人壽保險 純人壽保險 mobile

WeCare Term Life Protection Plan 1

Flexible protection

Allows you to adjust the sum assured without any charge

It's okay to be fickle

Who says life insurance policies are all rigid? Flexible, simple, and affordable, WeCare Term Life Protection Plan 1 (“WeCare TL1”) is the term life insurance plan that you can adjust as your life changes.

Super Flexible

Longer or shorter period, higher or lower amount - you can change the plan as you need without any penalties. Get back a portion of what you pay if you change your mind¹.

Quick and Easy

Answer three health assessment questions. Get instant approval. Ditch the troublesome paperwork.

Lower Cost, Greater Protection

Tailor your coverage at an affordable cost to cover what you need — up to HK$8 million!

Flexible life protection that evolves with you

Take a look at what the plan can offer as Tom advanced in life

When Tom started his career
When Tom started a family
When Tom retired

When Tom started his career

Tom was a 25-year-old aspiring accountant when he bought a WeCare TL1 policy for HK$1,000,000 for 10 years' coverage. Five years later Tom got a promotion. With a higher salary, he increased the protection amount to HK$2,000,000. Tom changed the plan by just answering a few simple questions online.

Key Features and Benefits²

Key Summary

Key Coverage / Options

Sum Assured (i.e.protection amount)

HK$ 250,000 - HK$ 8,000,000

Issue Age

18-65

Maximum Cover Age

85

Policy Benefit Term

1-30 years, or to age 65

Premium Payment Term (i.e. payment term)

Same as the selected Policy Benefit Term

Plan change on Sum Assured, Policy Benefit Term and Premium Payment Term

Anytime, and you can change your policies twice within 12 months from the policy effective date or the last policy anniversary

More features¹:

What's not covered²?

  • Get some money back 1(if any) if you make a plan change, terminate your policy, or you fail to pay a premium resulting in policy termination.
  • Guaranteed policy renewal without answering further health questions.
  • Premium remains unchanged during the payment period.
  • 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.

Buy Now & Get Protected Instantly

Take the first step to life protection.

"Blue Claim Easy™️” 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

Frequently Asked Questions

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.

Remarks: Premium shown is for a Hong Kong non-smoking female aged 18, with a Sum Assured of HK$250,000 with a yearly renewable term. The daily cost of HK$0.22 is achieved by spreading the annual premium (HK$80) for these conditions over a 12-month period.