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Sun Life — same-insurer plan comparison
Sun Life Hong Kong Limited · 5 plan series · 11 variants
Sun Life Hong Kong Limited offers 11 Voluntary Health Insurance Scheme (VHIS) plans in Hong Kong (1 Standard, 10 Flexi), covering Worldwide, Asia incl. AU/NZ and Greater China, across Ward, Semi-Private Room and N/A (capped) ward classes. Premiums, coverage items, deductible tiers and annual limits are compared side-by-side below.
Data version: Apr 1, 2026
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Highlights
VHIS cert no.
S00018-01-000-02Benefits PDFPremiums PDF
F00026-01-000-03Benefits PDFPremiums PDF
F00026-01-001-03Benefits PDFPremiums PDF
F00066-01-000-01Benefits PDFPremiums PDF
F00066-02-000-01Benefits PDFPremiums PDF
F00066-03-000-01Benefits PDFPremiums PDF
F00066-04-000-01Benefits PDFPremiums PDF
F00063-01-000-01Benefits PDFPremiums PDF
F00063-02-000-01Benefits PDFPremiums PDF
F00063-03-000-01Benefits PDFPremiums PDF
F00063-04-000-01Benefits PDFPremiums PDF
Plan type
Standard
Flexi
Flexi
Flexi
Flexi
Coverage region
Worldwide
Worldwide
Worldwide
Greater China
Asia incl. AU/NZ
Ward
N/A (capped)
Ward
Ward
Ward
Semi-Private Room
Lifetime limit
—
—
—
Annual limit
Per illness
—
—
—
—
—
SMM top-up
—
—
—
—
No-Claim Bonus
—
15% (consecutive 3 yrs)
15% (consecutive 3 yrs)
—
—
Deductible
—
—
—
Deductible reduction at specified ages
Not applicable
Not applicable
Not applicable
Zero deductible selected
Zero deductible selected
Version
Apr 1, 2026
Sep 1, 2025
Sep 1, 2025
Apr 1, 2026
Apr 1, 2026
Basic Benefits Basic
(a) Room and board
HK$750 per day, maximum 180 days per Policy Year
General Ward: HK$1,000 per day. i) Semi-Private Room and/or above: HK$1,100 per day. ii) Maximum 180 days per Policy Year
General Ward: no daily limit. i) Semi-Private Room and/or above: HK$1,100 per day. ii) Maximum 180 days per Policy Year
Full reimbursementR&C
Full reimbursementR&C
(b) Miscellaneous charges
HK$14,000 per Policy Year
HK$15,000 per Policy Year
HK$15,000 per Policy Year
Full reimbursementR&C
Full reimbursementR&C
(c) Attending doctor's visit fee
HK$750 per day, maximum 180 days per Policy Year
HK$750 per day, maximum 180 days per Policy Year
HK$750 per day, maximum 180 days per Policy Year
Full reimbursementR&C
Full reimbursementR&C
(d) Specialist's fee
HK$4,300 per Policy Year
HK$4,300 per Policy Year
HK$4,300 per Policy Year
Full reimbursementR&C
Full reimbursementR&C
(e) Intensive care
HK$3,500 per day, maximum 25 days per Policy Year
HK$4,500 per day, maximum 30 days per Policy Year
HK$4,500 per day, maximum 30 days per Policy Year
Full reimbursementR&C
Full reimbursementR&C
(f) Surgeon's fee
—
—
—
Full reimbursementR&C
Full reimbursementR&C
Surgeon's fee — Minor
HK$5,000
HK$5,000
HK$5,000
—
—
Surgeon's fee — Intermediate
HK$12,500
HK$12,500
HK$12,500
—
—
Surgeon's fee — Major
HK$25,000
HK$25,000
HK$25,000
—
—
Surgeon's fee — Complex
HK$50,000
HK$50,000
HK$50,000
—
—
(g) Anaesthetist's fee
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
Full reimbursementR&C
Full reimbursementR&C
(h) Operating theatre charges
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
Full reimbursementR&C
Full reimbursementR&C
(i) Prescribed Diagnostic Imaging Tests
HK$20,000 per Policy YearSubject to 30% Coinsurance.
