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HKD Accident plans: Up to 5 years premium term

Compare 2 products sharing HKD / Accident: currencies HKD/USD, premium-payment options 1–10 years, issue-age span 15 days to 80 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 :Source

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Last checked

Years 2025 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: 2 / 2

Comparable facts
ProductInsurerProduct categoryPolicy currenciesPremium payment termsBenefit termIssue ages & basis
SmartProtect PlusAXAAccident Source1HKD Source21 year / Annual premium payable in full or in 12 monthly instalments. Source31 year / One-year insurance period; renewal has no age limit but remains subject to AXA underwriting and renewal conditions. Source30.5 years to 80 years / Age basis: Not confirmed / First enrolment from 6 months to age 80. Source2
安心如意保China TaipingAccident Source4USD / HKD Source5
  • 3 years
  • 5 years
  • 10 years
Source5		Whole life / Accidental death: whole life; dismemberment: to age 76; permanent total disability: ages 18-76. Source515 days to 65 years / Age basis: Age last birthday Source5

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 factsSmartProtect Plus安心如意保
What it pays and when
  • Benefit term: 1 year / One-year insurance period; renewal has no age limit but remains subject to AXA underwriting and renewal conditions.
  • Recorded features: Basic Plan core cover includes accidental death and permanent disablement; Lite Plan benefits differ.
  • Recorded features: Optional Income or Payment Protection covers permanent total or temporary total disablement for eligible working adults.
Show all 8
  • Recorded features: Optional Income Protection: up to HKD 10,000 or 80% of monthly income per 30 days, whichever is lower, for six periods.
  • Recorded features: Basic Plan accidental medical expenses have per-accident limits and treatment sublimits.
  • Recorded features: Basic Plan includes daily hospital cash and home nursing allowance; amounts differ for children and elderly insureds.
  • Recorded features: Core cover lists a worldwide assistance hotline and a hospital admission deposit guarantee, subject to limits.
  • Core cover applies to insured accidents worldwide during the period of insurance. Accidental death or permanent disablement must result within 12 consecutive months of the accident; payment follows the compensation table. Basic Plan reimburses reasonable and necessary accidental medical expenses incurred within 12 consecutive months of the accident; this medical benefit is not included in Lite Plan.
Public source · Checked Public source · Checked Public source · Checked Public source · Checked Public source · Checked Public source · Checked Public source · Checked Public source · Checked 		Benefit term: Whole life / Accidental death: whole life; dismemberment: to age 76; permanent total disability: ages 18-76.Public source · Checked
Benefit limits
  • Lite Plan provides individual cover only; Basic Plan offers individual or shared cover. Individual limits apply separately to each insured person; shared limits apply collectively to insured persons, with claims paid as they arise until the relevant limit is exhausted. Both plans list HKD600,000 for accidental death/permanent disablement and up to HKD600,000 additional double indemnity for specified circumstances. Immediate cash relief of HKD50,000 is paid out of the accidental death sum insured, not in addition to it.
  • Basic Plan accidental medical expenses: HKD10,000 per accident; Chinese herbalist/bonesetter/acupuncturist HKD200 per day, food poisoning HKD500 per day. Chiropractor/physiotherapist: HKD2,000 per insurance period, HKD400 per day. Broken bone for elderly: HKD40,000 per period, reduced to HKD20,000 over age 80. Hospital cash/home nursing share HKD10,000 per period, HKD20,000 for children/elderly, with HKD200 per day. Recovery aids: HKD20,000 per period, HKD2,000 per mobility aid. Personal liability: HKD600,000 per period. Limits are per insured person for individual cover or per policy for shared cover; shared daily limits remain per person.
Public source · Checked Public source · Checked Public source · Checked Public source · Checked Public source · Checked 		Accidental dismemberment payment must not exceed the current sum assured; permanent total disability pays 2% monthly for up to fifty months while disability continues.Public source · Checked
Guaranteed / non-guaranteedRenewal has no age limit, but AXA reserves the right to refuse renewal, including after an underwriting review or following claims, occupation/relationship changes or health changes that significantly increase accident risk. Renewal premiums and terms may differ from the expiring policy.Public source · Checked Public source · Checked Public source · Checked not publishedDocuments checkedPublic source · Checked
Waiting periodsOptional temporary total disablement benefits require at least 30 continuing days and are subject to any Elimination Period in the policy schedule or endorsement; no benefit is paid for that period. Income/Payment Protection is paid as a lump sum in the seventh month from the accident month or later, not immediately. Basic hospital cash pays nothing for stays below five consecutive days; for stays above five consecutive days it pays from day one. Annual leave compensation excludes the first two days of leave for each claim.Public source · Checked Public source · Checked Public source · Checked Public source · Checked Public source · Checked Permanent total disability must arise within 180 days of accident and continue for five consecutive months; monthly payments begin in the sixth month while disability continues.Public source · Checked
Main exclusions
  • Published key exclusions (not exhaustive): Injury or death due to suicide or intentional self-injury.
  • Published key exclusions (not exhaustive): Sickness, disease, or pre-existing physical or mental defects.
  • Published key exclusions (not exhaustive): Professional sports, and speed contests or racing other than on foot.
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  • Published key exclusions (not exhaustive): Examples only; full policy terms and exceptions apply.
  • Main exclusions include intentional self-injury/suicide, illness, pre-existing conditions, unnecessary medical treatment, cosmetic surgery, pregnancy/childbirth, alcohol or non-prescribed drugs, war/nuclear risks, professional or remunerated sports, racing other than on foot, and pandemic-related loss. Sports Protection excludes accidents outside Hong Kong, diving deeper than 40 metres and sports above 5,000 metres. See the policy for all general and section-specific exclusions.
