Sun Life WeHealth Prestige is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00063-01-000-01. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$13,577 |
| 45 | HK$20,136 |
| 60 | HK$40,932 |
| 75 | HK$88,088 |
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 | Semi-private |
|---|---|
| Geographical cover | asia |
| Annual limit | HK$10,000,000 |
| Lifetime limit | HK$40,000,000 |
| Room and board | Paid in full |
| Hospital charges | Paid in full |
| Doctor's visits | Paid in full |
| Specialist fees | Paid in full |
| Intensive care | Paid in full |
| Surgeon's fee | Paid in full |
| Anaesthetist | Paid in full |
| Operating theatre | Paid in full |
| Diagnostic imaging | Paid in full |
| Non-surgical cancer treatment | Paid in full |
| Outpatient before and after | Paid in full |
| Psychiatric treatment | HK$40,000 |
Also includes outpatient general, dental, maternity, chinese medicine, home nursing, hospital cash, rehabilitation, hospice care, kidney dialysis, reconstructive surgery, 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 | lifetime p.17 |
|---|---|
| Maximum entry age | 120 p.79 |
| Pre-existing conditions unknown at application | No coverage for first 30 days of first policy year, full coverage from 31st day of first policy year onwards p.29 |
| Waiting period | none p.29 |
| Cancellation and refund | Full refund within 21-day cooling-off period. No refund for cancellation after cooling-off period if benefits paid in current policy year. p.4 |
| Switching from another plan | Switching to another plan with upgraded benefits may involve re-underwriting; switching to a plan with downgraded benefits is at company's discretion without re-underwriting. p.18 |
| Room class | Semi-private Room p.71 |
| If a higher room is used | 50% if Standard Private Room, 0% if any ward class above Standard Private Room p.65 |
| Geographical cover | Asia (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, and Vietnam) p.64 |
| Psychiatric treatment area | Hong Kong only p.28 |
| Emergency treatment abroad | Covered outside Asia p.64 |
| Full cover on core benefits | yes p.75 |
| Annual limit | 10,000,000 HKD p.71 |
| Lifetime limit | 40,000,000 HKD p.71 |
| Deductible options | 0, 20000, 50000, 80000 p.77 |
| How the deductible applies | Per policy year; can be reduced at ages 50, 55, 60, 65, 70, 75, 80, 85 p.35 |
| Coinsurance | none p.34 |
| Pre-admission outpatient | Full cover per visit: 1 visit more than 30 days before, maximum 1 visit per day within 30 days before admission p.71 |
| Post-discharge outpatient | Full cover per visit: maximum 1 visit per day within 90 days after discharge p.71 |
| General outpatient | none |
| Psychiatric treatment | 40,000 HKD per Policy Year p.71 |
| Diagnostic imaging coinsurance | none p.71 |
| Non-surgical cancer treatment | full cover p.71 |
| Kidney dialysis | Full cover p.72 |
| Day case procedures | Covered as in-patient, plus 1,000 HKD cash benefit per surgical procedure p.72 |
| Home nursing | Full cover, maximum 30 days per policy year, 1 Qualified Nurse per day (within 90 days after discharge from hospital following surgery or ICU admission) p.72 |
| Hospice care | 100,000 HKD per Policy Year p.72 |
| Chinese medicine | 1,000 HKD per visit, maximum 20 visits per policy year, 1 visit per day (within 90 days after discharge or day case procedure) p.72 |
| Physiotherapy | Covered during confinement and as follow-up outpatient visits (within 90 days after discharge) p.26 |
| Congenital conditions | Covered from age 8 p.32 |
| Pregnancy complications | Full cover for Covered Pregnancy Complications if diagnosed at least 300 days from Policy Effective Date p.51 |
| Emergency dental | Full cover for emergency treatment necessitated by injury from accident to natural tooth/teeth within 90 days from accident p.72 |
| Hospital cash | 1,200 HKD per day, up to 90 days per policy year, for confinement in General Ward of a private hospital in Hong Kong p.72 |
| Companion bed | Full cover for extra bed for immediate family members p.72 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA), health supplements; birth control, sterilisation, sex reassignment, sexual dysfunction; purchase of durable medical equipment or appliances; other forms of alternative treatment (hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy) p.31 |
At a constant age of 45, Sun Life has filed 1 schedule change on this plan since 2021, an average of +2.4% a year, taking the premium from HK$17,979 to HK$20,136.
| Year | Change |
|---|---|
| 2023 | no change |
| 2024 | no change |
| 2025 | no change |
| 2026 | +12.0% |
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.