Refer Friends, Get Rewarded!

We believe everyone deserves the best protection, like you and our furry buddies. Our Pet Insurance, Fire Insurance, Critical Illness Insurance and Home Insurance offer the support you need when trying to cope with unexpected situations. We need your help to spread the word so more friends, both humans and animals, can get the protection they deserve!​

Rewards Detail

Earn a HKD 200 supermarket cash coupon upon 1 or 2 successful referrals of our Pet and Critical Illness Insurance! Earn Apple AirPods (3rd generation) upon every 3 successful referrals! For friends enrolling using your unique referral code will get 20% discount & HKD 200 supermarket coupon too.

Who Can Participate:

Pawfect Care / InfiniCare / Home / Fire Insurance Policyholders

How To Participate:

Pawfect Care / InfiniCare Policyholders:

Refer friends to join by using your referral code. You can earn a HKD 200 supermarket cash coupon upon 1 or 2 successful referrals! Earn Apple AirPods (3rd generation) upon every 3 successful referrals!!

Your member ID number = Your unique referral code​e.g."M000XXXXXX​

Home / Fire Insurance Policyholders:

Fill in this form to receive your unique referral code

No.1 virtual insure with the highest number of users in Hong Kong


Since our inception in 2016, OneDegree provides efficient, comprehensive, and customized online insurance to Hong Kong people. With our latest Critical Illness Insurance, along with our Pet and Fire Insurance, we strive to stand by you through thick and thin, and face the unexpected by your side.​

Critical Illness Insurance 

Everyone needs critical illness protection, we are committed to offer the most comprehensive solution to you and your family, and take care of your different health needs.

Pet Insurance

Like us, our furry friends need protection too! We offer a dedicated plan to your beloved furbaby, making sure they can receive the best medical attention when needed!

Start referring! Rewards await both you and your friends

Not yet a member of OneDegree? Check out our current offers here!

Onto the Next Insurance Frontier

Please don't hesitate to reach out should you have any questions

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Terms & Conditions

  1. OneDegree Referral Campaign (the “Referral Campaign”) is effective starting from now until 31 August 2022 (“Campaign Period”). By participating in the Referral Campaign, you agree to be bound by the terms and conditions.
  2. Existing Policyholders of any OneDegree insurance policy (“Existing Policyholder”), including Pawfect Care, InfiniCare, Home Insurance and Fire Insurance, underwritten by OneDegree Hong Kong Limited (“OneDegree”), can participate in the Referral Campaign as a referrer (“Referrer”). To enjoy the Referral Award, a Referrer must successfully refer another person to purchase Pawfect Care Pet Insurance or InfiniCare Critical Illness Insurance (“Referred Customer”) during the Campaign Period.
  3. To refer another person, an Existing Policyholder can share their Member ID with a Referred Customer, who should then use the Member ID as a unique referral code (“Promo Code”) when purchasing a policy. Existing Policyholders can find their Member ID by going to and logging into their personal account. An Existing Policyholder of home insurance or fire insurance can submit the form to apply for the Promo Code and OneDegree will share the unique referral code via email within 7 working days.
  4. A referral will be considered successful (“Successful Referral”) when:
    (1) the Referred Customer becomes a Pawfect Care or InfiniCare Policyholder by completing a policy purchase during the Campaign Period using the Promo Code shared by the Referrer on a designated page (“Referred Policy”);
    (2) If the Referred Customer purchases an InfinCare policy, the net total annual premium (excluding premium levy and after Premium Discount) is equal to or over HKD 1,500;
    (3) the Referred Customer does not cancel their policy within the 7-day cooling off period;
    (4) the Referred Customer is buying OneDegree insurance policy for the first time; and
    (5) the Existing Policyholder still holds an active policy at the time the Referral Reward is given to the Existing Policyholder.
  5. The Referred Customer in a Successful Referral can enjoy 20% off premiums for the first policy year (“Premium Discount”). To enjoy the Premium Discount, Referred Customers must complete the policy purchase by entering the Promo Code on the designated page during the Promotion Period. Any failure in doing so will result in loss of discount and no refunds shall be arranged afterwards.
  6. OneDegree’s system will automatically apply the Premium Discount to applicable plans and payment modes and display it on the website. The actual premium payable will be shown at checkout and shall be the final amount.
  7. The Premium Discount is only applicable to premiums for the first year of a policy.
  8. For Successful Referrals within the Promotion Period, Referrers will receive one of the below rewards (“Reward”):
    (1) 1 or 2 Successful Referrals: one HKD200 ParknShop cash voucher (“Coupon“) for each of the successful referrals;
    (2) Every 3 Successful Referrals (“Eligible Policyholder”) : one Apple AirPods (3rd generation) (“Extra Reward”).
  9. OneDegree will inform all Eligible Policyholders within 3 months and Eligible Policyholders should collect their Extra Rewards within 1 month. Actual reward collection date may vary as it will be subject to stock availability. If the Extra Reward is out of stock, it will be replaced by a product with the same value.
  10. All Eligible Policyholders will be required to collect the Extra Reward at OneDegree office and provide identification documents for verification purposes.
  11. For each Successful Referral within the Promotion Period, Referred Customers will also receive one HKD200 ParknShop cash voucher (“Referred Customer Reward”).
  12. Referrers and Referred Customers will receive the voucher redemption link via email within 3 months. OneDegree will not be responsible for delivery failure of the vouchers if it is due to incomplete or inaccurate information provided by the Policyholders
  13. If the Referrer or the Referred Customer cancels their policy before obtaining their rewards under the Referral Campaign, they will lose the right to claim their Referral Rewards.
  14. If a Referrer cancels the insurance policy during the policy term, OneDegree reserves the right to deduct the Referrer Reward from any premium refund.
  15. The Referral Campaign cannot be used in conjunction with other policy premium discount offers.
  16. All rewards are not transferable and not redeemable nor exchangeable for cash or any other benefits.
  17. The Referrer and the Referred Customer cannot be the same person.
  18. For details of coverage, terms, conditions, and exclusions of Pawfect Care or InfniCare, please refer to the policy wording.
  19. OneDegree reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with the Referral Campaign. OneDegree’s determination of all matters relating to this Referral Campaign shall be final.
  20. Please read these terms and conditions together with our Terms of Use, Privacy Statement, Cookie Policy and any other specific product terms that may be applicable to this Referral Campaign (collectively, “Other Terms”). If there is any inconsistency between these terms and conditions and the Other Terms, these terms and conditions shall, to the extent of such inconsistency, prevail.
  21. OneDegree reserves the right to make the final decision in case of dispute, including disputes relating to eligibility for rewards, number of Successful Referrals, and interpretation of terms and conditions.
  22. Should there be any discrepancy or inconsistency between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.
  23. These Terms and Conditions shall be governed by and interpreted in accordance with the laws of Hong Kong Special Administrative Region ("HKSAR"); and subject to the non-exclusive jurisdiction of the courts of HKSAR.

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