Deal
Top PickApplying for SmartTraveller Plus through the website rather than an agent takes as much as 35% off the premium, on a policy that carries up to HKD 1,000,000 of cover. Since travel premiums are small in absolute terms, the online route is worth using even for a single short trip.
Expires: Limited Time Offer
Deal
Buying SmartStudent Overseas online cuts a fifth off the premium. Overseas study cover runs for an academic year rather than a fortnight, so a 20% reduction on the whole term is a larger sum than the same percentage on a holiday policy.
Expires: Limited Time Offer
Offer
Depositing next year's premium in advance earns a guaranteed 12% per annum for the first 90 days and 8% per annum for the remainder of the first policy year. That is well above a Hong Kong deposit account, though the money is committed to future premiums rather than withdrawable.
Expires: Limited Time Offer
Deal
SmartProtect Plus carries a 10% premium discount when the application is completed online. Personal accident cover is usually renewed annually, so the discount repeats each year you buy through the same channel.
Expires: Limited Time Offer
Offer
AXA is giving away personal accident protection for overseas theme park visits under a limited quota sign up, at no premium. Theme park injuries are a common gap in standard travel policies, which is what makes a free standalone add on genuinely useful rather than promotional filler.
Expires: Limited Time Offer
Offer
You can book a consultation through the site at no cost and without committing to a policy. On the savings and annuity plans, where the breakeven point rather than the premium decides whether the product suits you, talking it through is more useful than comparing brochures.
Expires: Limited Time Offer
Offer
The 2026 Summer Blossom Rewards programme returns as much as seven months of premium on designated all round protection products, and it runs until 27 September 2026. Other rewards sit inside the same programme, so it is worth reading the leaflet rather than only the headline.
Expires: Ends 27 September 2026
Offer
Eligible plans under the Voluntary Health Insurance Scheme qualify for a tax deduction of up to HKD 8,000 per insured person. That effectively reduces the net cost of a certified medical plan, and it applies to policies bought for family members as well as yourself.
Expires: Limited Time Offer
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