
Class 2S$37.00

Excess None

ERGO AccidentProtect Essential (S$200,000), Core Cover, me and my spouse (each adult on their own class)

Offered when Who is covered is Two adults; Sum insured is S$200,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3

Base premium
Occupation classFigure
Class 1S$223.00
Class 2S$234.00
Class 3S$433.00
Multiplied by
AgeFigure
Up to 63×1.00
Plus
Spouse's occupation classFigure
Class 1S$223.00
Class 2S$234.00
Class 3S$433.00

Excess None

ERGO AccidentProtect Essential (S$200,000), Core Cover + Add-on Cover 1, me and my spouse (each adult on their own class)

Offered when Who is covered is Two adults; Sum insured is S$200,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$223.00
Class 2S$234.00
Multiplied by
AgeFigure
Up to 63×1.00
Plus (1 of 3)
Occupation classFigure
Class 1S$72.00
Class 2S$76.00
Plus (2 of 3)
Spouse's occupation classFigure
Class 1S$223.00
Class 2S$234.00
Plus (3 of 3)
Spouse's occupation classFigure
Class 1S$72.00
Class 2S$76.00

Excess None

ERGO AccidentProtect Deluxe (S$500,000), Core Cover, me and my spouse (each adult on their own class)

Offered when Who is covered is Two adults; Sum insured is S$500,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$580.00
Class 2S$650.00
Multiplied by
AgeFigure
Up to 63×1.00
Plus
Spouse's occupation classFigure
Class 1S$580.00
Class 2S$650.00

Excess None

ERGO AccidentProtect Deluxe (S$500,000), Core Cover + Add-on Cover 1, me and my spouse (each adult on their own class)

Offered when Who is covered is Two adults; Sum insured is S$500,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$580.00
Class 2S$650.00
Multiplied by
AgeFigure
Up to 63×1.00
Plus (1 of 3)
Occupation classFigure
Class 1S$108.00
Class 2S$114.00
Plus (2 of 3)
Spouse's occupation classFigure
Class 1S$580.00
Class 2S$650.00
Plus (3 of 3)
Spouse's occupation classFigure
Class 1S$108.00
Class 2S$114.00

Excess None

ERGO AccidentProtect Basic (S$100,000), Core Cover, family (each adult on their own class; children free at 20% of the cover)

Offered when Who is covered is Two adults and children; Sum insured is S$50,000, S$100,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3

Base premium
Occupation classFigure
Class 1S$135.00
Class 2S$160.00
Class 3S$260.00
Multiplied by
AgeFigure
Up to 63×1.00
Plus
Spouse's occupation classFigure
Class 1S$135.00
Class 2S$160.00
Class 3S$260.00

Excess None

ERGO AccidentProtect Basic (S$100,000), Core Cover + Add-on Cover 1, family (each adult on their own class; children free at 20% of the cover)

Offered when Who is covered is Two adults and children; Sum insured is S$50,000, S$100,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$135.00
Class 2S$160.00
Multiplied by
AgeFigure
Up to 63×1.00
Plus (1 of 3)
Occupation classFigure
Class 1S$36.00
Class 2S$37.00
Plus (2 of 3)
Spouse's occupation classFigure
Class 1S$135.00
Class 2S$160.00
Plus (3 of 3)
Spouse's occupation classFigure
Class 1S$36.00
Class 2S$37.00

Excess None

ERGO AccidentProtect Essential (S$200,000), Core Cover, family (each adult on their own class; children free at 20% of the cover)

Offered when Who is covered is Two adults and children; Sum insured is S$200,000; Occupation class up to Class 3; Spouse's occupation class up to Class 3

Base premium
Occupation classFigure
Class 1S$223.00
Class 2S$234.00
Class 3S$433.00
Multiplied by
AgeFigure
Up to 63×1.00
Plus
Spouse's occupation classFigure
Class 1S$223.00
Class 2S$234.00
Class 3S$433.00

Excess None

ERGO AccidentProtect Essential (S$200,000), Core Cover + Add-on Cover 1, family (each adult on their own class; children free at 20% of the cover)

