CIMB Personal Accident

CIMB Personal Accident offers exceptional value with a 1053:1 coverage-to-premium ratio on an annual premium of only HK$380. It provides HK$400,000 for accidental death or disability and HK$300 per day for hospital stays. While its daily hospital benefit trails Prudential by 33%, its premium is the second lowest on this list—only Allianz Accident Insurance is cheaper at HK$340 per year. Data verified via the CIMB website in April 2026.