Group Personal Accident Insurance

ERGO AccidentProtect Group

In an increasingly competitive business environment, every organisation needs to prepare for the unexpected. It applies not just to the area you operate in, but also to your employees. Should your employee be involved in an accident, the individual’s daily routine could be severely disrupted – possibly for life.

ERGO’s Personal Accident Group Policy is designed to empower your company with a choice of comprehensive insurance plans that provide powerful incentives for you and peace of mind for your employees.

With AccidentProtect Group, you can choose the benefits you want for each class of employee. This can either be a flat amount or a multiple of the employee’s salary.

AccidentProtect Group provides your employees with 24-hour worldwide coverage for death or disability up to the age of 75 without any medical examination requirements at the point of application.

With AccidentProtect Group, employers can select from some of the broadest and most flexible range of benefits available at highly competitive rates. Some of the key features of AccidentProtect Group are:

  1. Named/Un-Named: Policy based on ýour company’s requirements for easy policy administration.
  2. 24/7 worldwide coverage.
  3. The sum insured is based on salary or category, as per your company’s requirements.
  4. The Policy can be tailored to your requirements as per your choice of benefits in combination with Accidental Death benefit
Feature Benefits Summary*
Accidental death cover Cover for accidental death as a result of an injury suffered from an accident
Capital benefits cover Lump sum benefits for listed disablements resulting from an injury suffered from an accident
Accident medical reimbursement Cover for Medical Expenses paid to a Physician(s) for treatment provided as a result of an injury
Weekly injury benefits Loss of income cover as a result of temporary or partial disablement as a result of an injury suffered from an accident
Emergency medical evacuation Arrangement for the Emergency Medical Evacuation utilising the means best suited to do so, based on the medical severity of the Insured Person’s condition in case of an injury suffered from an accident
Repatriation expenses Return of the Insured Persons mortal remains to the place of residence of place of regular employment in case of accidental death as a result of an injury suffered from an accident
* This is a summary only. Please refer to the policy wording.
ERGO is continuously working towards product innovation and value creation for its clients.

Our Group Personal Accident policy is an excellent combination of employee-centric benefits with superior underwriting expertise and a highly efficient claims service for companies and organisations of any size.

With the AccidentProtect Group policy, your employees are more confident and productive knowing they have extensive personal accident insurance coverage against accidental death or injury.

  1. Customised insurance
  2. Solutions for a wide variety of industries
  3. Comprehensive coverage
  4. Our assured service

Click here to view the table of benefits.

Please call (65) 6829 9199 to learn more about AccidentProtect Group.

There are certain conditions whereby the benefits under this plan will not be payable. These are stated as exclusions in the policy contract. You are advised to refer to the policy contract for the full list of exclusions.

  1. Suicide or self-inflicted injuries, while sane or insane
  2. Insurrection, war declared or undeclared
  3. Strike, riot or civil commotion
  4. Committing an assault or felony
  5. Racing on wheels or boats
  6. Use of Chemical, Nuclear and Biological weapons

AccidentProtect Group suits your business. There are very few occupations and business types we are unable to consider. They are:

Class 1: White collar occupations that involve no manual work and some very light physical work such as accountant, lawyer, banker, doctor, teacher, nurse, secretary, etc.

Class 2: Light blue collar occupations that involve light manual work such as the supervision of manual workers, totally administrative job in an industrial environment, professions of an outdoor nature, work involving overseas travel or work involving the occasional use of tools or machinery, such as foreman, grocer, hairdresser, salesman, tailor, surveyor, tour guide, etc.

 Class 3: Medium blue collar occupations that involve manual work in non-hazardous industries and are wholly involved in manual duties. Examples are professions involving the use of tools or machinery such as a carpenter, builder, painter, driver, technician, hawker, unarmed security guard, etc.

 Class 4: Heavy blue collar occupations that involve heavy manual work in a hazardous industry. Examples are full-time national serviceman, fireman, policeman, armed security guard and woodworking machinist, etc.

Premium rates differ according to the different occupational class of your employees.

AccidentProtect Group is available for most industries and is flexible enough to cover every class of employee from the general staff to the chief executive.

You can buy AccidentProtect Group by contacting your preferred intermediary.

Alternatively, you can contact us at: +65 68299199 (within Singapore)

This insurance plan is underwritten by ERGO Insurance Pte. Ltd. The information published on this website is for general information only and is not a contract of insurance. The accurate terms and conditions and exclusions applicable to the insurance are specified in the policy contract. Product brochures for the insurance plans are  available and may be obtained from this website or ERGO Insurance Pte. Ltd. and its authorised intermediaries. Before deciding whether to purchase the plan, you should read the product summary and understand the terms of coverage.

You may wish to seek advice from a qualified insurance adviser to understand the terms of cover before buying an insurance plan. In the event that you choose not to seek advice from a qualified insurance adviser, you should consider whether the plan is suitable for you.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you.
For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact ERGO Insurance Pte. Ltd. or visit the GIA or SDIC web-sites ( or

For enquiries

Phone: +65 6829 9199/ +65 98276193 (office hours)
Fax: +65 6829 9247

Claims Service: (+65) 6829 9195 (Monday – Friday, excluding public holidays: 8.30 AM to 5.30 PM)
Claims Fax: (+65) 6829 9247
Claims Email: