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Well Link Life — same-insurer plan comparison
Well Link Life Insurance Company Limited · 4 plan series · 4 variants
Well Link Life Insurance Company Limited offers 4 Voluntary Health Insurance Scheme (VHIS) plans in Hong Kong (1 Standard, 3 Flexi), covering Worldwide (including United States), across Ward, Semi-Private Room, Standard Private Room and No ward-class restriction (item limits apply) ward classes. Premiums, coverage items, deductible tiers and annual limits are compared side-by-side below.
Data version: Oct 30, 2020
立安心自願醫保標準計劃
- VHIS cert no.
- S00040-01-000-02
- Plan Type
- Standard
- Main coverage region
- Worldwide (including United States)
- Ward class
- No ward-class restriction (item limits apply)
- Annual benefit limit
- HK$420,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (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
- 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 Coinsurance: 30%
- (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, HK$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
- HK$30,000 per Policy Year
Extra Benefits
- 門診洗腎
- —
- 意外急症門診治療費用賠償
- —
- 家中看護
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 入院前後門診 (額外)
- —
Cash Benefits
- 日間手術現金惠益
- —
- 第二索償現金津貼
- —
Event Benefits
- 恩恤身故賠償
- HK$10,000 per Policy
- 醫療意外事故保障
- —
$750 per day, maximum 180 days per Policy Year
$14,000 per Policy Year
$750 per day, maximum 180 days per Policy Year
$4,300 per Policy Year
$3,500 per day, maximum 25 days per Policy Year
$5,000
$12,500
$25,000
$50,000
$20,000 per Policy Year. Subject to 30% Coinsurance.
$80,000 per Policy Year
$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
$30,000 per Policy Year
$10,000 per Policy
立安心自願醫保靈活計劃 - 普通房
- VHIS cert no.
- F00042-01-000-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Ward
- Annual benefit limit
- HK$600,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- — see shared limit below
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$1,000 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$800 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
- 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 Coinsurance: 30%
- (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, HK$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
- HK$30,000 per Policy Year
Extra Benefits
- 門診洗腎
- HK$50,000 per Policy Year
- 意外急症門診治療費用賠償
- HK$7,000 per Policy Year within 24 hours of the Accident
- 家中看護
- HK$550 per visit1 per day, within 90 days after dischargeMaximum 30 visits 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
- 入院前後門診 (額外)
- $120,000(shared)
Cash Benefits
- 日間手術現金惠益
- $500
- 第二索償現金津貼
- $600
Event Benefits
- 恩恤身故賠償
- HK$15,000 per policy
- 醫療意外事故保障
- HK$100,000 per policy
$1,000 per day, maximum 180 days per Policy Year
$14,000 per Policy Year
$800 per day, maximum 180 days per Policy Year
$4,300 per Policy Year
$3,500 per day, maximum 25 days per Policy Year
$5,000
$12,500
$25,000
$50,000
$20,000 per Policy Year. Subject to 30% Coinsurance.
$80,000 per Policy Year
$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
$30,000 per Policy Year
$7,000 per Policy Year within 24 hours of the Accident
$550 per visit • 1 per day, within 90 days after discharge • Maximum 30 visits per Policy Year
$50,000 per Policy Year
Excess Eligible Expenses for follow-up outpatient visits within the specified visit-range × reimbursement ratio, capped at $580 per visit
$15,000 per policy
$500 per Day Case Procedure
$100,000 per policy
$600 per day, maximum 90 days per Policy Year
立安心自願醫保靈活計劃 - 半私家房
- VHIS cert no.
