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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, sorted from basic to comprehensive)

項目

Well Protect Voluntary Health Insurance Scheme (Standard)

Well Protect Voluntary Health Insurance Scheme (Flexi) - Ward

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

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

Highlights

VHIS cert no.

S00040-01-000-02Benefits PDFPremiums PDF

F00042-01-000-02Benefits PDFPremiums PDF

F00042-02-000-02Benefits PDFPremiums PDF

F00042-03-000-02Benefits PDFPremiums PDF

Plan type

Standard

Flexi

Coverage region

Worldwide

Ward

N/A (capped)

Ward

Semi-Private Room

Standard Private Room

Lifetime limit

—

Annual limit

Per illness

—

SMM top-up

—

— see shared limit below

No-Claim Bonus

—

Deductible

—

Version

Oct 30, 2020

Basic Benefits Basic

(a) Room and board

$750 per day, maximum 180 days per Policy Year

$1,000 per day, maximum 180 days per Policy Year

$2,200 per day, maximum 180 days per Policy Year

$4,000 per day, maximum 180 days per Policy Year

(b) Miscellaneous charges

$14,000 per Policy Year

$20,000 per Policy Year

$30,000 per Policy Year

$750 per day, maximum 180 days per Policy Year

$800 per day, maximum 180 days per Policy Year

$1,600 per day, maximum 180 days per Policy Year

$4,000 per day, maximum 180 days per Policy Year

(d) Specialist's fee

$4,300 per Policy Year

$6,000 per Policy Year

$12,000 per Policy Year

(e) Intensive care

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

$6,000 per day, maximum 25 days per Policy Year

$10,000 per day, maximum 25 days per Policy Year

Surgeon's fee — Minor

$5,000

$10,000

$15,000

Surgeon's fee — Intermediate

$12,500

$20,000

$30,000

Surgeon's fee — Major

$25,000

$40,000

$60,000

Surgeon's fee — Complex

$50,000

$80,000

$120,000

(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.

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

$40,000 per Policy Year. Subject to 30% Coinsurance.

(j) Prescribed Non-surgical Cancer Treatments

$80,000 per Policy Year

$120,000 per Policy Year

$150,000 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

$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

$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

$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) Psychiatric treatments

$30,000 per Policy Year

$40,000 per Policy Year

$50,000 per Policy Year

Extra Benefits Extra

Accident-related

Emergency outpatient treatment for Accident

—

$7,000 per Policy Year within 24 hours of the Accident

$11,000 per Policy Year within 24 hours of the Accident

$16,000 per Policy Year within 24 hours of the Accident

Outpatient-related

Outpatient kidney dialysis

—

$50,000 per Policy Year

$100,000 per Policy Year

$150,000 per Policy Year

Daily post-surgery home nursing benefit

—

$550 per visit• 1 per day, within the post-discharge window• Maximum 30 visits per Policy Year

$800 per visit• 1 per day, within the post-discharge window• Maximum 30 visits per Policy Year

$1,600 per visit• 1 per day, within the post-discharge window• Maximum 30 visits per Policy Year

Post-Confinement / Day Case Procedure auxiliary therapy

—

Under basic benefit (k), within 90 days after discharge from Hospital or completion of Day Case Procedure

Event / Lump sum

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

—

Excess Eligible Expenses for follow-up outpatient visits within the specified visit-range × reimbursement ratio, capped at $580 per visit

Excess Eligible Expenses for follow-up outpatient visits within the specified visit-range × reimbursement ratio, capped at $800 per visit

Excess Eligible Expenses for follow-up outpatient visits within the specified visit-range × reimbursement ratio, capped at $1,000 per visit

Cash Benefits Cash

Day surgery cash benefit

—

$500 per Day Case Procedure

$700 per Day Case Procedure

$1,200 per Day Case Procedure

Second-claim cash allowance

—

$600 per day, maximum 90 days per Policy Year

$800 per day, maximum 90 days per Policy Year

$1,300 per day, maximum 90 days per Policy Year

Event Benefits Event

Compassionate death benefit

$10,000 per Policy

$15,000 per policy

$20,000 per policy

$30,000 per policy

Medical accident and incident extension benefit

—

$100,000 per policy

$200,000 per policy

$400,000 per policy

Plan name

Well Protect Voluntary Health Insurance Scheme (Standard)

立安心自願醫保標準計劃

Entry-level Pick

Ver. Oct 30, 2020

VHIS cert no.

