Chubb Life Insurance Hong Kong Limited Accident plans compared

Compare 6 products sharing Accident: currencies HKD/USD, premium-payment options 8–20 years, to ages 18/65, issue-age span 15 days to 65 years. See each plan’s own age rules and terms below in A–Z order; the range does not apply to every plan and unknowns stay unconfirmed, checked 22 Oct 2026:Source

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Last checked 22 Oct 2026

Years 2023–2026 reflect dated source editions, or check years when undated, rather than product launch years.

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Insurers (19)

Comparison JSON · Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link.

Comparable facts

Filters search recorded options only. Age matches any recorded range; option conditions and age basis still apply. Unknown ranges are excluded when an age is entered.

Product: 6 / 6

Comparable facts
Product	Insurer	Product category	Policy currencies	Premium payment terms	Benefit term	Issue ages & basis	Recorded features	Published key exclusions (not exhaustive)
AcciCare Protection Plan	Chubb Life Insurance Hong Kong Limited	Accident Source1	HKD Source2	To age 65 Source2	To age 65 Source2	18 years to 60 years / Age basis: Not confirmed Source2	Accidental death and scheduled permanent disablement pay percentages of the sum assured. Permanent disablement benefits follow the loss schedule; the amount depends on the covered loss. Accidental inpatient and outpatient medical expenses are reimbursed subject to plan limits and treatment sublimits. Show all 5 Accidental hospitalisation pays a fixed daily cash benefit for up to 365 days. Overseas emergency medical assistance is a third-party service outside the policy benefits and may change or end. Source3 Source4 Source5	Key examples include intentionally self-inflicted injury and war-related injury. Refer to the benefit-specific exclusions and exceptions in the brochure. Source6
Accident Guard Plan	Chubb Life Insurance Hong Kong Limited	Accident Source7	HKD / USD Source8	10 years 20 years Source8	To age 100 Source8	15 days to 65 years / Age basis: Not confirmed / 10-year premium payment term. Age at nearest birthday. 15 days to 55 years / Age basis: Not confirmed / 20-year premium payment term. Age at nearest birthday. Source8 Source9	Accidental death or scheduled dismemberment must result within 12 months of injury; benefit conditions apply. Total permanent disability must last 365 days; 2% monthly starts in month 13, for up to 50 months, with age limits. Basic-plan premiums are waived during total and permanent disability benefit payments. Show all 4 Evacuation and repatriation outside the country of residence are third-party services outside the policy benefits. Source10 Source11	Key examples include intentionally self-inflicted injury and war-related injury. Refer to the benefit-specific exclusions and exceptions in the brochure. Source12
Daily Guardian Personal Accident Plan	Chubb Life Insurance Hong Kong Limited	Accident Source13	HKD / USD Source14	8 years 10 years Source14	15 years / 12 years of cover with 8-year premiums; 15 years with 10-year premiums. Source14	15 days to 63 years / Age basis: Not confirmed / 8-year premium payment term. Age at nearest birthday. 15 days to 60 years / Age basis: Not confirmed / 10-year premium payment term. Age at nearest birthday. Source14 Source15	Accidental death and scheduled dismemberment within 12 months of the accident pay a lump sum. Accidental dismemberment benefits follow the loss schedule and policy limits. Actual reasonable and customary injury treatment expenses within 12 months are reimbursed subject to limits. Show all 6 Hospital cash: up to 90 days per accident, including 7 days in mainland China; 330 days across the policy. Bone fracture and major burn lump sums each cover at most one accident per policy year. Third-party emergency assistance applies outside Hong Kong on trips up to 90 days; it is outside the policy benefits. Source16 Source17 Source18	Key examples include intentionally self-inflicted injury and war-related injury. Refer to the benefit-specific exclusions and exceptions in the brochure. Source19
Juvenile Accident Protector	Chubb Life Insurance Hong Kong Limited	Accident Source20	HKD / USD Source21	To age 18 Source21	To age 18 Source21	15 days to 15 years / Age basis: Not confirmed Source21	Core accidental death and dismemberment cover requires the loss within 12 months of injury, before age 18. Accidental dismemberment payments follow the covered loss schedule. Optional medical cover reimburses actual injury treatment expenses within 12 months, subject to the sum assured. Show all 5 Core accident consequences cover includes fractures, coma, spinal injury, major burns and poisonous gas at school. Overseas emergency assistance and referral are third-party services outside the policy and may change or end. Source22 Source23 Source24	Key examples include intentionally self-inflicted injury and war-related injury. Refer to the benefit-specific exclusions and exceptions in the brochure. Source25
Personal Accident Benefit	Chubb Life Insurance Hong Kong Limited	Accident Source26	HKD / USD Source27	To age 65 Source27	To age 65 Source27	16 years to 60 years / Age basis: Not confirmed Source27	Core accidental death and dismemberment benefits require the loss within 12 months of injury and before age 65. Permanent disablement caused by accidental injury pays the percentage in the benefit schedule. Optional weekly disability indemnity pays for up to 104 weeks in total; partial disablement pays 50% of the weekly amount. Show all 4 Optional medical cover reimburses actual injury treatment expenses within 12 months, subject to limits. Source28	Key examples include intentionally self-inflicted injury and war-related injury. Refer to the benefit-specific exclusions and exceptions in the brochure. Source29
The One Accident Protector	Chubb Life Insurance Hong Kong Limited	Accident Source30	HKD / USD Source31	10 years 20 years Source31	To age 100 Source31	15 days to 65 years / Age basis: Not confirmed / 10-year premium payment term. Age at nearest birthday. 15 days to 55 years / Age basis: Not confirmed / 20-year premium payment term. Age at nearest birthday. Source31 Source32	Accidental death and scheduled dismemberment cover includes major burns and insanity, subject to conditions. Total permanent disability pays 2% of the sum assured monthly from month 13 for up to 50 months, subject to conditions. Premiums for The One are waived during its total and permanent disability benefit payout period. Show all 4 Emergency evacuation and repatriation services apply outside the country of residence, subject to service terms. Source33 Source34	Key examples include intentionally self-inflicted injury and war-related injury. Refer to the benefit-specific exclusions and exceptions in the brochure. Source35

