Critical Illness Protection Hong Kong | WeCare

Big on coverage. Small on cost.

Covering the three leading critical illnesses ¹ – cancer, heart attack and stroke – our WeCare Critical Illness Protection Plan 1 (“WeCare CI1”) cuts down on the unnecessary to keep you focused on what matters most at a low cost, without any savings elements.

Simple Terms

Don’t worry about what is or isn’t covered. We are here to pay if you have cancer, a heart attack or stroke – it’s as simple as that.

Superb Value for Money

Enjoy critical illness coverage at a low cost, together with free DNA testing ² to help you with specific recommendations based on the results.

Extended Coverage

We know how important your kids are to you. We offer complimentary protection to each of your children under the same plan with up to HK$300,000 coverage.

Key Features and Benefits ³

Get to know more about our plan

Key Summary	Key Coverage / Options
Sum Assured (i.e. protection amount)	HK$100,000 – HK$2,500,000
Issue Age	18 - 65
Maximum Cover Age	85
Policy Benefit Term (i.e. protection period)	5 years / 10 years
Premium Payment Term (i.e. payment period)	Same as the selected Policy Benefit Term
Types of Critical Illness Covered	Cancer, Heart Attack, Stroke
Critical Illness Benefit	100% of Sum Assured
Children’s Critical Illness Benefit	50% of Sum Assured (subject to a maximum of HK$300,000 per child)
Compassionate Death Benefit	105% of total premiums paid for the current Policy Benefit Term

What’s also included?

Guaranteed policy renewal without answering any further health questions.

Premium remains unchanged during the payment period.

What's not covered²?

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.

Suicide within 1 year from the policy issue date will not be covered. The total premiums paid for the current protection period will be refunded.

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