[Protection] Travel Insurance II

I've just quitted my job and I am now planning for several vacation trips (good excuse to take a break after 4 years of hard work & studies). So it's time to check insurance again...

The following comparison would assume a trip to (1) Asia for 4 days (2) China for 5 days:

                              4 Days 5 Days
Insurer                        Asia  China
----------------------------- ------ ------
HSBC                           75.00 112.50
Fubon Bank                     80.00  80.00
Dah Sing Bank                  82.60  89.60
Citibank                       90.40  90.40
Bank of China                 105.00 132.00
Hang Seng Bank *              112.00  80.00
DBS                           112.00 112.00
Blue Cross/Bank of East Asia  124.00  82.00
Prudential                    127.00 135.00
Standard Chartered Bank       138.00 138.00
Wing Lung Bank                141.00 159.00
AIG                           145.00 178.00
* For Hang Seng, can use cash dollar

Reference
Zurich / Citic Ka Wah Bank 蘇黎世 / 中信嘉華銀行
DBS 星展銀行
Citibank 花旗銀行
Dah Sing Bank 大新銀行
Bank of China 中國銀行
Standard Chartered Bank 渣打銀行
Fubon Bank 富邦銀行
Blue Cross / Bank of East Asia 藍十字 / 東亞銀行
Wing Lung Bank 永隆銀行
Hang Seng Bank 恆生銀行
HSBC 匯豐銀行
Prudential 保誠
AIG 美亞