Personal Accident Insurance - "PK" Protection Compared

Estimated reading time 2 minutes

10Life Team

07 Mar 2017
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10Life Team

07 Mar 2017

Estimated reading time 2 minutes

Despite being in middle age with kids, many of my friends still seek out extreme adventures and sports as if they never grew up -  only to have twisted an ankle or broken a rib almost every time we meet. If you or your friends fall into this category, or if you are one of those who are prone to accidents even when walking to work (including yours truly), then we have just what you need! 10Life analysed 14 different accident insurance products in Hong Kong and created the "PK" Protection Score to measure how well they protect against falls (a.k.a. "PK") and sports accidents.

 

 
Our PK Protection score is based on 6 factors:
  1. Sports Coverage Score - scored by the coverage of these popular sports -  skiing, scuba diving, parachuting, rock-climbing and non-professional bike race.  (Note that all plans exclude professional sports.)
  2. Accidental Death/ Permanent Disability Coverage Score  - death/permanent disability payout per Annual Premium*
  3. Accident Medical Expense Coverage Score -  maximum medical expense coverage per Annual Premium*
  4. Hospital Cash Score - daily hospital cash per Annual Premium*
  5. Physiotherapy/ Chiropractor Coverage Score - based on the relative maximum coverage per day and per case
  6. Chinese Bonesetter / Acupuncture Coverage Score - based on the relative maximum coverage per day and per case
 
*Annual Premium is calculated based on sum assured of HK$1,000,000 for accidental death or permanent disability, accident medical expense coverage of HK$40,000 (or closest equivalent) and hospital cash of HK$600 HKD a day (or closest equivalent).
 
(Author: 10Life Editor)
 

Disclaimer

10Life Product Comparison and 10Life Insurance Ratings are developed by 10Life Financial Limited, an authorised insurance broker with Insurance Authority License Number FB1526. 10Life Product Comparison and 10Life Insurance Ratings are developed for generic customer segments using mathematical calculations based on product information, facts and data, and are not influenced by any partnerships with or fees received from insurance companies.  

Any information on 10Life Platform ("10Life Information"), including but not limited to Product Comparison, Product Ratings, Blog Articles are intended for general education purpose and reference only and should not be constituted as any insurance, financial, investment or other professional advice or solicitation to buy insurance, financial or investment products. 10Life Information does not take into account your individual needs. Reading 10Life Information should not be considered as conducting a suitability assessment. You should only rely on information authorised by insurance companies and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While best effort is used when collecting, validating and updating 10Life Information from various channels, none of 10Life Group and its subsidiaries, affiliates, agents, directors, officers and employees will be responsible for any liability arising from using 10Life Information or for any claims and/or losses caused thereby, and no warranty or guarantee is made on the accuracy, completeness and timeliness of the information.

If you have any questions on 10Life Product Comparison and 10Life Insurance Ratings, please email us at enquiries@10life.com .

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Instant Chat
Licensed advisors will address all your insurance queries
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Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.6
3978
610

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.8
1173
274

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1849
309

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1345
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1644
262

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1763
308

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1058
313

Edward, Lam Wing Chuen

林永泉

Convoy Senior Wealth Management Advisor

4.6
1557
263

Noble, Suen Chit Yuen

孫哲遠

AIA Associate Director, Wealth Management and Protection

4.4
1114
249

Liu Lai Ting

廖麗婷

FWD Senior Branch Manager

4.8
1408
211
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Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.6
3978
610

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.8
1173
274

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1849
309

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1345
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1644
262

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1763
308

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1058
313

Edward, Lam Wing Chuen

林永泉

Convoy Senior Wealth Management Advisor

4.6
1557
263

Noble, Suen Chit Yuen

孫哲遠

AIA Associate Director, Wealth Management and Protection

4.4
1114
249

Liu Lai Ting

廖麗婷

FWD Senior Branch Manager

4.8
1408
211

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