Sun Life WeHealth Preferred is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00066-01-000-01. It entitles the insured to a ward room and covers treatment greater_china.
| Age | Annual premium |
|---|---|
| 30 | HK$8,958 |
| 45 | HK$14,110 |
| 60 | HK$29,799 |
| 75 | HK$66,020 |
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 | greater_china |
| Annual limit | HK$5,000,000 |
| Lifetime limit | HK$20,000,000 |
| 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 home nursing, rehabilitation, 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 | lifetime p.17 |
|---|---|
| Pre-existing conditions unknown at application | No coverage for the first 30 days of the first Policy Year; full coverage from 31st day of the first Policy Year onwards p.29 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit payment. After cooling-off, cancellation requires 30 days notice, no refund if benefits paid in policy year. 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 at company's discretion. p.19 |
| Room class | General Ward p.59 |
| If a higher room is used | If General Ward is entitled: Semi-private Room 50% adjustment; Standard Private Room 25% adjustment; Any ward class above Standard Private Room 0% adjustment. If higher than Standard Private Room, benefits payable according to Standard Plan Terms and Benefits. p.53 |
| Geographical cover | Greater China (Hong Kong, Macau, mainland China and Taiwan) for non-emergency treatment; outside Greater China, benefits are limited to Standard Plan Terms and Benefits. p.59 |
| Psychiatric treatment area | Hong Kong only p.52 |
| Emergency treatment abroad | Covered in accordance with these Terms and Benefits p.52 |
| Full cover on core benefits | yes p.60 |
| Annual limit | 5,000,000 HKD p.59 |
| Lifetime limit | 20,000,000 HKD p.59 |
| Deductible options | 0, 20000, 50000, 80000 p.63 |
| How the deductible applies | Per Policy Year. Policy Holder can reduce deductible once at ages 50, 55, 60, 65, 70, 75, 80, 85, including to a zero option. p.35 |
| Coinsurance | none |
| Pre-admission outpatient | 1 visit more than 30 days before confinement/day case, or maximum 1 visit per day within 30 days before confinement/day case. Full cover per visit. p.59 |
| Post-discharge outpatient | Maximum 1 visit per day within 90 days after discharge or completion of day case procedure. Full cover per visit. p.60 |
| General outpatient | none |
| Psychiatric treatment | 40,000 HKD per Policy Year p.60 |
| Diagnostic imaging coinsurance | none p.59 |
| Non-surgical cancer treatment | full cover p.59 |
| Kidney dialysis | Full cover p.60 |
| Day case procedures | Covered as in-patient for various benefits, full cover for most items. p.35 |
| Home nursing | Full cover, maximum 30 days per Policy Year, maximum 1 Qualified Nurse per time slot per day (within 90 days after discharge from Hospital following surgery or ICU admission). p.60 |
| Hospice care | none p.36 |
| Chinese medicine | none p.32 |
| Physiotherapy | Covered during confinement and as follow-up outpatient care post-discharge/day case. Chest physiotherapy covered up to 10,000 HKD per Policy Year under cardiac rehabilitation. p.60 |
| Congenital conditions | Covered if manifested or diagnosed after age 8. p.33 |
| Pregnancy complications | none p.32 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident. Follow-up dental treatment after discharge is not covered. p.32 |
| Hospital cash | none |
| Companion bed | Full cover for an extra bed for Immediate Family Members during Insured Person’s Confinement. p.45 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Traditional Chinese medicine treatment and other alternative treatments (hypnotism, qigong, massage therapy, aromatherapy, naturopathy, homeotherapy). p.32 |
At a constant age of 45, Sun Life has filed 1 schedule change on this plan since 2021, an average of +2.5% a year, taking the premium from HK$12,598 to HK$14,110.
| 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.