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Key Benefits
Protection Plan
What’s Covered
FAQS

Guaranteed choices in the face of unexpected events

Accidents are unexpected, but you can always plan ahead to have more choices. WeCare Accidental Hospital Cash Protector (the "Plan") covers both private and public hospitals in Hong Kong, giving you access to the medical care you prefer with daily cash benefit. The plan is simple and straightforward. You are only required to provide proof of hospital confinement to claim for cash benefit to cover your hospitalization expenses due to accident.

  • More hospitalization options

    With the daily cash benefit, you can choose private hospital or public hospital for in-patient stay, and even choose to stay at a hospital ward or a private room to receive treatment without any stress.

  • Cost-effective protection

    The monthly premium of the entry plan is as low as HK$24.9^ for the hospital cash protection with HK$500 of daily Benefit Amount (Private Hospitals). Coverage up to 14 days per accident and 2 separate accidents per year.

  • Coverage for all ages

    Minimum issue age is 15 days after birth, maximum issue age is 65 years old 1.

  • ^Premium shown is for a Hong Kong female life assured aged 13, you apply the entry plan of “WeCare Accidental Hospital Cash Protector” for her, with 1 year policy benefit term, and the monthly premium is HK$24.9. The daily cost of HK$0.9 is achieved by spreading the monthly premium (HK$24.9) for the aforementioned conditions over 30 days.

Want to have a straightforward Accident Hospital Cash protection?
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    Basic Plan

  • Entry Plan

    Benefit Amount (Private Hospital)

    HK$500/Day

    Benefit Amount (Public Hospital)

    HK$200/Day


    Monthly premium as low as

    HK$

  • Standard Plan

    Benefit Amount (Private Hospital)

    HK$900/Day

    Benefit Amount (Public Hospital)

    HK$350/Day


    Monthly premium as low as

    HK$

  • Premium Plan

    Benefit Amount (Private Hospital)

    HK$1500/Day

    Benefit Amount (Public Hospital)

    HK$500/Day


    Monthly premium as low as

    HK$

We will assess your occupation as part of our underwriting process, and we may be required to 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 Benefits 2

Get to know more about the Plan

Entry Plan Standard Plan Premium Plan
Benefits Daily Hospital Income Benefit according to your selected plan level for any hospital stay as a result of an accident.
Provide different plan levels for both private and public hospitals, you are well covered staying in any hospital.
Coverage up to 14 days per accident and 2 accidents per Policy Year.
Benefit Amount Private Hospital
Public Hospital 		HK$500/day
HK$200/day		 HK$900/day
HK$350/day		 HK$1,500/day
HK$500/day
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.
Download products summary Download policy provision

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.
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