If you are the policyholder, 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 WeMedi Outpatient Protector. You must be in Hong Kong when you are applying for the Plan.

Yes, you can purchase the Plan for your spouse, your children and your parents. The Life Assured must be a Hong Kong identity card holder with a residential address in Hong Kong. He/She must be in Hong Kong when applying for the Plan.

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.

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. 

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.

After the policy is issued, you download the mobile app and access your e-medical card. Simply show your e-medical card and make your Preferential Consultation Charge for the outpatient services.

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.

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

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. 

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. 

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.