WeGuard PharmaEASY Protector
First-ever^pharmacy benefit plan
in Hong Kong

Feeling light-headed? Expenses in pharmacies are now covered!

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Respective terms and conditions apply to the above products and offers.
Respective terms and conditions apply to the above products and offers.

Prescription medicines, over-the-counter medicines, health supplements, vitamins and face mask are covered

Feeling unsafe to visit a doctor during the pandemic?

WeGuard PharmaEASY Protector (the "Plan") is the first ever^ pharmacy benefit plan in Hong Kong allows claims for actual pharmacy expenses at a discounted premium! The Plan also offers HK$100,000 Accidental Death Benefit and HK$5,000 Compassionate Death Benefit. Whether you want to get timely treatment or give a boost to your immune system, you can claim your actual spending on a variety of items – such as prescription medicines, over-the-counter medicines, Chinese tonic herbs, vitamins , health supplements and first aid supplies - at designated dealers1 including supermarket chains, personal care product retail chains, convenience stores, and even online stores. With our new easy-to-use platform, you can make your claim all online.

Wide range of medicines and health supplements

Medicines used to treat common cold and flu are covered. The Plan covers a wide range of prescription medicines, over-the-counter medicines, vitamins and health supplements. Even medicines and first aid supplies associated with daily care such as eye drops and painkillers and face masks are eligible for claims!

Easily accessible covering more than 5,000 designated dealers1

With over 5,000 designated dealers1 across Hong Kong, you can easily purchase medicines and health supplements from supermarket chains, personal care product retail chains and convenience stores – whether in store or online.

Effortless one-stop online insurance platform

You only need to answer a few simple questions to complete the online application. To submit a claim, all you need to do is to upload the picture of your official receipt, and we will reimburse you the eligible claim amount to your bank account directly in as fast as one working day!

^The statement we have made about this feature being ‘first-ever’ is based on comparing it with other available publicity of life insurance plans issued by Hong Kong’s major life insurance companies for individual customers as at 9 October, 2020.

Choose your plan now to enjoy Pharmacy Benefit.

Limited premium discount available now!

Entry Plan

HK$538/per year

Discounted 1st year premium

HK$

Annual premium HK$538

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  • Pharmacy Benefit
    HK$300 per policy year
  • Accidental Death Benefit
    HK$100,000
  • Compassionate Death Benefit
    HK$5,000

Protection period : 1 year

Standard Plan

HK$858/per year

Discounted 1st year premium

HK$

Annual premium HK$858

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  • Pharmacy Benefit
    HK$600 per policy year
  • Accidental Death Benefit
    HK$100,000
  • Compassionate Death Benefit
    HK$5,000

Protection period : 1 year

Premium Plan

HK$1,498/per year

Discounted 1st year premium

HK$

Annual premium HK$1,498

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  • Pharmacy Benefit
    HK1,200 per policy year
  • Accidental Death Benefit
    HK$100,000
  • Compassionate Death Benefit
    HK$5,000

Protection period : 1 year

Key features and benefits2
Get to know more about our plan


Entry Plan Standard Plan Premium Plan
Pharmacy Benefit Amount per policy year HK$300 HK$600 HK$1,200
Maximum Claim Amount for each claim

*Accumulated claim amount per policy year is subject to the maximum Pharmacy Benefit Amount per policy year

HK$100 HK$200 HK$400
Maximum number of claims per month Once per calendar month
Issue Age 18-65
Policy Benefit Term 1 year, yearly renewal to age 70

(guaranteed renewal for the first 3 policy years)

Premium Payment Term Same as the Policy Benefit Term
Premium Payment Frequency Annual
Accidental Death Benefit HK$100,000
Compassionate Death Benefit HK$5,000
Pharmaceutical products covered Click to show more +
Over-the-counter medication / Chinese medicine: Common cold medicines, cough medicine, gastrointestinal medicine, throat lozenge, painkiller, antipyretic, anti-Inflammatory medicines, anti-allergic agents and birth control pills

Health supplement and Chinese tonic: Heat relief drink, chicken essence, cardiovascular support supplements, ganoderma products, liver and kidney support supplements, cordyceps products, ginseng products, bird’s nest, vitamins and mineral supplements, bone and joint supplements, nutrition milk powder, nails support supplements, alcohol alleviants, heart support supplements, collagen supplements, hair support supplements, anti-aging and skin health support supplements, slimming supplements, men health supplements, digestive system support supplements, vision supplements, early childhood nutrition supplements (including infant's digestive support supplements), cod liver oil products, blood sugar / pressure manage supplements, prenatal vitamins and supplements

