Get a quote

Respective terms and conditions apply to the above product.

Get a quote

Respective terms and conditions apply to the above product.

We can supplement your current outpatient insurance plan by offering more coverage

WeMedi Top Up (Outpatient) Protector (the “Plan”) is designed to top up 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 with the new top up coverage. It is always better to have more flexibility!

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

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

Worried that your outpatient expense goes beyond your outpatient insurance? Based on the coverage limit of your current group / personal outpatient reimbursement insurance plan from other insurer(s), the Plan helps cover the 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 medical expense subject to the benefit limits and number of visits, and consultation category of the selected Plan level. The Plan covers the cost of General Practitioner consultation/ Specialist consultation / Chinese Herbalist consultation, Acupuncture treatment and Chiropractor treatment, subject to the Plan level.

We can contribute to the costs of your Chinese medicine practitioners

WeMedi Top Up (Outpatient) Protector’s Premium Plan allows you to reimburse consultation fees from Chinese Herbalists and Acupuncturists. With the Premium Plan, you are entitled to the Maximum top up claim amount per visit of HK$2,000 for Chinese Herbalist consultation/ Acupuncture treatment / Chiropractor Treatment throughout the year. This would be subject to the maximum number of visits stated in the Plan level.

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). Reimbursement costs can be processed through FPS as fast as one working day.

Do you know how much Hong Kong's median net consultation fee is?

In general, patient has to pay on average HK$260# net consultation fee excess for the outpatient service per visit - which could add up to thousands of dollars per year!

Notes:
Data Source: Page 49, Thematic Household Survey Report No. 68, Census and Statistics Department, Hong Kong Special Administrative Region (Published in November 2019) (https://www.statistics.gov.hk/pub/B11302682019XXXXB0100.pdf)
Reporting Period: November 2018 to February 2019
# The median net consultation fee from the survey report.
^ Based on the last and up to the last 3 doctor consultations made by the persons concerned during the sampling period.
* Referring to the net payment made by a patient to the private medical practitioner consulted, including expenses such as fees for prescription, taking X-ray and performing laboratory test after deducting the amount reimbursed by employer and/or insurance company, etc. The amount paid by Elderly Health Care Voucher was also excluded.

Choose the protection plan from WeMedi Top Up (Outpatient) Protector that best suits you.

  • Entry Plan
    Discounted first-year premium

    HK$

    Annual Premium

    Meet your basic medical needs
    Suitable for employees who hope to supplement the company medical coverage

    Maximum top up benefit per policy year
    HK$2,000

    Maximum claim amount per visit of General Practitioner consultation
    HK$100 (Subject to 20 visits)

    Accidental Death Benefit
    HK$100,000

    Compassionate Death Benefit
    HK$10,000

    Protection period : 1 year

  • Standard Plan
    Discounted first-year premium

    HK$

    Annual Premium

    Strengthen your specialist protection
    Suitable for parents who hope to provide children with quality specialist medication while managing medical expenses

    Maximum top up benefit per policy year 2
    HK$5,000

    Maximum claim amount per visit of General Practitioner Consultation
    HK$250 (Subject to 20 visits)

    Maximum claim amount per visit of Specialist Consultation
    HK$500 (Subject to 10 visits)

    Accidental Death Benefit
    HK$100,000

    Compassionate Death Benefit
    HK$10,000

    Complimentary COVID-19 antibody test4

    Protection period : 1 year

  • Premium Plan
    Discounted first-year premium

    HK$

    Annual Premium

    Take best care of your health
    Suitable for the health-conscious with healthcare and medical needs

    Maximum top up benefit per policy year3
    HK$10,500

    Maximum claim amount per visit of General Practitioner Consultation
    HK$350 (Subject to 30 visits)

    Maximum claim amount per visit of Specialist Consultation
    HK$700 (Subject to 15 visits)

    Maximum claim amount per visit of Chinese Herbalist Consultation
    HK$200 (Subject to 10 visits)

    Accidental Death Benefit
    HK$100,000

    Compassionate Death Benefit
    HK$10,000

    Complimentary COVID-19 antibody test4

    Protection period : 1 year

How to use the WeMedi Top Up (Outpatient) Protector?

Case sharing

Miss Chan
Age of Miss Chan: 25
Occupation: Clerical staff

Miss Chan is covered by her company’s group medical insurance plan. The outpatient coverage under her group medical plan is HK$200 for each visit to the General Practitioner consultation. With a consultation fee of HK$300, she has to pay HK$100 out of her own pocket.

Since WeMedi Top Up (Outpatient) Protector can subsidise the outpatient expense in excess of the claim amount paid by other insurer(s), Miss Chan applies for the Entry Plan of WeMedi Top Up (Outpatient) Protector plan. With the Maximum top up claim amount per visit of HK$100 provided by the Plan, her excess consultation fee can be fully reimbursed.

Mr. Lee insured for his son
Age of his son: 2

Mr. Lee’s son is covered by the employee medical insurance plan of Mr. Lee, with a maximum outpatient coverage of HK$600 for Specialist consultation. His son has to visit the hospital for pediatric outpatient service and the consultation fee is HK$1,000.

