HKD Accident plans: Over 10 years premium term

Compare 4 products sharing HKD / Accident: currencies HKD/USD, premium-payment options 10–20 years, 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 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: 4 / 4

Comparable facts
Product	Insurer	Product category	Policy currencies	Premium payment terms	Benefit term	Issue ages & basis	Recorded features	Published key exclusions (not exhaustive)
Accident Guard Plan	Chubb Life Insurance Hong Kong Limited	Accident Source1	HKD / USD Source2	10 years 20 years Source2	To age 100 Source2	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. Source2 Source3	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. 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
Secure First	AIA	Accident Source7	HKD Source7	12 years / Premium amounts stay level during the 12-year payment term Source8	Whole life / Accidental death benefit is whole life; accidental dismemberment and permanent total disability benefits run to age 76 Source7	15 days to 63 years / Age basis: Not confirmed Source7	Accidental death within 180 days pays the current sum assured; prior dismemberment or disability payments reduce it. Scheduled accidental dismemberment within 180 days pays a lump sum and reduces the current sum assured. Adult permanent total disability: 1% monthly from the 13th month for up to 100 months while disability continues. Show all 6 Premiums are waived during permanent total disability benefit payments; disability must persist for 12 consecutive months. Emergency evacuation and repatriation assistance has a shared HKD 500,000 per-life limit and residence conditions. Death, dismemberment and disability payments share the sum assured; dismemberment and disability cover ends at age 76. Source9 Source10 Source11	War, armed-forces service in wartime, and violating the law or resisting arrest are excluded. Suicide or attempted suicide, self-inflicted injury, and accidents under the influence of alcohol or non-prescribed drugs are excluded. Air travel other than as a fare-paying passenger on a licensed aircraft is excluded. Show all 4 Examples only; full policy terms and exceptions apply. Source12
Thankful Care Personal Accident Insurance Plan	Manulife	Accident Source13	HKD Source14	12 years Source14	No public field citation recorded	No public field citation recorded	No public field citation recorded	No public field citation recorded
The One Accident Protector	Chubb Life Insurance Hong Kong Limited	Accident Source15	HKD / USD Source16	10 years 20 years Source16	To age 100 Source16	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. Source16 Source17	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. Source18 Source19	Key examples include intentionally self-inflicted injury and war-related injury. Refer to the benefit-specific exclusions and exceptions in the brochure. Source20

Feature matrix

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Feature matrix
Comparable facts	Accident Guard Plan	Secure First	Thankful Care Personal Accident Insurance Plan
What it pays and when	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: Whole life / Accidental death benefit is whole life; accidental dismemberment and permanent total disability benefits run to age 76 Recorded features: Accidental death within 180 days pays the current sum assured; prior dismemberment or disability payments reduce it. Recorded features: Scheduled accidental dismemberment within 180 days pays a lump sum and reduces the current sum assured. Show all 8 Recorded features: Adult permanent total disability: 1% monthly from the 13th month for up to 100 months while disability continues. Recorded features: Premiums are waived during permanent total disability benefit payments; disability must persist for 12 consecutive months. Recorded features: Emergency evacuation and repatriation assistance has a shared HKD 500,000 per-life limit and residence conditions. Recorded features: Death, dismemberment and disability payments share the sum assured; dismemberment and disability cover ends at age 76. Accidental death within 180 days of the accident pays the current sum assured to the beneficiary. Current sum assured deducts previous dismemberment and permanent-total-disability payments. Accidental dismemberment pays according to the published loss schedule. Public source · Checked 22 Oct 2026Public source · Checked 22 Oct 2026Public source · Checked 22 Oct 2026Public source · Checked 22 Oct 2026Public source · Checked 13 Oct 2026	Accidental death pays 100% of notional amount, subject to exclusions and aggregate benefit conditions.Public source · Checked 13 Oct 2026
Benefit limits	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	Permanent total disability: age 18 or above, onset within 180 days of accident and continuing for 12 consecutive months. From month 13, 1% of current sum assured is paid monthly for up to 100 months while disability continues; premiums are waived during that period.Public source · Checked 13 Oct 2026	Total disablement pays 1% of notional amount per month up to the stated benefit age limit.Public source · Checked 13 Oct 2026
Guaranteed / non-guaranteed	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	The brochure guarantees level premiums for the 12-year payment term. Benefit payments and occupation changes can alter premiums as stated separately.Public source · Checked 13 Oct 2026Public source · Checked 13 Oct 2026	not publishedDocuments checkedPublic source · Checked 13 Oct 2026
Waiting periods	not publishedDocuments checkedPublic source · Checked 14 Oct 2026	For permanent total disability, disability must arise within 180 days of the accident and continue for 12 consecutive months. Payments start in month 13 at 1% of current sum assured monthly, for up to 100 months while disability continues; premiums are waived during that payment period.Public source · Checked 13 Oct 2026	not publishedDocuments checkedPublic source · Checked 13 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. 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): War, armed-forces service in wartime, and violating the law or resisting arrest are excluded. Published key exclusions (not exhaustive): Suicide or attempted suicide, self-inflicted injury, and accidents under the influence of alcohol or non-prescribed drugs are excluded. Published key exclusions (not exhaustive): Air travel other than as a fare-paying passenger on a licensed aircraft is excluded. Show all 5 Published key exclusions (not exhaustive): Examples only; full policy terms and exceptions apply. Examples: professional or income-earning sport, self-inflicted injury, and war or revolution. Other exclusions and stated exceptions apply; see the full list. Public source · Checked 22 Oct 2026Public source · Checked 13 Oct 2026	Suicide or intentional self-inflicted injury is restricted by the applicable benefit exclusions; scope and exceptions differ by benefit.Public source · Checked 13 Oct 2026