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. Its 1000:1 claim-to-premium ratio makes it 17% cheaper than the average personal accident plan in Hong Kong. However, compared to #9 Generali Personal Accident, it falls short by offering 16.7% less hospital income and HK$50,000 less death coverage, as verified via Zurich’s website in April 2026. Ideal for minimalists, it provides essential protection at the lowest cost.