Looking for a plan that suits you?

  • An everlasting commitment

  • Medical expenses

  • Quality Retirement Life

    Quality of lives

  • Wealth accumulation

  • A Life Insurance policy can provide financial security to your family after you pass away.

    Well SmartPro

    • Life Protection

      Financial protection for your beloved family, allow you to pursue your goal without worries

    • Additional coverage of 62 critical illnesses (benefit on non-indemnity basis)

    • Optional accident benefit

    • Convertibility to permanent insurance plan

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    Well Protect 108 Refundable Personal Accident Insurance Plan

    • 10-Year personal accident benefit and 108% Premium Refund

    • 8-Year premium payment only

    • Accidental death benefit, Accidental disability and dismemberment benefit with double indemnity for extra protection

    • Hospital income to ease your financial burden in case of hospital confinement due to accident

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  • Unexpected medical and hospitalization costs could represent a significant threat to your finances. Medical insurance can provide you a support to deal with the medical expenses.

    Product of Indemnity Nature

    Well Protect Voluntary Health Insurance Scheme

    • Health Protection

      Covers medical expense for hassle free recovery

    • Reimburses hospitalization and medical expenses

    • Enjoy tax deduction

    • Guaranteed renewability up to age 100

    • Maximum annual benefit limit is HKD1,200,000.

    More Details

    Product of Non-Indemnity Nature

    Well Protect 108 Refundable Hospital Income Insurance Plan

    • 10-year hospital income and 108% premium refund

    • 8-year premium payment only

    • Intensive care benefit for extra protection

    • A death benefit to better protect your loved ones

    • Additional accidental death benefit

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  • We work hard in order to have a good quality of lives, an insurance policy is the best solution to protect you on a rainy day.

    Want to achieve a worry-free retirement? Annuity plan helps you build up your wealth.

    Well Enjoy Deferred Annuity Plan (Supreme)

    • Guaranteed regular annuity for 20 years

    • Choices of USD and HKD currencies

    • Five-year premium payment only

    • Option for premium prepayment

    • Tax deduction for premium paid

    More Details

    Well SmartPro

    • Life Protection

      Financial protection for your beloved family, allow you to pursue your goal without worries

    • Additional coverage of 62 critical illnesses (benefit on non-indemnity basis)

    • Optional accident benefit

    • Convertibility to permanent insurance plan

    More Details

    Well Save Supreme Endowment Plan

    • Return of guaranteed cash value at maturity is up to 3.65% per annum (applicable to RMB-denominated policies with lump-sum premium prepayment)

    • Policy currency selection of USD, RMB or HKD

    • 3 years premium payment and guaranteed return at the 8th year

    • Option for premium prepayment

    • Hassle-free application without medical examination

    • Enjoy 2% First-Year Premium Discount for application between May 15 and May 31.

    More Details

    Well Save Supreme Endowment Plan

    • Return of guaranteed cash value at maturity is up to 3.65% per annum (applicable to RMB-denominated single premium policies)

    • Policy currency selection of USD, RMB or HKD

    • Option for single premium or 3-year premium payment period

    • Hassle-free application without medical examination

    More Details

  • Assist you to accumulate wealth to realise life goals.

    Well Save Supreme Endowment Plan

    • Return of guaranteed cash value at maturity is up to 3.65% per annum (applicable to RMB-denominated policies with lump-sum premium prepayment)

    • Policy currency selection of USD, RMB or HKD

    • 3 years premium payment and guaranteed return at the 8th year

    • Option for premium prepayment

    • Hassle-free application without medical examination

    More Details

    Well Save Supreme Endowment Plan

    • Return of guaranteed cash value at maturity is up to 3.65% per annum (applicable to RMB-denominated single premium policies)

    • Policy currency selection of USD, RMB or HKD

    • Option for single premium or 3-year premium payment period

    • Hassle-free application without medical examination

    More Details

  • Application Tips
  • Claim Tips
  • Contact Us

Application Tips

  • Life & Health Protection

  • Savings

  • Annuity

If you cannot complete your application in one time, you can click "Save and Exit" at the bottom right corner.

Fill in your email address, set your own password and submit to us.

We will send you an email and you can click the hyperlink provided in the email to continue your application within 30 days.

  • Quote Immediately

    -Input your date of birth, gender, sum insured or plan level, etc, you will immediately get the premium required.

  • Complete Personal Information

    -You can start applying after confirmation of the quotation.

    -You can only apply for yourself, so just provide your personal information.

