Zurich Lite Accident

Zurich Lite Accident is the most budget-friendly option on the list, with annual premiums of only HK$250 covering HK$250,000 for accidental death and disability and HK$200 per day hospital income. However, compared to Generali Personal Accident, it falls short by offering HK$50,000 less death coverage. Ideal for minimalists, it provides essential protection at the lowest cost.