HK$20,000 per Policy YearSubject to 30% Coinsurance.
HK$20,000 per Policy YearSubject to 30% Coinsurance.
Full reimbursementR&C
Full reimbursementR&C
(j) Prescribed Non-surgical Cancer Treatments
HK$80,000 per Policy Year
HK$80,000 per Policy Year
HK$80,000 per Policy Year
Full reimbursementR&C
Full reimbursementR&C
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
HK$580 per visit, up to HK$3,000 per Policy YearUp to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
HK$580 per visit, up to HK$3,000 per Policy YearUp to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
HK$580 per visit, up to HK$3,000 per Policy YearUp to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
Full reimbursement1 visit(s) more than 30 days before Confinement/Day Case ProcedureUp to 1 visit(s) per day within 30 days before Confinement/Day Case ProcedureUp to 1 visit(s) per day within 90 days after discharge from Hospital or completion of Day Case ProcedureR&C
Full reimbursement1 visit(s) more than 30 days before Confinement/Day Case ProcedureUp to 1 visit(s) per day within 30 days before Confinement/Day Case ProcedureUp to 1 visit(s) per day within 90 days after discharge from Hospital or completion of Day Case ProcedureR&C
(l) Psychiatric treatments
HK$30,000 per Policy Year
HK$30,000 per Policy Year
HK$30,000 per Policy Year
HK$40,000 per Policy Year
HK$40,000 per Policy Year
Extra Benefits Extra
Accident-related
Emergency dental benefit (Accident only)
—
—
—
—
Full reimbursementR&C
Emergency outpatient treatment for Accident
—
HK$5,000 per Policy Year within 24 hours of the Accident
HK$5,000 per Policy Year within 24 hours of the Accident
Inpatient-related
Rehabilitation benefit
—
HK$10,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
HK$10,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
HK$10,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
HK$80,000 per Policy Year (within the post-discharge window)
Medical implants / prosthetic devices
—
—
—
Organ transplant donor benefit
—
—
—
—
HK$500,000 per major organ transplant
Complications of pregnancy
—
—
—
—
Full reimbursementR&C
Hospital companion bed fee reimbursement
—
HK$400 per day, maximum 30 days per Policy Year
HK$400 per day, maximum 30 days per Policy Year
Full reimbursementR&C
Full reimbursementR&C
Hospice and palliative care benefit
—
—
—
—
HK$100,000 per Policy Year
Private nursing fee (during Confinement)
—
—
—
—
Home nursing
—
HK$800 per dayAged below 60: maximum 15 days per Policy YearAged 60 or above: maximum 30 days per Policy Year. (Within 90 days after discharge from Hospital or completion of Day Case Procedure)
HK$800 per dayAged below 60: maximum 15 days per Policy YearAged 60 or above: maximum 30 days per Policy Year. (Within 90 days after discharge from Hospital or completion of Day Case Procedure)
Outpatient-related
Cardiac rehabilitation benefit
—
—
—
—
HK$10,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
Outpatient kidney dialysis
—
HK$60,000 per Policy Year (effective 90 days after the Policy Issuance Date or Policy Effective Date, whichever is earlier)
HK$60,000 per Policy Year (effective 90 days after the Policy Issuance Date or Policy Effective Date, whichever is earlier)
Full reimbursementR&C
Full reimbursementR&C
Chinese Medicine Practitioner outpatient care
—
—
—
—
HK$1,000 per visit
Post-Confinement / Day Case Procedure auxiliary therapy
—
HK$400 per visit, maximum 15 visits per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
HK$400 per visit, maximum 15 visits per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
—
—
Cancer-related
Reconstructive surgery for specified conditions
—
—
—
—
HK$160,000 per Accident / per mastectomy
Cash Benefits Cash
Day surgery cash benefit
HK$1,000 per surgery
HK$1,000 per Day Case Procedure
HK$1,000 per Day Case Procedure
—
HK$1,000 per surgery
Second-claim cash allowance
—
i) HK$500 per day of Confinement, maximum 90 days per Policy Yearii) HK$500 per Day Case Procedure
i) HK$500 per day of Confinement, maximum 90 days per Policy Yearii) HK$500 per Day Case Procedure
—
—
Daily hospital cash supplement
—
—
—
—
HK$1,200 per day, maximum 90 days per Policy Year
Event Benefits Event
Medical accident and incident extension benefit
Death benefit: HK$80,000Surgical benefit: HK$80,000 per Policy Year
i) Death benefit: HK$80,000ii) Surgical benefit: HK$80,000 per Policy Year
i) Death benefit: HK$80,000ii) Surgical benefit: HK$80,000 per Policy Year
HK$80,000
HK$80,000
Compassionate death benefit
HK$10,000
HK$10,000
HK$10,000
HK$50,000
HK$100,000
VHIS cert no.
