Zurich Personal Accident

Zurich Personal Accident is the most affordable plan in the top five at just HK$350 per year, offering HK$400,000 for accidental death and disability with a HK$400 daily hospital benefit. Its 1143:1 ratio is 10% higher than #4 Great Eastern's 1111:1, proving superior cost efficiency despite a lower premium. Verified April 2026 on the Zurich website, this plan is the best entry-level choice with a strong payout-to-cost ratio.