Blue Top Up Insurance Plan - WeMedi Top Up Outpatient Plan

WeMedi Top Up (Outpatient) Protector

Subsidising your medical expenses at a daily premium as low as HK$1¹

Complimentary COVID-19 antibody test upon successful application of designated plans⁴

WeMedi Top Up (Outpatient) Protector

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 policy year 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 in as fast as 1 hour.

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

Meet your basic medical needs

Suitable for employees who hope to supplement the company medical coverage


Annual premium as low as

HK$
/year

Discount Code

WEMEDITU1

Your age cannot purchase this product.

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Standard Plan

Strengthen your specialist protection

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


Annual premium as low as

HK$
/year

Discount Code

WEMEDITU2

Your age cannot purchase this product.

Know More

Premium Plan

Take best care of your health

Suitable for the health-conscious with healthcare and medical needs


Annual premium as low as

HK$
/year

Discount Code

WEMEDITU3

Your age cannot purchase this product.

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We will assess your health conditions as part of our underwriting process, and we may add loading premium based on the underwriting result. Premium is for reference only, actual premium may change based on the underwriting result.

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

Miss Chan(25)
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(2)
Mr. Lee insured for 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(62)
Miss Cheung insured for 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 benefits⁵

Key Summary

Key Coverage

Issue Age⁶

15 days – Age 65

Maximum Cover Age

70

Policy Benefit Term

1 year

Premium Payment Term

1 year

Premium Payment Frequency

Annually

Policy Renewal

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

Benefits

Entry Plan

Standard Plan

Premium Plan

Maximum top up benefit² ³ per policy year

HK$2,000

HK$5,000

HKD10,500

A. General Practitioner Consultation⁷

Maximum top up claim amount per visit

HK$100

HK$250

HK$350

Maximum number of visits per policy year

20

20

30

Maximum number of visits per day

1

B. Specialist Consultation⁸

Maximum top up claim amount per visit

N/A

HK$500

HK$700

Maximum number of visits per policy year

N/A

10

15

Maximum number of visits per day

1

C. Chinese Herbalist Consultation/ Acupuncture Treatment / Chiropractor Treatment⁹

Maximum top up claim amount per visit

N/A

HK$200

Maximum number of visits per policy year

N/A

10

Maximum number of visits per day

N/A

1

Death Benefit

Compassionate Death Benefit

HK$10,000

Accidental Death Benefit

HK$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.

Step2:

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 1 hour!

FAQS

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.