S00040-01-000-02Benefits 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

—

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

Surgeon's fee — Minor

$5,000

Surgeon's fee — Intermediate

$12,500

Surgeon's fee — Major

$25,000

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

Accident-related

Emergency outpatient treatment for Accident

—

Outpatient-related

Outpatient kidney dialysis

—

Daily post-surgery home nursing benefit

—

Post-Confinement / Day Case Procedure auxiliary therapy

—

Event / Lump sum

Pre- and post-Confinement / Day Case Procedure outpatient care (top-up)SMM topup

—

Cash Benefits Cash

Day surgery cash benefit

—

Second-claim cash allowanceAfter other pays

—

Event Benefits Event

Compassionate death benefit

$10,000 per Policy

Medical accident and incident extension benefit

—

Plan 1 / 4

立安心自願醫保標準計劃

Well Protect Voluntary Health Insurance Scheme (Standard)

Entry-level PickVer. Oct 30, 2020

VHIS cert no.: S00040-01-000-02
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: $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
　　外科醫生費 — 小型: $5,000
　　外科醫生費 — 中型: $12,500
　　外科醫生費 — 大型: $25,000
　　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

Extra Benefits Extra

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 Cash

日間手術現金惠益: —
第二索償現金津貼: —

Event Benefits Event

恩恤身故賠償: $10,000 per Policy
醫療意外事故保障: —

Plan 2 / 4

立安心自願醫保靈活計劃 - 普通房

Well Protect Voluntary Health Insurance Scheme (Flexi) - Ward

Step UpVer. Oct 30, 2020

VHIS cert no.: F00042-01-000-02
Plan Type: Flexi
Coverage region: Worldwide
Ward class: Ward
Annual benefit limit: HK$600,000
Lifetime benefit limit: —
每傷病保障期: —
SMM Supplemental Major Medical: — see shared limit below
Deductible Options: —

Basic Benefits 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
　　外科醫生費 — 小型: $5,000
　　外科醫生費 — 中型: $12,500
　　外科醫生費 — 大型: $25,000
　　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

Extra Benefits Extra

門診洗腎: $50,000 per Policy Year
意外急症門診治療費用賠償: $7,000 per Policy Year within 24 hours of the Accident
家中看護: $550 per visit• 1 per day, within the post-discharge window• Maximum 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 Cash

日間手術現金惠益: $500
第二索償現金津貼: $600

Event Benefits Event

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

Plan 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

Step UpVer. Oct 30, 2020

VHIS cert no.: F00042-02-000-02
Plan Type: Flexi
Coverage region: Worldwide
Ward class: Semi-Private Room
Annual benefit limit: HK$800,000
Lifetime benefit limit: —
每傷病保障期: —
SMM Supplemental Major Medical: — see shared limit below
Deductible Options: —

Basic Benefits 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
　　外科醫生費 — 小型: $10,000
　　外科醫生費 — 中型: $20,000
　　外科醫生費 — 大型: $40,000
　　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

Extra Benefits Extra

門診洗腎: $100,000 per Policy Year
意外急症門診治療費用賠償: $11,000 per Policy Year within 24 hours of the Accident
家中看護: $800 per visit• 1 per day, within the post-discharge window• Maximum 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 Cash

日間手術現金惠益: $700
第二索償現金津貼: $800

Event Benefits Event

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

Plan 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

Step UpVer. Oct 30, 2020

VHIS cert no.: F00042-03-000-02
Plan Type: Flexi
Coverage region: Worldwide
Ward class: Standard Private Room
Annual benefit limit: HK$1,200,000
Lifetime benefit limit: —
每傷病保障期: —
SMM Supplemental Major Medical: — see shared limit below
Deductible Options: —

Basic Benefits 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
　　外科醫生費 — 小型: $15,000
　　外科醫生費 — 中型: $30,000
　　外科醫生費 — 大型: $60,000
　　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

Extra Benefits Extra

門診洗腎: $150,000 per Policy Year
意外急症門診治療費用賠償: $16,000 per Policy Year within 24 hours of the Accident
家中看護: $1,600 per visit• 1 per day, within the post-discharge window• Maximum 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 Cash

日間手術現金惠益: $1,200
第二索償現金津貼: $1,300

Event Benefits Event

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