WeHealth Prestige - HKD0 Deductible

永明港卓越醫療保 - 0 港元自付費

Sun Life Hong Kong Limited

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Your premium

HK$13,577 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

Annual benefit limit

HK$10,000,000

Per-illness annual limit

—

Lifetime benefit limit

HK$40,000,000

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	Full reimbursement of Eligible ExpensesR&C
(b) Miscellaneous charges (b) 雜項開支	Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit Medical Devices)R&C
(c) Attending doctor's visit fee (c) 主診醫生巡房費	Full reimbursement of Eligible ExpensesR&C
(d) Specialist's fee (d) 專科醫生費	Full reimbursement of Eligible ExpensesR&C
(e) Intensive care (e) 深切治療	Full reimbursement of Eligible ExpensesR&C
(f) Surgeon's fee (f) 外科醫生費	Full reimbursement of Eligible Expenses regardless of surgical categoryR&C
(g) Anaesthetist's fee (g) 麻醉科醫生費	Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges (h) 手術室費	Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	Full reimbursement of Eligible ExpensesR&C
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	Full reimbursement of Eligible ExpensesR&C
(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	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 ProcedureUp 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 ProcedureR&C
(l) Psychiatric treatments (l) 精神科治療	$40,000 per Policy Year
Extra Benefits
Hospital companion bed fee reimbursement 親屬之附加床位保障	Full reimbursement of Eligible ExpensesR&C
Private nursing fee (during Confinement) 私家看護費用保障	Full reimbursement of Eligible ExpensesMaximum 30 days per Policy YearUp to 1 registered nurse per day at any time slotR&C
Daily post-surgery home nursing benefit 居家看護保障	Full reimbursement of Eligible ExpensesMaximum 30 days per Policy YearUp to 1 registered nurse per day at any time slot (within the post-discharge window after surgery or Intensive Care Unit stay)R&C
Outpatient kidney dialysis 門診腎臟透析治療保障	Full reimbursement of Eligible ExpensesR&C
Emergency outpatient treatment for Accident 緊急門診治療保障	Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&C
Reconstructive surgery for specified conditions 重建手術保障	$160,000 per Accident / per mastectomy
Medical implants / prosthetic devices 醫療裝置保障	Specified items: Full reimbursement of Eligible Expenses; other items: $100,000 per Policy YearR&C
Chinese Medicine Practitioner outpatient care 出院後 / 日間手術後的中醫門診治療保障	$1,000 per visit • Maximum 20 outpatient visits per Policy Year, up to 1 per day (within the post-discharge window after Confinement or Day Case Procedure)
Cancer / cardiac / stroke rehabilitation benefit 康復治療保障	$80,000 per Policy Year (within the post-discharge window)
Cardiac 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)
Hospice and palliative care benefit 善終服務保障	$100,000 per Policy Year
Organ transplant donor benefit 捐贈者保障	$500,000 per major organ transplant
Complications of pregnancy 懷孕併發症保障	Full reimbursement of Eligible ExpensesR&C
Emergency dental benefit (Accident only) 急症牙齒護理保障	Full reimbursement of Eligible Expenses (within the days after the Accident as specified)R&C
Cash Benefits
Daily hospital cash supplement 每日住院現金保障（只適用於香港）	$1,200 per day, maximum 90 days per Policy Year
Day surgery cash benefit 日間手術現金保障	$1,000 per surgery
Event Benefits
Compassionate death benefit 恩恤身故保障	$100,000
Medical accident and incident extension benefit 因醫療疏忽導致身故保障	$80,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
Full reimbursement of Eligible ExpensesR&C
(b) Miscellaneous charges
(b) 雜項開支
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit Medical Devices)R&C
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
Full reimbursement of Eligible ExpensesR&C
(d) Specialist's fee
(d) 專科醫生費
Full reimbursement of Eligible ExpensesR&C
(e) Intensive care
(e) 深切治療
Full reimbursement of Eligible ExpensesR&C
(f) Surgeon's fee
(f) 外科醫生費
Full reimbursement of Eligible Expenses regardless of surgical categoryR&C
(g) Anaesthetist's fee
(g) 麻醉科醫生費
Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges
(h) 手術室費
Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
Full reimbursement of Eligible ExpensesR&C
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
Full reimbursement of Eligible ExpensesR&C
(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
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 ProcedureUp 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 ProcedureR&C
(l) Psychiatric treatments
(l) 精神科治療
$40,000 per Policy Year