Since WeMedi Top Up (Outpatient) Protector can subsidise his medical expense in excess of the claim amount paid by other insurer(s), Mr. Lee applies for the Standard Plan of WeMedi Top Up (Outpatient) Protector plan for his son. With the Maximum top up claim amount per visit of HK$500 provided by the Plan, his excess consultation fee can be fully reimbursed.

Miss Cheung insured for her mother
Age of her mother: 62
Occupation: Housewife

Miss Cheung’s mother often visits Chinese medicine practitioners to improve her health. The consultation fee for Chinese Herbalist consultation is HK$600. The benefit amount covered by Miss Cheung’s mother individual outpatient protection plan from another insurer is HK$400 for Chinese Herbalist consultation. Hence she still has to pay the shortfall of HK$200.

Since WeMedi Top Up (Outpatient) Protector can subsidise her medical expense in excess of the first claim amount, Miss Cheung applies for her mother the Premium Plan of WeMedi Top Up (Outpatient) Protector plan. This includes a maximum of HK$200 top up claim amount per consultation to the Chinese practitioner. Therefore, her excess consultation fee can be fully reimbursed.

  • Miss Chan
    Age of Miss Chan: 25
    Occupation: Clerical staff

    Miss Chan is covered by her company’s group medical insurance plan. The outpatient coverage under her group medical plan is HK$200 for each visit to the General Practitioner consultation. With a consultation fee of HK$300, she has to pay HK$100 out of her own pocket.

    Since WeMedi Top Up (Outpatient) Protector can subsidise the outpatient expense in excess of the claim amount paid by other insurer(s), Miss Chan applies for the Entry Plan of WeMedi Top Up (Outpatient) Protector plan. With the Maximum top up claim amount per visit of HK$100 provided by the Plan, her excess consultation fee can be fully reimbursed.

  • Mr. Lee insured for his son
    Age of his son: 2

    Mr. Lee’s son is covered by the employee medical insurance plan of Mr. Lee, with a maximum outpatient coverage of HK$600 for Specialist consultation. His son has to visit the hospital for pediatric outpatient service and the consultation fee is HK$1,000.

    Since WeMedi Top Up (Outpatient) Protector can subsidise his medical expense in excess of the claim amount paid by other insurer(s), Mr. Lee applies for the Standard Plan of WeMedi Top Up (Outpatient) Protector plan for his son. With the Maximum top up claim amount per visit of HK$500 provided by the Plan, his excess consultation fee can be fully reimbursed.

  • Miss Cheung insured for her mother
    Age of her mother: 62
    Occupation: Housewife

    Miss Cheung’s mother often visits Chinese medicine practitioners to improve her health. The consultation fee for Chinese Herbalist consultation is HK$600. The benefit amount covered by Miss Cheung’s mother individual outpatient protection plan from another insurer is HK$400 for Chinese Herbalist consultation. Hence she still has to pay the shortfall of HK$200.

    Since WeMedi Top Up (Outpatient) Protector can subsidise her medical expense in excess of the first claim amount, Miss Cheung applies for her mother the Premium Plan of WeMedi Top Up (Outpatient) Protector plan. This includes a maximum of HK$200 top up claim amount per consultation to the Chinese practitioner. Therefore, her excess consultation fee can be fully reimbursed.

Key features and benefits 5

Get to know more about our plan

Key SummaryKey Coverage
Issue Age615 days – Age 65
Maximum Cover AgeAge 70
Policy Benefit Term1 year
Premium Payment Term1 year
Frequency of PaymentAnnually
Policy RenewalYearly renewal to Age 70
(guaranteed renewal for the first 3 policy years)

Entry PlanStandard PlanPremium Plan
Maximum top up benefit2,3per policy yearHK$2,000HK$5,000HK$10,500
A. General Practitioner Consultation7
Maximum top up claim amount per visitHK$ 100HK$ 250HK$ 350
Maximum number of visits per policy year202030
Maximum number of visits per day1
B. Specialist Consultation8
Maximum top up claim amount per visitN/AHK$500HK$700
Maximum number of visits per policy yearN/A1015
Maximum number of visits per day1
C. Chinese Herbalist Consultation/ Acupuncture Treatment / Chiropractor Treatment9
Maximum top up claim amount per visitN/AHK$ 200
Maximum number of visits per policy yearN/A10
Maximum number of visits per dayN/A1
Death Benefit
Compassionate Death BenefitHK$10,000
Accidental Death BenefitHK$100,000

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 medical expense under your group or individual outpatient insurance provided by other insurer(s).

Example:

Your specialist consultation fee: HK$1,000

The amount of claim paid by other insurer(s): HK$500-


Benefit excess of the Specialist consultation fee: HK$500=

Under the WeMedi Top Up (Outpatient) Protector’s Standard Plan, you are entitled to the Plan’s Maximum top up claim amount per visit of HK$500 subject to a maximum number of visits.
Assuming that you made a Specialist consultation claim from other insurer(s), then you will only be entitled to the Specialist consultation top up benefit, but not a different category of outpatient services.

