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WeGuard PharmaEASY Protector

First-ever^pharmacy benefit plan in Hong Kong

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

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 hour!

  • ^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

Annual premium as low as


Discount Code


Your age cannot purchase this product.

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Standard Plan

Annual premium as low as


Discount Code


Your age cannot purchase this product.

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Premium Plan

Annual premium as low as


Discount Code


Your age cannot purchase this product.

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Key Features and Benefits²

Entry Plan

Standard Plan

Premium Plan

Pharmacy Benefit Amount per policy year




Maximum Claim Amount for each claim *Accumulated claim amount per policy year is subject to the maximum Pharmacy Benefit Amount per policy year




Maximum number of claims per month

One per calendar month

Issue Age


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


Accidental Death Benefit


Compassionate Death Benefit


Pharmaceutical products covered

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

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

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

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

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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.

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4. Complete!

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Effortless one-stop online insurance platform

Get your claim in as fast as one working day!

What is WeGuard PharmaEASY Protector?
Does WeGuard PharmaEASY Protector only cover medicines for illnesses?
Where can I get pharmaceutical products or health supplements with WeGuard PharmaEASY Protector?
How many times I can apply for the Plan?
Why should I buy WeGuard PharmaEASY Protector?
How to calculate the maximum number of claims per month?
Who can buy WeGuard PharmaEASY Protector?
Do I need to provide any doctor’s certification together with the official receipt from designated dealers?
Can I reimburse the expenses of discounted items?
How do I use iAM Smart authentication for policy application?
Click for important notes and disclaimers

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”

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