Key findings: 10Life found that premiums for the same airline embedded travel insurance plan ranged from HK$859 to HK$1,153 for the same route and trip duration, a 34% difference. Every HK$1,000 increase in airfare was associated with an increase of around HK$22 in the add-on premium, while similar coverage via an insurance comparison platform cost around HK$262, about one-quarter of the airline's highest quote. HONG KONG SAR – Media OutReach Newswire – 19 August 2026 – Adding travel insurance when booking a flight is a common practice among many Hong Kong travellers. However, the latest test by 10Life's Research and Data Analytics team found that the same coverage may not always come at the same price. Using the profile of one Hong Kong adult traveller, 10Life compared airline embedded travel insurance for a 14-day Hong Kong to New York trip across two departure dates and three economy fare classes, covering six scenarios in total. Each scenario involved the same travel insurance plan, coverage level, coverage details and benefit limits. Despite this, premiums ranged from HK$859 to HK$1,153, with the highest quote 34% higher than the lowest. Table 1: Six quotes for the same travel insurance plan for a 14-day Hong Kong to New York trip, ranked by premium

Return airfare	Travel insurance premium	Difference vs. lowest premium	Fare class	Departure date
HK$9,131	HK$859	—	Light	15 to 28 October
HK$10,631	HK$892	+4%	Essential	15 to 28 October
HK$12,531	HK$935	+9%	Flexi	15 to 28 October
HK$19,411	HK$1,087	+27%	Light	17 to 30 August
HK$20,461	HK$1,110	+29%	Essential	17 to 30 August
HK$22,361	HK$1,153	+34%	Flexi	17 to 30 August

Note: The premium difference is calculated against the lowest premium among the six tested scenarios, at HK$859. Test conditions: one adult traveller, single return trip, destination New York (John F. Kennedy International Airport), 14-day trip. Test and data update date: 6 August 2026. All amounts are in Hong Kong dollars. Premium amounts and percentages are calculated based on the relevant premiums and rounded to the nearest whole number. Premiums and quotes may change from time to time. Actual prices should be based on the relevant page shown at the time of purchase or booking.1. Premiums appear to move with airfare, rather than being priced solely by coverage Across the six tested scenarios, higher airfares were consistently associated with higher add-on travel insurance premiums. 10Life's analysis found an almost linear relationship between airfare and premium: for every HK$1,000 increase in airfare, the add-on travel insurance premium rose by around HK$22. Travel insurance premiums should generally be priced according to factors such as trip duration, destination, traveller age and coverage details, as these are the factors that typically determine risk. For the same departure date, destination and trip duration, the likelihood of an accident or medical claim should not increase simply because the airfare is higher. It is also worth noting that higher fare classes usually offer more flexible change, cancellation or refund arrangements, which could theoretically reduce part of the trip cancellation risk. However, in the test, premiums for higher fare classes increased instead of decreasing. During the booking process, consumers may not easily notice these fluctuations in the travel insurance premium. 2. Other purchase channels did not show similar price fluctuations, with premiums up to 77% lower 10Life also reviewed two travel insurance products in the market offering similar coverage, referred to here as Product A and Product B. The findings showed that, whether purchased directly through an insurer's website or via an insurance comparison platform, premiums were generally calculated based on trip details, such as destination, trip duration and traveller age. They did not appear to vary according to airfare. Table 2: Premium comparison across different purchase channels for a 14-day Hong Kong to New York trip

Purchase channel	Premium	Does the premium vary with airfare?
Product A purchased through an insurance comparison platform	HK$262	No observed fluctuation
Product A purchased through an insurer's website	HK$287	No observed fluctuation
Product B purchased through an insurance comparison platform	HK$442	No observed fluctuation
Product B purchased through an insurer's website	HK$553	No observed fluctuation
Airline booking page add-on...