Extra Benefits

Hospital companion bed fee reimbursement
親屬之附加床位保障
Full reimbursement of Eligible ExpensesR&C
Private nursing fee (during Confinement)
私家看護費用保障
Full reimbursement of Eligible ExpensesMaximum 30 days per Policy YearUp to 1 registered nurse per day at any time slotR&C
Daily post-surgery home nursing benefit
居家看護保障
Full reimbursement of Eligible ExpensesMaximum 30 days per Policy YearUp to 1 registered nurse per day at any time slot (within the post-discharge window after surgery or Intensive Care Unit stay)R&C
Outpatient kidney dialysis
門診腎臟透析治療保障
Full reimbursement of Eligible ExpensesR&C
Emergency outpatient treatment for Accident
緊急門診治療保障
Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&C
Reconstructive surgery for specified conditions
重建手術保障
$160,000 per Accident / per mastectomy
Medical implants / prosthetic devices
醫療裝置保障
Specified items: Full reimbursement of Eligible Expenses; other items: $100,000 per Policy YearR&C
Chinese Medicine Practitioner outpatient care
出院後 / 日間手術後的中醫門診治療保障
$1,000 per visit • Maximum 20 outpatient visits per Policy Year, up to 1 per day (within the post-discharge window after Confinement or Day Case Procedure)
Cancer / cardiac / stroke rehabilitation benefit
康復治療保障
$80,000 per Policy Year (within the post-discharge window)
Cardiac 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)
Hospice and palliative care benefit
善終服務保障
$100,000 per Policy Year
Organ transplant donor benefit
捐贈者保障
$500,000 per major organ transplant
Complications of pregnancy
懷孕併發症保障
Full reimbursement of Eligible ExpensesR&C
Emergency dental benefit (Accident only)
急症牙齒護理保障
Full reimbursement of Eligible Expenses (within the days after the Accident as specified)R&C

Cash Benefits

Daily hospital cash supplement
每日住院現金保障（只適用於香港）
$1,200 per day, maximum 90 days per Policy Year
Day surgery cash benefit
日間手術現金保障
$1,000 per surgery

Event Benefits

Compassionate death benefit
恩恤身故保障
$100,000
Medical accident and incident extension benefit
因醫療疏忽導致身故保障
$80,000

Premium Schedule

Annual premium · Single rate (gender / smoking agnostic) · HKD

Age	Premium
0	HK$11,187
1	HK$10,976
2	HK$10,571
3	HK$10,174
4	HK$9,768
5	HK$9,355
6	HK$9,323
7	HK$9,292
8	HK$9,258
9	HK$9,224
10	HK$9,190
11	HK$9,156
12	HK$9,074
13	HK$8,995
14	HK$8,913
15	HK$8,832
16	HK$9,106
17	HK$9,229
18	HK$9,278
19	HK$9,326
20	HK$9,522
21	HK$9,612
22	HK$9,899
23	HK$10,296
24	HK$10,590
25	HK$11,564
26	HK$11,966
27	HK$12,368
28	HK$12,770
29	HK$13,172
30	HK$13,577
31	HK$13,979
32	HK$14,381
33	HK$14,783
34	HK$15,186
35	HK$15,588
36	HK$15,737
37	HK$15,917
38	HK$16,085
39	HK$16,407
40	HK$16,706
41	HK$16,999
42	HK$17,390
43	HK$18,164
44	HK$19,121
45	HK$20,136
46	HK$21,224
47	HK$22,058
48	HK$22,930
49	HK$23,899
50	HK$24,388
51	HK$25,259
52	HK$26,335
53	HK$27,303
54	HK$28,566
55	HK$29,730
56	HK$31,482
57	HK$33,518
58	HK$35,074
59	HK$38,003
60	HK$40,932
61	HK$43,860
62	HK$46,789
63	HK$49,718
64	HK$52,647
65	HK$55,576
66	HK$58,504
67	HK$61,433
68	HK$64,362
69	HK$67,433
70	HK$70,606
71	HK$73,884
72	HK$77,276
73	HK$80,776
74	HK$84,382
75	HK$88,088
76	HK$91,902
77	HK$95,837
78	HK$99,883
79	HK$104,039
80	HK$108,286
81	HK$112,643
82	HK$117,114
83	HK$121,697
84	HK$126,392
85	HK$131,195
86	HK$136,119
87	HK$141,146
88	HK$146,283
89	HK$151,563
90	HK$156,603
91	HK$161,643
92	HK$166,683
93	HK$171,723
94	HK$176,763
95	HK$181,803
96	HK$186,843
97	HK$191,883
98	HK$196,923
99	HK$201,963
100	HK$207,012
101	HK$212,084
102	HK$217,184
103	HK$222,308
104	HK$227,457
105	HK$232,632
106	HK$237,834
107	HK$243,061
108	HK$248,314
109	HK$253,594
110	HK$258,900
111	HK$264,233
112	HK$269,593
113	HK$274,979
114	HK$280,392
115	HK$285,832
116	HK$291,300
117	HK$296,793
118	HK$302,316
119	HK$307,866
120	HK$313,443

Other deductible options in this series

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Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Apr 1, 2026
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.