Topical medications and personal care products: Anti-epedemic products (eg. surgical mask, sanitizing wipes, thermometer, sanitizer, disinfectant spray, face shield, portable air purifier) and medical devices (eg. blood pressure monitor), first-aid supplies, pain relief patch, massage cream / Pain relief spray, medicinal oil / medicinal cream, mouth ulcer patch/ spray / gel, acne gel / patch, soothing cream (eg. anti-dermatomycosis cream, eczema relief cream), eye-drops, ear cleansing wash, mosquito repellents, nasal decongestant / nasal wash, sore throat spray, fungal nail medicines, moisturizer (eg. lotion, mask, hand cream etc.), lip care products (lip balm, cold sore treatment etc.), oral care products (eg. anti-sensitivity toothpaste, mouthwash)
Designated Dealers Click to show more +
Mannings, Watsons, DON DON DONKI, 7-Eleven convenience store, Circle K convenience store, PARKnSHOP supermarket, Wellcome supermarket, YATA Supermarket, c!ty'super, Aeon, UNY, APITA, SOGO, 759 Store, Yue Hwa Chinese Products, Ausupreme, Brand's, Catalo, Comvita, GNC, Adrien Gagnon, Nu Pharm, Doctor’s Choice, Eu Yan Sang, Royal Medic, Vita Green, Wai Yuen Tong, Beijing Tong Ren Tang, Ma Pak Leung, Lao Xie Zhen, Cheong Kwan Jang, Tian Yuan Xiang, Imperial Bird’s Nest, Lo Hong Ka, Healthwork, Hung Fook Tong, Hoi Tin Tong and etc.

Online merchants:
HKTV mall, Ztore, Big Big Shop, iHerb.com, Herbalife, Health.ESDLife

The product information does not contain the full terms of the policy and the full terms can be found in the policy document.

A simple 4-step claim procedure

1. Log in to your account within 30 days of your purchase.

2. Fill in the claim info (such as product types, date of purchase, and name of the designated dealers etc.)

3. Fill in your FPS/bank account information to receive the claim amount. The FPS/bank account set-up is only required at your first claim.

4. Complete!

Effortless one-stop online insurance platform

Get your claim in as fast as one working day!

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FAQS

What is WeGuard PharmaEASY Protector?

Answer: Under the protection period of WeGuard PharmaEASY Protector, you can apply for a reimbursement for the eligible expenses of over-the-counter medicines, Chinese tonic herbs, vitamins and health supplements. You are only required to upload the official receipt within 30 calendar days of purchase to your online account to claim for your actual cost of expenses. Accumulated claim amount per policy year is subject to a ceiling which is the Pharmacy Benefit Amount per policy year.

Does WeGuard PharmaEASY Protector only cover medicines for illnesses?

Answer: Prescription medicines, over-the-counter medicines, Chinese tonic herbs, health supplements, anti-epidemic products and etc at designated dealers1 are all covered. In general, there are three categories of eligible items, including drugs / medicines, health supplements / Chinese tonic and topical medication / personal care products. Here are some examples:

Drugs / medicines: Painkillers, cold and flu medicines, lozenges, Chinese medicines, skin care products for acne/ allergy / infections/ dry skin (e.g. moisturizing lotion, lip balm, hand cream, acne cream), oral care products (e.g. anti-sensitive toothpaste, mouthwash), insect repellent, contraceptive pills, eye drops, and etc.

Health supplement: Vitamins, health beverage, collagen, milk powder, bones and joints supplement, Chinese herbal supplement, fat burner and etc.

Topical medication and personal care products: Anti-epidemic products (eg. Surgical mask, sanitizing wipes, sanitizer, disinfectant spray), first-aid supplies (eg. Bandages, sanitary gloves, cooling gel sheet), medical devices (eg. Thermometer, blood pressure monitor), skin care products (eg. moisturizing lotion, mask, lip balm, hand cream, acne gel, eczema relief cream), oral care products (eg. anti-sensitivity toothpaste, mouthwash), mosquito repellents, eye drops and etc.

Where can I get pharmaceutical products or health supplements with WeGuard PharmaEASY Protector?

Answer: You can purchase eligible items at more than 5,000 designated dealers1, such as Mannings, Watsons, DON DON DONKI, 7-Eleven convenience store, Circle K convenience store, PARKnSHOP supermarket, Wellcome supermarket, YATA Supermarket, c!ty'super, Aeon, UNY, APITA, SOGO, 759 Store and etc. In addition, online merchants including HKTV Mall, Ztore, Big Big Shop, iHerb.com and Herbalife are included, all offline and online stores of designated dealers are covered. The list of designated dealers will be updated by the Company from time to time.

