Sun Life WeHealth Prestige is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00063-04-000-01. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$3,548 |
| 45 | HK$5,541 |
| 60 | HK$12,189 |
| 75 | HK$27,462 |
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 first 30 days of first policy year, 100% from 31st day of first policy year onwards p.29 |
| Waiting period | 30 days for pre-existing conditions unknown at application p.29 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment. After cooling-off, 30 days prior written notice required, no refund if benefit paid. p.4 |
| Switching from another plan | Possible to switch to another plan; re-underwriting limited to upgraded benefits; no re-underwriting for downgraded benefits but company discretion applies. 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. If higher than Standard Private Room, benefits payable according to Standard Plan Terms and Benefits, no enhanced benefits. p.65 |
| Geographical cover | Asia for non-emergency treatment; Standard Plan benefits only for non-emergency treatment outside Asia p.64 |
| Psychiatric treatment area | Hong Kong only p.64 |
| Emergency treatment abroad | Covered worldwide 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 p.35 |
| Coinsurance | none p.71 |
| Pre-admission outpatient | 1 visit more than 30 days before, max 1 visit per day within 30 days before, full cover per visit p.71 |
| Post-discharge outpatient | Max 1 visit per day within 90 days after discharge, full cover per visit p.71 |
| 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 for outpatient kidney dialysis treatment p.72 |
| Day case procedures | Covered as in-patient, 1,000 cash benefit per surgical procedure p.25 |
| Home nursing | Full cover, max 30 days per policy year, max 1 Qualified Nurse per day (within 90 days after discharge from Hospital following surgery or admission to Intensive Care Unit) p.72 |
| Hospice care | 100,000 per Policy Year p.72 |
| Chinese medicine | 1,000 per visit, max 20 visits per policy year (within 90 days after discharge or completion of Day Case Procedure) p.72 |
| Physiotherapy | Covered during confinement, post-discharge outpatient, and under rehabilitation benefit up to 80,000 per policy year p.26 |
| Congenital conditions | Covered from age 8 p.32 |
| Pregnancy complications | Full cover, subject to 300-day waiting period from policy effective date p.51 |
| Emergency dental | Full cover for emergency treatment necessitated by injury from accident within 90 days 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.53 |
| Companion bed | Full cover for extra bed for family members p.72 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); purchase of durable medical equipment or appliances; 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$4,947 to HK$5,541.
| 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.