FAQFAQ

About Wesurance:

What is smart insurance?

TLDR: Technology-led insurance to provide smarter solutions.

Smart insurance is the trend for insurance companies. It is the application of technology in the form of smartphone apps, online policy handling, blockchain, artificial intelligence and big data; igniting a revolution in the way insurance is bought, managed and sold. As a result, insurance is approaching a critical point in it’s 300 year history.
Wesurance is the first firm in Hong Kong to take advantage of the available technology, bringing levels of efficiency, transparency and flexibility that were previously not achievable. We’re building a 21st century insurance alternative that makes affordability, speed and user-experience a priority to suit your global lifestyle.

How do I download Wesurance?

Wesurance is available as a free mobile app on Android and iOS.

How can I contact you guys?

Easy. Press ‘switch to our live agent’ in the customer service section of our app. You can also inbox us anytime on our Facebook page. Feel free to drop us some feedback or comments.

How do you protect my privacy?

We take your privacy seriously. When we process your personal information, every precaution has been taken to comply with Hong Kong laws and keep your data confidential. We will not share or sell your information for marketing purposes.

Can you explain your low prices?

Sure we can. When you buy insurance through a traditional insurer, you need to go through insurance agents or other middlemen who take a cut. We don’t. Our fully digital channels allow us to lower costs and use your money where it counts.

Are you an insurance company?

Wesurance Digital Limited is a registered agency (Reg. No. 17975469) in accordance with the Insurance Companies Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent for distribution of insurance products in Hong Kong.

Can I trust you guys?

Absolutely. The app may be new, but our insurance model and our corporate partners are proven and trusted worldwide.

What if I’m not a Hong Kong permanent resident?

Your nationality doesn’t matter to us.
FYI, if you’re buying travel insurance, your trip must begin and end in Hong Kong or Macau. If you’re buying personal accident insurance, coverage is limited within Hong Kong boundaries.

Policy:

What does my policy cover?

That depends on the policy you buy. You get to view your policy coverage before you make your purchase. After payment, you will be able to view your policy in our app home page. We understand reading your insurance policy is not exactly the most exciting thing in the world, but make sure to read the policy summary to get a good idea of what’s covered and what’s not. We recommend taking a look at the policy wording as well.

What does my policy not cover?

As much as we want to, unfortunately, there are things that we don’t cover. For example, we can’t reimburse you in the event of a nuclear explosion. Or a zombie apocalypse.

What types of insurance do you offer?

We currently offer travel and personal accident insurance.

What payment methods do you accept?

Currently the only payment option available is credit card. We are going to offer Apple Pay and Android Pay in the near future.

Can I reschedule my policy?

Yes you can! All you have to do is press the ‘reschedule’ button in your policy page. It takes less than a minute.

Can my child buy insurance?

Not right now. This feature for 13-16 year olds will be ready by the end of July. In the meantime, you can follow us on Facebook or Twitter to get the latest updates.

Can I add a friend or family member who doesn’t have Wesurance?

While they are strongly encouraged to download the app to keep track of their policy, it is not strictly necessary. Only the organiser needs the app to purchase insurance for the entire party.

Claims:

How will I get paid for a claim?

We will contact you as soon as your cheque is available. We will then send you a cheque with the full amount to your home address. You can also choose to collect your cheque at our office at 814 Level 8 Core F Cyberport 3,100 Cyberport Road, Hong Kong.

What do I need to provide?

Benefits can be claimed simply by notifying us and taking photos of required documents. Leave the rest of the claim process to us!

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