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Whether you prefer private or public hospital, we get you covered!

In the event of accidents, you may have to use Accident and Emergency (A&E) services – but are they covered by your current plan? WeCare Accidental Emergency Cash Protector (the "Plan") offers you a lump sum cash payment whether you choose to receive A&E treatment from private or public hospitals in Hong Kong. This standalone protection can minimize your private hospital cost.

  • Cash protection for emergency outpatient services

    Whether you choose to receive A&E treatment from private or public hospitals in Hong Kong, a lump sum cash payment will be granted a subsidy.

  • Cost-effective protection

    The monthly premium of the entry plan is as low as HK$20.6^ with the Benefit Amount of HK$500 (Private Hospitals). Coverage up to 2 accidents per year.

  • Coverage for all ages alike

    Minimum issue age is 15 days after birth, maximum issue age is 65 years old1.

  • ^Premium shown is for a Hong Kong female life assured aged 13, you apply the entry plan of “WeCare Accidental Emergency Cash Protector” for her, with 1 year policy benefit term, and the monthly premium is HK$20.6. The daily cost of HK$0.7 is achieved by spreading the monthly premium (HK$20.6) for the aforementioned conditions over 30 days.

Want to have a timely treatment in accident?
Choose the protection plan that best suits you.

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  • Entry Plan

    Benefit Amount (Private Hospital)


    Benefit Amount (Public Hospital)


    Monthly premium as low as


  • Standard Plan

    Benefit Amount (Private Hospital)


    Benefit Amount (Public Hospital)


    Monthly premium as low as


We will assess your occupation as part of our underwriting process, and we may add loading premium based on the underwriting result.

Premium is for reference only, actual premium may change based on the underwriting result.

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Key Features and Benefits2

Get to know more about the Plan

Entry Plan Standard Plan
Benefits A lump sum cash payment will be granted as a subsidy according to your selected plan upon your emergency outpatient treatment due to accidents
Provide different plan levels for both private and public hospitals in Hong Kong
Coverage up to 2 accidents per Policy Year
Benefit Amount Private Hospital
Public Hospital
Issue Age 15 days to age 65
Maximum Cover Age 80
Policy Benefit Term 1 year, yearly renewal to age 80
Premium Payment Term Same as selected Policy Benefit Term
Premium Payment Frequency Monthly
Compassionate Death Benefit 105% of total premiums paid in the current Policy Benefit Term
More Benefits
Change of Plan Coverage Anytime. The change of plan will be effective on the next monthiversary3
Renewal Guaranteed policy renewal without providing further proof of health conditions
What's not covered4?
Medical conditions that exist prior to plan commencement and any inborn conditions will be excluded. Any conditions caused by alcohol and drugs that are not prescribed by a doctor will be excluded as well.
The Compassionate Death Benefit is not payable due to suicide within 1 year from the policy issue date. The total premiums paid for the current protection period will be refunded.
The product information does not contain the full terms of the policy and the full terms can be found in the policy document.

Frequently Asked Questions

Who can buy this Plan?

Is medical examination or any health proof required when I apply for the Plan?

Can I purchase the Plan for my family?

This FAQ is provided for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document itself which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. Blue Insurance Limited reserves the right of final approval and decision on all matters.