Top 10 Most Affordable Travel Insurance Plans in Hong Kong

A distinct advantage is trip delay coverage of HK$1,500, absent from the three cheaper plans above. Verified on the Blue Cross website as of April 2026, this option from an established insurer provides a solid middle-ground choice, being HK$7 more than the budget median but with added delay protection.

Allianz Essential 7-Day Plan is the most affordable weekly option among the top 10, undercutting Great Eastern Budget 7-Day by HK$14 per week. At just HK$168 for seven days, it provides HK$150,000 in medical coverage, HK$2,000 for baggage, and HK$1,000 for trip cancellation—all backed by a globally trusted insurer. Verified April 2026 on Allianz's website, this plan is 7.7% cheaper than the average weekly plan on this list, making it a standout for budget-conscious travelers.

Prudential Economy 7-Day is the second-cheapest plan on this list, priced at HK$175 per week—HK$7 less than Allianz Essential 7-Day. It covers HK$150,000 in medical expenses and HK$2,000 for baggage, providing essential protection without added cost. Verified April 2026 on Prudential's website, this plan is HK$13 cheaper than the average of all weekly plans here, ideal for travelers seeking a low-cost yet reputable option.

It includes HK$150,000 in medical coverage and basic baggage protection from a trusted local insurer. Verified April 2026 on Great Eastern's website, this plan is 8.5% below the median price of similarly region-focused plans, making it a solid value for short trips.

BUPA Budget 7-Day Plan offers robust protection at HK$188 per week, including HK$150,000 in medical coverage and baggage protection. Verified April 2026 on BUPA's website, this plan is only 10% above the average weekly premium across this list, making it a dependable choice for travelers prioritizing health security.

Zurich Economy 7-Day is the most affordable option for short trips, priced at just HK$195 for 7-day coverage, 5% cheaper than the typical budget plan average. This includes HK$150,000 in medical expenses—50% higher than the typical budget plan average of HK$100,000—and HK$2,000 for baggage loss, making it a solid choice for budget-conscious travelers. Surprisingly, it offers global coverage, outperforming Royal Sundaram Basic 7-Day (HK$205), which covers Asia only. Verified via Zurich’s website in April 2026, this plan proves that cheap doesn’t have to mean limited. For travelers seeking a reliable, low-cost globe-trotting safety net, Zurich delivers without hidden fees.

Verified via Royal Sundaram’s website in April 2026, this plan’s medical limit matches the industry benchmark for affordable plans. While it lacks global scope, the extra baggage coverage is a tangible advantage. For budget-focused travelers bound for Asia, this plan balances cost and essential safeguards efficiently.