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WeCare Accidental Emergency Cash Protector

Get timely treatment when accident happened

The Premium as low as HK$0.7 per day^

WeCare Accidental Emergency Cash Protector

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.

Simply fill in your gender and age for an instant quote!

Smoking Status

Entry Plan

Monthly premium as low as


Discount Code


Your age cannot purchase this product.

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Standard Plan

Monthly premium as low as


Discount Code


Your age cannot purchase this product.

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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.

Key Features and Benefits²

Entry Plan

Standard Plan


.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:HK$500/Visit
  • Public Hospital:HK$180/Visit
  • Private Hospital:HK$800/Visit
  • Public Hospital:HK$250/Visit

Issue Age

15 days to age 65

Maximum Cover Age


Policy Benefit Term

1 year, yearly renewal to age 80

Premium Payment Term

Same as selected Policy Benefit Term

Premium Payment Frequency


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


Guaranteed policy renewal without providing further proof of health conditions

What's not covered?⁴

.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?
Click for important notes and disclaimers

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.


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