Great Eastern PAI

Great Eastern PAI provides a solid middle-ground option with HK$500,000 for accidental death and disability and a HK$300 daily hospital benefit—30% lower than the daily rate of #2 ACE Plus. The annual premium of HK$450 yields a 1111:1 ratio, which is 3% weaker than #1 AIA's 1041:1, indicating slightly lower payout efficiency. Verified April 2026 on the Great Eastern website, it suits those seeking balanced coverage at a moderate cost.