Compare Personal Accident Insurance

Personal Accident Insurance Quick Guide

Office Worker

Sum Assured : 0 - 3,000,000

First Year Premium : 250 - 5,000

Insurer

We found 43 Personal Accident Insurance product(s) matching your selected filters.
Assumptions
Liberty Insurance | 利寶
Personal Accident Protector - Plan 1
$1,000,000 Sum Assured
6.0
/ 10
10Life Score
Death and Dismemberment Score​
7.5 / 10
Medical Score
8 / 10
Physiotherapy Score
1.3 / 10
Chinese Medical Practitioner Score
7.2 / 10
First Year Premium
HKD 1,650
MSIG | MSIG
iSafe Accident Insurance - Plan B
$1,000,000 Sum Assured
6.0
/ 10
10Life Score
Death and Dismemberment Score​
7.7 / 10
Medical Score
8 / 10
Physiotherapy Score
1.6 / 10
Chinese Medical Practitioner Score
6.7 / 10
First Year Premium
HKD 2,310
Hang Seng | 恒生
Personal Accident Insurance Plan - Plan A
$500,000 Sum Assured
5.8
/ 10
10Life Score
Death and Dismemberment Score​
6.9 / 10
Medical Score
6.7 / 10
Physiotherapy Score
6.3 / 10
Chinese Medical Practitioner Score
3.3 / 10
First Year Premium
HKD 825
Sun Life | Sun Life 永明
SunCare Accident Protection Plan - Plan 2
$1,000,000 Sum Assured
5.8
/ 10
10Life Score
Death and Dismemberment Score​
7.2 / 10
Medical Score
8.5 / 10
Physiotherapy Score
0.6 / 10
Chinese Medical Practitioner Score
6.7 / 10
First Year Premium
HKD 2,480
YF Life | 萬通保險
360 Global Accident Protector - Advance
$1,000,000 Sum Assured
Optional Sum Assured
5.8
/ 10
10Life Score
Death and Dismemberment Score​
7.5 / 10
Medical Score
8.2 / 10
Physiotherapy Score
2.5 / 10
Chinese Medical Practitioner Score
4.8 / 10
First Year Premium
HKD 3,000
AIA | 友邦香港
Super Adults Shield - Plan 2
$1,500,000 Sum Assured
5.8
/ 10
10Life Score
Death and Dismemberment Score​
8.3 / 10
Medical Score
8.2 / 10
Physiotherapy Score
2.6 / 10
Chinese Medical Practitioner Score
4 / 10
First Year Premium
HKD 3,800
Generali | 忠意保險
Personal Accident Protection Plan - Plan 3
$1,000,000 Sum Assured
5.7
/ 10
10Life Score
Death and Dismemberment Score​
7.4 / 10
Medical Score
8 / 10
Physiotherapy Score
1.3 / 10
Chinese Medical Practitioner Score
6 / 10
First Year Premium
HKD 1,585
AXA Hong Kong and Macau | AXA 安盛
SmartProtect Plus - Basic
$600,000 Sum Assured
5.6
/ 10
10Life Score
Death and Dismemberment Score​
6.5 / 10
Medical Score
6.7 / 10
Physiotherapy Score
1.3 / 10
Chinese Medical Practitioner Score
8 / 10
First Year Premium
HKD 1,160
Prudential | 保誠保險
PRUChoice Personal Accident Plus+ Insurance - Plan A
$600,000 Sum Assured
5.6
/ 10
10Life Score
Death and Dismemberment Score​
6.2 / 10
Medical Score
6.7 / 10
Physiotherapy Score
6.3 / 10
Chinese Medical Practitioner Score
3.3 / 10
First Year Premium
HKD 1,930
CMB Wing Lung Bank | 招商永隆銀行
Personal Accident Plus Insurance - Plan B
$1,000,000 Sum Assured
5.5
/ 10
10Life Score
Death and Dismemberment Score​
7.7 / 10
Medical Score
8.2 / 10
Physiotherapy Score
0.9 / 10
Chinese Medical Practitioner Score
5 / 10
First Year Premium
HKD 1,600
Zurich | 蘇黎世
PAMultiple Personal Accident Insurance Plan - Plan B
$1,000,000 Sum Assured
5.5
/ 10
10Life Score
Death and Dismemberment Score​
7.4 / 10
Medical Score
8.2 / 10
Physiotherapy Score
1.3 / 10
Chinese Medical Practitioner Score
5 / 10
First Year Premium
HKD 1,896
MSIG | MSIG
iSafe Accident Insurance - Plan A
$500,000 Sum Assured
5.4
/ 10
10Life Score
Death and Dismemberment Score​
6.7 / 10
Medical Score
6.7 / 10
Physiotherapy Score
1.6 / 10
Chinese Medical Practitioner Score
6.7 / 10
First Year Premium
HKD 1,185
Liberty Insurance | 利寶
Personal Accident Protector - Plan 1
$1,000,000 Sum Assured
10Life Score
6.0
/ 10
Death and Dismemberment Score​
7.5 / 10
Medical Score
8 / 10
Physiotherapy Score
1.3 / 10
Chinese Medical Practitioner Score
7.2 / 10
First Year Premium
HKD 1,650
MSIG | MSIG
iSafe Accident Insurance - Plan B
