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Well Link Life Insurance Company Limited — same-insurer plan comparison

Well Link Life Insurance Company Limited · 4 plan series (4 variants, HKD/USD merged, sorted from basic to comprehensive)

Per-plan benefit prose falls back to Traditional Chinese where the source PDF was not translated.

4/4

Well Protect Voluntary Health Insurance Scheme (Standard)

立安心自願醫保標準計劃

Ver. Oct 30, 2020

Score59/100

StandardCat 1Ward: N/ARegion: Worldwide

VHIS Cert. No.: S00040-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$420,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Well Protect Voluntary Health Insurance Scheme (Flexi) - Ward

立安心自願醫保靈活計劃 - 普通房

Ver. Oct 30, 2020

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00042-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: —

Well Protect Voluntary Health Insurance Scheme (Flexi) - Semi-Private

立安心自願醫保靈活計劃 - 半私家房

Ver. Oct 30, 2020

Score77/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00042-02-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: —

Well Protect Voluntary Health Insurance Scheme (Flexi) - Standard Private

立安心自願醫保靈活計劃 - 標準私家房

Ver. Oct 30, 2020

Score90/100

FlexiCat 1Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00042-03-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: —

計劃名稱

Well Protect Voluntary Health Insurance Scheme (Standard)

立安心自願醫保標準計劃

Cat 1

Ver. Oct 30, 2020

VHIS Cert. No.

S00040-01-000-02Benefits PDFPremiums PDF

Coverage Score

59/100

Plan Type

Standard

Coverage region

Worldwide

Ward class

N/A (capped)

Lifetime benefit limit

—

Annual benefit limit

HK$420,000

Per-illness benefit limit

—

SMM Supplemental Major Medical

—

Deductible Options

—

Basic Benefits Basic

(a) Room and board

$750 per day, maximum 180 days per Policy Year

(b) Miscellaneous charges

$14,000 per Policy Year

$750 per day, maximum 180 days per Policy Year

(d) Specialist's fee

$4,300 per Policy Year

(e) Intensive care

$3,500 per day, maximum 25 days per Policy Year

(f) Surgeon's fee — Minor

$5,000

(f) Surgeon's fee — Intermediate

$12,500

(f) Surgeon's fee — Major

$25,000

(f) Surgeon's fee — Complex

$50,000

(g) Anaesthetist's fee

35% of Surgeon's fee payable

(h) Operating theatre charges

35% of Surgeon's fee payable

(i) Prescribed Diagnostic Imaging Tests

$20,000 per Policy Year. Subject to 30% Coinsurance.

(j) Prescribed Non-surgical Cancer Treatments

$80,000 per Policy Year

(k) Pre- and post-Confinement / Day Case Procedure outpatient care

$580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure

(l) Psychiatric treatments

$30,000 per Policy Year

Extra Benefits Extra

Emergency outpatient treatment for Accident

—

Daily post-surgery home nursing benefit

—

Outpatient kidney dialysis

—

Post-Confinement / Day Case Procedure auxiliary therapy

—

Cash Benefits Cash

Day surgery cash benefit

—

Daily hospital cash supplement

—

Event Benefits Event

Compassionate death benefit

$8,800

Medical accident and incident extension benefit

—

計劃 1 / 4

立安心自願醫保標準計劃

Well Protect Voluntary Health Insurance Scheme (Standard)

標準Cat 1Ver. Oct 30, 2020保障評分 59/100

VHIS 認可編號: S00040-01-000-02
計劃類別: 標準
保障地域範圍: 全球 Worldwide
病房級別: 不適用（受賠償上限規限）
每年賠償限額: HK$420,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $750 per day, maximum 180 days per Policy Year
(b) 雜項開支: $14,000 per Policy Year
(c) 主診醫生巡房費: $750 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $4,300 per Policy Year
(e) 深切治療: $3,500 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $5,000
(f) 外科醫生費 — 中型: $12,500
(f) 外科醫生費 — 大型: $25,000
(f) 外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

