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

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

Children’s medical expenses become a burden on your pocket?
Are your parents reluctant to visit the doctor even when getting sick?

WeMedi Outpatient Protector (the “Plan”) offers a great discount on your policy excess, covering 7 types of outpatient services anytime throughout the year, namely General Practitioner consultation, Specialist consultation, Physiotherapy treatment, Chinese Herbalist consultation, Chinese Bone Setting treatment, Acupuncture treatment and Chiropractor treatment. With a discounted premium of HK$238, you can enjoy Preferential Consultation Charge to receive outpatient services right away!

Enjoy discount1 on outpatient services with standard charges

No matter which designated clinic you visit, you will be charged at a standard rate for each category of outpatient services under the Plan. After enrollment, you are eligible to receive outpatient services with discount. Our outpatient services cover General Practitioner consultation (inclusive of 3 days basic medication), Specialist consultation (inclusive of 4 days basic medication), Physiotherapy treatment , Chinese Herbalist consultation, Chinese Bone Setting treatment, Acupuncture treatment and Chiropractor treatment. You can now minimize the medical expenses and guard the health of yourself and your family.

More than 700 doctors for consultation and no claim is needed

There are 700+ designated doctors to serve you throughout Hong Kong Island, Kowloon and New Territories. You will receive your dedicated e-medical card via email. Simply show your e-medical card to enjoy your discount anytime throughout the year without needing to make a claim.

Coverage for all ages alike

Elderlies and children visit clinics rather more often. Would you like to minimize the medical expenses ? Enroll the Plan now for designated family members2 to enjoy discounts on outpatient services. The issue age of the Plan is 15 days to age 80.

Want to enjoy outpatient services at a discount? Apply now!

Discounted first-year premium

HK$

Annual PremiumHK$338

HK$ 338

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Unlimited outpatient services per year3

Key features and benefits4

Get to know more about our plan

Key Summary Key Coverage
Issue Age 15 days - 80
Maximum Cover Age 85
Policy Benefit Term 1 year
Premium Payment Term 1 year
Frequency of Payment Annual, yearly renewal to age 85 (guaranteed renewal for the first 3 policy years).
Compassionate Death Benefit HK$1,000
What's not covered4?

  • Any expense charged for treatment or medications not covered under the policy will not be reimbursed. Any conditions caused by alcohol and drugs that are not prescribed by a doctor will not be covered as well.

  • The Compassionate Death Benefit is not payable due to suicide within 1 year from the policy issue date. The total premiums paid for the current protection period will be refunded.

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

Benefits

Outpatient Services Preferential Consultation Charge*
General Practitioner consultation
(Inclusive of 3 days basic medication) 		HK$195
Specialist consultation
(Inclusive of 4 days basic medication)		 HK$480
Physiotherapy treatment
(Referral letter is needed)		 HK$300
Chinese Herbalist consultation HK$180
Chinese Bone Setting treatment HK$250
Acupuncture treatment HK$280
Chiropractor treatment
(Referral letter is needed)		 HK$450

  • *The Preferential Consultation Charge for each category (“The Charge”) will be increased within 10% in May 2022 due to medical inflation. Please note that The Charge may be increased within 10% every calendar year starting from 1 January 2023 due to medical inflation. We will notify you The Charge in advance of such an increase.

Download Product Summary Download Policy Provisions

FAQS

Who can buy WeMedi Outpatient Protector?

Answer: If you are the policyholder, you must be a Hong Kong permanent resident aged 18 or above with a permanent address in Hong Kong in order to be eligible to buy WeMedi Outpatient Protector. You must be in Hong Kong when you are applying for the Plan.

Can I purchase WeMedi Outpatient Protector for my family?

Answer: Yes, you can purchase the Plan for your spouse, your children and your parents. The Life Assured must be a Hong Kong permanent resident with a permanent address in Hong Kong, he/she must be in Hong Kong when applying for the Plan.

Does the Preferential Consultation Charge vary if I visit different clinics?