  • Answer Health Questions

    -Answer the health questions accordingly. If you apply the Well SmartPro or Well Protect 108 Refundable Hospital Income Insurance Plan, only a few health questions and no medical examination is required. For Well Protect 108 Refundable Personal Accident Insurance Plan, we even do not require you to declare your health and no medical examination.

    -If you have enquiries during the application process, feel free to contact us and we are happy to answer your questions,

  • Provide Tax Residency Information (for refundable plan only)

    -Declare tax residency in accordance with United States Government’s Foreign Account Tax Compliance Act (“FATCA”) and the Inland Revenue (Amendment) (No. 3) Ordinance 2016 and the subsequent relevant amendment ordinance.

  • Upload Documents

    -Take a photo of or upload your Hong Kong Identity Card.
    -Take a photo of or upload another official identity document with photo.
  • Select Payment Method

    -You can choose to authorize us to debit your account or use your credit card (Visa, Mastercard or JCB card) for payment of initial premium and levy.

    -You can also choose to pay future premiums and levy by autopay

    -If you choose to pay future premiums through autopay by credit card, the same credit card for initial premium will be used for autopay.

  • Submit Application

    -Your application will be submitted to us immediately after you confirm your payment.

    -We will immediately send an email to you with your application details and future premium reference / benefit illustration (where applicable) for your record.

  • Assess Application

    -In general, assessment will only take 2 working days.

    -If your application is accepted, you will receive an SMS confirmation. You will also receive an email containing your policy document confirming the policy being effective.

    -If we need additional information from you, we will contact you as soon as possible.

  • Manage Policy

    -After your policy becomes effective, you can register at our online policy service platform and check your policy at any time. Before any premium refund and key policy changes will be made, you may be required to visit our office in person and, in case of premium refund via credit card, bring along with proof of your personal credit card for premium payment, for verification.

  • Quote Immediately

    -Input your date of birth, gender, sum insured, etc, you will immediately get the premium required.

  • Complete Personal Information

    -You can start applying after confirmation of the quotation,

    -You can only apply for yourself, so just provide your personal information.

  • Answer Health Questions

    -You only need to answer health questions. No medical examination is required if you apply the Well SmartPro.

    -If you have enquiries during the application process, feel free to contact us and we are happy to answer your questions,

  • Upload Documents

    -Take a photo of or upload your Hong Kong Identity Card

    -Take a selfie, take a photo of or upload your another official identity document with photo

  • Pay the Premium

    -You can choose to authorize us to debit your account or use your credit card (Visa, Mastercard or JCB card) for payment of initial premium and levy
    -You can also choose to pay future premiums and levy by autopay
    -If you choose to pay future premiums through autopay by credit card, the same credit card for initial premium will be used for autopay.
  • Submit Application

    -Your application will be submitted to us immediately after you confirm your payment,

    -We will immediately send an email to you with your application details and future premium reference for your record.

  • Assess Application

    -In general, assessment will only take 2 working days,

    -If your application is accepted, you will receive an SMS confirmation. You will also receive an email containing your policy document confirming the policy being effective,

    -If we need additional information from you, we will contact you as soon as possible.

  • Manage Policy

    -After your policy becomes effective, you can register at our online policy service platform and check your policy at any time.

    -Before any premium refund and key policy changes will be made, you may be required to visit our office in person and, in case of premium refund via credit card, bring along with proof of your personal credit card for premium payment, for verification.

Claim Tips

  • For the claim application with complete documents and no additional information required, we will handle it according to our service pledge:

    Hospital or Medical claim - within 3 working days

    Death, Critical Illness, Disability or Dismemberment claim - within 5 working days

  • If you have claims or queries, you can call our Claims Hotline at +852 2830 7600. We will assist you in completing the claims and help you through difficult times.

  • For claimable amount estimation of VHIS plans, please call our Claims Hotline and provide required information before hospital admission. We will notify you the estimation result within 3 working days.

  • We have claim specialist to follow your case. During the claim assessment period, we will regularly update you the progress

Contact Us

  • By email to:

    lifeservice@wli.com.hk

  • Call our Customer Service Hotline:

    +852 2830 7500

  • Clickyou can directly contact our customer service team during office hours while using mobile phone or leave your contact information

  • Our office hours are:

    Monday - Friday: 9:00am - 6:00pm
    Saturday, Sunday & Public Holiday: Closed

You may leave us a voice message or an email, we will contact you within 1 working day.