Offered when Who is covered is Two adults and children; Sum insured is S$200,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$223.00
Class 2S$234.00
Multiplied by
AgeFigure
Up to 63×1.00
Plus (1 of 3)
Occupation classFigure
Class 1S$72.00
Class 2S$76.00
Plus (2 of 3)
Spouse's occupation classFigure
Class 1S$223.00
Class 2S$234.00
Plus (3 of 3)
Spouse's occupation classFigure
Class 1S$72.00
Class 2S$76.00

Excess None

ERGO AccidentProtect Deluxe (S$500,000), Core Cover, family (each adult on their own class; children free at 20% of the cover)

Offered when Who is covered is Two adults and children; Sum insured is S$500,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$580.00
Class 2S$650.00
Multiplied by
AgeFigure
Up to 63×1.00
Plus
Spouse's occupation classFigure
Class 1S$580.00
Class 2S$650.00

Excess None

ERGO AccidentProtect Deluxe (S$500,000), Core Cover + Add-on Cover 1, family (each adult on their own class; children free at 20% of the cover)

Offered when Who is covered is Two adults and children; Sum insured is S$500,000; Occupation class up to Class 2; Spouse's occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$580.00
Class 2S$650.00
Multiplied by
AgeFigure
Up to 63×1.00
Plus (1 of 3)
Occupation classFigure
Class 1S$108.00
Class 2S$114.00
Plus (2 of 3)
Spouse's occupation classFigure
Class 1S$580.00
Class 2S$650.00
Plus (3 of 3)
Spouse's occupation classFigure
Class 1S$108.00
Class 2S$114.00

Excess None

ERGO AccidentProtect Basic (S$100,000), Core Cover, me and my children (core premium plus 40%; children at 20% of the cover)

Offered when Who is covered is One adult and children; Sum insured is S$50,000, S$100,000; Occupation class up to Class 3

Base premium
Occupation classFigure
Class 1S$189.00
Class 2S$224.00
Class 3S$364.00
Multiplied by
AgeFigure
Up to 63×1.00

Excess None

ERGO AccidentProtect Basic (S$100,000), Core Cover + Add-on Cover 1, me and my children (core premium plus 40%; children at 20% of the cover)

Offered when Who is covered is One adult and children; Sum insured is S$50,000, S$100,000; Occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$189.00
Class 2S$224.00
Multiplied by
AgeFigure
Up to 63×1.00
Plus
Occupation classFigure
Class 1S$36.00
Class 2S$37.00

Excess None

ERGO AccidentProtect Essential (S$200,000), Core Cover, me and my children (core premium plus 40%; children at 20% of the cover)

Offered when Who is covered is One adult and children; Sum insured is S$200,000; Occupation class up to Class 3

Base premium
Occupation classFigure
Class 1S$312.20
Class 2S$327.60
Class 3S$606.20
Multiplied by
AgeFigure
Up to 63×1.00

Excess None

ERGO AccidentProtect Essential (S$200,000), Core Cover + Add-on Cover 1, me and my children (core premium plus 40%; children at 20% of the cover)

Offered when Who is covered is One adult and children; Sum insured is S$200,000; Occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$312.20
Class 2S$327.60
Multiplied by
AgeFigure
Up to 63×1.00
Plus
Occupation classFigure
Class 1S$72.00
Class 2S$76.00

Excess None

ERGO AccidentProtect Deluxe (S$500,000), Core Cover, me and my children (core premium plus 40%; children at 20% of the cover)

Offered when Who is covered is One adult and children; Sum insured is S$500,000; Occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$812.00
Class 2S$910.00
Multiplied by
AgeFigure
Up to 63×1.00

Excess None

ERGO AccidentProtect Deluxe (S$500,000), Core Cover + Add-on Cover 1, me and my children (core premium plus 40%; children at 20% of the cover)

Offered when Who is covered is One adult and children; Sum insured is S$500,000; Occupation class up to Class 2

Base premium
Occupation classFigure
Class 1S$812.00
Class 2S$910.00
Multiplied by
AgeFigure
Up to 63×1.00
Plus
Occupation classFigure
Class 1S$108.00
Class 2S$114.00

Excess None

Worked examples

We check the table against these cases before it goes live. Each one matches the insurer's own price to the cent. The working shows where each figure comes from and the sums that give the premium.