Answer: The Plan has a transparent cost structure. The Preferential Consultation Charge of each category of outpatient services is fixed no matter which designated clinic you visit.

Is there any cost borne by the Life Assured?

Answer: For each consultation, you have to pay for the Preferential Consultation Charge. If you need to receive treatment or medications outside the scope of your contract, you will be responsible for the fees incurred.

Under the Plan, are there any limits on the number of times you can use the outpatient services per year?

Answer: No, you can use the outpatient services for an unlimited number of times per year. You can only visit each category of outpatient services once per day.

How do I make use of the outpatient services?

Answer: After the policy is issued, you will receive your e-medical card via email. Simply show your e-medical card and make your Preferential Consultation Charge for the outpatient services.

How can I find a network doctor?

Answer: You will receive the list of network doctor via the email notification together with the e-medical card. If there is any update for the list of network doctor, we will notify you via email.

Can I pay the Preferential Consultation Charge with Health Care Voucher?

Answer: Before visiting the clinic, please contact relevant clinic to inquire whether they accept paying the Preferential Consultation Charge with Health Care Voucher.

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 discount may vary per network doctor and category of Outpatient Services.
  2. Designated family members refer to your spouse, your children and your parents.
  3. One visit per each category of Outpatient Services per day.
  4. For the full terms and benefits of the policy, key product risks, full lists of exclusions, please refer to product summary and policy provision.

Remarks

  1. The Company is not the network doctor’s service supplier. The Company gives no representation, warranty and guarantee of whatsoever nature (whether express or implied) to any person on or in connection with the service and shall have no liability relating to any aspect of the service by the network doctors, including but not limited to service quality or diagnosis result or consultation service provided by the network doctors and/or collection and use of the service user's personal data by the network doctors. Should there be any dispute or complaint or claim (if any) with regards to the service, you should make such demand or complaint or claim directly to the network doctors.
  2. The Plan does not constitute medical advice and is not a substitute for medical advice or treatment. You should consult your doctor or the appropriate professionals independent of the Plan in relation to your personal circumstances including any health or medical condition prior to joining the Plan or using any of the services.
  3. By purchasing the Plan, you are deemed to agree to and authorize the network doctors to submit the medical records, including but not limited to the diagnosis, date of consultation and total amount paid for the service, to the Company and service provider(s) for statistical, research and reporting purposes, and for other purposes set out in our privacy policy. The Company may transfer, disclose, grant access to or share the aforementioned data to data processors and/ or service provider(s) within Hong Kong.

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.

  1. The “WeMedi Outpatient Protector’s 1st year discounted premium” entitles applicants to the discounted 1st year premium of “WeMedi Outpatient Protector” (this “Promotion").
  2. This Promotion is offered by Blue Insurance Limited (the “Company”).
  3. The doctor network of “WeMedi Outpatient Protector” (the “Plan”) is provided by HMMP.
  4. This Promotion is available between 15 December 2020 to 30 June 2021 (both dates inclusive) (“Promotional Period”). To be eligible for this Promotion, applicant must successfully complete the application and payment for the Plan through the Company’s website within the Promotional Period ("Eligible Applicant").
  5. This Promotion is subject to a limited quota for the first 1,000 Eligible Applicants within the Promotional Period.
  6. Each Eligible Applicant can only enjoy this Promotion once.
  7. This Promotion is only applicable to the premium during the first 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.
  8. Cancellation of the Plan’s policy, except for reason under clause 9, will not result in any premium refunds.
  9. 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.
  10. This Promotion cannot be exchanged for cash, credit or any other value in part or in whole or its equivalent.
  11. All policy provisions of the Plan remain unchanged. Please see the policy provisions for details.
  12. The total premium includes insurance levy to be collected by the Insurance Authority.
  13. This Promotion is only applicable to the policies issued in Hong Kong.
  14. This Promotion cannot be enjoyed in conjunction with any other promotion or discount offers for the same insurance product.
  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 the Plan 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. 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.
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