WeCare Personal Accident Protection Plan 1

Personal accident insurance provides a lump sum payment if you suffer an injury and that injury results in death, dismemberment, permanent disability or third degree serious skin burn. You may consider buying personal accident insurance because the lump sum payment can be used to help provide some financial security for you and your loved ones if you suffer an injury or death due to an accident. 

Our plan does not just offer protection for injury, accidental death, dismemberment, permanent disability or third degree serious skin burn due to an accident. We will double your accidental death protection amount at no additional cost in these three scenarios: (1) when you are travelling overseas for no more than 30 days, (2) travelling in a public common carrier as a fare paying passenger, or (3) you and your spouse both die in the same accident. Our cover also offers a lump sum payment if you get an infectious disease such as Malaria or Dengue Fever. 

A Hong Kong identity card holder with a residential address in Hong Kong. 

Yes, any change of occupation shall be notified in 30 working days. Since occupation changes may result in new premium(s) amount, and will be applied from the next premium due date/renewal date or even policy termination.There are 2 conditions: 

1. When the new occupation is insurable  After the receipt of the occupation change notification, premium will be adjusted based on the new occupation class from the next premium due date. 

2. When the new occupation is not insurable  After the receipt of the occupation change notification, your policy will be terminated. Premium paid for the period between the last monthiversary and the end of the current Policy Year will be refunded. 

During claims assessment, if Blue discovers you have not notified Blue for change of occupation to a class which is not insurable and your claims arise from injury directly or indirectly related to such occupation, Blue will not be liable for the claims. Blue reserves the right to terminate the policy and refund premium paid for the period between the last monthiversary of the date of the accident and the end of the current Policy Year. 

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

¹ For the full list of eligibility, benefit and details about the product, please refer to the Product Summary and Policy Provisions . 

^15 infectious diseases are covered, including Dengue Fever, Avian Influenza, Mumps, Rubella, Measles, Malaria, Yellow Fever, Plague, Melioidosis, Rabies, Chikungunya, Nipah Viral Encephalitis, Japanese Viral Encephalitis, Mad Cow Disease and Zika.  #Your accidental death protection amount will be double in these three scenarios: (1) when you are travelling overseas for no more than 30 days, (2) travelling in a public common carrier as a fare paying passenger, or (3) you and your spouse both die in the same accident. 

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.