Individual Personal Accident Insurance

ERGO AccidentProtect

ERGO AccidentProtect Individual is a comprehensive yet flexible personal accident insurance plan that offers you 24-hour worldwide protection with a full range of coverage, including accidental medical expenses. It ensures your and your family’s financial security at the hour of need and also provides coverage at various stages of your recovery to minimise the day-to-day disruptions to your life.

Double Indemnity for Accidental Death
ERGO AccidentProtect Individual pays lump-sum cash in the event of Death or Total Permanent Disablement. This benefit doubles if the accident occurs while you are travelling in any public conveyance or as a result of earthquake, cyclone, typhoon, hurricane or flood.

Additional 50% pay-out for Total Permanent Disability
An additional 50% of the Sum Insured is paid in the event of Total Permanent Disablement

Accident Medical Expense Reimbursement
You can now be reimbursed on all your hospitalization fees, any outpatient treatment, treatment by Traditional Chinese Medicine Practitioner for accidents and 20 Specified Infectious Diseases including Dengue Fever, Hand Foot Mouth Disease as well as H1N1, H7N9, Mumps, Rubella and Middle East Respiratory Syndrome (MERS).

We also cover the costs of purchase or rental of Mobility Aid including crutch, wheelchair, hearing aids and artificial limbs prescribed by a Physician.

Weekly Benefit
Loss of income while you are unable to work due to an accident can cause severe financial distress. We will pay a weekly income to replace and mitigate this financial loss for you.

Personal Effects and Belongings
Repair or Replacement costs of your personal effects and belongings damaged beyond repair due to an accident that results in your hospitalisation.

20% Complimentary coverage for unlimited number of children
With you and your spouse covered under the same policy, your children can now be covered for 20% of your plan for no additional costs.

Additional Benefits

  • Daily hospital income
  • Emergency medical evacuation
  • Lifestyle maintenance
  • Compassionate allowance
  • Child support fund
  • Income protection
  • Loan Protector

Special Extensions

  • Accidental dental treatment, insect / animal bites, dengue fever, food & drinks poisoning
  • Infectious diseases
  • Exposure and disappearance
  • Hijack, riot, strike, civil commotion, murder and assault
  • Motorcycling
  • Miscarriage due to accident
  • No claim bonus

Terms and conditions apply.

Choose your benefits and pay only for what you need

ERGO AccidentProtect Individual is a flexible product that gives you the flexibility to choose your preferred benefits and limits according to your needs.

Follow these 2 simple steps to buy a cover of your choice:

STEP 1 Choose a plan under Core Cover





STEP 2 Choose an Add-on Cover

   Add-on Cover 1

   Add-on Cover 2

Get instant quote

Click here to view various plans with complete list of benefits and coverage amounts and premium.

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

ERGO AccidentProtect Individual plan is suitable for you and your family, with the flexibility of 4 different coverage choices and additional benefits that you can choose as per your need.

Eligibility of Cover

– Adults from 16 to 70 years old (age next birthday). Policy renewable up to 75 years old

– Children from 15 days to 18 years old (age next birthday), who are unmarried and unemployed. Policy renewable up to 25 years old if studying full-time in a recognized institution of higher learning

– Singapore citizens, Permanent Residents of Singapore, Employment Pass Holders, Student Pass Holders, Dependant Pass Holders or Work Permit Pass Holders

– Employment Pass Holders, Student Pass Holders, Dependant Pass Holders or Work Permit Pass Holders must supply a copy of their respective pass or work permit and a bona fide residential address in Singapore

– Proposal for children must include at least one parent

– Cover can be extended to a single parent, widow, widower, or divorcee for additional premium of 40%

You can purchase ERGO AccidentProtect Individual via:

  • Our website Buy Now
  • Your preferred Intermediary

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

You can submit your claim via:

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

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