• Meet Your Needs
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Meet Your Needs

  • Supplement your loss of income during hospitalization

  • Affordable premium

  • Extra protection for your loved ones

  • Product Video

The product information here does not contain the full terms of the policy and the full terms and conditions can be found in the policy document.


  • Daily hospital income benefit up to 730 days per hospital confinement

    During the confinement at hospital due to injuries or sickness, you will receive daily hospital income (up to 730 days per hospital confinement) to ease your financial burden.

    If you are admitted to the Intensive Care Unit during the hospital confinement, you will receive double daily hospital income (including the original daily hospital income) up to 30 days.

  • 8-year premium payment for 10-year coverage

    You only pay 8-year premium and enjoy 10-year coverage.

  • Three plan levels to suit your needs

    The Plan offers 3 choices of plan level to suit your personal need.

    • Plan 1


      Daily Hospital Income
    • Plan 2


      Daily Hospital Income
    • Plan 3


      Daily Hospital Income
  • A death benefit to better protect your loved ones

    If you pass away while the policy is in force, a death benefit that equals to 150% of total equivalent annual premiums paid will be provided to support the beneficiary(ies).

    If you unfortunately pass away as a result of an accident, while the policy is in force, an accidental death benefit that equals to 50% of total equivalent annual premiums paid will be provided additionally to the beneficiary(ies).

  • Refund 108% of total premium paid at maturity

    You will receive a refund of premium equals to 108% of total equivalent annual premiums paid at policy maturity, regardless of any claims made on daily hospital income or intensive care benefit during the coverage period.

  • Easy to apply, no medical examination is required

    The application is simple. You only need to make simple health declaration to complete the underwriting process and no medical examination is required.

Benefits at a glance
Daily Hospital Income
  • HKD600 per day
  • HKD900 per day
  • HKD1,200 per day
Maximum 730 days per each hospital(5) confinement
Intensive Care Benefit (1)(2)(3)
  • HKD600 per day
  • HKD900 per day
  • HKD1,200 per day
Maximum 30 days per each admission to intensive care unit
Death Benefit
150% of the total equivalent annual premiums paid(4)
Accidental Death Benefit
Additional 50% of the total equivalent annual premiums paid(4)



Hospital confinement means the registration for admission and confinement of the life insured as an in-patient in a hospital upon recommendation of a physician for the treatment of an injury or sickness for a minimum of 6 hours and continuously stay in the hospital prior to discharge. If two or more confinements are due to the same or related injury or sickness, or to any complications arising from it, such confinements shall be regarded as one confinement if each of them is not separated by more than 90 days.


If confined in a hospital in places other than Hong Kong, the Macau Special Administrative Region, Singapore, Malaysia, Thailand, Japan, Taiwan, South Korea, U.S.A., Canada, Western Europe (Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Monaco, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom and Vatican City), Australia and New Zealand, any benefit payable for each day of hospital confinement and admission to intensive care unit during the hospital confinement (if applicable) shall be reduced to 50% of the relevant benefits; and the maximum period for which the daily hospital income benefit is payable per hospital confinement shall be reduced to 90 days.


No daily hospital income and intensive care benefit are payable if the life insured suffers any sickness or diseases before or within 30 days from commencement date or the date of reinstatement of the policy (whichever is later). However, the Company will pay these benefits for injury caused by accident that happens on or after the commencement date of the policy.


Total equivalent annual premiums paid means the accumulated premiums due and paid at the relevant date which is calculated as “annual premium” (i.e. premium payable for annual mode) divided by 12 then multiplied by the corresponding number of months that the premium has been paid. Levy or premiums of other benefit items (if any) will be excluded.


For hospitals in PRC, hospitals not listed on the prevailing “List of Specified Hospitals in PRC” maintained by the Company at the time of admission do not fall within the definition of “Hospital”. Please refer to the “List of Specified Hospitals in PRC” in the download section below.


We only allow one Well Protect 108 Refundable Hospital Income Insurance Plan for each applicant.

  • Important information


    This product is a non-participating policy and a non-indemnity hospital cash insurance to supplement loss of income during hospitalization.


    You should pay premium(s) on time and according to the selected premium payment term. Should you terminate this plan early or cease paying premiums early, you may suffer a significant loss, including but not limited to, loss of coverage, surrender charge and financial loss.


    We reserve the right to review and adjust the premium for particular risk classes, based on the overall claims and policy persistency experience, on every policy anniversary. We will not adjust the premium unless we notify you prior to the policy's anniversary. For the avoidance of doubt, the Company shall not adjust the premium on an individual basis.

  • Major product risks

    Liquidity Risk

    If Policyowners surrender the Policy before the maturity of the Policy, they may only receive the surrender benefit with all the indebtedness of the Policy deducted which may be significantly less than the total amount of premiums paid.

    Credit Risk

    Any premiums you paid would become part of our assets and so you will be exposed to our credit risk. Our financial strength may affect our ability to meet the ongoing obligations under the insurance policy.

    Inflation Risk

    Please note that the cost of living in the future is likely to be higher than it is today due to inflation. Hence, the insurance coverage planned today may not be sufficient to meet your future needs.

  • Major exclusions

    For daily hospital income benefit or intensive care benefit:


    Any pre-existing Condition;


    Any sickness with symptoms occur within 30 days after policy being effective;


    Attempted suicide or self-inflicted injuries while sane or insane;


    Drug-taking other than under the prescription or direction of a physician, abuse of alcohol or the taking of poison;


    Professional or hazardous activities or sports;


    Psychological or psychiatric condition and mental or disorder;


    General health checks, convalescence, custodial or rest care; or dental treatment, preventive or vaccination treatment, cosmetic surgery or treatment.

    For accidental death benefit:


    Disease or infection;


    Attempted suicide or self-inflicted injuries while sane or insane;


    Drug-taking other than under the prescription or direction of a physician, abuse of alcohol or the taking of poison;


    Poison, gas or fumes, voluntarily or otherwise taken, absorbed or inhaled;


    Racing of any kind other than on foot, or participation in all forms of professional sports competition with reward and income.

    Above listed is for reference only. Details of full exclusions please refer to Policy Terms and Conditions.

  • Cooling-off Right

    This right allows you to cancel this policy, obtain a refund of any premiums paid within the Cooling-off Period. The cancellation notice must be signed by you and received directly by us at our office address within 21 calendar days immediately after the earlier of the day of delivery of (i) the policy or (ii) the Cooling-off Notice to you. The Cooling-off Notice is a notice to be sent to you by us notifying you of the Cooling-off Period around the time of policy delivery.


  • Note:
  • 1.This plan is underwritten by Well Link Life Insurance Company Limited and intended for sale in Hong Kong only.
  • 2.This webpage contains general information for reference only. The product information does not contain the full terms of the policy. The benefit coverage and full terms can be found in the policy document. If there is any conflict between the policy document and this webpage, the policy document shall prevail.

For enquiries, please click Contact Us or call our Customer Service Hotline:  +852 2830 7500

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