Question 1

What is personal accident insurance and why do I need it?

Accepted Answer

Personal accident insurance provides a lump sum payment if you suffer an injury and that injury results in death, dismemberment, permanent disability or third degree serious skin burn. You may consider buying personal accident insurance because the lump sum payment can be used to help provide some financial security for you and your loved ones if you suffer an injury or death due to an accident.

Question 2

Why should I buy WeCare Personal Accident Protection Plan 1?

Accepted Answer

Our plan does not just offer protection for injury, accidental death, dismemberment, permanent disability or third degree serious skin burn due to an accident. Your benefit amount of the accidental death benefit will be doubled if the death is the result of an injury in these three scenarios within 180 days of the accident: (1) when you are travelling overseas for no more than 30 days, (2) travelling in a public common carrier as a fare paying passenger, or (3) you and your spouse both die in the same accident.

Question 3

Who can buy WeCare Personal Accident Protection Plan 1?

Accepted Answer

Hong Kong permanent resident with a permanent address in Hong Kong.

Question 4

Do I need to notify Blue for my occupation change?

Accepted Answer

Yes, any change of occupation shall be notified in 30 working days. Since occupation changes may result in new premium(s) amount, and will be applied from the next premium due date/renewal date or even policy termination. There are 2 conditions:1. When the new occupation is insurable After the receipt of the occupation change notification, premium will be adjusted based on the new occupation class from the next premium due date. 2. When the new occupation is not insurable After the receipt of the occupation change notification, your policy will be terminated. Premium paid for the period between the last monthiversary and the end of the current Policy Year will be refunded. During claims assessment, if Blue discovers you have not notified Blue for change of occupation to a class which is not insurable and your claims arise from injury directly or indirectly related to such occupation, Blue will not be liable for the claims. Blue reserves the right to terminate the policy and refund premium paid for the period between the last monthiversary of the date of the accident and the end of the current Policy Year.