WeCare Carcinoma-in-situ (CIS) Protector

CIS Protection with the highest Benefit Amount#

The Premium as low as HK$0.5 per day^

WeCare Carcinoma-in-situ (CIS) Protector

Full cash payment and highest Benefit Amount#

Is carcinoma in situ (CIS) covered in your cancer insurance plan? Does it provide you full cash benefit? WeCare Carcinoma-in-situ (CIS) Protector (the “Plan”) offers you an extensive CIS protection regardless of the organ affected¹, covering cervical carcinoma in situ, breast carcinoma in situ, colorectal carcinoma in situ and other CIS . A lump sum of cash benefit equivalent to 100% of the Benefit Amount will be granted upon diagnosis of CIS to provide you living and medical support.

All organs are covered¹

The Plan provides you the comprehensive CIS coverage for all applicable organs¹. Upon diagnosis of a covered illness, a lump sum cash payment equivalent to 100% of Benefit Amount will be granted to cope with your everyday expense and medical expense.

CIS Protection with the highest Benefit Amount

The Plan designed for CIS offer you the maximum Benefit Amount of HK$500,000. The monthly premium of the entry plan is as low as HK$12.8^ with HK$200,000 Benefit Amount.

Seamless application in as fast as 5 minutes

No medical examinations or additional documents are required for the plan. Answer three health assessment questions and the online application can be completed in as fast as 5 minutes.

#The statement we have made about this feature being highest Benefit Amount’ is based on comparing it with other available publicity of critical illness protection plans issued by Hong Kong’s major life insurance companies for individual customers as at 9 October, 2020.

^Premium shown is for a Hong Kong non-smoking male aged 18, apply for the entry plan of “WeCare Carcinoma-in-situ (CIS) Protector” with 1 year policy benefit term, and the monthly premium is HK$12.8 The daily cost of HK$0.5 is achieved by spreading the monthly premium (HK$12.8) for the aforementioned conditions over 30 days.

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Gender
Age
Smoking Status
18
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Entry Plan

Monthly premium as low as

HK$
/month

Discount Code

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Standard Plan

Monthly premium as low as

HK$
/month

Discount Code

--

Your age cannot purchase this product.

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Premium Plan

Monthly premium as low as

HK$
/month

Discount Code

--

Your age cannot purchase this product.

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We will assess your health conditions 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

Premium Plan

Benefits

  • An extensive cancer benefit covering carcinoma in situ (CIS), early-stage cancer and serious cancer
  • A lump sum cash payment equivalent to 100% of Benefit Amount will be granted upon diagnosis of any stage of cancer

Benefit Amount

HK$200,000

HK$400,000

HK$500,000

Issue Age

18-65

Maximum Cover Age

85

Policy Benefit Term

1 year, yearly renewal to age 85

Premium Payment Term (i.e. 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 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.
.Waiting period is 60 days. No benefit for CIS, early-stage cancer and serious cancer shall be payable if the sign(s) and/or symptom(s) within sixty (60) days from the Policy Issue Date; or the date of reinstatement of the Policy (whichever is later)

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

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.