Royal Sundaram Family Plan

At HK$655 per trip for a family of four—HK$164 per capita—the Royal Sundaram Family Plan costs slightly more than the Zurich Family Plan's HK$640 but compensates with HK$150,000 in medical coverage and attractive kids' benefits for family travel. Its claims process reduces processing time by an average of 20% compared to the typical competitor, ensuring quicker reimbursement for medical emergencies or trip cancellations. Verified data from the Royal Sundaram website for April 2026 shows this plan is 20% faster than the industry average in processing claims, making it a solid runner-up for families prioritizing hassle-free experiences over minimal cost.