Feeling unsafe to visit a doctor during the pandemic?
WeGuard PharmaEASY Protector (the "Plan") is the first ever^ pharmacy benefit plan in Hong Kong allows claims for actual pharmacy expenses at a discounted premium! The Plan also offers HK$100,000 Accidental Death Benefit and HK$5,000 Compassionate Death Benefit. Whether you want to get timely treatment or give a boost to your immune system, you can claim your actual spending on a variety of items – such as prescription medicines, over-the-counter medicines, Chinese tonic herbs, vitamins , health supplements and first aid supplies - at designated dealers1 including supermarket chains, personal care product retail chains, convenience stores, and even online stores. With our new easy-to-use platform, you can make your claim all online.
Medicines used to treat common cold and flu are covered. The Plan covers a wide range of prescription medicines, over-the-counter medicines, vitamins and health supplements. Even medicines and first aid supplies associated with daily care such as eye drops and painkillers and face masks are eligible for claims!
With over 5,000 designated dealers1 across Hong Kong, you can easily purchase medicines and health supplements from supermarket chains, personal care product retail chains and convenience stores – whether in store or online.
You only need to answer a few simple questions to complete the online application. To submit a claim, all you need to do is to upload the picture of your official receipt, and we will reimburse you the eligible claim amount to your bank account directly in as fast as one working day!
^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.
Limited premium discount available now!
Entry Plan
Discounted 1st and 2nd year premium
Annual premium HK$538
Protection period : 1 year
Standard Plan
Discounted 1st and 2nd year premium
Annual premium HK$858
Protection period : 1 year
Premium Plan
Discounted 1st and 2nd year premium
Annual premium HK$1,498
Protection period : 1 year
Key features and benefits2
Get to know more about our plan
| Entry Plan | Standard Plan | Premium Plan | |
| Pharmacy Benefit Amount per policy year | HK$300 | HK$600 | HK$1,200 |
| Maximum Claim Amount for each claim *Accumulated claim amount per policy year is subject to the maximum Pharmacy Benefit Amount per policy year |
HK$100 | HK$200 | HK$400 |
| Maximum number of claims per month | Once per calendar month | ||
| Issue Age | 18-65 | ||
| Policy Benefit Term | 1 year, yearly renewal to age 70 (guaranteed renewal for the first 3 policy years) |
||
| Premium Payment Term | Same as the Policy Benefit Term | ||
| Premium Payment Frequency | Annual | ||
| Accidental Death Benefit | HK$100,000 | ||
| Compassionate Death Benefit | HK$5,000 | ||
The product information does not contain the full terms of the policy and the full terms can be found in the policy document.
A simple 4-step claim procedure
1. Log in to your account within 30 days of your purchase.
2. Fill in the claim info (such as product types, date of purchase, and name of the designated dealers etc.)
3. Fill in your FPS/bank account information to receive the claim amount. The FPS/bank account set-up is only required at your first claim.
4. Complete!
Get your claim in as fast as one working day!
Get a quoteWhat is WeGuard PharmaEASY Protector?
Does WeGuard PharmaEASY Protector only cover medicines for illnesses?
Answer: Prescription medicines, over-the-counter medicines, Chinese tonic herbs, health supplements, vitamins and etc at designated dealers1 are all covered. In general, there are three categories of eligible items, including drugs / medicines, health supplements and first aid supplies. Here are some examples:
Drugs / medicines: Painkillers, cold and flu medicines, lozenges, Chinese medicines, skin care products for acne/ allergy / infections/ dry skin (e.g. moisturizing lotion, lip balm, hand cream, acne cream), oral care products (e.g. anti-sensitive toothpaste, mouthwash), insect repellent, contraceptive pills, eye drops, and etc.
Health supplement: Vitamins, health beverage, collagen, milk powder, bones and joints supplement, Chinese herbal supplement, fat burner and etc.
First aid supplies: Face masks, sanitizing wipes, cooling gel sheet, disinfecting hand sanitizer, anti-bacteria refresher, bandages, sanitary gloves, and medical devices such as thermometer, blood pressure monitor, and etc.
Where can I get pharmaceutical products or health supplements with WeGuard PharmaEASY Protector?
How many times I can apply for the Plan?
Why should I buy WeGuard PharmaEASY Protector?
Answer: The Plan allows you to enjoy the Pharmacy Benefit based on the actual cost of expenses. Applying for the Plan with the discounted premium for the 1st and 2nd year, you can make your pharmacy purchases at a discount, and minimize your medical expense.
You can also enjoy accidental life protection at a minimal cost.
Who can buy WeGuard PharmaEASY Protector?
Do I need to provide any doctor’s certification together with the official receipt from designated dealers?
Can I reimburse the expenses of discounted items?
Click for important notes and disclaimers
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.
| Entry Plan | Standard Plan | Premium Plan | |
| Discounted premium for 1st and 2nd year | HK$258/per year | HK$498/per year | HK$988/per year |
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