Exclusive Plan for OpenRice Merchants ── WeMedi Outpatient Protector

In order to provide extra medical protection for the employees of small and medium enterprises and restaurants, Blue has created an all-new outpatient medical protection plan for OpenRice merchants — OpenRice Merchants Exclusive WeMedi Outpatient Protector (the “Plan”). Merchants of OpenRice can now apply for the plan with an exclusive offer of HK$138 annual premium for each employee. Successful applicants can enjoy up to 70% discount1 for 7 types of outpatient services, namely General Practitioner consultation, Specialist consultation, Physiotherapy treatment, Chinese Herbalist consultation, Chinese Bone Setting treatment, Acupuncture treatment and Chiropractor treatment.

3 Key Benefits of WeMedi Outpatient Protector

Up to 70% discount1 on outpatient services

No matter which designated clinic you visit, you will be charged at a standard rate for each category of Outpatient Services under the Plan. After enrollment, you are eligible to up to 70% discount1 on outpatient services. Our outpatient services cover General Practitioner consultation (inclusive of 3 days basic medication), Specialist consultation (inclusive of 4 days basic medication), Physiotherapy treatment, Chinese Herbalist consultation, Chinese Bone Setting treatment, Acupuncture treatment and Chiropractor treatment. You can now minimize the medical expenses and guard the health of yourself and your family.

Extensive network with 700+ designated doctors

There are 700+ designated doctors to serve you throughout Hong Kong Island, Kowloon and New Territories. You will receive your dedicated e-medical card via email. Simply show your e-medical card to enjoy your discount anytime throughout the year without needing to make a claim.

Coverage for all ages alike

Elderlies and children visit clinics rather more often. Would you like to minimize the medical expenses? OpenRice Merchants Exclusive Outpatient Medical Plan allows both employers and employees to enroll the Plan for designated family members2 to enjoy discounts on outpatient services. The issue age of the Plan is 15 days to age 80.

Exclusive offer of WeMedi Outpatient Protector for OpenRice Merchants

First year premium at

HK$ 138

Apply for Your Employees now
  • No minimum number of employees required
  • Employee applications all centralized

Key features and benefits3

Key Summary Key Coverage
Issue Age 15 days - 80
Maximum Issue Age 85
Policy Benefit Term 1 year
Premium Payment Term 1 year
Frequency of Payment Annual, yearly renewal to age 85 (guaranteed renewal for the first 3 policy years).
Compassionate Death Benefit HK$1,000
What's not covered3?

  • Any expense charged for treatment or medications not covered under the policy will not be reimbursed. Any conditions caused by alcohol and drugs that are not prescribed by a doctor will not be covered 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.

Benefits

Outpatient Services Preferential Consultation Charge*
General Practitioner consultation
(Inclusive of 3 days basic medication)		 HK$195
Specialist consultation
(Inclusive of 4 days basic medication)		 HK$480
Physiotherapy treatment
(Referral letter is needed)		 HK$300
Chinese Herbalist consultation HK$180
Chinese Bone Setting treatment HK$250
Acupuncture treatment HK$280
Chiropractor treatment
(Referral letter is needed)		 HK$450

  • *The Preferential Consultation Charge for each category (“The Charge”) will be increased within 10% in May 2022 due to medical inflation. Please note that The Charge may be increased within 10% every calendar year starting from 1 January 2023 due to medical inflation. We will notify you The Charge in advance of such an increase.

Download Product Summary Download Policy Provisions

No minimum number of employees required

OpenRice Merchants Exclusive Outpatient Medical Plan ──WeMedi Outpatient Protector has no minimum number of insured persons required. In other words, employers can enjoy the special offer of annual premium at HK$138 even if they apply the Plan for only one employee. First year premium at HK$138 only and you can enjoy 7 types of outpatient services with a discounted price!

Employee applications all centralized

The application procedure is simple. First, employers share the designated application link to their employees through our online insurance platform. Employees will be redirected by the link to fill in their personal information and answer the questions. After that, employers will receive an email requesting the submission of business supporting documents and asking employers to verify the identities of their employees. Upon confirmation, employers can make a one-off payment for all employees with the specified payment method.

  • Employers are required to fill in their name, phone number, email, company name and business registration number in the form below. Then click “Verify the Email Address”.

  • An address verification email will be sent to the relevant mailbox. Click the link of the email to verify the email address.

  • After verification, employers will receive an application link designated to the company. Employers can share the link with their employees through different platforms.

