HKD Accident plans: Over 5 to 10 years premium term

Compare 5 products sharing HKD / Accident: currencies HKD/USD, premium-payment options 3–20 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

Ask a licensed Hong Kong broker for a free comparison of suitable plans

Last checked 22 Oct 2026

Years 2021–2026 reflect dated source editions, or check years when undated, rather than product launch years.

AI agents can read our sourced facts through the read-only MCP service. MCP server card ·Published fact index

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: 5 / 5

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
Daily Guardian Personal Accident Plan	Chubb Life Insurance Hong Kong Limited	Accident Source7	HKD / USD Source8	8 years 10 years Source8	15 years / 12 years of cover with 8-year premiums; 15 years with 10-year premiums. Source8	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. Source8 Source9	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. Source10 Source11 Source12	Key examples include intentionally self-inflicted injury and war-related injury. Refer to the benefit-specific exclusions and exceptions in the brochure. Source13
The One Accident Protector	Chubb Life Insurance Hong Kong Limited	Accident Source14	HKD / USD Source15	10 years 20 years Source15	To age 100 Source15	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. Source15 Source16	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. 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
Well Protect 108 Personal Accident Insurance Plan	Well Link Life	Accident Source20	HKD Source21	8 years Source21	10 years Source21	18 years to 60 years / Age basis: Age last birthday Source21	Accidental death within 180 days pays a fixed amount under the selected plan. Scheduled permanent disability and dismemberment pay a fixed benefit; total permanent disability is limited to age 65. Hospital income covers up to 90 days per accident, 10 accidents per policy year and 1,000 hospital days per benefit term. Show all 4 Outside the listed regions, hospital income falls to 50% and 30 days per accident; mainland hospitals must be designated. Source22 Source23	Selected accident exclusion: pre-existing conditions and intentional self-inflicted injury; full wording applies. Source24
安心如意保	China Taiping	Accident Source25	USD / HKD Source26	3 years 5 years 10 years Source26	Whole life / Accidental death: whole life; dismemberment: to age 76; permanent total disability: ages 18-76. Source26	15 days to 65 years / Age basis: Age last birthday Source26	No public field citation recorded	No public field citation recorded

Feature matrix

Up to three products in A–Z order. Open each product's decision sheet for complete information.

Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.

Feature matrix
Comparable facts	Accident Guard Plan	Daily Guardian Personal Accident Plan	The One Accident Protector
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: 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 term: To age 100 Recorded features: Accidental death and scheduled dismemberment cover includes major burns and insanity, subject to conditions. Recorded features: Total permanent disability pays 2% of the sum assured monthly from month 13 for up to 50 months, subject to conditions. Show all 6 Recorded features: Premiums for The One are waived during its total and permanent disability benefit payout period. Recorded features: Emergency evacuation and repatriation services apply outside the country of residence, subject to service terms. The accident benefit scale pays 100% of sum assured for accidental death and for specified losses such as one or more limbs; other losses carry their own percentages. Public source · Checked 21 Oct 2026Public source · Checked 22 Oct 2026Public source · Checked 22 Oct 2026Public source · Checked 14 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	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	Aggregate benefits paid or payable are capped at 100% of sum assured, excluding amounts under double indemnity; individual benefit limits still apply.Public source · Checked 14 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	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	The brochure expressly states that premium rates for both the basic-plan and rider versions are not guaranteed.Public source · Checked 14 Oct 2026
Waiting periods	not publishedDocuments checkedPublic source · Checked 14 Oct 2026	not publishedDocuments checkedPublic source · Checked 14 Oct 2026	Total and permanent disability benefit starts in the 13th month from commencement of the disability condition and pays for up to 50 months, subject to eligibility.Public 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. 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	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 professional or hazardous sports and cosmetic, plastic or elective surgery; the policy’s other exclusions apply. Public source · Checked 21 Oct 2026Public source · Checked 14 Oct 2026