ERGO Insurance Singapore Insurance Plans Available

ERGO Insurance Singapore – My In-Depth Look at Their Insurance Products for Individuals & Businesses

In Singapore’s insurance landscape, ERGO Insurance Pte. Ltd. might not be the loudest name, but it’s one of the most quietly reliable ones. Backed by ERGO Group AG, one of the major insurance groups in Europe and part of the Munich Re Group, ERGO Singapore offers a focused range of general insurance products for both individuals and businesses.

What I like about ERGO is their approach: simple, efficient, and customer-first. While they don't offer the widest variety of products, the ones they do are tailored, practical, and easy to understand. Whether you're an individual looking for personal cover or a business owner managing operational risk, ERGO has solutions that are built to serve real needs—not just marketing.

Here’s a complete breakdown of all the major insurance plans offered by ERGO Singapore:

🚗 1. Motor Insurance – Basic Yet Flexible Vehicle Coverage

✅ Private Car Insurance

• Covers:

  • Accidental damage

  • Theft and fire

  • Third-party injury and property damage

  • Towing and roadside assistance

• Optional add-ons:

  • Loss of use (courtesy car)

  • No Claim Discount (NCD) Protector

  • Windscreen repair coverage

Why it's good: Great for drivers who want affordable yet sufficient protection, backed by quick claims processing.

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✈️ 2. Travel Insurance – Dependable Plans for Local and Global Trips

✅ TravelProtect Insurance (Single Trip & Annual Multi-Trip)

• Covers:

  • Emergency medical expenses overseas

  • Personal accident during travel

  • Trip cancellation or curtailment

  • Baggage loss and flight delays

  • Emergency evacuation and repatriation

• COVID-19 optional rider available

Who it suits: Casual and frequent travellers who want a straightforward travel plan without inflated premiums.

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🏠 3. Home Insurance – Property and Renovation Protection

✅ HomeProtect Insurance

• Covers:

  • Household contents and renovations

  • Fire, theft, burst pipes, and flood damage

  • Alternative accommodation

  • Personal legal liability

Ideal for: HDB and private homeowners looking for cost-effective property coverage without overpaying.

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🧑‍⚕️ 4. Personal Accident Insurance – 24/7 Worldwide Cover

✅ PersonalProtect Insurance

• 24-hour protection worldwide

• Covers:

  • Accidental death and permanent disability

  • Medical reimbursement

  • Daily hospital income

  • Optional add-ons for critical illness or family coverage

Why I like it: This plan is especially helpful for freelancers, gig workers, and self-employed individuals needing affordable protection without health underwriting.

🧳 5. Maid Insurance – For Domestic Helper Coverage

✅ ERGO Maid Insurance

• MOM-compliant with guaranteed letter to MOM

• Covers:

  • Personal accident and medical expenses

  • Hospitalisation and surgical benefits

  • Repatriation expenses

  • Wage compensation

• Optional add-ons:

  • Theft by helper

  • Replacement maid expenses

Perfect for: Employers seeking trusted, compliant, and affordable insurance for their domestic helpers.

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🏢 6. Commercial Insurance – Tailored Business Protection for SMEs and Corporations

ERGO Singapore offers a strong set of commercial insurance products tailored to support various business sectors.

✅ Work Injury Compensation Insurance (WICA)

• MOM-compliant

• Covers:

  • Work-related injuries

  • Medical bills

  • Lost wages

  • Permanent disability or death benefits

✅ Business Package Insurance

• Combines key business risks in one policy:

  • Fire and property damage

  • Theft

  • Public liability

  • Business interruption

✅ Public Liability Insurance

• Protects businesses from claims of:

  • Third-party injury

  • Property damage

✅ Professional Indemnity Insurance

• Suitable for:

  • Consultants, lawyers, engineers, designers

• Covers:

  • Errors, omissions, or negligence

  • Legal defence costs

✅ Marine Cargo Insurance

• Covers goods transported by land, sea, or air

• Ideal for import/export and logistics companies

✅ Contractor’s All Risks (CAR)

• For builders and contractors

• Covers damage during construction projects

• Includes third-party injury/damage

Why it’s effective: These plans are designed for real-world business risks, with a focus on SMEs, construction firms, and service providers.

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📱 ERGO Singapore’s Strengths

• Strong financial backing from Munich Re Group

• Fast and reliable claims service

• Easy-to-understand policies

• Local support and underwriting team

• Trusted by both individuals and businesses

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✨ Final Thoughts – Why ERGO Insurance Singapore Works for Me

What I appreciate most about ERGO Insurance Singapore is that they keep things simple, practical, and professional. Their plans may not have bells and whistles, but they cover exactly what people need—clearly and affordably. Whether you're driving to work, hiring a helper, travelling with family, or managing a business, ERGO offers peace of mind without the noise.

For anyone who values clarity, honesty, and solid protection, ERGO should absolutely be on your shortlist.

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🔗 Official Website: https://www.ergo.com.sg