Critical illness insurance provides a lump sum payment if you are diagnosed with a covered critical illness during your policy benefit term. This payment can be used to pay for your treatments, provide support during recovery, and help your family whilst you are unwell. 

We cover cancer, heart attack and stroke. Our Critical Illness Benefit equals 100% of the Sum Assured, and you are also entitled to a death benefit amounting to 105% of premium paid for the current protection period if you die during the policy benefit term. We also offer complimentary protection to each of your eligible children under the same plan with up to HK$300,000 coverage.

For more plan details, please refer to our Product Summary.

Our product is designed to be accessible and simple to understand. It covers Hong Kong’s three leading critical illnesses —the essential coverage you need. It even covers your kids. You are just three assessment questions away from enjoying high coverage at an affordable cost. 

A Hong Kong identity card holder with a residential address in Hong Kong. You must be in Hong Kong when you purchase the plan. 

You can choose the amount of coverage to fit your budget. It is up to you to decide how much coverage you need and for how long. If you are diagnosed with a critical illness, you may no longer be able to work, and a loved one may need to be away from work to take care of you. You can choose an amount that will help take care of your bills and medical expenses when you are sick. It should make life easier for you and your family, so you can concentrate on getting better. 

You can click here to get a quotation and purchase a policy. 

¹ Cancer was the number one cause for admittance to hospital in Hong Kong in 2015. Circulatory diseases (including heart attacks) were the fourth highest. (Source: The 2015-2016 Hospital Authority Statistical Report) Cancer, Heart Attack and Strokes were three of the four biggest killers in 2016. (Source: Department of Health) 

² For the full list of exclusions, clauses and details about the product, please refer to the Product Summary and Policy Provisions . 

³ For details, please refer to the Product Summary and Policy Provisions . 

^A child is defined as he or she that is the biological or step or adopted child and has a lawful parent-child relationship with the Life Assured, and is below age 18. 

1. “Upgraded Offer: Up to 50% off for First-Year Premium on Selected WeCare Series Protection Plans Promotion” entitles applicants to enjoy up to 50% off the first-year premium of the policy upon successful application of “WeCare Term Life Protection Plan 1”, “WeCare Term Life Protection Plan 2”, “WeCare Critical Illness Protection Plan 1” and/or “WeCare Personal Accident Protection Plan 1” (“Selected Plans of WeCare Series”) between May 25, 2022 and June 30, 2022 (“Promotion Period of the Upgraded Offer”), subject to a maximum first-year premium discount of HK$2,500 per policy (“Upgraded Offer”).

2. To be eligible for Upgraded Offer, applicant must successfully complete the application and payment for Selected Plans of WeCare Series, using the designated promo code through the Company’s website within the Promotion Period of the Upgraded Offer (the "Eligible Application").

3. Upgraded Offer is subject to limited quota for the first 1,000 Eligible Application within the Promotion Period.

4. Upgraded Offer is only applicable to the premium during the first policy year of Selected Plans of WeCare Series where the premium is paid annually. Automatic renewal will be applied at policy anniversary. The policyholder is required to pay the premium at the original premium upon policy renewal.

5. Each applicant of the Upgraded Offer can apply for Selected Plans of WeCare Series under the Upgraded Offer for up to 4 times only.

6. The “WeCare Term Life Protection Plan 1” applied under Upgraded Offer, its sum assured is not adjustable before the first policy anniversary.

7. Under the Upgraded Offer, the premium paid will not be refunded if the policy of Selected Plans of WeCare Series is cancelled during the first year of the policy, except for reason under clause 8.

8. If the policyholder cancels the policy of Selected Plans of WeCare Series within the cooling-off period (21 Calendar Days), the Company will only refund the policyholder the actual premium paid under the Upgraded Offer.

9. The Upgraded Offer cannot be transferred, sold or exchanged for cash or its equivalent. The Upgraded Offer could be invalid if any applicant violates this clause.

10. All policy provisions of Selected Plans of WeCare Series remain unchanged. Please see the policy provisions for details.

11. The total premium includes insurance levy to be collected by the Insurance Authority.

12. The Upgraded Offer is only applicable to policies issued in Hong Kong.

13. The Company reserves the right to amend the terms and conditions of the Upgraded Offer or discontinue them at any time without prior notice.

14. The above information is for general reference only. It shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any products of the Company. Details of the coverage of Selected Plans of WeCare Series are subject to the policy provisions stipulated in the policy by the Company.

15. The Upgraded Offer is subject to these terms and conditions. The Company has the right to reject any applications and if there are any disputes, the Company's decision is final and conclusive.

16. Should there be any discrepancy between the English and Chinese versions, the English version shall prevail.

1. “Blue’s Staff Offer 2022: up to 90% off for First Year Premium on Selected WeCare Series Protection Plans Promotion” entitles applicants to enjoy up to 90% off the first year premium of the policy upon successful application of “WeCare Term Life Protection Plan 1”, “WeCare Term Life Protection Plan 2” , “WeCare Critical Illness Protection Plan 1” and/or “WeCare Personal Accident Protection Plan 1” (“Selected Plans of WeCare Series”) within the Promotional Period, subject to a maximum first-year premium discount of HK$2,500 per policy (“Promotion”).

