10Life Financial Limited
Enquiries: enquiries@10life.com
Hotline: (852) 3705 1599
Address: 16/F Greatmany Centre, 109-115 Queen’s Road East, Wan Chai, Hong Kong
Talk to 10Life on WeChat
Personal Accident Insurance Comparison 2026
Office Worker
Sum Assured : 0 - 3,000,000
First Year Premium : 250 - 5,000
Insurer
We found 51 Personal Accident Insurance product(s) matching your selected filters.
Zurich | 蘇黎世
Care Choice Personal Accident Plan ($50,000 Hospitalization expenses)
$4,000,000 Sum Assured
9.4
/ 10
10Life Score
Death and Dismemberment Score
9.6 / 10
Medical Score
8.7 / 10
Physiotherapy Score
9.4 / 10
Chinese Medical Practitioner Score
10 / 10
Sun Life | Sun Life 永明
Stand-by-you Accident Protection Plan - Plan 4
$3,000,000 Sum Assured
9.3
/ 10
10Life Score
Death and Dismemberment Score
9.7 / 10
Medical Score
10 / 10
Physiotherapy Score
7.5 / 10
Chinese Medical Practitioner Score
10 / 10
First Year Premium
HKD
9,488
Sun Life | Sun Life 永明
Stand-by-you Accident Protection Plan - Plan 3
$2,000,000 Sum Assured
8.8
/ 10
10Life Score
Death and Dismemberment Score
9.7 / 10
Medical Score
9.5 / 10
Physiotherapy Score
6.3 / 10
Chinese Medical Practitioner Score
10 / 10
First Year Premium
HKD
6,788
Zurich | 蘇黎世
Care Choice Personal Accident Plan ($30,000 Hospitalization expenses)
$3,000,000 Sum Assured
8.4
/ 10
10Life Score
Death and Dismemberment Score
9.6 / 10
Medical Score
8.2 / 10
Physiotherapy Score
5.6 / 10
Chinese Medical Practitioner Score
10 / 10
Zurich | 蘇黎世
Care Choice Personal Accident Plan ($20,000 Hospitalization expenses)
$2,000,000 Sum Assured
7.8
/ 10
10Life Score
Death and Dismemberment Score
9.6 / 10
Medical Score
8 / 10
Physiotherapy Score
3.8 / 10
Chinese Medical Practitioner Score
10 / 10
Sun Life | Sun Life 永明
Stand-by-you Accident Protection Plan - Plan 2
$1,000,000 Sum Assured
7.8
/ 10
10Life Score
Death and Dismemberment Score
7.7 / 10
Medical Score
8.5 / 10
Physiotherapy Score
5 / 10
Chinese Medical Practitioner Score
10 / 10
First Year Premium
HKD
3,588
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
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
Zurich | 蘇黎世
Care Choice Personal Accident Plan ($50,000 Hospitalization expenses)
$4,000,000 Sum Assured
10Life Score
9.4
/ 10
Death and Dismemberment Score
9.6 / 10
Medical Score
8.7 / 10
Physiotherapy Score
9.4 / 10
Chinese Medical Practitioner Score
10 / 10
First Year Premium
HKD
6,650
Sun Life | Sun Life 永明
Stand-by-you Accident Protection Plan - Plan 4
$3,000,000 Sum Assured
10Life Score
9.3
/ 10
Death and Dismemberment Score
9.7 / 10
Medical Score
10 / 10
Physiotherapy Score
7.5 / 10
Chinese Medical Practitioner Score
10 / 10
First Year Premium
HKD
9,488
Sun Life | Sun Life 永明
Stand-by-you Accident Protection Plan - Plan 3
$2,000,000 Sum Assured
10Life Score
8.8
/ 10
Death and Dismemberment Score
9.7 / 10
Medical Score
9.5 / 10
Physiotherapy Score
6.3 / 10
Chinese Medical Practitioner Score
10 / 10
First Year Premium
HKD
6,788
Zurich | 蘇黎世
Care Choice Personal Accident Plan ($30,000 Hospitalization expenses)
$3,000,000 Sum Assured
10Life Score
8.4
/ 10
Death and Dismemberment Score
9.6 / 10
Medical Score
8.2 / 10
Physiotherapy Score
5.6 / 10
Chinese Medical Practitioner Score
10 / 10
First Year Premium
HKD
4,710
Zurich | 蘇黎世
Care Choice Personal Accident Plan ($20,000 Hospitalization expenses)
$2,000,000 Sum Assured
10Life Score
7.8
/ 10
Death and Dismemberment Score
9.6 / 10
Medical Score
8 / 10
Physiotherapy Score
3.8 / 10
Chinese Medical Practitioner Score
10 / 10
First Year Premium
HKD
3,140
Sun Life | Sun Life 永明
Stand-by-you Accident Protection Plan - Plan 2
$1,000,000 Sum Assured
10Life Score
7.8
/ 10
Death and Dismemberment Score
7.7 / 10
Medical Score
8.5 / 10
Physiotherapy Score
5 / 10
Chinese Medical Practitioner Score
10 / 10
First Year Premium
HKD
3,588
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
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
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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.
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.
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.
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.
