Zurich Health Pro

Zurich Health Pro delivers the most comprehensive coverage per dollar, with dental and vision benefits that outperform typical rival plans. At an annual premium of HK$10,800, it is 5% cheaper than the average plan on this list while providing unlimited inpatient care and HK$5,500 in outpatient coverage. Dental and vision benefits add an estimated HK$2,000 in annual value, making it the top choice for all-in-one protection. Verified on the Zurich website in April 2026.