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Your joint & bones deserve extra protection

As an enthusiast of sports and outdoor activities, exploring the nature may become your everyday life. Want to have a simple and targeted protection? WeCare Accidental Joint & Bones Protector (the "Plan" ) is the first-ever*dedicated joint & bones protection plan in Hong Kong. Our Plan gears you up against bone fracture and dislocation of joint caused by accidents. You are only required to provide medical diagnostic imaging as a proof to claim for a lump sum of cash benefit. You may choose plans with different Benefit Amount which best fits your lifestyle.

  • Essential for sport enthusiast

    It is not uncommon to crack your bone accidentally when you take up challenges to explore nature. Under the Plan, you are only required to provide medical diagnostic imaging as a proof to claim for a lump sum of cash benefit.

  • Low premium, adequate protection

    The monthly premium of the entry plan is as low as HK$16.6^ with Benefit Amount of HK$1,000. Coverage up to 2 accidents per year.

  • Coverage for all ages alike

    Minimum issue age is 15 days after birth, maximum issue age is 65 years old1 .

  • *The statement we have made about this feature being ‘first-ever’ is based on comparing it with other available publicity of life insurance plans issued by Hong Kong’s major life insurance companies for individual customers as at 9 October, 2020.

    ^Premium shown is for a Hong Kong female life assured aged 0(15 days), you apply the entry plan of “WeCare Accidental Joint & Bones Protector” for her, with 1 year policy benefit term, and the monthly premium is HK$16.6. The daily cost of HK$0.6 is achieved by spreading the monthly premium (HK$16.6) for the aforementioned conditions over 30 days.

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  • Entry Plan

    Benefit Amount:

    HK$1,000

    Coverage up to 2 accidents per year


    Monthly premium as low as

    HK$

  • Standard Plan

    Benefit Amount:

    HK$3,000

    Coverage up to 2 accidents per year


    Monthly premium as low as

    HK$

  • Premium Plan

    Benefit Amount:

    HK$5,000

    Coverage up to 2 accidents per year


    Monthly premium as low as

    HK$

We will assess your occupation 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.

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Key Features and Benefits2

Get to know more about the Plan

Entry Plan Standard Plan Premium Plan
Benefits Lump Sum benefit upon diagnosis of bone fracture or dislocation of joint as a result of an accident
Coverage up to 2 accidents per Policy Year
Benefit Amount HK$1,000 HK$3,000 HK$5,000
Issue Age 15 days to age 65
Maximum Cover Age 80
Policy Benefit Term 1 year, yearly renewal to age 80
Premium Payment Term Same as selected Policy Benefit Term
Premium Payment Frequency Monthly
Compassionate Death Benefit 105% of total premiums paid in the current Policy Benefit Term
More Benefits
Change of Plan Coverage Anytime. The change of plan will be effective on the next monthiversary3
Renewal Guaranteed policy renewal without providing further proof of health conditions
What's not covered 4?
Medical conditions that exist prior to plan commencement and any inborn conditions will be excluded. Any conditions caused by alcohol and drugs that are not prescribed by a doctor will be excluded as well.
The Compassionate Death Benefit is not payable due to suicide within 1 year from the policy issue date. The total premiums paid for the current protection period will be refunded.

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

Frequently Asked Questions


Who can buy this Plan?

Is medical examination or any health proof required when I apply for the Plan?

Can I purchase the Plan for my family?

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.