Remarks
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).
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.
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.
The product information does not contain the full terms of the policy and the full terms can be found in the policy document.
The product information does not contain the full terms of the policy and the full terms can be found in the policy document.
Example:
Consultation fee: HK$420
Amount claimed by other insurer(s): HK$320
Consultation fee that are not compensated: HK$100
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
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.
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