  • Employers will receive weekly email updates on the application status of employees who apply for WeMedi Outpatient Protector. Employers can verify employees’ identity by email and further payment details will be provided. Before proceeding to payment, employers will be required to provide business address, registered address, date and place of incorporation and business industry supporting documents by replying Blue’s email.

WeMedi Outpatient Protector

OpenRice Merchants Exclusive Outpatient Medical Plan

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FAQS

Who can buy OpenRice Merchants Exclusive Outpatient Medical Plan - WeMedi Outpatient Protector?

Answer: If you are the policyholder, you must be a Hong Kong permanent resident aged 18 or above with a permanent address in Hong Kong in order to be eligible to buy OpenRice Merchants Exclusive Outpatient Medical Plan - WeMedi Outpatient Protector. You must be in Hong Kong when you are applying for the Plan.

Can OpenRice Merchants Exclusive Outpatient Medical Plan - WeMedi Outpatient Protector be purchased by employers, employees or their family?

Answer: Yes, both employers and employees can purchase the Plan for their spouse, their children and their parents. The Life Assured must be a Hong Kong permanent resident with a permanent address in Hong Kong, they must be in Hong Kong when applying for the Plan.

How can I identify the application is from their employees and their family?

Answer: Application link shared to employees is unique and designated to the company. At the same time, employers will receive an email containing a list of applicant and their personal information, including policyholder name, the first 4 characters of HKID, policy number and payment status on a weekly basis. Employers can verify applicants’ identity before replying to the email to confirm the eligible applications’ policy number and total number of policies.

How can I settle the payment?

Answer: After employers submitting the confirmation email, total payment amount and further cheque payment details will be provided by Blue through email. Employers are required to settle the payment within a specified period. If payment for new applicant is needed, Blue will notify employer via email.

How can I view the status of the policies?

Answer: Employers can check the policy payment status, including paid and unpaid policies from the weekly email report.

Does the Preferential Consultation Charge vary if I visit different clinics?

Answer: The Plan has a transparent cost structure. The Preferential Consultation Charge of each category of Outpatient Services is fixed no matter which designated clinic you visit.

Is there any cost borne by the Life Assured?

Answer: For each consultation, you have to pay for the Preferential Consultation Charge. If you need to receive treatment or medications outside the scope of your contract, you will be responsible for the fees incurred.

Under the Plan, are there any limits on the number of times you can use the outpatient services per year?

Answer: No, you can use the outpatient services for an unlimited number of times per year. You can only visit each category of Outpatient Services once per day.

How do I make use of the outpatient services?

Answer: After the policy is issued, you will receive your e-medical card via email. Simply show your e-medical card and make your Preferential Consultation Charge for the outpatient services.

How can I find a network doctor?

Answer: You will receive the list of network doctor via the email notification together with the e-medical card. If there is any update for the list of network doctor, we will notify you via email.

Can I pay the Preferential Consultation Charge with Health Care Voucher?

Answer: Before visiting the clinic, please contact relevant clinic to inquire whether they accept paying the Preferential Consultation Charge with Health Care Voucher.

Click for important notes and disclaimers

  1. The discount is for reference only and may vary per network doctor and category of Outpatient Services.
  2. Designated family members refer to your spouse, your children and your parents.
  3. For the full terms and benefits of the policy, key product risks, full lists of exclusions, please refer to product summary and policy provision.

Remarks

  1. The Company is not the network doctor’s service supplier. The Company gives no representation, warranty and guarantee of whatsoever nature (whether express or implied) to any person on or in connection with the service and shall have no liability relating to any aspect of the service by the network doctors, including but not limited to service quality or diagnosis result or consultation service provided by the network doctors and/or collection and use of the service user's personal data by the network doctors. Should there be any dispute or complaint or claim (if any) with regards to the service, you should make such demand or complaint or claim directly to the network doctors.
  2. The Plan does not constitute medical advice and is not a substitute for medical advice or treatment. You should consult your doctor or the appropriate professionals independent of the Plan in relation to your personal circumstances including any health or medical condition prior to joining the Plan or using any of the services.
  3. By purchasing the Plan, you are deemed to agree to and authorize the network doctors to submit the medical records, including but not limited to the diagnosis, date of consultation and total amount paid for the service, to the Company and service provider(s) for statistical, research and reporting purposes, and for other purposes set out in our privacy policy. The Company may transfer, disclose, grant access to or share the aforementioned data to data processors and/ or service provider(s) within Hong Kong.

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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