S00018-01-000-02Benefits PDFPremiums PDF
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
—
No-Claim Bonus
—
Deductible Options
—
Deductible reduction at specified ages
Not applicable
Basic Benefits Basic
(a) Room and board
HK$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
HK$14,000 per Policy Year
(c) Attending doctor's visit fee
HK$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
HK$4,300 per Policy Year
(e) Intensive care
HK$3,500 per day, maximum 25 days per Policy Year
(f) Surgeon's fee
—
Surgeon's fee — Minor
HK$5,000
Surgeon's fee — Intermediate
HK$12,500
Surgeon's fee — Major
HK$25,000
Surgeon's fee — Complex
HK$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
HK$20,000 per Policy YearSubject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
HK$80,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
HK$580 per visit, up to HK$3,000 per Policy YearUp to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
HK$30,000 per Policy Year
Extra Benefits Extra
Accident-related
Emergency dental benefit (Accident only)
—
Emergency outpatient treatment for Accident
—
Inpatient-related
Rehabilitation benefit
—
Medical implants / prosthetic devices
—
Organ transplant donor benefit
—
Complications of pregnancy
—
Hospital companion bed fee reimbursement
—
Hospice and palliative care benefit
—
Private nursing fee (during Confinement)
—
Home nursing
—
Outpatient-related
Cardiac rehabilitation benefit
—
Outpatient kidney dialysis
—
Chinese Medicine Practitioner outpatient care
—
Post-Confinement / Day Case Procedure auxiliary therapy
—
Cancer-related
Reconstructive surgery for specified conditions
—
Cash Benefits Cash
Day surgery cash benefit
HK$1,000 per surgery
Second-claim cash allowanceAfter other pays
—
Daily hospital cash supplement
—
Event Benefits Event
Medical accident and incident extension benefit
Death benefit: HK$80,000Surgical benefit: HK$80,000 per Policy Year
Compassionate death benefit
HK$10,000
Plan 1 / 5
永明港健康醫療保
WeHealth
Standard PlanVer. Apr 1, 2026
- VHIS cert no.
- S00018-01-000-02
- Plan Type
- Standard
- Coverage region
- Worldwide
- Ward class
- N/A (capped)
- Annual benefit limit
- HK$420,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- HK$750 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$14,000 per Policy Year
- (c) 主診醫生巡房費
- HK$750 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$4,300 per Policy Year
- (e) 深切治療
- HK$3,500 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HK$5,000
- 外科醫生費 — 中型
- HK$12,500
- 外科醫生費 — 大型
- HK$25,000
- 外科醫生費 — 複雜
- HK$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
- HK$20,000 per Policy YearSubject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- HK$80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$580 per visit, up to HK$3,000 per Policy Year Up to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- HK$30,000 per Policy Year
Extra Benefits Extra
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 指定重建手術保障
- —
- 心臟復康保障
- —
- 復康保障
- —
- 門診洗腎
- —
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 住院陪床
- —
- 善終服務
- —
- 私家看護費 (住院期間)
- —
- 家中看護
- —
- 出院後 / 日間手術後的中醫門診治療
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 日間手術現金惠益
- $1,000
- 第二索償現金津貼
- —
- 額外現金補貼保障
- —
Event Benefits Event
- 醫療意外事故保障
- Death benefit: HK$80,000Surgical benefit: HK$80,000 per Policy Year
- 恩恤身故賠償
- HK$10,000
Plan 2 / 5
永明港稱心醫療保 - 計劃一
WeHealth Plus - Scheme 1
Itemised LimitsVer. Sep 1, 2025
- VHIS cert no.
