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yuu Insure Products
Protect yourself, your loved ones and valuable belongings with our online comprehensive range of insurance products today! yuu has partnered with quality insurance brands to offer all-round protection for you and your family. It is only a few simple steps in the yuu App to get the insurance coverage you need and earn yuu Points.
Private Car Insurance
Home Insurance
Travel Insurance
Term Life Insurance
Cancer Life Insurance
Deferred Annuity Plan
Endowment Life Insurance
Refundable Hospital Cash Plan
Personal Accident Insurance
Private Car Insurance
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Comprehensive Coverage: Up to HK$250,000 personal accident protection and up to HK$5,000 windscreen protection
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Affordable: Depending on the value of your car, the premium can be as low as HK$6 a day
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Earn yuu Points: Earn 1 yuu Point for every HK$1 premium paid.
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Home Insurance
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Comprehensive Coverage: Home contents cover of up to HK$1,000,000 and Personal liability insurance cover of up to HK$5,000,000
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Affordable: Premium as low as HK$1.9 per day
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Earn yuu Points: Earn 1 yuu Point for every HK$1 premium paid.
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Travel Insurance
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Comprehensive Coverage: Coverage for medical expenses or trip cancellation due to Covid-19
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Unlimited Emergency Service: 24-Hour Worldwide Emergency Assistance Services, unlimited benefit amount for Emergency Medical Evacuation and/or Repatriation
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Earn yuu Points: Earn 1 yuu Point for every HK$1 premium paid.
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Term Life Insurance
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Comprehensive Coverage: Up to HK$8,000,000 Life Insurance Protection
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Affordable: Premiums as low as HK$0.8 per day* & 5-month premium waiver (*Based on the sum insured of HK$500,000 for a 18-year-old non-smoking female)
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Earn yuu Points: Earn 1 yuu Point for every HK$1 of your insurance premium paid in the first policy year
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Cancer Life Insurance
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Comprehensive Coverage: Benefit of up to HK$5,000,000 of Cancer, Carcinoma-in-situ and Early Stage Cancer
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Affordable: Premium as low as HK$0.3 per day* & 5-month premium waiver (*Based on sum insured of HK$100,000 for a 18-year-old non-smoking male)
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Earn yuu Points: Earn 1 yuu Point for every HK$1 of your insurance premium paid in the first policy year
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Deferred Annuity Plan
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Qualifying Deferred Annuity Policy: The tax saved within each assessment year can be up to HK$10,200 per taxpayer (assuming an applicable tax rate of 17%)
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Guaranteed Income: Monthly guaranteed annuity income with a guaranteed internal rate of return 3.02% - 3.30% for 10 years
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Earn yuu Points: Earn 1 yuu Point for every HK$1 of your insurance premium paid in the first policy year
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Endowment Life Insurance
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High Guaranteed Return: Up to 120.2% Guaranteed Return Upon Maturity
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Affordable: Premium as low as HK$600 per month
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Earn yuu Points: Earn 1 yuu Point for every HK$1 of your insurance premium paid in the first policy year
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Refundable Hospital Cash Plan
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Hospital Cash Benefits: Up to HKD150,000 per year, Daily Hospital Cash Benefit will be paid up to 100 days per year
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Premium Refund: Up to 103% refund of Total Premiums Paid upon 3-year policy maturity
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Earn yuu Points: Earn 1 yuu Point for every HK$1 of your insurance premium paid in the first policy year
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Personal Accident Insurance
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Coverage: Up to HK$80,000 Accidental Death and Permanent Disablement benefit
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Free and paid policies to choose from
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A wide range of Covered Sports include yoga, running, gym workout, wakesurfing and more
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Successfully enrol in the following to earn Points faster
yuu Insure Bonus Points are only applicable during designated periods, and the yuu Insure Bonus Points programme will be terminated by the end of day on 31 August 2024. Please note that the Eligible Insurance Customers will no longer be able to earn yuu Insure Bonus Points through purchases at Mannings, Wellcome, Market Place by Jasons, Market Place, 3hreeSixty and / or Oliver’s The Delicatessen from 1 September 2024 onwards. We appreciate your understanding and thank you for your participation in the program.