2. This Promotion is available from now until 30 June 2022 (inclusive) (“Promotional Period”). To be eligible for this Promotion, applicant must successfully complete the application and payment for Selected Plans of WeCare Series, using the designated promo code through the website of Blue Insurance Limited (the “Company”) within the Promotional Period (the "Eligible Application").

3. This Promotion is subject to limited quota for the first 500 Eligible Applications within the Promotional Period.

4. This Promotion is only applicable to the premium during the first policy year of Selected Plans of WeCare Series where the premium is paid annually. Automatic renewal will be applied at policy anniversary. The policyholder is required to pay the premium at the original premium upon policy renewal.

5. Each applicant of the Promotion can apply for Selected Plans of WeCare Series under this Promotion for up to 4 times only.

6. The “WeCare Term Life Protection Plan 1” applied under this Promotion, its sum assured is not adjustable before the first policy anniversary.

7. Under this Promotion, the premium discount will not be refunded if the policy of Selected Plans of WeCare Series is cancelled during the first year of the policy, except for reason under clause 8.

8. If the policyholder cancels the policy of Selected Plans of WeCare Series within the cooling-off period (21 Calendar Days), the Company will only refund the policyholder the actual premium paid under the Promotion.

9. This Promotion cannot be transferred, sold or exchanged for cash or its equivalent. This Promotion could be invalid if any applicant violates this clause.

10. All policy provisions of Selected Plans of WeCare Series remain unchanged. Please see the policy provisions for details.

11. The total premium includes insurance levy to be collected by the Insurance Authority.

12. You are not authorized to act as the Company’s insurance agent. You are not authorized to advise nor arrange the purchase of any life insurance plan nor provide any sales support to your family/ friend(s). Your family/ friend(s) should not rely on any information, recommendation or advice provided by you in making a purchase decision.

13. You shall not in any way hold yourself as an agent/ or an insurance intermediary of Blue. You should not hold yourself as advising, negotiating, arranging, inviting, inducing nor attempting to invite nor induce your family/ friend(s) to enter into an insurance contract nor to make an application for an insurance contract. You must not conduct any regulated activities as defined under the Insurance Ordinance (Cap. 41).

14. This Promotion is only applicable to policies issued in Hong Kong.

15. The Company reserves the right to amend the terms and conditions of this Promotion or discontinue them at any time without prior notice.

16. The above information is for general reference only. It shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any products of the Company. Details of the coverage of Selected Plans of WeCare Series are subject to the policy provisions stipulated in the policy by the Company.

17. This Promotion is subject to these terms and conditions. The Company has the right to reject any applications and if there are any disputes, the Company's decision is final and conclusive.

18. Should there be any discrepancy between the English and Chinese versions, the English version shall prevail.

1. Promotion 3 entitles applicants to enjoy up to 90% off the first year premium of the policy upon successful application of “WeCare Term Life Protection Plan 1”, “WeCare Term Life Protection Plan 2” , “WeCare Critical Illness Protection Plan 1” and/or “WeCare Personal Accident Protection Plan 1” (“Selected Plans of WeCare Series”) within the Promotion Period, subject to a maximum first-year premium discount of HK$2,500 per policy.

2. To be eligible for Promotion 3, applicant must successfully complete the application and payment for Selected Plans of WeCare Series, using the designated promo code through the Company’s website within the Promotion Period (the "Eligible Application").

3. Promotion 3 is subject to limited quota for the first 1,000 Eligible Application within the Promotion Period.

4. Promotion 3 is only applicable to the premium during the first policy year of Selected Plans of WeCare Series where the premium is paid annually. Automatic renewal will be applied at policy anniversary. The policyholder is required to pay the premium at the original premium upon policy renewal.

5. Each applicant of the Promotion 3 can apply for Selected Plans of WeCare Series under the Promotion 3 for up to 4 times only.

6. For “WeCare Term Life Protection Plan 1” policies applied for under Promotion 3, the sum assured is not adjustable before the first policy anniversary.

7. Under Promotion 3, the premium paid will not be refunded if the policy of Selected Plans of WeCare Series is cancelled during the first year of the policy, except for reason under clause 8.

8. If the policyholder cancels the policy of Selected Plans of WeCare Series within the cooling-off period (21 calendar days), the Company will only refund the policyholder the actual premium paid under the Promotion 3.

9. Promotion 3 cannot be transferred, sold or exchanged for cash or its equivalent. Promotion 3 could be invalid if any applicant violates this clause.

10. All policy provisions of Selected Plans of WeCare Series remain unchanged. Please see the policy provisions for details.

11. The total premium includes insurance levy to be collected by the Insurance Authority.

12. Promotion 3 is only applicable to policies issued in Hong Kong.

13. The Company reserves the right to amend the terms and conditions of Promotion 3 or discontinue them at any time without prior notice.

14. The above information is for general reference only. It shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any products of the Company. Details of the coverage of Selected Plans of WeCare Series are subject to the policy provisions stipulated in the policy by the Company.

15. Promotion 3 is subject to these terms and conditions. The Company has the right to reject any applications and if there are any disputes, the Company's decision is final and conclusive.