- F00026-01-000-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$500,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- General Ward: HK$1,000 per day. i) Semi-Private Room and/or above: HK$1,100 per day. ii) Maximum 180 days per Policy Year
- (b) 雜項開支
- HK$15,000 per Policy Year
- (c) 主診醫生巡房費
- HK$750 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$4,300 per Policy Year
- (e) 深切治療
- HK$4,500 per day, maximum 30 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HK$5,000
- 外科醫生費 — 中型
- HK$12,500
- 外科醫生費 — 大型
- HK$25,000
- 外科醫生費 — 複雜
- HK$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
- HK$20,000 per Policy YearSubject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- HK$80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$580 per visit, up to HK$3,000 per Policy Year Up to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- HK$30,000 per Policy Year
Extra Benefits Extra
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- HK$5,000 per Policy Year within 24 hours of the Accident
- 指定重建手術保障
- —
- 心臟復康保障
- —
- 復康保障
- HK$10,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
- 門診洗腎
- HK$60,000 per Policy Year (effective 90 days after the Policy Issuance Date or Policy Effective Date, whichever is earlier)
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 住院陪床
- HK$400 per day, maximum 30 days per Policy Year
- 善終服務
- —
- 私家看護費 (住院期間)
- —
- 家中看護
- HK$800 per dayAged below 60: maximum 15 days per Policy YearAged 60 or above: maximum 30 days per Policy Year. (Within 90 days after discharge from Hospital or completion of Day Case Procedure)
- 出院後 / 日間手術後的中醫門診治療
- —
- 出院後 / 日間手術後的額外門診輔助治療
- HK$400 per visit, maximum 15 visits per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
Cash Benefits Cash
- 日間手術現金惠益
- $1,000
- 第二索償現金津貼
- $500
- 額外現金補貼保障
- —
Event Benefits Event
- 醫療意外事故保障
- i) Death benefit: HK$80,000ii) Surgical benefit: HK$80,000 per Policy Year
- 恩恤身故賠償
- HK$10,000
Plan 3 / 5
永明港稱心醫療保 - 計劃二
WeHealth Plus - Scheme 2
Itemised LimitsVer. Sep 1, 2025
- VHIS cert no.
- F00026-01-001-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$800,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$300,000／per policy year, 20% coinsurance
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- General Ward: no daily limit. i) Semi-Private Room and/or above: HK$1,100 per day. ii) Maximum 180 days per Policy Year
- (b) 雜項開支
- HK$15,000 per Policy Year
- (c) 主診醫生巡房費
- HK$750 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$4,300 per Policy Year
- (e) 深切治療
- HK$4,500 per day, maximum 30 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HK$5,000
- 外科醫生費 — 中型
- HK$12,500
- 外科醫生費 — 大型
- HK$25,000
- 外科醫生費 — 複雜
- HK$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
- HK$20,000 per Policy YearSubject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- HK$80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$580 per visit, up to HK$3,000 per Policy Year Up to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- HK$30,000 per Policy Year
Extra Benefits Extra
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- HK$5,000 per Policy Year within 24 hours of the Accident
- 指定重建手術保障
- —
- 心臟復康保障
- —
- 復康保障
- HK$10,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
- 門診洗腎
- HK$60,000 per Policy Year (effective 90 days after the Policy Issuance Date or Policy Effective Date, whichever is earlier)
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 住院陪床
- HK$400 per day, maximum 30 days per Policy Year
- 善終服務
- —
- 私家看護費 (住院期間)
- —
- 家中看護
- HK$800 per dayAged below 60: maximum 15 days per Policy YearAged 60 or above: maximum 30 days per Policy Year. (Within 90 days after discharge from Hospital or completion of Day Case Procedure)
- 出院後 / 日間手術後的中醫門診治療
- —
- 出院後 / 日間手術後的額外門診輔助治療
- HK$400 per visit, maximum 15 visits per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
Cash Benefits Cash
- 日間手術現金惠益
- $1,000
- 第二索償現金津貼
- $500
- 額外現金補貼保障
- —
Event Benefits Event
- 醫療意外事故保障
- i) Death benefit: HK$80,000ii) Surgical benefit: HK$80,000 per Policy Year
- 恩恤身故賠償
- HK$10,000
Plan 4 / 5
永明港無憂醫療保
WeHealth Preferred
High-limitVer. Apr 1, 2026
- VHIS cert no.