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*yuu Insure Bonus Points are only applicable during designated periods, and the programme will be terminated by the end of day on 31 August 2024. For details, please refer to the relevant terms and conditions. To borrow or not to borrow? Borrow only if you can repay!
Terms and Conditions
1. If you have successfully applied for the following plan(s) through the yuu App (“App”): • the Allianz Private Car Insurance Plan which is featured currently in the “yuu Insure” section within the App and underwritten by Allianz Automotive (a division of Allianz Global Corporate & Specialty SE Hong Kong Branch (incorporated in the Federal Republic of GeBrmany with limited liabilities)) (“Allianz”) (“Private Car Insurance Plan”) ; • the general insurance product(s) which is/are featured currently in the “yuu Insure” section within the App and underwritten by Chubb Insurance Hong Kong Limited (“Chubb”) (“Designated General Insurance Products”); and / or • the life insurance plan(s) which is/are featured currently in the “yuu Insure” section within the App and underwritten by Hang Seng Insurance Company Limited (“HSIC”) (“Designated Life Insurance Plans”) you will earn Base Points of 1 Point for each HK$1 premium paid (unless otherwise specified). In respect of Designated Life Insurance Plan(s), you will not be eligible for any Base Point if you exercise the right to cancel the insurance policy during the cooling-off period as provided therein. Regarding how to use your Points for sharing or redeeming Rewards, please refer to the yuu Rewards Club T&Cs (https://www.yuurewards.com/terms-and-conditions) for details. For the eligibility and coverage of the Private Car Insurance Plan, Designated General Insurance Products and Designated Life Insurance Plans, please refer to the information currently provided by the relevant authorised insurers for details. Each relevant authorised insurer reserves the right at its sole discretion whether to accept or decline your insurance application and issue any insurance policy. 2. The Base Points you earn will be credited to your yuu Account in accordance with the following timeline: • Applicable to Designated General Insurance Product(s) and / or Private Car Insurance Plan(s) - Base Points will first be credited to the eligible yuu Account upon policy issuance. The subsequent Base Points will then be credited to the eligible yuu Account on an annual / monthly basis (subject to policy payment mode) when the premium is successfully settled throughout the period of insurance coverage. • Applicable to Designated Life Insurance Plan(s) - Base Points entitled in the first month will be credited to the eligible yuu Account 1 month after expiry of the cooling-off period. Base Points for subsequent premium from monthly payment will be credited to the eligible yuu Account about 2 weeks upon each successful premium collection. Base Points earned is only applicable to the premium paid in the first year while the policy remains in force and the yuu Account remains valid. • For Designated General Insurance Product(s) purchased through Telesales channel or renewal of policy(ies)of Designated General Insurance Product(s), Base Points will be credited to your yuu Account within three months after premium is received by the relevant authorised insurer. 3. If you have successfully applied for any of the following insurance plan(s) through the App: • Allianz Private Car Insurance Plan underwritten by Allianz; or • MyHomeGuard home insurance (“MyHomeGuard Plan”) underwritten by Chubb; or • eFamilyPro Life Insurance Plan (“eFamilyPro Plan”) underwritten by HSIC You will become eligible insurance customers ("Eligible Insurance Customers"),in addition to the Basic Points to which you are entitled pursuant to Clause (a) above, you will be entitled to an additional 1x Point (“yuu Insure Bonus Point(s)”) for each HK$1 spent at Mannings, Wellcome, Market Place by Jasons, Market Place, 3hreeSixty, and / or Oliver’s The Delicatessen in Hong Kong (“Designated Participating Outlets”). If you have successfully applied for any 2 or all 3 insurance plans stated above through the App, you will be entitled to additional 2x and 3x yuu Insure Bonus Points for each HK$1 spent at the Designated Participating Outlets respectively. yuu Insure Bonus Points are only applicable during designated periods. They vary depending on the insurance plan(s) you apply for, and the yuu Insure Bonus Points programme will be terminated by the end of day on 31 August 2024. Please refer to points (d) and (e) for details. Please note that the Eligible Insurance Customers will no longer be able to earn yuu Insure Bonus Points through purchases at Designated Participating Outlets from 1 September 2024 onwards. 