Sun Life WeHealth Preferred is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00066-02-000-01. It entitles the insured to a ward room and covers treatment greater_china.
| Age | Annual premium |
|---|---|
| 30 | HK$4,169 |
| 45 | HK$7,008 |
| 60 | HK$15,546 |
| 75 | HK$35,610 |
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.16 |
|---|---|
| Pre-existing conditions unknown at application | No coverage for the first 30 days of the first Policy Year; full coverage from the 31st day of the first Policy Year onwards. p.29 |
| Waiting period | 30 days for pre-existing conditions unknown at application p.29 |
| Cancellation and refund | Full refund within 21-day cooling-off period, provided no benefit payment has been made. p.4 |
| Switching from another plan | Allowed to switch to another plan with upgraded benefits, subject to re-underwriting for the upgraded benefits. p.18 |
| Room class | General Ward p.59 |
| If a higher room is used | If confined in Semi-private Room, 50% of benefits payable; if confined in Standard Private Room, 25% of benefits payable; if confined in any ward class above Standard Private Room, 0% of benefits payable. p.53 |
| Geographical cover | Greater China (Hong Kong, Macau, mainland China and Taiwan) for non-emergency treatment; Standard Plan benefits for non-emergency treatment outside Greater China. p.52 |
| Psychiatric treatment area | Hong Kong only p.52 |
| Emergency treatment abroad | Covered in full outside Greater China p.52 |
| Full cover on core benefits | yes p.59 |
| Annual limit | 5,000,000 p.59 |
| Lifetime limit | 20,000,000 p.59 |
| Deductible options | 0, 20000, 50000, 80000 p.63 |
| How the deductible applies | Per policy year, with options to reduce at ages 50, 55, 60, 65, 70, 75, 80, 85. p.35 |
| Coinsurance | none p.34 |
| Pre-admission outpatient | Full cover for 1 visit more than 30 days before confinement, or maximum 1 visit per day within 30 days before confinement. p.60 |
| Post-discharge outpatient | Full cover for maximum 1 visit per day within 90 days after discharge. p.60 |
| General outpatient | none |
| Psychiatric treatment | 40,000 p.60 |
| Diagnostic imaging coinsurance | none p.60 |
| Non-surgical cancer treatment | full cover p.60 |
| Kidney dialysis | Full cover p.61 |
| Day case procedures | Covered as in-patient benefits p.25 |
| Home nursing | Full cover, maximum 30 days per policy year, within 90 days after discharge from hospital following surgery or ICU admission. p.61 |
| Hospice care | none p.36 |
| Chinese medicine | none p.32 |
| Physiotherapy | Covered during confinement, as follow-up outpatient care within 90 days after discharge, and for cardiac rehabilitation up to HKD 10,000 per policy year. p.26 |
| Congenital conditions | Covered from age 8 p.33 |
| Pregnancy complications | none p.32 |
| Emergency dental | Covered for emergency treatment and surgery during confinement arising from an accident. p.32 |
| Hospital cash | none |
| Companion bed | Full cover for an extra bed for immediate family members. p.45 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances; Psychiatric treatments covered for confinement in Hong Kong only. 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$6,257 to HK$7,008.
| 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.