We wish to stay healthy and never need to claim for any critical illness. Meanwhile, you may think that critical illness coverage is a waste of money if you have been paying the premiums for many years with no claims being made.
Blue offers a flexible critical illness insurance plan – WeCare 109% Refundable Critical Illness Protector – leaving you the critical illness protection, or the growth of wealth: In the event of being diagnosed with any of the covered critical illness, we will give you a critical illness benefit. If you do not make a critical illness claim throughout the benefit period, we will give you a 109% premium refund upon policy maturity.
The product information below does not contain the full terms of the policy and the full terms can be found in the policy document.
If no claim for covered critical illnesses has been made during the benefit period, the plan guarantees 109% refund of the total premiums paid upon policy maturity.
Receive a critical illness benefit equivalent to 100% of the sum assured¹ upon the diagnosis of any of the covered 38 common critical illnesses.
Receive a special illness benefit equivalent to 20% of the sum assured upon the diagnosis of any of the 4 covered special illnesses².
If you become unemployed, you can apply for an extended grace period of up to 1 year to defer payment of the premium³.
In the event of being diagnosed with any of the covered critical illness, you will receive 100% of the sum assured¹ as a lump sum cash amount through the critical illness benefit, helping you to ease the financial impact of medical costs.
On the other hand, if you are in good health without needing to claim for any covered critical illness, the plan guarantees 109% premium refund of the total premiums paid upon the death of the life assured or at the end of the 10ᵗʰ policy year.
Did you know? Cancer, heart attack and stroke are the 3 major critical illnesses that make up 90% of the claims for critical illness. Out of that number, cancer alone accounts for 70%-80% of the total claim amount⁴.
The plan offers coverage against 3 major critical illnesses and 35 common types of critical illnesses, so you can be better protected against unexpected health conditions. In the event of being diagnosed of a covered critical illness, you will receive 100% of the sum assured¹ as a lump sum cash amount.
Research states that patients who have received early diagnosis of carcinoma-in-situ and early stage malignancy of specific organs are more likely to be cured if they have received treatment in earlier stage, for example, the survival rate of early-stage breast cancer is 90% higher if treatment is received in an early stage⁵.
Therefore, the plan provides an additional 20% of the sum assured² as a lump sum cash amount for 4 covered special illnesses, including carcinoma-in-situ, early-stage malignancy of specific organs, benign tumour (with surgical excision) and other illnesses (with intensive care unit stay) , so that you can receive timely treatment without financial worries.
The claim for special illnesses will not affect the amount payable under critical illness benefit¹ and that of the premium refund at policy maturity under designated conditions.
If you become unemployed after the policy has been issued for 1 year, you can apply for an extended grace period of up to 1 year to defer payment of the premium³. During the extended grace period, you can still enjoy the relevant critical illnesses protection.
Simply apply by answering 4 health questions online.
No medical report is required for the application.
The policy could be issued in as fast as a day after you’ve completed the application and paid the premium.
Jacky Age 35 Non-smoker Jacky is married and has a son. He is the sole breadwinner of his family of three. He is worried about the high cost of buying critical illness insurance at his age and paying for the rising premium rates as he gets older. He wants to find an insurance plan that can provide financial protection for his family while including a premium refund. After browsing different options, Jacky decided to apply for a “WeCare 109% Refundable Critical Illness Protector” with a sum assured of HK$600,000 (5 years premium payment term with HK$2,559 per month).
Kelly Age 23 Non-smoker Kelly has just graduated from university and is now working in the advertising industry. Due to her long and unstable working hours, Kelly is concerned about her health and hopes to get herself a critical illness insurance plan.
However, Kelly is worried that she will be locked into a fixed policy for the next 10-20 years if she applies for a critical illness insurance plan now, placing a heavy financial burden on her as a young professional.
Kelly is looking for a plan that will provide her with critical illness protection without the limitations of a long-term commitment, so she can realise her savings goals at the same time. After browsing different options, Kelly bought “WeCare 109% Refundable Critical Illness Protector” with a sum assured of HK$300,000 (3 years premium payment term with HK$1,476 per month).
Hong Kong Dollars
18 – 65
Maximum Cover Age²
Policy Benefit Term
Premium Payment Term
3 or 5 years
Minimum Sum Assured (per policy)
Maximum Sum Assured (per Life Assured)
Premium Payment Frequency
Monthly or Annually
60 calendar days
Compassionate Death Benefit⁴
Critical Illness Benefit⁶
Special Illness Benefit⁶
Premium Refund Benefit
If the Plan is terminated due to (i) policy maturity date, (ii) termination by policyholder or (iii) non-payment of premium, this benefit shall be payable in accordance with the following table as a percentage of total premiums paid⁵, the value of such percentage is determined by reference to the policy year in which the policy is terminated as follows. If the effective date of termination falls on the policy anniversary within the premium payment term, the percentage of total premiums paid⁵ shall correspond to the policy year prior to the policy anniversary referred to herein:
Premium levy will not be refunded upon the payment of this benefit.
Covered critical illnesses and special illnesses
Covered critical illnesses⁷
Covered special illnesses⁷
For the full terms and benefits of the policy, full lists of exclusions, please refer to policy provisions.
Age means age of last birthday of the Life Assured.
No benefits will be payable if the signs and/or symptoms of any covered critical illnesses or special illnesses manifested within 60 calendar days from the policy issue date or the date of last reinstatement, whichever is later.
The Compassionate Death Benefit is not payable if the death results immediately from a covered critical illness and a Critical Illness Benefit is payable.
Total premiums paid means the total sum of premium already due and paid by the Policyholder under the Plan.
Critical Illness Benefit and Special Illness Benefit shall only cover the critical illnesses and specified illnesses listed in the appendix of the policy provisions, please refer to the policy provisions for details.
Please refer to the appendix of the policy provision for the definitions of the covered critical illnesses and special illnesses.
The product information does not contain the full terms of the policy and the full terms can be found in the policy document.
WeCare 109% Refundable Critical Illness Protector
WeCare Critical Illness Protection Plan 1
38 critical illnesses and 4 special illnesses
3 major critical illnesses
Policy Benefit Term
5 years/10 years
Premium Payment Term
3 years/5 years
Same as the selected Policy Benefit Term
Critical Illness Benefit
Children’s Critical Illness Benefit
Special Illness Benefit
Premium Refund Benefit
Compassionate Death Benefit
We offer ‘Claims Pre-Assessment’ to assist you if you are in doubt
Blue promises to reply within 2 working days upon receipt of your claims.
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.