4. If you are an eligible policyholder of MyHomeGuard Plan and / or Allianz Private Car Insurance Plan, you will become eligible for yuu Insure Bonus Points during Period of Insurance, and the eligibility of earning yuu Insure Bonus Points will be terminated on 31 August 2024. 5. If you are an eligible policyholder of eFamilyPro Plan, you will become eligible for the yuu Insure Bonus Points 1 month after the policy cooling-off period (i.e. the same day when the Base Points are credited). The eligibility of earning yuu Insure Bonus Points will be valid for 1 year, or will be terminated on 31 August 2024, whichever date is earlier. For example, if your Base Points are first credited on 1 August, your eligibility for 1x yuu Insure Bonus Point when you shop at Designated Participating Outlets will commence on 1 August, and will be valid till 31 August 2024. 6. You will only be entitled to yuu Insure Bonus Points when the designated policy remains in force. 7. If you are a holder of any of the policies eligible for yuu Insure Bonus Points underwritten by the relevant authorised insurer, any subsequent enrolled policy(ies) of the same insurance plan will not be eligible for any yuu Insure Bonus Points as you are entitled to no more than 1x yuu Insure Bonus Point per the same insurance plan. For the avoidance of doubt, the maximum yuu Insure Bonus Points you earn remain to be 1x yuu Insure Bonus Point for each HK$1 spent at the Designated Participating Outlets. For example, if you have 2 enrolled policies of MyHomeGuard Plan at the same time, you will only be entitled to 1x yuu Insure Bonus Point. 8. In respect of Private Car Insurance Plan, Designated General Insurance Product(s) and Designated Life Insurance Plan(s), in the event of a refund of policy premium, policy cancellation or policy lapse, yuu, HSIC, Chubb and Allianz reserve the right to deduct your Base Points and yuu Insure Bonus Points earned from your yuu Account and/or terminate your eligibility for yuu Insure Bonus Points. 9. If you use a mobile number already registered to an existing yuu Account to register a new yuu Account, this will override the details of the existing Account, including the eligibility for earning Base Points and yuu Insure Bonus Points that you are entitled to when you have successfully applied for Designated General Insurance Products and / or Designated Life Insurance Plans. Under such circumstances, you may no longer be eligible for the subsequent Base Points and yuu Insure Bonus Points even though you have contacted us and successfully reclaimed the yuu Points from your previous Account, and / or successfully paid the premium of the General Insurance Product / Designated Life Insurance Plan and your policy remains in force. 10. yuu reserves the right to terminate the eligibility for Base and yuu Insure Bonus Points or change the relevant Terms without prior notice. The transaction time and crediting time of yuu Insure Bonus Points shall be based on the computer records of DFI Development (HK) Limited (“DFI”). DFI reserves the right to interpret these Terms and Conditions. In case of any disputes, DFI’s decisions are final. 11. We may collect your personal data including your name, mobile number and address for the purposes of offering, providing and marketing to you the products of the relevant authorised insurers, facilitating the processing and evaluating any applications by the authorised insurers or requests made by you in relation to products offered by the relevant authorised insurers and for such other purposes as stipulated in the yuu Rewards Club PICS. Personal data will be kept confidential but, subject to the provisions of any applicable law, may be provided to any of affiliates of and persons associated with the relevant authorised insurers for the purposes of processing and evaluating any applications or requests made by you in relation to products offered by the relevant authorised insurers, providing subsequent services to you, and for any purposes in connection with any claims made by or against or otherwise involving you relevant to the policies issued. We will only use your personal data for a new purpose other than the said purposes when the relevant consent is obtained from you. Further, we will only use your personal data for direct marketing purposes and transfer your personal data to the relevant authorised insurers for use in direct marketing and to be used by the relevant authorised insurers for direct marketing purposes when the relevant consent is obtained from you. 12. DFI is a licensed insurance agency registered with Hong Kong Insurance Authority (licence number: GA1026) appointed by the authorised insurers and authorised to promote and market insurance products of the relevant authorised insurers as agent. 13. In case of any dispute, DFI and the relevant authorised insurers reserve the right of final decision.
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