Sun Life WeHealth Prestige is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00063-02-000-01. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$6,170 |
| 45 | HK$8,840 |
| 60 | HK$20,341 |
| 75 | HK$44,507 |
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 |
|---|---|
| Pre-existing conditions unknown at application | 0% for the first 30 days of the first Policy Year, 100% from 31st day of the first Policy Year onwards p.29 |
| Waiting period | 30 days for unknown pre-existing conditions p.29 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit paid. After cooling-off, cancellation with 30 days notice if no benefit paid in current Policy Year. Pro-rata refund for current Policy Year upon death of Insured Person or Company ceasing authorization. p.4 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits may involve re-underwriting for those benefits. Switching to a plan with downgraded/reduced benefits does not involve re-underwriting but is subject to company discretion. p.18 |
| Room class | Semi-private Room p.71 |
| If a higher room is used | 50% adjustment factor if Standard Private Room is used; 0% adjustment factor if any ward class above Standard Private Room is used 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.24 |
| Emergency treatment abroad | Covered outside Asia p.64 |
| Full cover on core benefits | yes p.74 |
| Annual limit | 10,000,000 p.71 |
| Lifetime limit | 40,000,000 p.71 |
| Deductible options | 0, 20000, 50000, 80000 p.71 |
| How the deductible applies | Per policy year; can be reduced at ages 50, 55, 60, 65, 70, 75, 80, 85 p.35 |
| Coinsurance | none |
| Pre-admission outpatient | 1 visit more than 30 days before admission, maximum 1 visit per day within 30 days before admission, full cover per visit p.71 |
| Post-discharge outpatient | Maximum 1 visit per day within 90 days after discharge, full cover per visit p.71 |
| General outpatient | none |
| Psychiatric treatment | 40,000 p.71 |
| Diagnostic imaging coinsurance | none p.71 |
| Non-surgical cancer treatment | full cover p.71 |
| Kidney dialysis | Full cover for haemodialysis or peritoneal dialysis for chronic and irreversible kidney failure p.71 |
| Day case procedures | Covered as in-patient, full cover for various benefits p.26 |
| Home nursing | Full cover, maximum 30 days per Policy Year, within 90 days after discharge from hospital following surgery or ICU admission p.71 |
| Hospice care | 100,000 per Policy Year p.71 |
| Chinese medicine | 1,000 per visit, maximum 20 visits per Policy Year, within 90 days after discharge or Day Case Procedure p.71 |
| Physiotherapy | Full cover during confinement and for follow-up outpatient visits within 90 days after discharge or Day Case Procedure p.26 |
| Congenital conditions | Covered from age 8 p.32 |
| Pregnancy complications | Full cover for Covered Pregnancy Complications, with a 300-day waiting period from Policy Effective Date p.51 |
| Emergency dental | Full cover for emergency treatment due to accidental injury to natural teeth within 90 days from the accident p.53 |
| Hospital cash | 1,200 per day, up to 90 days per Policy Year, for confinement in General Ward of a private Hospital in Hong Kong p.53 |
| Companion bed | Full cover for an extra bed for immediate family members accompanying the Insured Person during confinement p.45 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | traditional Chinese medicine (herbal, bone-setting, acupuncture, acupressure, tui na) except post-confinement benefit; other alternative treatments (hypnotism, qigong, massage, 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$7,893 to HK$8,840.
| 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.