• Meet Your Needs
  • Features
  • Apply Now

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.

Features

  • 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

    HKD600

    Daily Hospital Income

    Plan 2

    HKD900

    Daily Hospital Income

    Plan 3

    HKD1,200

    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

Plan 1

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Plan 2

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Plan 3

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Daily Hospital Income Benefit1,2,3

HKD600 per day

HKD900 per day

HKD1,200 per day

Maximum 730 days per each hospital5 confinement

Intensive Care Benefit1,2,3

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 paid4

Accidental Death Benefit

Additional 50% of the total equivalent annual premiums paid4

Remarks:

1. 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.

2. 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.

3. 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.

4. 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.

5. 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
  • Major product risks
  • Major exclusions
  • Cooling-off Right

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  • 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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