Sun Life WeHealth Preferred is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00066-04-000-01. It entitles the insured to a ward room and covers treatment greater_china.
| Age | Annual premium |
|---|---|
| 30 | HK$2,555 |
| 45 | HK$4,129 |
| 60 | HK$9,420 |
| 75 | HK$20,308 |
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 | 0% for first 30 days of first policy year, 100% from 31st day of first policy year onwards p.29 |
| Waiting period | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment has been made. No refund after cooling-off period if benefits paid. p.4 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits) or downgrade/reduction of benefits (no re-underwriting, discretion to accept/reject). p.18 |
| Room class | General Ward p.59 |
| If a higher room is used | If General Ward is entitled: Semi-private Room (50% adjustment factor), Standard Private Room (25% adjustment factor), Any ward class above Standard Private Room (0% adjustment factor) p.53 |
| Geographical cover | Greater China (Hong Kong, Macau, mainland China and Taiwan) for non-emergency treatment; Standard Plan benefits apply outside Greater China for non-emergency treatment p.52 |
| Psychiatric treatment area | Hong Kong only p.52 |
| Emergency treatment abroad | Covered outside Greater China p.52 |
| Full cover on core benefits | yes p.62 |
| Annual limit | HKD 5,000,000 p.59 |
| Lifetime limit | HKD 20,000,000 p.59 |
| Deductible options | 0, 20000, 50000, 80000 p.63 |
| How the deductible applies | Per policy year. Policyholder can reduce deductible once at ages 50, 55, 60, 65, 70, 75, 80, 85, including to HKD 0. p.56 |
| Coinsurance | none |
| Pre-admission outpatient | Full cover for 1 visit more than 30 days before, or maximum 1 visit per day within 30 days before, per confinement/day case procedure p.60 |
| Post-discharge outpatient | Full cover for maximum 1 visit per day within 90 days after discharge or completion of day case procedure p.60 |
| General outpatient | none |
| Psychiatric treatment | HKD 40,000 per Policy Year p.60 |
| Diagnostic imaging coinsurance | none p.60 |
| Non-surgical cancer treatment | full cover p.60 |
| Kidney dialysis | Full cover for haemodialysis or peritoneal dialysis for chronic and irreversible kidney failure p.61 |
| Day case procedures | Covered as per relevant benefit items, e.g., Room and board, Surgeon's fee, Imaging, Cancer treatment 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.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/day case, and as chest physiotherapy for cardiac rehabilitation p.26 |
| Congenital conditions | Excluded if manifested or diagnosed before 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 accompanying the Insured Person during confinement p.61 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.31 |
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$3,687 to HK$4,129.
| 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.