VHIS Flexi · F00026-01-000-03

WeHealth Plus - Scheme 1

永明港稱心醫療保 - 計劃一

WeHealth Plus - Scheme 1 is a VHIS Flexi plan offered by Sun Life Hong Kong Limited, with ward class Ward, Worldwide coverage and HK$500,000 annual benefit limit. Latest plan-document version: Sep 1, 2025.

Data version: Sep 1, 2025

Your premium

HK$2,609 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$500,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

—

Benefits

Full benefit schedule · grouped by basic / extra / cash / event

Benefit Item	Limit
Basic Benefits
(a) Room and board (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) Miscellaneous charges (b) 雜項開支	$15,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$4,500 per day, maximum 30 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	35% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$80,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care (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) Psychiatric treatments (l) 精神科治療	$30,000 per Policy Year
Extra Benefits
Daily post-surgery home nursing benefit 居家看護保障	$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)
Outpatient kidney dialysis 洗腎治療保障	$60,000 per Policy Year (effective 90 days after the Policy Issuance Date or Policy Effective Date, whichever is earlier)
Emergency outpatient treatment for Accident 緊急門診治療保障	$5,000 per Policy Year within 24 hours of the Accident
Cancer / cardiac / stroke rehabilitation benefit 心臟復康診療保障	$10,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
Hospital companion bed fee reimbursement 親屬之附加床位保障	$400 per day, maximum 30 days per Policy Year
Post-Confinement / Day Case Procedure auxiliary therapy 出院後 / 日間手術後脊椎治療師 /針灸治療師 / 物理治療師診療保障	$400 per visit, maximum 15 visits per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
Cash Benefits
Day surgery cash benefit 日間手術現金保障	$1,000 per Day Case Procedure
Second-claim cash allowanceAfter other pays 特別現金保障	i) $500 per day of Confinement, maximum 90 days per Policy Yearii) $500 per Day Case Procedure
Event Benefits
Medical accident and incident extension benefit 因醫療疏忽導致身故或手術保障	i) Death benefit: $80,000ii) Surgical benefit: $80,000 per Policy Year
Compassionate death benefit 恩恤身故保障	$10,000

Basic Benefits

(a) Room and board
(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) Miscellaneous charges
(b) 雜項開支
$15,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$4,500 per day, maximum 30 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$80,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
(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) Psychiatric treatments
(l) 精神科治療
$30,000 per Policy Year

Extra Benefits

Daily post-surgery home nursing benefit
居家看護保障
$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)
Outpatient kidney dialysis
洗腎治療保障
$60,000 per Policy Year (effective 90 days after the Policy Issuance Date or Policy Effective Date, whichever is earlier)
Emergency outpatient treatment for Accident
緊急門診治療保障
$5,000 per Policy Year within 24 hours of the Accident
Cancer / cardiac / stroke rehabilitation benefit
心臟復康診療保障
$10,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
Hospital companion bed fee reimbursement
親屬之附加床位保障
$400 per day, maximum 30 days per Policy Year
Post-Confinement / Day Case Procedure auxiliary therapy
出院後 / 日間手術後脊椎治療師 /針灸治療師 / 物理治療師診療保障
$400 per visit, maximum 15 visits per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)

Cash Benefits

Day surgery cash benefit
日間手術現金保障
$1,000 per Day Case Procedure
Second-claim cash allowanceAfter other pays
特別現金保障
i) $500 per day of Confinement, maximum 90 days per Policy Yearii) $500 per Day Case Procedure

Event Benefits

Medical accident and incident extension benefit
因醫療疏忽導致身故或手術保障
i) Death benefit: $80,000ii) Surgical benefit: $80,000 per Policy Year
Compassionate death benefit
恩恤身故保障
$10,000

No-Claim Bonus

Renewal premium discount earned by staying claim-free

Single flat-rate discount

15% (consecutive 3 yrs)

Claims that do NOT break the streak

其他保單支付的住院賠償（合理證明後不影響合資格的年數）

Verbatim clause

無索償折扣 — 在本保單生效期間，本條款及保障的標準保費及附加保費將根據無索償折扣於本保單的續保日被立刻調低，惟必須符合以下的條件：(a) 在過去連續三(3)個保單年度或以上（「合資格的年數」）均沒有根據就本認可產品的條款及細則第六部分第3節及/或補充文件乙第(1)、(2)及(4)至(6)節內的有關住院保障作出的賠償；及 (b) 本保單於「合資格的年數」內持續生效而在此期間未曾發生保單復效。適用的無索償折扣百分比根據下表計算 — 「合資格的年數」: 連續三(3)個保單年度或以上無索償折扣(%): 15。

https://www.vhis.gov.hk/doc/certifiedplan/fp/F00026/F00026-01-000-03-PlanDoc-c.pdf