- F00066-01-000-01F00066-02-000-01F00066-03-000-01F00066-04-000-01
- Plan Type
- Flexi
- Coverage region
- Greater China
- Ward class
- Ward
- Annual benefit limit
- HK$5,000,000
- Lifetime benefit limit
- HK$20,000,000
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $20K / $50K / $80K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 外科醫生費 — 複雜
- —
- (g) 麻醉科醫生費
- Full reimbursement
- (h) 手術室費
- Full reimbursement
- (i) 訂明診斷成像檢測
- Full reimbursement
- (j) 訂明非手術癌症治療
- Full reimbursement
- (k) 入院前或出院後／日間手術前後的門診護理
- Full reimbursement 1 visit(s) more than 30 days before Confinement/Day Case Procedure Up to 1 visit(s) per day within 30 days before Confinement/Day Case Procedure Up to 1 visit(s) per day within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $40,000
Extra Benefits Extra
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- Full reimbursementof Eligible Expenses within 24 hours of the Accident
- 指定重建手術保障
- —
- 心臟復康保障
- —
- 復康保障
- $10,000
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Full reimbursementother items: HK$100,000 per Policy Year
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 住院陪床
- Full reimbursement
- 善終服務
- —
- 私家看護費 (住院期間)
- —
- 家中看護
- Full reimbursementMaximum 30 days per Policy Year
- 出院後 / 日間手術後的中醫門診治療
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 日間手術現金惠益
- —
- 第二索償現金津貼
- —
- 額外現金補貼保障
- —
Event Benefits Event
- 醫療意外事故保障
- $80,000
- 恩恤身故賠償
- $50,000
Plan 5 / 5
永明港卓越醫療保
WeHealth Prestige
High-limitVer. Apr 1, 2026
- VHIS cert no.
- F00063-01-000-01F00063-02-000-01F00063-03-000-01F00063-04-000-01
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$10,000,000
- Lifetime benefit limit
- HK$40,000,000
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $20K / $50K / $80K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 外科醫生費 — 複雜
- —
- (g) 麻醉科醫生費
- Full reimbursement
- (h) 手術室費
- Full reimbursement
- (i) 訂明診斷成像檢測
- Full reimbursement
- (j) 訂明非手術癌症治療
- Full reimbursement
- (k) 入院前或出院後／日間手術前後的門診護理
- Full reimbursement 1 visit(s) more than 30 days before Confinement/Day Case Procedure Up to 1 visit(s) per day within 30 days before Confinement/Day Case Procedure Up to 1 visit(s) per day within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $40,000
Extra Benefits Extra
- 意外牙科治療
- Full reimbursement
- 意外急症門診治療費用賠償
- Full reimbursementof Eligible Expenses within 24 hours of the Accident
- 指定重建手術保障
- $160,000
- 心臟復康保障
- $10,000
- 復康保障
- $80,000
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Full reimbursementother items: HK$100,000 per Policy Year
- 器官移植的捐贈者保障
- $500,000
- 懷孕併發症
- Full reimbursement
- 住院陪床
- Full reimbursement
- 善終服務
- $100,000
- 私家看護費 (住院期間)
- Full reimbursementMaximum 30 days per Policy Year
- 家中看護
- Full reimbursementMaximum 30 days per Policy Year
- 出院後 / 日間手術後的中醫門診治療
- HK$1,000 per visit
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 日間手術現金惠益
- $1,000
- 第二索償現金津貼
- —
- 額外現金補貼保障
- $1,200
Event Benefits Event
- 醫療意外事故保障
- $80,000
- 恩恤身故賠償
- $100,000