ExampleAnswersWorkingPremium
Core, Class I, S$100,000, age 30ERGO AccidentProtect Basic (S$100,000), Core Cover
  • Age: 30
  • Who is covered: One adult
  • Sum insured: S$100,000
  • Occupation class: Class 1
  1. Base S$135.00 (Occupation class Class 1)
  2. × 1.00 (Age Up to 63) = S$135.00
  3. GST is included: S$135.00
S$135.00
Core, Class II, S$200,000, age 18ERGO AccidentProtect Essential (S$200,000), Core Cover
  • Age: 18
  • Who is covered: One adult
  • Sum insured: S$200,000
  • Occupation class: Class 2
  1. Base S$234.00 (Occupation class Class 2)
  2. × 1.00 (Age Up to 63) = S$234.00
  3. GST is included: S$234.00
S$234.00
Core, Class I, S$500,000, age 63ERGO AccidentProtect Deluxe (S$500,000), Core Cover
  • Age: 63
  • Who is covered: One adult
  • Sum insured: S$500,000
  • Occupation class: Class 1
  1. Base S$580.00 (Occupation class Class 1)
  2. × 1.00 (Age Up to 63) = S$580.00
  3. GST is included: S$580.00
S$580.00
Core + Add-on 1, Class II, S$500,000, age 45ERGO AccidentProtect Deluxe (S$500,000), Core Cover + Add-on Cover 1
  • Age: 45
  • Who is covered: One adult
  • Sum insured: S$500,000
  • Occupation class: Class 2
  1. Base S$650.00 (Occupation class Class 2)
  2. × 1.00 (Age Up to 63) = S$650.00
  3. + S$114.00 (Occupation class Class 2) = S$764.00
  4. GST is included: S$764.00
S$764.00
Core + Add-on 1, Class I, S$200,000, age 50ERGO AccidentProtect Essential (S$200,000), Core Cover + Add-on Cover 1
  • Age: 50
  • Who is covered: One adult
  • Sum insured: S$200,000
  • Occupation class: Class 1
  1. Base S$223.00 (Occupation class Class 1)
  2. × 1.00 (Age Up to 63) = S$223.00
  3. + S$72.00 (Occupation class Class 1) = S$295.00
  4. GST is included: S$295.00
S$295.00
Core, Class III, S$50,000 asked (Basic; app 260)ERGO AccidentProtect Basic (S$100,000), Core Cover
  • Age: 30
  • Who is covered: One adult
  • Sum insured: S$50,000
  • Occupation class: Class 3
  1. Base S$260.00 (Occupation class Class 3)
  2. × 1.00 (Age Up to 63) = S$260.00
  3. GST is included: S$260.00
S$260.00
Show the other 8 examples
ExampleAnswersWorkingPremium
Core, Class III, S$200,000 (Essential; app 433)ERGO AccidentProtect Essential (S$200,000), Core Cover
  • Age: 30
  • Who is covered: One adult
  • Sum insured: S$200,000
  • Occupation class: Class 3
  1. Base S$433.00 (Occupation class Class 3)
  2. × 1.00 (Age Up to 63) = S$433.00
  3. GST is included: S$433.00
S$433.00
Single parent, Class III, 2 children, S$200,000 (app 1.4 x 433 = 606.20)ERGO AccidentProtect Essential (S$200,000), Core Cover, me and my children (core premium plus 40%; children at 20% of the cover)
  • Age: 30
  • Who is covered: One adult and children
  • Sum insured: S$200,000
  • Occupation class: Class 3
  1. Base S$606.20 (Occupation class Class 3)
  2. × 1.00 (Age Up to 63) = S$606.20
  3. GST is included: S$606.20
S$606.20
Single parent, Class II, 2 children, Essential + Add-on 1 (app 1.4 x 234 + 76 = 403.60)ERGO AccidentProtect Essential (S$200,000), Core Cover + Add-on Cover 1, me and my children (core premium plus 40%; children at 20% of the cover)
  • Age: 30
  • Who is covered: One adult and children
  • Sum insured: S$200,000
  • Occupation class: Class 2
  1. Base S$327.60 (Occupation class Class 2)
  2. × 1.00 (Age Up to 63) = S$327.60
  3. + S$76.00 (Occupation class Class 2) = S$403.60
