Personal Accident Insurance - "PK" Protection Compared

Estimated reading time 2 minutes
07 Mar 2017
blog cover image
Share to Facebook
Share to Twitter
Share to LinkedIn
Share to Whatsapp
Copy URL

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)
 

Have an insurance question? Just ask!

  • Ask a question anytime, anywhere
  • Get response from multiple licensed advisors
  • Simply login with Email
Please enter all the question field.
Sorry, the question was failed to send.
The question was successfully sent.
ExamplesHow to choose saving insurance?Do I need life insurance?What products cover unknown pre-existing conditions?
Share to Facebook
Share to Twitter
Share to LinkedIn
Share to Whatsapp
Copy URL

Further Readings

blog cover image
7 ILAS Plans Compared in 12 Different Scenarios
16 Nov 2021
ILAS
blog cover image
How would your medical history affect life insurance underwriting?
15 Nov 2021
Term Life Insurance
blog cover image
Not only Full Coverage? Exploring the superior features of High End Medical (Updated Oct 2021) (Chinese Article)
12 Nov 2021
High-end Medical
Whole Life Savings Insurance Comparison: Coverage Could Differ By More Than 60% | 10Life
Whole Life Savings Insurance Comparison: Coverage Could Differ By More Than 60%
05 Nov 2021
Confirm to leave?
×
Ask Questions
No contact information needed. Anonymous questions, instant chat, and get opinions from licensed advisors.
Please sign up or login, instant anonymous questions!
Advisor Replies
Your question has been sent to licensed advisors.
No contact information needed. Anonymous questions, instant chat, and get opinions from licensed advisors.
Please sign up or login, instant anonymous questions!
My Advisors
No record with advisors.
Please sign up or login. No contact information needed, instant contact with advisors!
Find Advisors
Over one thousand advisors provide you with insurance advice
Please sign up or login. No contact information needed, instant search advisors!