ByCompany

Sun Life Hong Kong Limited — same-insurer plan comparison

Sun Life Hong Kong Limited · 5 plan series (11 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.

5/5

WeHealth

永明港健康醫療保

Ver. Apr 1, 2026

Score59/100

StandardCat 1Ward: N/ARegion: Worldwide

VHIS Cert. No.: S00018-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$420,000
Per-illness limit: —
SMM Supplemental Major Medical: —

WeHealth Plus - Scheme 2

永明港稱心醫療保 - 計劃二

Ver. Sep 1, 2025

Score59/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00026-01-001-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$800,000
Per-illness limit: —
SMM Supplemental Major Medical: —

WeHealth Plus - Scheme 1

永明港稱心醫療保 - 計劃一

Ver. Sep 1, 2025

Score59/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00026-01-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$500,000
Per-illness limit: —
SMM Supplemental Major Medical: —

WeHealth Preferred

永明港無憂醫療保

Ver. Apr 1, 2026

Score71/100

FlexiCat 3Ward: WardRegion: Greater China

VHIS Cert. No.: F00066-01-000-01Benefits PDF Premiums PDF
F00066-02-000-01Benefits PDF Premiums PDF
F00066-03-000-01Benefits PDF Premiums PDF
F00066-04-000-01Benefits PDF Premiums PDF
Lifetime Limit: HK$20,000,000
Annual Limit: HK$5,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$20K$50K$80K

WeHealth Prestige

永明港卓越醫療保

Ver. Apr 1, 2026

Score88/100

FlexiCat 3Ward: Semi-Private RoomRegion: Asia

VHIS Cert. No.: F00063-01-000-01Benefits PDF Premiums PDF
F00063-02-000-01Benefits PDF Premiums PDF
F00063-03-000-01Benefits PDF Premiums PDF
F00063-04-000-01Benefits PDF Premiums PDF
Lifetime Limit: HK$40,000,000
Annual Limit: HK$10,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$20K$50K$80K

計劃名稱

WeHealth

永明港健康醫療保

Cat 1

Ver. Apr 1, 2026

VHIS Cert. No.

S00018-01-000-02Benefits 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

—

(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, up to $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 within 90 days after discharge from Hospital or completion of Day Case Procedure

(l) Psychiatric treatments

$30,000 per Policy Year

Extra Benefits Extra

Daily post-surgery home nursing benefit

—

Outpatient kidney dialysis

—

Emergency outpatient treatment for Accident

—

Cancer / cardiac / stroke rehabilitation benefit

—

Hospital companion bed fee reimbursement

—

Post-Confinement / Day Case Procedure auxiliary therapy

—

Medical implants / prosthetic devices

—

Reconstructive surgery benefit

—

Chinese Medicine Practitioner outpatient care

—

Hospice and palliative care benefit

—

Post-organ-donation health tonic cash benefit

—

Complications of pregnancy

—

Emergency dental benefit (Accident only)

—

Cash Benefits Cash

Day surgery cash benefit

$1,000

Special loyalty reward

—

Daily hospital cash supplement

—

Event Benefits Event

Medical accident and incident extension benefit

Death benefit: $80,000; Surgical benefit: $80,000 per Policy Year

Compassionate death benefit

$10,000

計劃 1 / 5

永明港健康醫療保

WeHealth

標準Cat 1Ver. Apr 1, 2026保障評分 59/100

VHIS 認可編號: S00018-01-000-02
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: —
(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, up to $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 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

家中看護: —
門診洗腎: —
意外急症門診治療費用賠償: —
復康保障: —
住院陪床: —
出院後 / 日間手術後的額外門診輔助治療: —
醫療植入裝置: —
重建手術保障: —
出院後 / 日間手術後的中醫門診治療: —
善終服務: —
器官捐贈後健康補品現金津貼: —
懷孕併發症: —
意外牙科治療: —

現金保障 Cash

日間手術現金惠益: $1,000
特別獎賞: —
額外現金補貼保障: —

事件保障 Event

醫療意外事故保障: Death benefit: $80,000; Surgical benefit: $80,000 per Policy Year
恩恤身故賠償: $10,000

計劃 2 / 5

永明港稱心醫療保 - 計劃二

WeHealth Plus - Scheme 2

靈活Cat 1Ver. Sep 1, 2025保障評分 59/100

VHIS 認可編號: F00026-01-001-03
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: HK$800,000
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: General Ward: no daily limit. i) Semi-Private Room and/or above: $1,100 per day. ii) Maximum 180 days per Policy Year
(b) 雜項開支: $15,000 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: $4,500 per day, maximum 30 days per Policy Year
(f) 外科醫生費: —
(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, up to $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 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

家中看護: $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)
門診洗腎: $60,000 per Policy Year (effective 90 days after the Policy Issuance Date or Policy Effective Date, whichever is earlier)
意外急症門診治療費用賠償: $5,000 per Policy Year
復康保障: $10,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
住院陪床: $400 per day, maximum 30 days per Policy Year
出院後 / 日間手術後的額外門診輔助治療: $400 per visit, maximum 15 visits per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
醫療植入裝置: —
重建手術保障: —
出院後 / 日間手術後的中醫門診治療: —
善終服務: —
器官捐贈後健康補品現金津貼: —
懷孕併發症: —
意外牙科治療: —

