Sun Life WeHealth Prestige is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00063-03-000-01. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$4,336 |
| 45 | HK$6,779 |
| 60 | HK$14,508 |
| 75 | HK$30,905 |
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 | 30 days for pre-existing conditions unknown at application; 300 days for pregnancy complications p.29 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period p.4 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits is subject to re-underwriting limited to those benefits. Switching to a plan with downgraded/reduced benefits is at company's discretion without re-underwriting. p.18 |
| Room class | Semi-private Room p.71 |
| If a higher room is used | If Semi-private Room is entitled: 50% for Standard Private Room, 0% for 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.71 |
| Psychiatric treatment area | Hong Kong only p.74 |
| Emergency treatment abroad | Covered in accordance with these Terms and Benefits 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.75 |
| How the deductible applies | Per policy year. Can be reduced at ages 50, 55, 60, 65, 70, 75, 80, 85 upon request. p.68 |
| Coinsurance | none p.34 |
| Pre-admission outpatient | Full cover per visit: 1 visit more than 30 days before confinement/day case procedure; maximum 1 visit per day within 30 days before confinement/day case procedure p.71 |
| Post-discharge outpatient | Full cover per visit: maximum 1 visit per day within 90 days after discharge or completion of day case procedure p.72 |
| General outpatient | none |
| Psychiatric treatment | 40,000 p.72 |
| 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, full cover for room and board, miscellaneous charges, surgeon's fee, anaesthetist's fee, operating theatre charges, prescribed diagnostic imaging tests, prescribed non-surgical cancer treatments p.25 |
| Home nursing | Full cover, maximum 30 days per policy year, maximum 1 Qualified Nurse per day (within 90 days after discharge from hospital following surgery or ICU admission) p.72 |
| Hospice care | 100,000 per policy year p.72 |
| Chinese medicine | 1,000 per visit, maximum 20 visits per policy year (within 90 days after discharge from hospital or completion of day case procedure) p.72 |
| Physiotherapy | Full cover for physiotherapy during confinement and for follow-up outpatient visits within 90 days after discharge/day case procedure p.26 |
| Congenital conditions | Covered if manifested or diagnosed at age 8 or later p.33 |
| Pregnancy complications | Full cover, subject to 300-day waiting period p.73 |
| Emergency dental | Full cover, within 90 days from the accident p.73 |
| 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.73 |
| Companion bed | Full cover for an extra bed for immediate family members accompanying the Insured Person during confinement p.72 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; other forms of alternative treatment including hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy p.32 |
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$6,053 to HK$6,779.
| 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.