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Compare Blue’s Critical Illness Insurance Plans

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Tips for Comparing Critical Illness Insurance Plans: Common Questions for Choosing a Critical Illness Insurance Plan in Hong Kong

What is cancer insurance?

Cancer insurance plan is a type of critical illness insurance, under which the insured will receive a lump sum payment or reimbursement on the actual medical expenses when any covered cancer is unfortunately diagnosed. Blue’s cancer insurance plans provide a lump sum payment, which has no restriction on how to use the payment, and the insured may use it for the purposes other than hospitalization and medical treatment arising from the critical illness.

What is the waiting period?

The waiting period of a critical illness insurance plan refers to the period after the policy takes effect, during which the insurer will not provide the benefits even if the insured is diagnosed with a covered illness. The waiting period for a critical illness benefits ranges from 90 days to 180 days in general, while that of Blue is 60 days for all of its critical illness plans.

Can I apply for critical illness insurance after getting cancer?

In general, a critical illness plan will automatically terminate after the insured is diagnosed and receives the lump sum payment. If a patient wants to re-enroll in a critical illness plan after recovery, some insurers will reject the application by taking into account the relevant medical record, while some offer special protection plans targeting high-risk individuals for recurrence of critical illnesses.

Should I apply for a pure critical illness plan or a lifelong critical illness plan with savings benefit?

Critical illness insurance is generally divided into lifelong plans with savings and pure critical illness plans without savings. For those with savings, the premium is higher since part of it will be reserved for savings purpose, and the coverage is lifelong. The premium of pure critical illness plans will be solely used for the coverage and is therefore lower, while protection period varies among different available plans.

How much coverage do I need for my critical illness plan?

In general, it is recommended to have a critical illness coverage which is 2 to 3 times of the annual salary of the insured, because the treatment and recovery period for critical illnesses such as heart attack, stroke and cancer takes 2 to 3 years. Critical illness benefits should be enough to cover the daily expenses during the period.
Compare Blue’s Critical Insurance Plans

WeCare 109% Refundable Critical Illness Protector

A plan with critical illness protection or to grow your wealth at the same time

  • Guarantees 109% refund of the total premiums paid upon policy maturity if no claim for covered critical illnesses has been made during the benefit period

  • Coverage against 38 critical illnesses and 4 special illnesses

  • If you become unemployed, you may apply for an extended grace period from the 2nd policy year to defer payment of the premium.  The extended grace period is up to 1 year.

Limited Offer:
  • Enjoy HK$1,000 medical check-up e-voucher+ upon successful application with designated premiums


WeCare Critical Illness Protection Plan 1

Covering 3 leading Critical Illnesses: Cancer, Heart Attack and Stroke

  • Get your surgery fee, medical and rehabilitation treatment spending covered with a lump sum payment

  • Guaranteed policy renewal without submitting further health supporting documents

  • Critical illness protection without any savings elements

Free additional coverage:
  • Complimentary protection to each of your children at age under 18 with up to HK$300,000 coverage


WeCare Cancer All-in-One Protector

Cover all stages and organs^ True all-round cancer protection

  • Cancer protection covering carcinoma-in-situ (CIS), early-stage cancer and serious cancer

  • No medical examinations or additional documents are required

  • 100% benefit amount available for all stages^

Monthly premium
  • as low as HK$30¹


WeCare Carcinoma-in-situ (CIS) Protector CIS

Specific for Carcinoma-in-situ (CIS) cancer coverage Highest benefit amount in Hong Kong# regardless of the organ affected

  • Covering cervical carcinoma in situ, breast carcinoma in situ, colorectal carcinoma in situ^

  • No medical examinations or additional documents are required with seamless application in as fast as 5 minutes

  • Carcinoma-in-situ (CIS) cancer coverage with highest benefit amount in Hong Kong#. Maximum benefit amount up to HK$500,000.

Monthly premium
  • as low as HK$15 ²