- F00042-02-000-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$800,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- — see shared limit below
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$2,200 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$20,000 per Policy Year
- (c) 主診醫生巡房費
- HK$1,600 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$6,000 per Policy Year
- (e) 深切治療
- HK$6,000 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$10,000
- 外科醫生費 — 中型
- HK$20,000
- 外科醫生費 — 大型
- HK$40,000
- 外科醫生費 — 複雜
- HK$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
- HK$30,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$120,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$800 per visit, HK$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
- HK$40,000 per Policy Year
Extra Benefits
- 門診洗腎
- HK$100,000 per Policy Year
- 意外急症門診治療費用賠償
- HK$11,000 per Policy Year within 24 hours of the Accident
- 家中看護
- HK$800 per visit1 per day, within 90 days after dischargeMaximum 30 visits 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
- 入院前後門診 (額外)
- $120,000(shared)
Cash Benefits
- 日間手術現金惠益
- $700
- 第二索償現金津貼
- $800
Event Benefits
- 恩恤身故賠償
- HK$20,000 per policy
- 醫療意外事故保障
- HK$200,000 per policy
$2,200 per day, maximum 180 days per Policy Year
$20,000 per Policy Year
$1,600 per day, maximum 180 days per Policy Year
$6,000 per Policy Year
$6,000 per day, maximum 25 days per Policy Year
$10,000
$20,000
$40,000
$80,000
$30,000 per Policy Year. Subject to 30% Coinsurance.
$120,000 per Policy Year
$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
$40,000 per Policy Year
$11,000 per Policy Year within 24 hours of the Accident
$800 per visit • 1 per day, within 90 days after discharge • Maximum 30 visits per Policy Year
$100,000 per Policy Year
Excess Eligible Expenses for follow-up outpatient visits within the specified visit-range × reimbursement ratio, capped at $800 per visit
$20,000 per policy
$700 per Day Case Procedure
$200,000 per policy
$800 per day, maximum 90 days per Policy Year
立安心自願醫保靈活計劃 - 標準私家房
- VHIS cert no.
- F00042-03-000-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$1,200,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- — see shared limit below
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$4,000 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$30,000 per Policy Year
- (c) 主診醫生巡房費
- HK$4,000 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$12,000 per Policy Year
- (e) 深切治療
- HK$10,000 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$15,000
- 外科醫生費 — 中型
- HK$30,000
- 外科醫生費 — 大型
- HK$60,000
- 外科醫生費 — 複雜
- HK$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
- HK$40,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$150,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$1,000 per visit, HK$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
- HK$50,000 per Policy Year
Extra Benefits
- 門診洗腎
- HK$150,000 per Policy Year
- 意外急症門診治療費用賠償
- HK$16,000 per Policy Year within 24 hours of the Accident
- 家中看護
- HK$1,600 per visit1 per day, within 90 days after dischargeMaximum 30 visits 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
- 入院前後門診 (額外)
- $120,000(shared)
Cash Benefits
- 日間手術現金惠益
- $1,200
- 第二索償現金津貼
- $1,300
Event Benefits
- 恩恤身故賠償
- HK$30,000 per policy
- 醫療意外事故保障
- HK$400,000 per policy
$4,000 per day, maximum 180 days per Policy Year
$30,000 per Policy Year
$4,000 per day, maximum 180 days per Policy Year
$12,000 per Policy Year
$10,000 per day, maximum 25 days per Policy Year
$15,000
$30,000
$60,000
$120,000
$40,000 per Policy Year. Subject to 30% Coinsurance.
$150,000 per Policy Year
$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
$50,000 per Policy Year
$16,000 per Policy Year within 24 hours of the Accident
$1,600 per visit • 1 per day, within 90 days after discharge • Maximum 30 visits per Policy Year
$150,000 per Policy Year
Excess Eligible Expenses for follow-up outpatient visits within the specified visit-range × reimbursement ratio, capped at $1,000 per visit
$30,000 per policy
$1,200 per Day Case Procedure
$400,000 per policy
$1,300 per day, maximum 90 days per Policy Year
“No overall limit”: individual items still have limits. “—”: the item does not apply to that plan, or the benefit schedule does not list it separately (e.g. it is split by surgery category); this does not necessarily mean it is never paid. “Not listed”: we could not confirm it from the plan documents.