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Sun Life Hong Kong Limited — same-insurer plan comparison

Sun Life Hong Kong Limited · 5 plan series (11 variants, deductibles merged, sorted from basic to comprehensive)

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項目
WeHealth
WeHealth Plus - Scheme 1
WeHealth Plus - Scheme 2
WeHealth Preferred - HKD0 Deductible
WeHealth Prestige - HKD0 Deductible
Highlights
VHIS cert no.
S00018-01-000-02
F00026-01-000-03
F00026-01-001-03
F00066-01-000-01
F00066-02-000-01
F00066-03-000-01
F00066-04-000-01
F00063-01-000-01
F00063-02-000-01
F00063-03-000-01
F00063-04-000-01
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
—
—
—
—
Deductible
—
—
—
Version
Apr 1, 2026
Sep 1, 2025
Sep 1, 2025
Apr 1, 2026
Apr 1, 2026
Basic Benefits Basic
(a) Room and board
$750 per day, maximum 180 days per Policy Year
General Ward: $1,000 per day. i) Semi-Private Room and/or above: $1,100 per day. ii) Maximum 180 days per Policy Year
General Ward: no daily limit. i) Semi-Private Room and/or above: $1,100 per day. ii) Maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(b) Miscellaneous charges
$14,000 per Policy Year
$15,000 per Policy Year
$15,000 per Policy Year
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit Medical Devices)
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit Medical Devices)
(c) Attending doctor's visit fee
$750 per day, maximum 180 days per Policy Year
$750 per day, maximum 180 days per Policy Year
$750 per day, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(d) Specialist's fee
$4,300 per Policy Year
$4,300 per Policy Year
$4,300 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(e) Intensive care
$3,500 per day, maximum 25 days per Policy Year
$4,500 per day, maximum 30 days per Policy Year
$4,500 per day, maximum 30 days per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(f) Surgeon's fee
—
—
—
Full reimbursement of Eligible Expenses regardless of surgical category
Full reimbursement of Eligible Expenses regardless of surgical category
    Surgeon's fee — Minor
$5,000
$5,000
$5,000
—
—
    Surgeon's fee — Intermediate
$12,500
$12,500
$12,500
—
—
    Surgeon's fee — Major
$25,000
$25,000
$25,000
—
—
    Surgeon's fee — Complex
$50,000
$50,000
$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 reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(h) Operating theatre charges
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(i) Prescribed Diagnostic Imaging Tests
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(j) Prescribed Non-surgical Cancer Treatments
$80,000 per Policy Year
$80,000 per Policy Year
$80,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
$580 per visit, up to $3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
$580 per visit, up to $3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
$580 per visit, up to $3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
Full reimbursement of Eligible Expenses per visit Outpatient visits or Emergency consultations before each Confinement/Day Case Procedure:1 visit(s) more than 30 days before Confinement/Day Case ProcedureUp to 1 visit(s) per day within 30 days before Confinement/Day Case Procedure Outpatient visits after each Confinement/Day Case Procedure:Up to 1 visit(s) per day within 90 days after discharge from Hospital or completion of Day Case Procedure
Full reimbursement of Eligible Expenses per visit Outpatient visits or Emergency consultations before each Confinement/Day Case Procedure:1 visit(s) more than 30 days before Confinement/Day Case ProcedureUp to 1 visit(s) per day within 30 days before Confinement/Day Case Procedure Outpatient visits after each 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) Psychiatric treatments
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$40,000 per Policy Year
$40,000 per Policy Year
Extra Benefits Extra
Accident-related
Emergency dental benefit (Accident only)
—
—
—
—
Full reimbursement of Eligible Expenses (within the days after the Accident as specified)
Emergency outpatient treatment for Accident
—
$5,000 per Policy Year within 24 hours of the Accident
$5,000 per Policy Year within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Inpatient-related
Cancer / cardiac / stroke rehabilitation benefit
—
$10,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
$10,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
$10,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
$80,000 per Policy Year (within the post-discharge window)
Medical implants / prosthetic devices
—
—
—
Specified items: Full reimbursement of Eligible Expenses; other items: $100,000 per Policy Year
Specified items: Full reimbursement of Eligible Expenses; other items: $100,000 per Policy Year
Organ transplant donor benefit
—
—
—
—
$500,000 per major organ transplant
Complications of pregnancy
—
—
—
—
Full reimbursement of Eligible Expenses
Hospital companion bed fee reimbursement
—
$400 per day, maximum 30 days per Policy Year
$400 per day, maximum 30 days per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Hospice and palliative care benefit
—
—
—
—
$100,000 per Policy Year
Private nursing fee (during Confinement)
—
—
—
—
Full reimbursement of Eligible ExpensesMaximum 30 days per Policy YearUp to 1 registered nurse per day at any time slot
Daily post-surgery home nursing benefit
—
$800 per day. Aged below 60: maximum 15 days per Policy Year. Aged 60 or above: maximum 30 days per Policy Year. (Within 90 days after discharge from Hospital or completion of Day Case Procedure)
$800 per day. Aged below 60: maximum 15 days per Policy Year. Aged 60 or above: maximum 30 days per Policy Year. (Within 90 days after discharge from Hospital or completion of Day Case Procedure)
Full reimbursement of Eligible ExpensesMaximum 30 days per Policy YearUp to 1 registered nurse per day at any time slot (within the post-discharge window after surgery or Intensive Care Unit stay)
Full reimbursement of Eligible ExpensesMaximum 30 days per Policy YearUp to 1 registered nurse per day at any time slot (within the post-discharge window after surgery or Intensive Care Unit stay)
Outpatient-related
Cardiac rehabilitation benefit
—
—
—
—
$10,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
Outpatient kidney dialysis
—
$60,000 per Policy Year (effective 90 days after the Policy Issuance Date or Policy Effective Date, whichever is earlier)
$60,000 per Policy Year (effective 90 days after the Policy Issuance Date or Policy Effective Date, whichever is earlier)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Chinese Medicine Practitioner outpatient care
—
—
—
—
$1,000 per visit • Maximum 20 outpatient visits per Policy Year, up to 1 per day (within the post-discharge window after Confinement or Day Case Procedure)
Post-Confinement / Day Case Procedure auxiliary therapy
—
$400 per visit, maximum 15 visits per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
$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
—
—
—
—
$160,000 per Accident / per mastectomy
Cash Benefits Cash
Day surgery cash benefit
$1,000 per surgery
$1,000 per Day Case Procedure
$1,000 per Day Case Procedure
—
$1,000 per surgery
Second-claim cash allowance
—
i) $500 per day of Confinement, maximum 90 days per Policy Year ii) $500 per Day Case Procedure
i) $500 per day of Confinement, maximum 90 days per Policy Year ii) $500 per Day Case Procedure
—
—
Daily hospital cash supplement
—
—
—
—
$1,200 per day, maximum 90 days per Policy Year
Event Benefits Event
Medical accident and incident extension benefit
Death benefit: $80,000; Surgical benefit: $80,000 per Policy Year
i) Death benefit: $80,000 ii) Surgical benefit: $80,000 per Policy Year
i) Death benefit: $80,000 ii) Surgical benefit: $80,000 per Policy Year
$80,000
$80,000
Compassionate death benefit
$10,000
$10,000
$10,000
$50,000
$100,000