VHIS Flexi · F00026-01-001-03

WeHealth Plus - Scheme 2

永明港稱心醫療保 - 計劃二

Sun Life Hong Kong Limited

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Your premium

HK$3,614 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$800,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

HK$300,000

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: no daily limit. 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 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
(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 Year ii) $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: $80,000 ii) 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: no daily limit. 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 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
(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 Year ii) $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: $80,000 ii) Surgical benefit: $80,000 per Policy Year
Compassionate death benefit
恩恤身故保障
$10,000

Premium Schedule

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

Age	Male	Female
0	HK$5,121	HK$4,472
1	HK$5,121	HK$4,472
2	HK$5,121	HK$4,472
3	HK$5,121	HK$4,472
4	HK$4,734	HK$4,104
5	HK$4,348	HK$3,735
6	HK$3,962	HK$3,367
7	HK$3,575	HK$2,998
8	HK$3,189	HK$2,632
9	HK$3,189	HK$2,632
10	HK$3,189	HK$2,632
11	HK$3,189	HK$2,632
12	HK$3,189	HK$2,632
13	HK$3,189	HK$2,632
14	HK$3,189	HK$2,632
15	HK$3,189	HK$2,632
16	HK$3,165	HK$3,193
17	HK$3,165	HK$3,193
18	HK$3,165	HK$3,193
19	HK$3,165	HK$3,193
20	HK$3,165	HK$3,193
21	HK$3,170	HK$3,298
22	HK$3,174	HK$3,404
23	HK$3,178	HK$3,509
24	HK$3,185	HK$3,614
25	HK$3,192	HK$3,722
26	HK$3,271	HK$3,846
27	HK$3,353	HK$3,973
28	HK$3,437	HK$4,108
29	HK$3,525	HK$4,205
30	HK$3,614	HK$4,307
31	HK$3,705	HK$4,411
32	HK$3,799	HK$4,518
33	HK$3,893	HK$4,626
34	HK$3,991	HK$4,724
35	HK$4,173	HK$4,919
36	HK$4,280	HK$5,022
37	HK$4,388	HK$5,127
38	HK$4,499	HK$5,236
39	HK$4,612	HK$5,340
40	HK$4,730	HK$5,445
41	HK$4,970	HK$5,691
42	HK$5,225	HK$5,949
43	HK$5,490	HK$6,218
44	HK$5,771	HK$6,487
45	HK$6,066	HK$6,769
46	HK$6,379	HK$7,063
47	HK$6,705	HK$7,372
48	HK$7,050	HK$7,691
49	HK$7,409	HK$8,036
50	HK$7,790	HK$8,396
51	HK$8,231	HK$8,814
52	HK$8,698	HK$9,255
53	HK$9,193	HK$9,716
54	HK$9,713	HK$10,167
55	HK$10,265	HK$10,638
56	HK$10,849	HK$11,133
57	HK$11,466	HK$11,653
58	HK$12,120	HK$12,200
59	HK$12,811	HK$12,766
60	HK$13,545	HK$13,365
61	HK$14,191	HK$13,876
62	HK$14,867	HK$14,405
63	HK$15,574	HK$14,958
64	HK$16,314	HK$15,572
65	HK$17,091	HK$16,211
66	HK$17,904	HK$16,876
67	HK$18,756	HK$17,570
68	HK$19,649	HK$18,294
69	HK$20,586	HK$19,176
70	HK$21,569	HK$20,102
71	HK$22,626	HK$21,099
72	HK$23,735	HK$22,142
73	HK$24,899	HK$23,242
74	HK$26,120	HK$24,317
75	HK$27,673	HK$25,697
76	HK$29,028	HK$26,885
77	HK$30,450	HK$28,132
78	HK$31,941	HK$29,041
79	HK$33,504	HK$29,885
80	HK$35,144	HK$30,737
81	HK$36,011	HK$31,473
82	HK$36,899	HK$32,210
83	HK$37,808	HK$32,947
84	HK$38,747	HK$33,688
85	HK$39,705	HK$34,433
86	HK$40,689	HK$35,175
87	HK$41,698	HK$35,969
88	HK$42,730	HK$36,773
89	HK$43,789	HK$37,613
90	HK$44,873	HK$38,471
91	HK$45,760	HK$39,270
92	HK$46,664	HK$40,083
93	HK$47,587	HK$40,907
94	HK$48,531	HK$41,731
95	HK$49,493	HK$42,572
96	HK$50,474	HK$43,430
97	HK$51,473	HK$44,307
98	HK$52,496	HK$45,199
99	HK$53,540	HK$46,113

Other deductible options in this series

2 deductibles — same benefit schedule, premium scales with deductible

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Current page

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.