Sun Life WeHealth Plus is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00026-01-000-03. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$3,098 |
| 45 | HK$5,080 |
| 60 | HK$9,433 |
| 75 | HK$18,020 |
Female non-smoker, the plan currency, before levy. Age is the only thing that changes down this table; it is the plan's own filed schedule, not a quotation.
| Room | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$500,000 |
| Lifetime limit | None |
| Room and board | HK$1,100 |
| Hospital charges | HK$15,000 |
| Doctor's visits | HK$750 |
| Specialist fees | HK$4,300 |
| Intensive care | HK$4,500 |
| Surgeon's fee | HK$50,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$20,000 |
| Non-surgical cancer treatment | HK$80,000 |
| Outpatient before and after | HK$3,000 |
| Psychiatric treatment | HK$30,000 |
Also includes home nursing, hospital cash, rehabilitation, hospice care, kidney dialysis, a death benefit.
Read from the certified Terms and Benefits. Each page link opens that page of the filed document. Fields the document does not state are left out.
| Guaranteed renewal to age | 100 p.16 |
|---|---|
| Pre-existing conditions unknown at application | 0% for first 30 days of Policy Year 1, 100% from day 31 of Policy Year 1 p.28 |
| Waiting period | 30 days for unknown pre-existing conditions; 90 days for kidney dialysis treatment p.28 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no claims. After cooling-off, cancellation with 30 days notice, no refund if benefit paid in policy year. Pro-rata refund upon death of Insured Person or company ceasing authorization. p.4 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits allows re-underwriting for those benefits. Switching to a plan with downgraded/reduced benefits does not allow re-underwriting but is subject to company discretion. p.18 |
| Room class | not restricted p.23 |
| If a higher room is used | For Supplementary medical benefit, 50% adjustment factor for Semi-Private Room, 25% for Standard Private Room and/or above p.49 |
| Geographical cover | worldwide p.23 |
| Psychiatric treatment area | Hong Kong only p.27 |
| Emergency treatment abroad | Covered worldwide, Emergency outpatient treatment up to HKD 5,000 per Policy Year p.23 |
| Full cover on core benefits | no p.56 |
| Annual limit | HKD 500,000 p.57 |
| Lifetime limit | none p.57 |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests; 20% for Supplementary medical benefit p.33 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, up to HKD 580 per visit and HKD 3,000 per Policy Year p.57 |
| Post-discharge outpatient | 3 visits per Confinement/Day Case Procedure (within 90 days), up to HKD 580 per visit and HKD 3,000 per Policy Year p.57 |
| General outpatient | none |
| Psychiatric treatment | HKD 30,000 per Policy Year p.57 |
| Diagnostic imaging coinsurance | 30% p.56 |
| Non-surgical cancer treatment | HKD 80,000 per Policy Year p.56 |
| Kidney dialysis | HKD 60,000 per Policy Year, after 90-day waiting period p.57 |
| Day case procedures | Covered as in-patient, with a cash benefit of HKD 1,000 per procedure p.34 |
| Home nursing | HKD 800 per day, max 15 days/year (below 60) or 30 days/year (60 or above), within 90 days post-discharge p.57 |
| Hospice care | none p.35 |
| Chinese medicine | Acupuncture treatment covered post-confinement/day case, HKD 400 per visit, up to 15 visits per Policy Year (within 90 days); other traditional Chinese medicine treatments are excluded p.31 |
| Physiotherapy | Covered during confinement, and post-confinement/day case up to HKD 400 per visit, up to 15 visits per Policy Year (within 90 days) p.24 |
| Congenital conditions | Covered if manifested or diagnosed at age 8 or later p.32 |
| Pregnancy complications | none p.31 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.31 |
| Hospital cash | HKD 500 per day of Confinement (max 90 days/year) or per Day Case Procedure, if reimbursed by another policy p.58 |
| Companion bed | HKD 400 per day, max 30 days per Policy Year, for Insured Person below 19 or 60 or above p.57 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Pre-authorisation for claimable amount estimate is available p.21 |
| No-claim discount | 15% discount on Standard Premium and Premium Loading if no claims for 3+ consecutive Policy Years p.44 |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances p.31 |
At a constant age of 45, Sun Life has filed 3 schedule changes on this plan since 2021, an average of +2.4% a year, taking the premium from HK$4,245 to HK$5,080.
| Year | Change |
|---|---|
| 2022 | +6.0% |
| 2023 | no change |
| 2024 | +7.5% |
| 2025 | +5.0% |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
Private hospitals publish what they billed for common operations. These pages take those bills and work out what a plan pays of them.
Every procedure with published bills
The certified plan document as filed, on the Health Bureau's VHIS site.