意外急症門診治療費用賠償: —
家中看護: —
門診洗腎: —
出院後 / 日間手術後的額外門診輔助治療: —

現金保障 Cash

日間手術現金惠益: —
額外現金補貼保障: —

事件保障 Event

恩恤身故賠償: $8,800
醫療意外事故保障: —

計劃 2 / 4

立安心自願醫保靈活計劃 - 普通房

Well Protect Voluntary Health Insurance Scheme (Flexi) - Ward

靈活Cat 1Ver. Oct 30, 2020保障評分 65/100

VHIS 認可編號: F00042-01-000-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: —
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: $14,000 per Policy Year
(c) 主診醫生巡房費: $800 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $4,300 per Policy Year
(e) 深切治療: $3,500 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $5,000
(f) 外科醫生費 — 中型: $12,500
(f) 外科醫生費 — 大型: $25,000
(f) 外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $580, per visit, $4,500 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

意外急症門診治療費用賠償: $7,000 per Policy Year
家中看護: $550 per visit1 per day, within the post-discharge windowMaximum 30 visits per Policy Year
門診洗腎: $50,000 per Policy Year
出院後 / 日間手術後的額外門診輔助治療: Under basic benefit (k), within 90 days after discharge from Hospital or completion of Day Case Procedure

現金保障 Cash

日間手術現金惠益: $500
額外現金補貼保障: $600

事件保障 Event

恩恤身故賠償: $15,000 per policy
醫療意外事故保障: $100,000 per policy

計劃 3 / 4

立安心自願醫保靈活計劃 - 半私家房

Well Protect Voluntary Health Insurance Scheme (Flexi) - Semi-Private

靈活Cat 1Ver. Oct 30, 2020保障評分 77/100

VHIS 認可編號: F00042-02-000-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: —
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $2,200 per day, maximum 180 days per Policy Year
(b) 雜項開支: $20,000 per Policy Year
(c) 主診醫生巡房費: $1,600 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $6,000 per Policy Year
(e) 深切治療: $6,000 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $10,000
(f) 外科醫生費 — 中型: $20,000
(f) 外科醫生費 — 大型: $40,000
(f) 外科醫生費 — 複雜: $80,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $30,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $120,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $800, per visit, $6,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $40,000 per Policy Year

額外保障 Extra

意外急症門診治療費用賠償: $11,000 per Policy Year
家中看護: $800 per visit1 per day, within the post-discharge windowMaximum 30 visits per Policy Year
門診洗腎: $100,000 per Policy Year
出院後 / 日間手術後的額外門診輔助治療: Under basic benefit (k), within 90 days after discharge from Hospital or completion of Day Case Procedure

現金保障 Cash

日間手術現金惠益: $700
額外現金補貼保障: $800

事件保障 Event

恩恤身故賠償: $20,000 per policy
醫療意外事故保障: $200,000 per policy

計劃 4 / 4

立安心自願醫保靈活計劃 - 標準私家房

Well Protect Voluntary Health Insurance Scheme (Flexi) - Standard Private

靈活Cat 1Ver. Oct 30, 2020保障評分 90/100

VHIS 認可編號: F00042-03-000-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 私家病房 Private
每年賠償限額: —
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $4,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: $30,000 per Policy Year
(c) 主診醫生巡房費: $4,000 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $12,000 per Policy Year
(e) 深切治療: $10,000 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $15,000
(f) 外科醫生費 — 中型: $30,000
(f) 外科醫生費 — 大型: $60,000
(f) 外科醫生費 — 複雜: $120,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $40,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $150,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $1,000, per visit, $8,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $50,000 per Policy Year

額外保障 Extra

意外急症門診治療費用賠償: $16,000 per Policy Year
家中看護: $1,600 per visit1 per day, within the post-discharge windowMaximum 30 visits per Policy Year
門診洗腎: $150,000 per Policy Year
出院後 / 日間手術後的額外門診輔助治療: Under basic benefit (k), within 90 days after discharge from Hospital or completion of Day Case Procedure

現金保障 Cash

日間手術現金惠益: $1,200
額外現金補貼保障: $1,300

事件保障 Event

恩恤身故賠償: $30,000 per policy
醫療意外事故保障: $400,000 per policy