Why should I buy the WeCare 3-in-1 Protector?

Life can change suddenly when you are least expecting it. This is why we have launched the WeCare 3-in-1 Protector to provide you with critical illness, death, and personal accident benefits at affordable premium that you can easily factor into your budget. Our 3-in-1 plan can satisfy all your basic protection needs even as you enter different life stages.

What are the benefits of the WeCare 3-in-1 Protector?

The WeCare 3-in-1 Protector offers critical illness, death and personal accident benefits.The critical illness benefit covers 3 major critical illnesses including cancer, heart attack, and stroke. It is equal to 100% of the sum assured of this policy and will be paid out if the life assured is diagnosed with one of the covered critical illnesses during the policy benefit term. The death benefit is equal to 100% of the sum assured of this policy. It will be paid if the life assured dies during the policy benefit term. The personal accident benefit is equal to 200% of the sum assured of this policy. It will be paid if the life assured sustains an injury that results in accidental death, accidental dismemberment or a total permanent disability within 180 days from the date of the accident. The policy will be terminated when the policyholder successfully claims one of the above benefits (critical illness benefit, death benefit or personal accident benefit).

Who can buy the WeCare 3-in-1 Protector?

The WeCare 3-in-1 Protector is available to any Hong Kong identity card holder aged 18 to 55 with a residential address in Hong Kong.

Does the WeCare 3-in-1 Protector offer auto-renewal?

Yes, the WeCare 3-in-1 Protector offers auto-renewal with no further health questions asked during the renewal process. The premium will be adjusted at a rate determined by Blue at the time of the policy renewal.

Do I need to notify Blue of my occupational change?

Yes, we will need to be notified of any changes in your occupation within 30 working days. Changes of occupation may result in the termination of personal accident benefit and no premium will be refunded.

WeCare 3-in-1 Protector

KEY BENEFITS HOW IT WORKS WHAT’S COVERED FAQS

Apply Now

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 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 an 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

Kelvin

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: Accidental Death; or Accidental Dismemberment; or 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.

Product Summary Policy Provision

“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.

View claims info

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