Compare Personal Accident Insurance

Personal Accident Insurance Quick Guide

We found 43 Personal Accident Insurance product(s) matching your selected filters.

Assumptions

Blue Cross | 藍十字保險

Personal Accident Insurance Plan - Plan 4

$2,000,000 Sum Assured

10Life Score

7.7

/ 10

First Year Premium

HKD 2,016

Hang Seng | 恒生

Personal Accident Insurance Plan - Plan B

$1,000,000 Sum Assured

10Life Score

7.5

/ 10

First Year Premium

HKD 1,540

YF Life | 萬通保險

360 Global Accident Protector - Premier

$1,000,000 Sum Assured

Optional Sum Assured

10Life Score

7.5

/ 10

First Year Premium

HKD 6,750

WhatsApp Enquiry

Blue Cross | 藍十字保險

Personal Accident Insurance Plan - Plan 3

$1,500,000 Sum Assured

10Life Score

7.2

/ 10

First Year Premium

HKD 1,536

Prudential | 保誠保險

PRUChoice Personal Accident Plus+ Insurance - Plan B

$1,200,000 Sum Assured

10Life Score

7.1

/ 10

First Year Premium

HKD 3,860

ZA Insure | 眾安人壽

ZA Accident Protection - Plan 2

$1,000,000 Sum Assured

10Life Score

7.0

/ 10

First Year Premium

HKD 1,900

YF Life | 萬通保險

360 Global Accident Protector - Premier

$500,000 Sum Assured

Optional Sum Assured

10Life Score

7.0

/ 10

First Year Premium

HKD 3,375

WhatsApp Enquiry

ZA Insure | 眾安人壽

ZA Accident Protection - Plan 1

$500,000 Sum Assured

10Life Score

6.7

/ 10

First Year Premium

HKD 1,425

Liberty Insurance | 利寶

Personal Accident Protector - Plan 3

$3,000,000 Sum Assured

10Life Score

6.7

/ 10

First Year Premium

HKD 4,500

AIA | 友邦香港

Super Adults Shield - Plan 3

$2,250,000 Sum Assured

10Life Score

6.4

/ 10

First Year Premium

HKD 5,500

Liberty Insurance | 利寶

Personal Accident Protector - Plan 2

$1,800,000 Sum Assured

10Life Score

6.3

/ 10

First Year Premium

HKD 2,790

Blue Cross | 藍十字保險

Personal Accident Insurance Plan - Plan 2

$1,000,000 Sum Assured

10Life Score

6.2

/ 10

First Year Premium

HKD 1,056

Blue Cross | 藍十字保險

Personal Accident Insurance Plan - Plan 4

$2,000,000 Sum Assured

7.7

/ 10

10Life Score

 Death and Dismemberment Score​  
 8.8 / 10   
 Medical Score  
 7.9 / 10   
 Physiotherapy Score  
 10 / 10   
 Chinese Medical Practitioner Score  
 4 / 10   

First Year Premium

HKD 2,016

Hang Seng | 恒生

Personal Accident Insurance Plan - Plan B

$1,000,000 Sum Assured

7.5

/ 10

10Life Score

 Death and Dismemberment Score​  
 7.9 / 10   
 Medical Score  
 8 / 10   
 Physiotherapy Score  
 10 / 10   
 Chinese Medical Practitioner Score  
 4 / 10   

First Year Premium

HKD 1,540

YF Life | 萬通保險

360 Global Accident Protector - Premier

$1,000,000 Sum Assured

Optional Sum Assured

7.5

/ 10

10Life Score

 Death and Dismemberment Score​  
 7.5 / 10   
 Medical Score  
 9 / 10   
 Physiotherapy Score  
 3.8 / 10   
 Chinese Medical Practitioner Score  
 9.6 / 10   

First Year Premium

HKD 6,750

WhatsApp Enquiry

Blue Cross | 藍十字保險

Personal Accident Insurance Plan - Plan 3

$1,500,000 Sum Assured

7.2

/ 10

10Life Score

 Death and Dismemberment Score​  
 7.8 / 10   
 Medical Score  
 7.6 / 10   
 Physiotherapy Score  
 9.4 / 10   
 Chinese Medical Practitioner Score  
 4 / 10   

First Year Premium

HKD 1,536

Prudential | 保誠保險

PRUChoice Personal Accident Plus+ Insurance - Plan B

$1,200,000 Sum Assured

7.1

/ 10

10Life Score

 Death and Dismemberment Score​  
 7.2 / 10   
 Medical Score  
 8 / 10   
 Physiotherapy Score  
 10 / 10   
 Chinese Medical Practitioner Score  
 3.3 / 10   

