WeGuard PharmaEASY Protector
First-ever^pharmacy benefit plan 
in Hong Kong

Feeling light-headed? Expenses in pharmacies are now covered!

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Over-the-counter medicines, health supplements and vitamins are covered to guard your health all the time

Feeling unsafe to visit a doctor during the pandemic?

WeGuard PharmaEASY Protector (the "Plan") allows you to claim your Pharmacy Benefit based on actual cost of expenses at a discounted premium, and offers you HK$100,000 Accidental Death Benefit and HK$5,000 Compassionate Death Benefit at the same time. Over-the-counter medicines, Chinese tonic herbs, vitamins and health supplements purchased from over 600 registered pharmacies1 are now covered. You can get a timely medical treatment, protect your health, and claim for the expenses online.

Covers for medications and health supplements

Medicines used to treat common cold and flu are covered. You can now simply buy and claim for Over-the-counter medicines, Chinese tonic herbs, vitamins and health supplements from registered pharmacies1 to treat common diseases when developing early symptoms.

Easily accessible covering more than 600 registered pharmacies

With over 600 registered pharmacies1 across Hong Kong, you can easily purchase over-the-counter medicines, Chinese tonic herbs, vitamins and health supplements to protect your health and give a boost to your immune system.

Effortless one-stop online insurance platform

You only need to fill in your personal information 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.

^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.

Choose your plan now to enjoy pharmacy benefit.

Limited premium discount available now!

Entry Plan

Discounted first-year premium


Annual premium HK$538

  • Pharmacy Benefit
  • Accidental Death Benefit
  • Compassionate Death Benefit
Apply now

Standard Plan

Discounted first-year premium


Annual premium HK$858

  • Pharmacy Benefit
  • Accidental Death Benefit
  • Compassionate Death Benefit
Apply now

Premium Plan

Discounted first-year premium


Annual premiumHK$1,498

  • Pharmacy Benefit
  • Accidental Death Benefit
  • Compassionate Death Benefit
Apply now

Key features and benefits3
Get to know more about our plan

Entry PlanStandard PlanPremium Plan
Pharmacy Benefit Amount per yearHK$300HK$600HK$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

Maximum number of claims per monthOnce per calendar month
Issue Age18-65
Policy Benefit Term1 year, yearly renewal to age 70 (guaranteed renewal for the first 3 policy years)
Premium Payment TermSame as the Policy Benefit Term
Premium Payment FrequencyAnnual
Accidental Death BenefitHK$100,000
Compassionate Death BenefitHK$5,000

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 registered pharmacy 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!

Apply for the WeGuard PharmaEASY Protector now

Enjoy the Pharmacy Benefit at as low as HK$0.8 per day3.

Get a quote


What is WeGuard PharmaEASY Protector?

Answer: Under the protection period of WeGuard PharmaEASY Protector, you can apply for a reimbursement for the eligible expenses of over-the-counter medicines, Chinese tonic herbs, vitamins and health supplements. You are only required to upload the official receipt within 30 calendar days of purchase to your online account to claim for your actual cost of expenses. Accumulated claim amount per policy year is subject to a ceiling which is the Pharmacy Benefit Amount per policy year.

Does WeGuard PharmaEASY Protector only cover medicine for illnesses?

Answer: No. You can get over-the-counter medicines and Chinese tonic herbs for various common illnesses and early symptoms at registered pharmacies. You can also purchase health supplements, vitamins, acne ointment, first aid appliances etc.

Where can I get pharmaceutical products or health supplements with WeGuard PharmaEASY Protector?

Answer: Any registered pharmacies1 that are listed under the Licensed Drug Dealers – List of Authorized Sellers of Poisons in the website of Drug Office, Department of Health, the Government of the Hong Kong Special Administrative Region. To find a registered pharmacy, please click here.

Why should I buy WeGuard PharmaEASY Protector?

Answer: The Plan allows you to enjoy the Pharmacy Benefit based on the actual cost of expenses, which helps you to minimize medical expenses for common illnesses and early discomfort. You can also enjoy accidental life protection at a minimal cost.

Who can buy WeGuard PharmaEASY Protector?

Answer: 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 WeGuard PharmaEASY Protector. You must be in Hong Kong when you purchase the Plan.

Do I need to provide any doctor’s certification together with the official receipt from registered pharmacies?

Answer: No. You just need to provide an official receipt from registered pharmacies when you make your claim online.

Can I reimburse the expenses of discounted items?

Answer: Sure! We will reimburse your eligible expenses with the Plan and you can therefore enjoy discount(s) of your purchased item(s) at the same time.

Click for important notes and disclaimers

  1. For the list of designated registered pharmacies :
  2. For plan details, please click
  3. The calculation is based on a year protection plan of “WeGuard PharmaEASY Protector’s” Pharmacy Benefit Amount of HK300 of a 25-year-old policyholder.
Terms and conditions of the “WeGuard PharmaEASY Protector’s 1st year discounted premium”

  1. The “WeGuard PharmaEASY Protector’s 1st year discounted premium” entitles applicants to enjoy the discounted 1st year premium of “WeGuard PharmaEASY Protector” for Entry Plan, Standard Plan or Premium Plan (this “Promotion"), with details as below;
    Entry PlanStandard PlanPremium Plan
    Discounted 1st year premiumHK$258HK$498HK$988
  2. This Promotion is offered by Blue Insurance Limited (the “Company”).
  3. This Promotion is available between 1 November 2020 to 31 December 2020 (both dates inclusive) (“Promotional Period”). To be eligible for this Promotion, applicant must successfully complete the application and payment for “WeGuard PharmaEASY Protector” (the “Plan”) through the Company’s website within the Promotional Period ("Eligible Applicant").
  4. This Promotion is subject to a limited quota for the first 1,000 Eligible Applicants within the Promotional Period.
  5. Each Eligible Applicant can only enjoy this Promotion once.
  6. This Promotion is only applicable to the premium during the first policy year of the Plan. Automatic renewal will be applied at the expiry of the benefit term and the policyholder is required to pay the premium at the original price.
  7. Under this Promotion, no plan changes are permitted during the first policy year of the Plan. Cancellation of the Plan’s policy, except for reason under clause 8, will not result in any premium refunds.
  8. If the policyholder cancels the Plan’s policy within the cooling-off period from the policy issue date, the Company will only refund the policyholder the actual premium paid under the Promotion.
  9. This Promotion cannot be exchanged for cash, credit or any other value in part or in whole or its equivalent.
  10. All policy provisions of the Plan remain unchanged. Please see the policy provisions for details.
  11. The total premium includes insurance levy to be collected by the Insurance Authority.
  12. This Promotion is only applicable to the policies issued in Hong Kong.
  13. This Promotion cannot be enjoyed in conjunction with any other promotion or discount offers for the same insurance product.
  14. The Company reserves the right to amend the terms and conditions of this Promotion or discontinue them at any time without prior notice.
  15. The above information is for general reference only. It shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any products of the Company. Details of the coverage of the Plan are subject to the policy provisions stipulated in the policy by the Company.
  16. This Promotion is subject to these terms and conditions. The Company has the right to reject any applications. If there are any disputes, the Company's decision is final and conclusive.
  17. Should there be any discrepancy between the English and Chinese versions, the English version shall prevail.