WeMedi Top Up (Outpatient) Protector

Subsidising your outpatient medical expenses at a daily premium as low as HK$1.6¹


WeMedi Top Up (Outpatient) Protector

Supplement your current outpatient insurance plan by offering more coverage

Do you know how much you need to pay for every outpatient service? According to a survey by the Census and Statistics Department, even if you are insured by a group / personal outpatient insurance plan, you still have to pay HK$300# every time you visit a doctor, which could add up to thousands of dollars per year!

WeMedi Top Up (Outpatient) Protector (the “Plan”) is designed to increase your coverage on your current group / personal outpatient reimbursement insurance plan(s) by other insurer(s), so you could be subsidised for the medical expense. The Plan helps cover your protection gap, it is always better to have more flexibility!

Source: The median net consultation fee from the Thematic Household Survey Report No.74, Census and Statistics Department (Published in December 2021) (https://www.censtatd.gov.hk/en/data/stat_report/product/B1130201/att/B11302742021XXXXB0100.pdf).

How would you benefit from WeMedi Top Up (Outpatient) Protector?

We are dedicated to giving you more coverage for your outpatient expense

Worry your outpatient expenses go beyond the coverage limit of your current outpatient reimbursement insurance plan from other insurer(s)? The Plan covers your General Practitioner outpatient expenses based on the actual costs reimbursed from other insurer(s). Once you have made a successful claim from other insurer(s), Blue would subsidise your outstanding medical expenses subject to the policy terms.

Easy and simple online application and claim process

Your online application process takes as fast as five minutes and you are not required to submit your medical report. With our simple claim procedures, you are required to provide a copy of your medical receipts and relevant claim statements from other insurer(s). After you complete the claim, the eligible claim amount can be collected in as fast as 1 hour via FPS.

Key Features

Key Summary

Key Coverage

Issue Age

15 days – Age 65

Maximum Cover Age


Policy Benefit Term

1 year

Premium Payment Term

1 year

Frequency of Payment


Policy Renewal

Yearly renewal to Age 70 (guaranteed renewal for the first 3 policy years)

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


General Practitioner Consultation (includes medication per visit)

Maximum top up benefit per policy year


Maximum top up claim amount per visit


Maximum number of visits per policy year


Maximum number of visits per day


Death Benefit

Compassionate Death Benefit


Accidental Death Benefit


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

How to make a claim with WeMedi Top Up (Outpatient) Protector ?

Step 1:

You have already reimbursed the General Practitioner medical expense under your group or individual outpatient insurance provided by other insurer(s).


  • Consultation fee: HK$420

  • Amount claimed by other insurer(s): HK$320

  • Consultation fee that are not compensated: HK$100


Upload the receipt and claims statement from other insurer(s) and fill in the claim information through our customer service platform.

As you are covered by the Plan, you can then make a claim of maximum HK$100 for those consultation fee that are not compensated

Step 3:

Provide your FPS/bank account information to receive your top up claim amount.

Receive the top up claim amount for the General Practitioner consultation fee: HK$100


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.