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Dedicated protection for your precious vision

Nowadays we are looking at mobile and computer screens all the time, potentially making us more vulnerable to eye diseases. Are you well-covered by your protection plan against eye diseases? WeGuard Eye Disease Protection Plan (the “Plan”) is the first-ever* dedicated eye disease protection plan in Hong Kong. Upon diagnosis of a covered eye disease, a lump sum of cash benefit will be provided for you to receive timely medical treatment or surgery. With various eye diseases covered, vision protection is now made easy.

  • Broad coverage of common eye diseases

    As eye diseases become more common, a dedicated vision protection is more needed than ever. The Plan covers glaucoma (surgery required), cataract, macular degeneration and retinal detachment (surgery required), and 100% of lump sum of cash benefit will be granted1 upon such diagnosis.

  • Little cost, well protection

    The monthly premium of the entry plan is as low as HK$16.7 ^ with HK$10,000 Benefit Amount. The maximum Benefit Amount is HK$40,000.

  • Seamless application with simple underwriting

    No vision examinations documents are required for the plan. Answer 2 underwriting questions and the online application can be settled in 5 minutes.

  • ^Premium shown is for a Hong Kong female aged 18, apply for the entry plan of “WeGuard Eye Disease Protector” with 1 year policy benefit term, and the monthly premium is HK$16.7. The daily cost of HK$0.6 is achieved by spreading the monthly premium (HK$16.7) for the aforementioned conditions over 30 days.

    *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.

Want to guard your visual health?
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  • Entry Plan

    Benefit Amount:

    HK$10,000


    Monthly premium as low as

    HK$

  • Standard Plan

    Benefit Amount:

    HK$20,000


    Monthly premium as low as

    HK$

  • Premium Plan

    Benefit Amount:

    HK$40,000


    Monthly premium as low as

    HK$

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.

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Key Features and Benefits 2

Get to know more about the Plan

Entry Plan Standard Plan Premium Plan
Benefits A lump sum cash payment equivalent to 100% of Benefit Amount will be granted upon any of below:
(a) Diagnosis of cataract (early onset of cataract)
(b) Diagnosis of macular degeneration
(c) Actual undergoing of surgical treatment of Glaucoma
(d) Actual undergoing of surgical treatment of Retinal detachment
Benefit Amount HK$10,000 HK$20,000 HK$40,000
Issue Age Age 18 to 65 for Entry Plan and Standard Plan; Age 18 to 60 for Premium Plan
Maximum Cover Age 68
Policy Benefit Term 1 year, yearly renewal to age 68
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 covered4?
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.
Waiting period is 30 days. No benefit for eye disease shall be payable if the sign(s) and/or symptom(s) within thirty (30) days from the Policy Issue Date; or the date of reinstatement of the Policy (whichever is later)
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.