Feature matrix

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Feature matrix
Comparable facts	AcciCare Protection Plan	Accident Guard Plan	Daily Guardian Personal Accident Plan
What it pays and when	Benefit term: To age 65 Recorded features: Accidental death and scheduled permanent disablement pay percentages of the sum assured. Recorded features: Permanent disablement benefits follow the loss schedule; the amount depends on the covered loss. Show all 7 Recorded features: Accidental inpatient and outpatient medical expenses are reimbursed subject to plan limits and treatment sublimits. Recorded features: Accidental hospitalisation pays a fixed daily cash benefit for up to 365 days. Recorded features: Overseas emergency medical assistance is a third-party service outside the policy benefits and may change or end. The accidental death and permanent disablement scale pays 100% of the relevant sum assured for loss of life; other specified losses have their own percentages. Public source · Checked 21 Oct 2026Public source · Checked 22 Oct 2026Public source · Checked 22 Oct 2026Public source · Checked 22 Oct 2026Public source · Checked 14 Oct 2026	Benefit term: To age 100 Recorded features: Accidental death or scheduled dismemberment must result within 12 months of injury; benefit conditions apply. Recorded features: Total permanent disability must last 365 days; 2% monthly starts in month 13, for up to 50 months, with age limits. Show all 6 Recorded features: Basic-plan premiums are waived during total and permanent disability benefit payments. Recorded features: Evacuation and repatriation outside the country of residence are third-party services outside the policy benefits. The policy term runs to age 100. Public source · Checked 21 Oct 2026Public source · Checked 22 Oct 2026Public source · Checked 22 Oct 2026Public source · Checked 14 Oct 2026	Benefit term: 15 years / 12 years of cover with 8-year premiums; 15 years with 10-year premiums. Recorded features: Accidental death and scheduled dismemberment within 12 months of the accident pay a lump sum. Recorded features: Accidental dismemberment benefits follow the loss schedule and policy limits. Show all 8 Recorded features: Actual reasonable and customary injury treatment expenses within 12 months are reimbursed subject to limits. Recorded features: Hospital cash: up to 90 days per accident, including 7 days in mainland China; 330 days across the policy. Recorded features: Bone fracture and major burn lump sums each cover at most one accident per policy year. Recorded features: Third-party emergency assistance applies outside Hong Kong on trips up to 90 days; it is outside the policy benefits. At maturity, premium refund is up to 103% of total basic premiums for the ten-year payment option or 100% for the eight-year option, regardless of claim record. Public source · Checked 21 Oct 2026Public source · Checked 22 Oct 2026Public source · Checked 22 Oct 2026Public source · Checked 22 Oct 2026Public source · Checked 14 Oct 2026
Benefit limits	Bonesetter treatment is capped at HKD1,500 per policy year, with HKD500 per accident without fracture and HKD1,000 with fracture. Physiotherapy is capped at HKD2,500 per policy year and the first visit requires a medical referral.Public source · Checked 14 Oct 2026	The minimum sum assured is HKD500,000 or USD64,100; the maximum is individually considered subject to the insurer limit.Public source · Checked 14 Oct 2026	Each insured can hold only one in-force policy of this plan per lifetime. Major burn injury benefit is payable at most once per policy year.Public source · Checked 14 Oct 2026
Guaranteed / non-guaranteed	The premium structure expressly states that premiums are not guaranteed.Public source · Checked 14 Oct 2026	Premium rates are not guaranteed, although an increase in the insured age alone does not increase the rates. The insurer may review and adjust rates with prior written notice.Public source · Checked 14 Oct 2026	Premiums are not guaranteed. The insurer may revise the premium at each policy anniversary under the applicable premium rate and policy terms.Public source · Checked 14 Oct 2026
Waiting periods	not publishedDocuments checkedPublic source · Checked 14 Oct 2026	not publishedDocuments checkedPublic source · Checked 14 Oct 2026	not publishedDocuments checkedPublic source · Checked 14 Oct 2026
Main exclusions	Published key exclusions (not exhaustive): Key examples include intentionally self-inflicted injury and war-related injury. Published key exclusions (not exhaustive): Refer to the benefit-specific exclusions and exceptions in the brochure. Examples of exclusions include disease or infection, except infection through an accidental cut or wound, and professional or hazardous sports; the complete policy exclusions apply. Public source · Checked 21 Oct 2026Public source · Checked 14 Oct 2026	Published key exclusions (not exhaustive): Key examples include intentionally self-inflicted injury and war-related injury. Published key exclusions (not exhaustive): Refer to the benefit-specific exclusions and exceptions in the brochure. Exclusion examples include war, military service, professional sports or hazardous pursuits, and cosmetic, plastic or elective surgery; the complete policy exclusions apply. Public source · Checked 21 Oct 2026Public source · Checked 14 Oct 2026	Published key exclusions (not exhaustive): Key examples include intentionally self-inflicted injury and war-related injury. Published key exclusions (not exhaustive): Refer to the benefit-specific exclusions and exceptions in the brochure. Accident benefit exclusion examples include suicide or intentional self-injury, drugs or alcohol not prescribed by a registered medical practitioner, and war or military service. Public source · Checked 21 Oct 2026Public source · Checked 14 Oct 2026