Allianz Sports+ Annual

Allianz Sports+ Annual stands out as the most affordable annual option at HK$450 — 25% cheaper than #4 Chubb's annual premium of HK$500 and 33% less than #3 Zurich's annual rate of HK$600. It covers skiing, mountaineering, and climbing with medical coverage of HK$150,000 and activity-specific protection of HK$100,000. This medical limit ties Chubb's offering but outperforms Zurich's Adventure Extreme, which lacks a clearly stated medical sub-limit for comparison. Verified on Allianz's website as of April 2026, this policy is ideal for Hong Kong residents who take two or more adventure trips per year.