$1,000,000 Sum Assured
10Life Score
6.0
/ 10
Death and Dismemberment Score​
7.7 / 10
Medical Score
8 / 10
Physiotherapy Score
1.6 / 10
Chinese Medical Practitioner Score
6.7 / 10
First Year Premium
HKD 2,310
Hang Seng | 恒生
Personal Accident Insurance Plan - Plan A
$500,000 Sum Assured
10Life Score
5.8
/ 10
Death and Dismemberment Score​
6.9 / 10
Medical Score
6.7 / 10
Physiotherapy Score
6.3 / 10
Chinese Medical Practitioner Score
3.3 / 10
First Year Premium
HKD 825
Sun Life | Sun Life 永明
SunCare Accident Protection Plan - Plan 2
$1,000,000 Sum Assured
10Life Score
5.8
/ 10
Death and Dismemberment Score​
7.2 / 10
Medical Score
8.5 / 10
Physiotherapy Score
0.6 / 10
Chinese Medical Practitioner Score
6.7 / 10
First Year Premium
HKD 2,480
YF Life | 萬通保險
360 Global Accident Protector - Advance
$1,000,000 Sum Assured
Optional Sum Assured
10Life Score
5.8
/ 10
Death and Dismemberment Score​
7.5 / 10
Medical Score
8.2 / 10
Physiotherapy Score
2.5 / 10
Chinese Medical Practitioner Score
4.8 / 10
First Year Premium
HKD 3,000
AIA | 友邦香港
Super Adults Shield - Plan 2
$1,500,000 Sum Assured
10Life Score
5.8
/ 10
Death and Dismemberment Score​
8.3 / 10
Medical Score
8.2 / 10
Physiotherapy Score
2.6 / 10
Chinese Medical Practitioner Score
4 / 10
First Year Premium
HKD 3,800
Generali | 忠意保險
Personal Accident Protection Plan - Plan 3
$1,000,000 Sum Assured
10Life Score
5.7
/ 10
Death and Dismemberment Score​
7.4 / 10
Medical Score
8 / 10
Physiotherapy Score
1.3 / 10
Chinese Medical Practitioner Score
6 / 10
First Year Premium
HKD 1,585
AXA Hong Kong and Macau | AXA 安盛
SmartProtect Plus - Basic
$600,000 Sum Assured
10Life Score
5.6
/ 10
Death and Dismemberment Score​
6.5 / 10
Medical Score
6.7 / 10
Physiotherapy Score
1.3 / 10
Chinese Medical Practitioner Score
8 / 10
First Year Premium
HKD 1,160
Prudential | 保誠保險
PRUChoice Personal Accident Plus+ Insurance - Plan A
$600,000 Sum Assured
10Life Score
5.6
/ 10
Death and Dismemberment Score​
6.2 / 10
Medical Score
6.7 / 10
Physiotherapy Score
6.3 / 10
Chinese Medical Practitioner Score
3.3 / 10
First Year Premium
HKD 1,930
CMB Wing Lung Bank | 招商永隆銀行
Personal Accident Plus Insurance - Plan B
$1,000,000 Sum Assured
10Life Score
5.5
/ 10
Death and Dismemberment Score​
7.7 / 10
Medical Score
8.2 / 10
Physiotherapy Score
0.9 / 10
Chinese Medical Practitioner Score
5 / 10
First Year Premium
HKD 1,600
Zurich | 蘇黎世
PAMultiple Personal Accident Insurance Plan - Plan B
$1,000,000 Sum Assured
10Life Score
5.5
/ 10
Death and Dismemberment Score​
7.4 / 10
Medical Score
8.2 / 10
Physiotherapy Score
1.3 / 10
Chinese Medical Practitioner Score
5 / 10
First Year Premium
HKD 1,896
MSIG | MSIG
iSafe Accident Insurance - Plan A
$500,000 Sum Assured
10Life Score
5.4
/ 10
Death and Dismemberment Score​
6.7 / 10
Medical Score
6.7 / 10
Physiotherapy Score
1.6 / 10
Chinese Medical Practitioner Score
6.7 / 10
First Year Premium
HKD 1,185
Add More Products
Add More Products
Add More Products
Add More Products

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.

Personal Accident Insurance Glossary

Accident

Refers to unforeseen bodily injuries or death
意外

Exclusions

Common exclusions include suicide, accidents caused directly or indirectly by foreseeable acts of war or high-risk activities (including professional sports)
Exclusions
Who should buy Personal Accident Insurance?
小朋友
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.
行山及運動愛好者
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.
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.

Cross_Selling_Banner_Best_Insurer
Cross_Selling_Banner_Best_Insurer
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.

WeChat icon
WeChat icon
Whatsapp icon
Whatsapp icon
Enquiry icon Close icon
Back To Top
Whatsapp icon
Whatsapp icon
WhatsApp