How many times I can apply for the Plan?

Answer: You can apply the Plan once; and the Plan is subject to limited quota.

Why should I buy WeGuard PharmaEASY Protector?

Answer: The Plan allows you to enjoy the Pharmacy Benefit based on the actual cost of expenses. Applying for the Plan with the discounted premium for the 1st and 2nd year, you can make your pharmacy purchases at a discount, and minimize your medical expense.

You can also enjoy accidental life protection at a minimal cost.

How to calculate the maximum number of claims per month?

Answer: The maximum number of claims per month is one, and that is determined by the date of purchase on your receipt. You can make a claim within 30 calendar days after purchase.

For example, if the receipt date is Oct 25, you will be using the claims quota for Oct, while you can submit the receipt on or before Nov 24.

Who can buy WeGuard PharmaEASY Protector?

Answer: You must be a Hong Kong identity card holder aged 18 or above with a residential address in Hong Kong in order to be eligible to buy WeGuard PharmaEASY Protector. You must be in Hong Kong when you purchase the Plan.

Do I need to provide any doctor’s certification together with the official receipt from designated dealers?

Answer: No. You just need to provide an official receipt from designated dealers when you make your claim online.

Can I reimburse the expenses of discounted items?

Answer: Sure! We will reimburse your eligible expenses with the Plan and you can therefore enjoy discount(s) of your purchased item(s) at the same time.

How do I use iAM Smart authentication for policy application?

Answer: Select the insurance product which you want to apply for and answer few simple questions, please choose the “ iAM Smart” function to conduct authentication.

After select “iAM Smart” option,

  • for desktop version, scan the QR code on the webpage by the mobile device which has been logged in with "iAM Smart" account.
  • for mobile version, open the "iAM Smart" app installed in the same mobile device directly.

Please follow the instruction on the screen to complete the verification process, and continue your online policy application.

For the registration methods and to download "iAM Smart", please visit the "iAM Smart" website for more information.

Click for important notes and disclaimers

  1. The list of designated dealers cover Licensed Drug Dealers from Drug Office of Department of Health, and also our designated merchants.
  2. For plan details, please click here

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.

Terms and conditions of the “WeGuard PharmaEASY Protector’s discounted premium”

  1. The “WeGuard PharmaEASY Protector’s discounted premium” entitles applicants to enjoy the 1st and 2nd year discounted premium of “WeGuard PharmaEASY Protector” for Entry Plan, Standard Plan or Premium Plan (this “Promotion"), with details as below;

    Entry Plan Standard Plan Premium Plan
    Discounted premium for 1st and 2nd year HK$158/per year HK$498/per year HK$988/per year
  2. This Promotion is offered by Blue Insurance Limited (the “Company”).
  3. This Promotion is available between 1 November 2020 to 31 December 2021 (both dates inclusive) (“Promotional Period”). To be eligible for this Promotion, applicant must successfully complete the application and payment for “WeGuard PharmaEASY Protector” (the “Plan”) through the Company’s website within the Promotional Period ("Eligible Applicant").
  4. This Promotion is subject to a limited quota for the first 1,000 Eligible Applicants within the Promotional Period.
  5. Each Eligible Applicant can only enjoy this Promotion once.
  6. This Promotion is only applicable to the premium during the first and second policy year of the Plan. Automatic renewal will be applied at the expiry of the benefit term and the policyholder is required to pay the premium at the original price.
  7. Under this Promotion, no plan changes are permitted during the first and second policy year of the Plan. Cancellation of the Plan’s policy, except for reason under clause 8, will not result in any premium refunds.
  8. If the policyholder cancels the Plan’s policy within the cooling-off period from the policy issue date, the Company will only refund the policyholder the actual premium paid under the Promotion.
  9. This Promotion cannot be exchanged for cash, credit or any other value in part or in whole or its equivalent.
  10. All policy provisions of the Plan remain unchanged. Please see the policy provisions for details.
  11. The total premium includes insurance levy to be collected by the Insurance Authority.
  12. This Promotion is only applicable to the policies issued in Hong Kong.
  13. This Promotion cannot be enjoyed in conjunction with any other promotion or discount offers for the same insurance product.
  14. The Company reserves the right to amend the terms and conditions of this Promotion or discontinue them at any time without prior notice.
  15. 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 the Plan are subject to the policy provisions stipulated in the policy by the Company.
  16. This Promotion is subject to these terms and conditions. The Company has the right to reject any applications. If there are any disputes, the Company's decision is final and conclusive.
  17. Should there be any discrepancy between the English and Chinese versions, the English version shall prevail.