First Year Premium

HKD 3,860

ZA Insure | 眾安人壽

ZA Accident Protection - Plan 2

$1,000,000 Sum Assured

7.0

/ 10

10Life Score

 Death and Dismemberment Score​  
 7.4 / 10   
 Medical Score  
 8.7 / 10   
 Physiotherapy Score  
 1.9 / 10   
 Chinese Medical Practitioner Score  
 10 / 10   

First Year Premium

HKD 1,900

YF Life | 萬通保險

360 Global Accident Protector - Premier

$500,000 Sum Assured

Optional Sum Assured

7.0

/ 10

10Life Score

 Death and Dismemberment Score​  
 6.5 / 10   
 Medical Score  
 8.2 / 10   
 Physiotherapy Score  
 3.8 / 10   
 Chinese Medical Practitioner Score  
 9.6 / 10   

First Year Premium

HKD 3,375

WhatsApp Enquiry

ZA Insure | 眾安人壽

ZA Accident Protection - Plan 1

$500,000 Sum Assured

6.7

/ 10

10Life Score

 Death and Dismemberment Score​  
 6.4 / 10   
 Medical Score  
 8.7 / 10   
 Physiotherapy Score  
 1.9 / 10   
 Chinese Medical Practitioner Score  
 10 / 10   

First Year Premium

HKD 1,425

Liberty Insurance | 利寶

Personal Accident Protector - Plan 3

$3,000,000 Sum Assured

6.7

/ 10

10Life Score

 Death and Dismemberment Score​  
 9.5 / 10   
 Medical Score  
 8.7 / 10   
 Physiotherapy Score  
 1.3 / 10   
 Chinese Medical Practitioner Score  
 7.2 / 10   

First Year Premium

HKD 4,500

AIA | 友邦香港

Super Adults Shield - Plan 3

$2,250,000 Sum Assured

6.4

/ 10

10Life Score

 Death and Dismemberment Score​  
 9.3 / 10   
 Medical Score  
 8.6 / 10   
 Physiotherapy Score  
 3.8 / 10   
 Chinese Medical Practitioner Score  
 4 / 10   

First Year Premium

HKD 5,500

Liberty Insurance | 利寶

Personal Accident Protector - Plan 2

$1,800,000 Sum Assured

6.3

/ 10

10Life Score

 Death and Dismemberment Score​  
 8.5 / 10   
 Medical Score  
 8.4 / 10   
 Physiotherapy Score  
 1.3 / 10   
 Chinese Medical Practitioner Score  
 7.2 / 10   

First Year Premium

HKD 2,790

Blue Cross | 藍十字保險

Personal Accident Insurance Plan - Plan 2

$1,000,000 Sum Assured

6.2

/ 10

10Life Score

 Death and Dismemberment Score​  
 6.8 / 10   
 Medical Score  
 7.1 / 10   
 Physiotherapy Score  
 7.5 / 10   
 Chinese Medical Practitioner Score  
 3.3 / 10   

