WeCare 3-in-1 Protector

Full coverage, easy affordability

1 policy that covers all 3 areas of critical illness, personal accident, and life protection. Get up to HK$1 million of coverage with a daily premiums of as low as HK$4.3¹.

Full coverage, easy affordability

1 policy that covers all 3 areas of critical illness, personal accident, and life protection

Life is full of surprises and preparation is key to navigate the uncertainties you may encounter. Insurance can offer you protection against the unexpected and help to buffer you against unwanted financial surprises. Yet, with so many insurance products out there, it can be tough to compare between the difference coverages and prices. For many people, getting basic protection is a top priority – which is why it is important to have a plan that covers all your basic protection needs, allowing you to stride forward confidently through life’s various challenges.

Now available at an affordable premium, Blue’s WeCare 3-in-1 Protector is our new insurance product that gives you protection across critical illness, personal accident, and life protection.

KEY BENEFITS

1 policy, 3 types of protection

This one policy can meet all three of your basic protection needs of critical illness, personal accident, and life coverage²:

Our critical illness benefit covers cancer, heart attack, and stroke - the 3 major critical illnesses that make up 90% of all critical illness claims⁴ . In the event that the life assured is diagnosed with these covered critical illnesses⁵, you will receive 100% of the sum assured as a lump sum cash amount⁵ to ease the unexpected financial burden.

To support you through difficult times, our personal accident benefit will pay to 200% of the sum assured as a lump sum cash amount³ upon the death, dismemberment or total and permanent disability⁶ of the life assured within 180 days of the accident that caused such condition.

Our life cover provides you 100% of the sum assured as a lump sum cash amount³ upon the death of the life assured during the policy benefit term, giving your family the financial support they need.

Affordable protection for all

With a daily premium of as low as HK$4.3¹, you can sign up for n insurance plan that provides you comprehensive coverage across critical illness, personal accident, and life protection.

Easy application and claims process

To apply for this plan, simply answering a few health questions online – there’s no need for any medical examination. Once you have finished the online application and paid the premium, your policy will be in effect in as fast as the same day⁷.

To make a claim, just complete claim forms and submit required documents. Upon receiving your claim application, we will get back to you with a pre-assessment in as fast as 2 working days.

HOW IT WORKS

Jamie
Kelvin

Jamie

Age 25, Female, Non-smoker, Assistant accountant

(The following examples are purely hypothetical and for illustrative purposes only.)

Since graduating from university, Jamie has been financially supporting her parents. She is also planning to get married in the near future. Due to her limited budget, she needs an insurance plan that can protect herself and her family. Jamie decides to apply for the “WeCare 3-in-1 Protector” with a sum assured of HK$750,000 (HK$111 per month for the first year, renewed every year).

 

Year 3

Unfortunately, Jamie is involved in a traffic accident and became totally and permanently disabled⁶ as a result. She receives HK$1,500,000 as a lump sum personal accident benefit² (200% of the sum assured³), which helps to cover the cost of delaying her wedding and other living expenses.

Product Summary Table⁸

Basic Information

Policy Currency

Hong Kong Dollars

Issue Age⁹

Aged 18 – 55

Maximum Cover Age⁹

Death Benefit / Critical Illness Benefit: Aged 85
Personal Accident Benefit: Aged 75

Policy Benefit Term

1 year or 5 years

Premium Payment Term

Same as the Policy Benefit Term

Minimum Sum Assured (per policy)

HK$700,000

Maximum Sum Assured (per life assured)

HK$2,000,000, subject to the maximum limit of aggregate life and critical illness coverage per life.

Premium Payment Frequency

Monthly or Annually

Premium

• The premium will remain unchanged throughout the premium payment term.
• The premium rate will depend on age, gender, smoking status, health conditions and the premium payment term.

Waiting Period⁷

90 calendar days

Benefits

Death Benefit² ³

• 100% of the latest sum assured less any indebtedness.
• The Plan will be automatically terminated when this benefit is payable.

Critical Illness Benefit² ³ ⁵

• 100% of the latest sum assured less any indebtedness.
• The Plan will be automatically terminated when this benefit is payable.

Personal Accident Benefit² ³ ⁶

  • • 200% of the latest sum assured less any indebtedness.
  • • The Plan will be automatically terminated when this benefit is payable.
  • • The Personal Accident Benefit will be payable if the Life Assured sustains an injury which results in any of the following events within 180 days from the date of the Accident:
      1. Accidental Death; or
      1. Accidental Dismemberment; or
      1. A Total Permanent Disability.

Covered Critical Illnesses⁵

Covered critical illnesses⁵

• Cancer
• Heart Attack
• Stroke

The product information does not contain the full terms of the policy. The full terms can be found in the policy document.

“Blue Claim Easyᵀᴹ” Service

Claims Pre-Assessment

We offer ‘Claims Pre-Assessment’ to assist you if you are in doubt

Blue’s Promise

Blue promises to reply within 2 working days upon receipt of your claims.

Easy to apply with no medical examination required

Once you have finished the online application and paid the premium, your policy will be in effect in as fast as the same day⁷.

FAQS

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.

Product Video

Key Benefits

Product Video

Case Study