Allianz Accident Insurance

Allianz Accident Insurance is the most budget-friendly option in the top 10, with an annual premium of just HK$340 and a 1029:1 coverage ratio. It covers HK$350,000 for accidental death or disability plus HK$300 per day for hospitalization. While its coverage cap is the lowest in this segment—HK$100,000 less than Prudential and Standard Life PAI—the cost saving is significant, at 19% cheaper than the average premium among adjacent plans. Verified via Allianz's website in April 2026.