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$3,925	HK$3,216
1	HK$3,925	HK$3,216
2	HK$3,925	HK$3,216
3	HK$3,925	HK$3,216
4	HK$3,576	HK$2,953
5	HK$3,229	HK$2,690
6	HK$2,879	HK$2,427
7	HK$2,532	HK$2,163
8	HK$2,182	HK$1,899
9	HK$2,182	HK$1,899
10	HK$2,182	HK$1,899
11	HK$2,182	HK$1,899
12	HK$2,182	HK$1,899
13	HK$2,182	HK$1,899
14	HK$2,182	HK$1,899
15	HK$2,182	HK$1,899
16	HK$2,163	HK$2,176
17	HK$2,163	HK$2,176
18	HK$2,163	HK$2,176
19	HK$2,163	HK$2,176
20	HK$2,163	HK$2,176
21	HK$2,174	HK$2,249
22	HK$2,185	HK$2,324
23	HK$2,196	HK$2,397
24	HK$2,207	HK$2,472
25	HK$2,218	HK$2,548
26	HK$2,291	HK$2,663
27	HK$2,367	HK$2,783
28	HK$2,447	HK$2,906
29	HK$2,526	HK$3,000
30	HK$2,609	HK$3,098
31	HK$2,679	HK$3,177
32	HK$2,751	HK$3,262
33	HK$2,826	HK$3,347
34	HK$2,900	HK$3,431
35	HK$3,038	HK$3,590
36	HK$3,119	HK$3,680
37	HK$3,205	HK$3,773
38	HK$3,290	HK$3,867
39	HK$3,378	HK$3,963
40	HK$3,471	HK$4,061
41	HK$3,642	HK$4,250
42	HK$3,823	HK$4,450
43	HK$4,010	HK$4,659
44	HK$4,211	HK$4,865
45	HK$4,421	HK$5,080
46	HK$4,640	HK$5,306
47	HK$4,871	HK$5,540
48	HK$5,114	HK$5,784
49	HK$5,368	HK$6,046
50	HK$5,632	HK$6,320
51	HK$5,918	HK$6,611
52	HK$6,218	HK$6,917
53	HK$6,533	HK$7,237
54	HK$6,860	HK$7,529
55	HK$7,203	HK$7,834
56	HK$7,564	HK$8,151
57	HK$7,942	HK$8,480
58	HK$8,340	HK$8,824
59	HK$8,758	HK$9,123
60	HK$9,196	HK$9,433
61	HK$9,626	HK$9,720
62	HK$10,074	HK$10,018
63	HK$10,545	HK$10,326
64	HK$11,036	HK$10,701
65	HK$11,550	HK$11,089
66	HK$12,090	HK$11,491
67	HK$12,655	HK$11,908
68	HK$13,245	HK$12,341
69	HK$13,864	HK$12,931
70	HK$14,514	HK$13,550
71	HK$15,244	HK$14,245
72	HK$16,010	HK$14,975
73	HK$16,815	HK$15,745
74	HK$17,657	HK$16,512
75	HK$19,298	HK$18,020
76	HK$20,266	HK$18,900
77	HK$21,282	HK$19,819
78	HK$22,352	HK$20,378
79	HK$23,473	HK$20,933
80	HK$24,648	HK$21,485
81	HK$25,263	HK$22,029
82	HK$25,891	HK$22,571
83	HK$26,537	HK$23,115
84	HK$27,201	HK$23,665
85	HK$27,885	HK$24,213
86	HK$28,586	HK$24,765
87	HK$29,301	HK$25,366
88	HK$30,037	HK$25,981
89	HK$30,791	HK$26,634
90	HK$31,565	HK$27,300
91	HK$32,268	HK$27,909
92	HK$32,988	HK$28,531
93	HK$33,723	HK$29,167
94	HK$34,475	HK$29,815
95	HK$35,243	HK$30,477
96	HK$36,029	HK$31,156
97	HK$36,832	HK$31,850
98	HK$37,654	HK$32,556
99	HK$38,493	HK$33,281

Other deductible options in this series

2 deductibles — same benefit schedule, premium scales with deductible

Current page

View details →

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Sep 1, 2025
Last verified: 2026-04-25

Terms and premiums on this page reflect the latest documents published by each insurer and the Insurance Authority's VHIS platform. In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.