AIG Essential 7-Day Plan, priced at HK$155, is 12% more expensive than #1 AXA but delivers the highest medical coverage on this list at HK$200,000—33% more than the average medical limit of HK$150,000. Baggage protection includes HK$2,500, outpacing both #2 Generali by HK$1,000 and #4 Blue Cross by HK$500. Verified on the AIG website as of April 2026, this plan is 29% better in medical coverage than the budget median yet cheaper than the typical comprehensive rival. It stands out as the optimal balance of cost and coverage for practical travelers.
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