Step 2:

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

Apply for a top up claim amount for benefit excess of the Specialist consultation fee:HK$500

Step 3:

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

Receive the top up claim amount for Specialist consultation fee: HK$500

Step 1:

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

Example:

Your specialist consultation fee: HK$1,000

The amount of claim paid by other insurer(s): HK$500-


Benefit excess of the Specialist consultation fee: HK$500=

Under the WeMedi Top Up (Outpatient) Protector’s Standard Plan, you are entitled to the Plan’s Maximum top up claim amount per visit of HK$500 subject to a maximum number of visits.
Assuming that you made a Specialist consultation claim from other insurer(s), then you will only be entitled to the Specialist consultation top up benefit, but not a different category of outpatient services.

Step 2:

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

Apply for a top up claim amount for benefit excess of the Specialist consultation fee:HK$500

Step 3:

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

Receive the top up claim amount for Specialist consultation fee: HK$500

Effortless one-stop online insurance platform

Get your claim in as fast as one working day!

Get a quote

FAQS

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 the Plan. 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, they must be in Hong Kong when applying for the Plan.
Yes. You must have an in-force outpatient reimbursement plan and a successful claim from other insurer(s) at the time of claims for the Plan. This plan is providing the top up claim amount that are in excess of the claim paid by other insurer(s). The Top Up Outpatient Benefit is subject to the Maximum top up benefit per policy year, Maximum number of visits per policy year, Maximum number of visits per day, and Maximum top up claim amount per visit applicable to the selected plan level.
You would need to provide the medical receipt and claims statement of your outpatient reimbursement plan provided by other insurer(s) when you make your claim online.
There is no waiting period for the plan. You can make the claim once the policy is effective.
No. The Plan has no limitation on the registered medical practitioners in Hong Kong.
No. The Plan is only applicable to outpatient reimbursement plan provided by other insurer(s) and WeMedi Outpatient Protector is not such type of plan.

1. The calculation is based on a year protection plan of “WeMedi Top Up (Outpatient) Protector’s” Entry Plan at a discounted premium of HK$360.

2. Maximum top up benefit includes the claim amount from benefit item A – B.

3. Maximum top up benefit includes the claim amount from benefit item A – C.

4. Eligible applicant is entitled to a COVID-19 antibody test upon successful application of WeMedi Top Up (Outpatient) Protector’s Standard Plan or Premium Plan.

5. For the full terms and benefits of the policy, full lists of exclusions, please refer to policy provisions.

6. Age means age of last birthday of Life Assured.

7. General Practitioner Consultation includes medication per visit.

8. Specialist Consultation includes medication per visit.

9. Chinese Herbalist Consultation includes medication per visit.

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 Top Up (Outpatient) Protector’s 1st year discounted premium” entitles applicants to enjoy the 1st year discounted premium of “WeMedi Top Up (Outpatient) Protector” for Entry Plan, Standard Plan or Premium Plan (this “Promotion"), with details as below;

    Entry PlanStandard PlanPremium Plan
    Discounted premium for the 1st yearHK$360HK$990HK$1,460
  2. This Promotion is offered by Blue Insurance Limited (the “Company”).
  3. This Promotion is available from today until 31st Aug 2021 (inclusive) (“Promotional Period”). To be eligible for this Promotion, applicant must successfully complete the application and payment for “WeMedi Top Up (Outpatient) Protector” (the “Plan”) through the Company’s website within the Promotional Period ("Eligible Applicant").
  4. This Promotion is subject to a limited quota for the first 600 Eligible Applicants within the Promotional Period.
  5. 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.
  6. Under this Promotion, no plan changes are permitted during the first policy year of the Plan. Cancellation of the Plan’s policy, except for reason under clause 7, will not result in any premium refunds.
  7. 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.
  8. For COVID-19 antibody test(“Antibody test”) promotion:
    i. Eligible Applicant is entitled to an Antibody test upon successful application of Standard Plan or Premium Plan of the Plan.
    ii. The Antibody test cannot be exchanged for cash or its equivalent.
    iii. The Antibody test redemption code will be sent by SMS after the cooling-off period.
    iv. The Antibody test is provided by EC Healthcare. EC Healthcare is responsible for all obligations and liabilities in relation to such products or services. The Company accepts no liability in respect of the quality of the products or services provided by EC Healthcare.
  9. This Promotion cannot be exchanged for cash, credit or any other value in part or in whole or its equivalent.
  10. All policy provisions of the Plan remain unchanged. Please see the policy provisions for details.
  11. The total premium includes insurance levy to be collected by the Insurance Authority.
  12. This Promotion is only applicable to the policies issued in Hong Kong.
  13. This Promotion cannot be enjoyed in conjunction with any other promotion or discount offers for the same insurance product.
  14. The Company reserves the right to amend the terms and conditions of this Promotion or discontinue them at any time without prior notice.
  15. 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.
  16. 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.
  17. Should there be any discrepancy between the English and Chinese versions, the English version shall prevail.