First Year Premium

HKD 1,056

Blue Cross | 藍十字保險

Personal Accident Insurance Plan - Plan 4

$2,000,000 Sum Assured

10Life Score

7.7

/ 10

Death and Dismemberment Score

8.8 / 10

Medical Score

7.9 / 10

Physiotherapy Score

10 / 10

Chinese Medical Practitioner Score

4 / 10

First Year Premium

HKD 2,016

Hang Seng | 恒生

Personal Accident Insurance Plan - Plan B

$1,000,000 Sum Assured

10Life Score

7.5

/ 10

Death and Dismemberment Score

7.9 / 10

Medical Score

8 / 10

Physiotherapy Score

10 / 10

Chinese Medical Practitioner Score

4 / 10

First Year Premium

HKD 1,540

YF Life | 萬通保險

360 Global Accident Protector - Premier

$1,000,000 Sum Assured

Optional Sum Assured

10Life Score

7.5

/ 10

Death and Dismemberment Score

7.5 / 10

Medical Score

9 / 10

Physiotherapy Score

3.8 / 10

Chinese Medical Practitioner Score

9.6 / 10

First Year Premium

HKD 6,750

WhatsApp Enquiry

Blue Cross | 藍十字保險

Personal Accident Insurance Plan - Plan 3

$1,500,000 Sum Assured

10Life Score

7.2

/ 10

Death and Dismemberment Score

7.8 / 10

Medical Score

7.6 / 10

Physiotherapy Score

9.4 / 10

Chinese Medical Practitioner Score

4 / 10

First Year Premium

HKD 1,536

Prudential | 保誠保險

PRUChoice Personal Accident Plus+ Insurance - Plan B

$1,200,000 Sum Assured

10Life Score

7.1

/ 10

Death and Dismemberment Score

7.2 / 10

Medical Score

8 / 10

Physiotherapy Score

10 / 10

Chinese Medical Practitioner Score

3.3 / 10

First Year Premium

HKD 3,860

ZA Insure | 眾安人壽

ZA Accident Protection - Plan 2

$1,000,000 Sum Assured

10Life Score

7.0

/ 10

Death and Dismemberment Score

7.4 / 10

Medical Score

8.7 / 10

Physiotherapy Score

1.9 / 10

Chinese Medical Practitioner Score

10 / 10

First Year Premium

HKD 1,900

YF Life | 萬通保險

360 Global Accident Protector - Premier

$500,000 Sum Assured

Optional Sum Assured

10Life Score

7.0

/ 10

Death and Dismemberment Score

6.5 / 10

Medical Score

8.2 / 10

Physiotherapy Score

3.8 / 10

Chinese Medical Practitioner Score

9.6 / 10

First Year Premium

HKD 3,375

WhatsApp Enquiry

ZA Insure | 眾安人壽

ZA Accident Protection - Plan 1

$500,000 Sum Assured

10Life Score

6.7

/ 10

Death and Dismemberment Score

6.4 / 10

Medical Score

8.7 / 10

Physiotherapy Score

1.9 / 10

Chinese Medical Practitioner Score

10 / 10

First Year Premium

HKD 1,425

Liberty Insurance | 利寶

Personal Accident Protector - Plan 3

$3,000,000 Sum Assured

10Life Score

6.7

/ 10

Death and Dismemberment Score

9.5 / 10

Medical Score

8.7 / 10

Physiotherapy Score

1.3 / 10

Chinese Medical Practitioner Score

7.2 / 10

First Year Premium

HKD 4,500

AIA | 友邦香港

Super Adults Shield - Plan 3

$2,250,000 Sum Assured

10Life Score

6.4

/ 10

Death and Dismemberment Score

9.3 / 10

Medical Score

8.6 / 10

Physiotherapy Score

3.8 / 10

Chinese Medical Practitioner Score

4 / 10

First Year Premium

HKD 5,500

Liberty Insurance | 利寶

Personal Accident Protector - Plan 2

$1,800,000 Sum Assured

10Life Score

6.3

/ 10

Death and Dismemberment Score

8.5 / 10

Medical Score

8.4 / 10

Physiotherapy Score

1.3 / 10

Chinese Medical Practitioner Score

7.2 / 10

First Year Premium

HKD 2,790

Blue Cross | 藍十字保險

Personal Accident Insurance Plan - Plan 2

$1,000,000 Sum Assured

10Life Score

6.2

/ 10

Death and Dismemberment Score

6.8 / 10

Medical Score

7.1 / 10

Physiotherapy Score

7.5 / 10

Chinese Medical Practitioner Score

3.3 / 10

First Year Premium

HKD 1,056

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Personal Accident Insurance Quick Guide

What is Personal Accident Insurance?

Cover medical expenses due to accidents

Physiotherapy and bone-setting cover

Lump sum benefits on death and dismemberment

Personal accident insurance reimburses medical expenses caused by accidents. Some products cover physiotherapy and/or bone setting. Some products also provide a lump sum upon accidental death, disability or dismemberment.

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Personal Accident Insurance Glossary

Accident

Refers to unforeseen bodily injuries or death

Exclusions

Common exclusions include suicide, accidents caused directly or indirectly by foreseeable acts of war or high-risk activities (including professional sports)

Who should buy Personal Accident Insurance?

Children

Children are more prone to accidents as they are more active and have a weaker sense of danger. Some accident insurance can cover medical expenses such as physiotherapy and bone-setting.

Sports lovers or hikers

Bone fractures and sprains during sports activities are not uncommon. A personal accident insurance can cover expenses for physiotherapy and bone-setting.

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Frequently Ask Questions

What kind of occupations are not covered?

Aviation crew, occupations involving the operation of dangerous machinery, and military personnel are commonly excluded occupations.

How would a job change affect your policy?

You should inform the insurance company about your change of occupation. The insurance company has the right to decide whether to keep the policy in force.

Does accident insurance cover all sports?

Not all sports are covered. Skiing, diving, skydiving, rock climbing and cycling are sports that may be excluded.

What is the difference between personal accident and medical insurance?

Both types of insurance provide reimbursement for medical expenses incurred. However, accident insurance mainly covers casualties caused by accidents, and some products provide a lump sum benefit on accidental death and dismemberment.

How do you choose accident insurance among different insurance companies?

10Life evaluates and compares different accident insurance products based on different factors including accidental death and dismemberment benefits, medical coverage, physiotherapy and bone-setting coverage.

Rating Methodology

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How do you choose accident insurance among different insurance companies?

Rating Methodology

Compare Personal Accident Insurance