ACE Plus Accident

ACE Plus Accident claims the highest absolute coverage on this list with HK$600,000 for accidental death and disability, plus a daily hospital benefit of HK$600—20% higher than the average daily benefit across all plans. The annual premium of HK$520 yields a 1154:1 ratio, surpassing #1 AIA by 11% in payout per dollar. Verified April 2026 on the ACE website, this plan is ideal for those prioritizing maximum lump-sum protection.