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Key Benefits
Protection Plan
What’s Covered
FAQS

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 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 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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  • Entry Plan

    Benefit Amount:

    HK$200,000


    Monthly premium as low as

    HK$

  • Standard Plan

    Benefit Amount:

    HK$400,000


    Monthly premium as low as

    HK$

  • Premium Plan

    Benefit Amount:

    HK$500,000


    Monthly premium as low as

    HK$

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.

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Key Features and Benefits2

Get to know more about the Plan

Entry Plan Standard Plan Premium Plan
Benefits CIS protection covering various carcinoma-in-situ (CIS)
A lump sum cash payment equivalent to 100% of Benefit Amount will be granted upon diagnosis of CIS.
Benefit Amount HK$200,000 HK$400,000 HK$500,000
Issue Age Age 18 to 65
Maximum Cover Age 85
Policy Benefit Term 1 year, yearly renewal to age 85
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.
Waiting period is 60 days. No benefit for CIS 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.

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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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