Public source · Checked Public source · Checked Public source · Checked 		Exclusions include war, unlawful acts, self-injury/suicide, specified aviation and non-prescribed alcohol/drug-related accidents, subject to listed exceptions.Public source · Checked
How do fulfillment ratios differ by policy issue year?
Feature matrixUp to three products in A–Z order. Open each product's decision sheet for complete information. Chart data and sourcesSmartProtect PlusSmartProtect Plus安心如意保安心如意保What it pays and whenWhat it pays and whenBenefit term: 1 year / One-year insurance period; renewal has no age limit but remains subject to AXA underwriting and renewal conditions. · Recorded features: Basic Plan core cover includes accidental death and permanent disablement; Lite Plan benefits differ. · Recorded features: Optional Income or Payment Protection covers permanent total or temporary total disablement for eligible working adults. · Recorded features: Optional Income Protection: up to HKD 10,000 or 80% of monthly income per 30 days, whichever is lower, for six periods. · Recorded features: Basic Plan accidental medical expenses have per-accident limits and treatment sublimits. · Recorded features: Basic Plan includes daily hospital cash and home nursing allowance; amounts differ for children and elderly insureds. · Recorded features: Core cover lists a worldwide assistance hotline and a hospital admission deposit guarantee, subject to limits. · Core cover applies to insured accidents worldwide during the period of insurance. Accidental death or permanent disablement must result within 12 consecutive months of the accident; payment follows the compensation table. Basic Plan reimburses reasonable and necessary accidental medical expenses incurred within 12 consecutive months of the accident; this medical benefit is not included in Lite Plan.Benefit term: 1 year / One…Benefit term: Whole life / Accidental death: whole life; dismemberment: to age 76; permanent total disability: ages 18-76.Benefit term: Whole life /…Benefit limitsBenefit limitsLite Plan provides individual cover only; Basic Plan offers individual or shared cover. Individual limits apply separately to each insured person; shared limits apply collectively to insured persons, with claims paid as they arise until the relevant limit is exhausted. Both plans list HKD600,000 for accidental death/permanent disablement and up to HKD600,000 additional double indemnity for specified circumstances. Immediate cash relief of HKD50,000 is paid out of the accidental death sum insured, not in addition to it. · Basic Plan accidental medical expenses: HKD10,000 per accident; Chinese herbalist/bonesetter/acupuncturist HKD200 per day, food poisoning HKD500 per day. Chiropractor/physiotherapist: HKD2,000 per insurance period, HKD400 per day. Broken bone for elderly: HKD40,000 per period, reduced to HKD20,000 over age 80. Hospital cash/home nursing share HKD10,000 per period, HKD20,000 for children/elderly, with HKD200 per day. Recovery aids: HKD20,000 per period, HKD2,000 per mobility aid. Personal liability: HKD600,000 per period. Limits are per insured person for individual cover or per policy for shared cover; shared daily limits remain per person.Lite Plan provides individ…Accidental dismemberment payment must not exceed the current sum assured; permanent total disability pays 2% monthly for up to fifty months while disability continues.Accidental dismemberment p…Guaranteed / non-guaranteedGuaranteed / non-guarantee…Renewal has no age limit, but AXA reserves the right to refuse renewal, including after an underwriting review or following claims, occupation/relationship changes or health changes that significantly increase accident risk. Renewal premiums and terms may differ from the expiring policy.Renewal has no age limit, …not publishednot publishedWaiting periodsWaiting periodsOptional temporary total disablement benefits require at least 30 continuing days and are subject to any Elimination Period in the policy schedule or endorsement; no benefit is paid for that period. Income/Payment Protection is paid as a lump sum in the seventh month from the accident month or later, not immediately. Basic hospital cash pays nothing for stays below five consecutive days; for stays above five consecutive days it pays from day one. Annual leave compensation excludes the first two days of leave for each claim.Optional temporary total d…Permanent total disability must arise within 180 days of accident and continue for five consecutive months; monthly payments begin in the sixth month while disability continues.Permanent total disability…Main exclusionsMain exclusionsPublished key exclusions (not exhaustive): Injury or death due to suicide or intentional self-injury. · Published key exclusions (not exhaustive): Sickness, disease, or pre-existing physical or mental defects. · Published key exclusions (not exhaustive): Professional sports, and speed contests or racing other than on foot. · Published key exclusions (not exhaustive): Examples only; full policy terms and exceptions apply. · Main exclusions include intentional self-injury/suicide, illness, pre-existing conditions, unnecessary medical treatment, cosmetic surgery, pregnancy/childbirth, alcohol or non-prescribed drugs, war/nuclear risks, professional or remunerated sports, racing other than on foot, and pandemic-related loss. Sports Protection excludes accidents outside Hong Kong, diving deeper than 40 metres and sports above 5,000 metres. See the policy for all general and section-specific exclusions.Published key exclusions (…Exclusions include war, unlawful acts, self-injury/suicide, specified aviation and non-prescribed alcohol/drug-related accidents, subject to listed exceptions.Exclusions include war, un…
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Sources & verification dates

Sources & verification dates

Checked:

  1. Individual catalogue: published name and listed sale status; null fields not confirmed

    Source date: Not confirmed

  2. Official public product brochure: confirmed facts only

    Source date: Not confirmed / Page: 3

Checked:

  1. Official retail product page or catalogue; unchecked facts remain null

    Source date: Not confirmed

Checked:

  1. Official brochure — enrolment ages and HKD premiums; PDF page 2; no printed edition code

    Source date: Not confirmed / Page: 2

  2. Official policy wording — one-year insurance period and payment mode; PDF page 11; APP0523O_V1 (N-H797b)

    Source date: Not confirmed / Page: 11

Information, not advice; we refer to a licensed Hong Kong broker.

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