Zurich Family Plan

The Zurich Family Plan starts at just HK$640 per trip for a family of four—HK$160 per capita—making it the most affordable option on this list and outperforming #10 Royal Sundaram Family Plan by 2.3%. It delivers HK$150,000 in medical coverage and HK$2,500 for baggage loss or delay, ensuring cost-effective protection for short getaways. With a 2.3% saving per trip compared to Royal Sundaram's HK$655, Zurich includes comprehensive school holidays coverage, a vital feature for families traveling during peak periods. Data from the Zurich website for April 2026 confirms this plan is ideal for budget-conscious families seeking reliable cover without sacrificing key benefits, such as trip cancellation and emergency assistance.