  4. GST is included: S$403.60
S$403.60
Me and my spouse, Class I and Class III, S$100,000 (135 + 260 per insured person)ERGO AccidentProtect Basic (S$100,000), Core Cover, me and my spouse (each adult on their own class)
  • Age: 30
  • Who is covered: Two adults
  • Sum insured: S$100,000
  • Occupation class: Class 1
  • Spouse's occupation class: Class 3
  1. Base S$135.00 (Occupation class Class 1)
  2. × 1.00 (Age Up to 63) = S$135.00
  3. + S$260.00 (Spouse's occupation class Class 3) = S$395.00
  4. GST is included: S$395.00
S$395.00
Family, Class II and Class I, 3 children, Deluxe + Add-on 1 ((650 + 114) + (580 + 108); children free)ERGO AccidentProtect Deluxe (S$500,000), Core Cover + Add-on Cover 1, family (each adult on their own class; children free at 20% of the cover)
  • Age: 30
  • Who is covered: Two adults and children
  • Sum insured: S$500,000
  • Occupation class: Class 2
  • Spouse's occupation class: Class 1
  1. Base S$650.00 (Occupation class Class 2)
  2. × 1.00 (Age Up to 63) = S$650.00
  3. + S$114.00 (Occupation class Class 2) = S$764.00
  4. + S$580.00 (Spouse's occupation class Class 1) = S$1,344.00
  5. + S$108.00 (Spouse's occupation class Class 1) = S$1,452.00
  6. GST is included: S$1,452.00
S$1,452.00
Family, Class I and Class II, 2 children, Essential + Add-on 1 (app 605 after the personal-details step)ERGO AccidentProtect Essential (S$200,000), Core Cover + Add-on Cover 1, family (each adult on their own class; children free at 20% of the cover)
  • Age: 30
  • Who is covered: Two adults and children
  • Sum insured: S$200,000
  • Occupation class: Class 1
  • Spouse's occupation class: Class 2
  1. Base S$223.00 (Occupation class Class 1)
  2. × 1.00 (Age Up to 63) = S$223.00
  3. + S$72.00 (Occupation class Class 1) = S$295.00
  4. + S$234.00 (Spouse's occupation class Class 2) = S$529.00
  5. + S$76.00 (Spouse's occupation class Class 2) = S$605.00
  6. GST is included: S$605.00
S$605.00
Me and my spouse, both Class III, S$200,000 (app 866 = 433 + 433)ERGO AccidentProtect Essential (S$200,000), Core Cover, me and my spouse (each adult on their own class)
  • Age: 30
  • Who is covered: Two adults
  • Sum insured: S$200,000
  • Occupation class: Class 3
  • Spouse's occupation class: Class 3
  1. Base S$433.00 (Occupation class Class 3)
  2. × 1.00 (Age Up to 63) = S$433.00
  3. + S$433.00 (Spouse's occupation class Class 3) = S$866.00
  4. GST is included: S$866.00
S$866.00
Family, Class II and Class III, 2 children, S$100,000 (app 420 = 160 + 260)ERGO AccidentProtect Basic (S$100,000), Core Cover, family (each adult on their own class; children free at 20% of the cover)
  • Age: 30
  • Who is covered: Two adults and children
  • Sum insured: S$100,000
  • Occupation class: Class 2
  • Spouse's occupation class: Class 3
  1. Base S$160.00 (Occupation class Class 2)
  2. × 1.00 (Age Up to 63) = S$160.00
  3. + S$260.00 (Spouse's occupation class Class 3) = S$420.00
  4. GST is included: S$420.00
S$420.00

Where the figures come from

Plus 3 files of saved quotes, data and screenshots from ERGO's online quote tool, kept with the table.

Before going live the table was read from the published table and checked against the insurer's own online quotes.

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