現金保障 Cash

日間手術現金惠益: $1,000
特別獎賞: $500
額外現金補貼保障: —

事件保障 Event

醫療意外事故保障: i) Death benefit: $80,000 ii) Surgical benefit: $80,000 per Policy Year
恩恤身故賠償: $10,000

計劃 3 / 5

永明港稱心醫療保 - 計劃一

WeHealth Plus - Scheme 1

靈活Cat 1Ver. Sep 1, 2025保障評分 59/100

VHIS 認可編號: F00026-01-000-03
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: HK$500,000
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: General Ward: $1,000 per day. i) Semi-Private Room and/or above: $1,100 per day. ii) Maximum 180 days per Policy Year
(b) 雜項開支: $15,000 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: $4,500 per day, maximum 30 days per Policy Year
(f) 外科醫生費: —
(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, up to $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 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

家中看護: $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)
門診洗腎: $60,000 per Policy Year (effective 90 days after the Policy Issuance Date or Policy Effective Date, whichever is earlier)
意外急症門診治療費用賠償: $5,000 per Policy Year
復康保障: $10,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
住院陪床: $400 per day, maximum 30 days per Policy Year
出院後 / 日間手術後的額外門診輔助治療: $400 per visit, maximum 15 visits per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
醫療植入裝置: —
重建手術保障: —
出院後 / 日間手術後的中醫門診治療: —
善終服務: —
器官捐贈後健康補品現金津貼: —
懷孕併發症: —
意外牙科治療: —

現金保障 Cash

日間手術現金惠益: $1,000
特別獎賞: $500
額外現金補貼保障: —

事件保障 Event

醫療意外事故保障: i) Death benefit: $80,000 ii) Surgical benefit: $80,000 per Policy Year
恩恤身故賠償: $10,000

計劃 4 / 5

永明港無憂醫療保

WeHealth Preferred

靈活Cat 3Ver. Apr 1, 2026保障評分 71/100 (42–71)

VHIS 認可編號: F00066-01-000-01F00066-02-000-01F00066-03-000-01F00066-04-000-01
計劃類別: 靈活
保障地域範圍: 大中華 Greater China
病房級別: 普通病房 Ward
每年賠償限額: HK$5,000,000
終身賠償限額: HK$20,000,000
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $20K / $50K / $80K

基本保障 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
(f) 外科醫生費 — 小型: —
(f) 外科醫生費 — 中型: —
(f) 外科醫生費 — 大型: —
(f) 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 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 Procedure • Up 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) 精神科治療: $40,000

額外保障 Extra

家中看護: Full reimbursement
門診洗腎: Full reimbursement
意外急症門診治療費用賠償: Full reimbursement
復康保障: $10,000
住院陪床: Full reimbursement
出院後 / 日間手術後的額外門診輔助治療: —
醫療植入裝置: Full reimbursement
重建手術保障: —
出院後 / 日間手術後的中醫門診治療: —
善終服務: —
器官捐贈後健康補品現金津貼: —
懷孕併發症: —
意外牙科治療: —

現金保障 Cash

日間手術現金惠益: —
特別獎賞: —
額外現金補貼保障: —

事件保障 Event

醫療意外事故保障: —
恩恤身故賠償: $50,000 - $80,000

計劃 5 / 5

永明港卓越醫療保

WeHealth Prestige

靈活Cat 3Ver. Apr 1, 2026保障評分 88/100 (16–88)

VHIS 認可編號: F00063-01-000-01F00063-02-000-01F00063-03-000-01F00063-04-000-01
計劃類別: 靈活
保障地域範圍: 亞洲 Asia
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$10,000,000
終身賠償限額: HK$40,000,000
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $20K / $50K / $80K

基本保障 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
(f) 外科醫生費 — 小型: —
(f) 外科醫生費 — 中型: —
(f) 外科醫生費 — 大型: —
(f) 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 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 Procedure • Up 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) 精神科治療: $40,000

額外保障 Extra

家中看護: Full reimbursement
門診洗腎: Full reimbursement
意外急症門診治療費用賠償: Full reimbursement
復康保障: $10,000 - $80,000
住院陪床: Full reimbursement
出院後 / 日間手術後的額外門診輔助治療: —
醫療植入裝置: Full reimbursement
重建手術保障: $160,000
出院後 / 日間手術後的中醫門診治療: $1,000
善終服務: $100,000
器官捐贈後健康補品現金津貼: $500,000
懷孕併發症: Full reimbursement
意外牙科治療: Full reimbursement

現金保障 Cash

日間手術現金惠益: $1,000
特別獎賞: —
額外現金補貼保障: $1,200

事件保障 Event

醫療意外事故保障: —
恩恤身故賠償: $80,000 - $100,000