Prudential Accident Insurance

Prudential Accident Insurance delivers the highest coverage-to-premium ratio in its tier, with a 1071:1 payout multiple on an annual premium of just HK$420. You receive HK$450,000 for accidental death or disability plus HK$400 per day for hospitalization. This daily hospital benefit is 33% higher than runner-up CIMB Personal Accident, which caps at HK$300 per day. Verified on the Prudential website as of April 2026.