WeHealth Prestige - HKD20,000 Deductible

永明港卓越醫療保 - 20,000 港元自付費

Sun Life Hong Kong Limited

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Your premium

HK$6,170 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$20,000

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$5,171
1	HK$5,103
2	HK$5,034
3	HK$4,964
4	HK$4,892
5	HK$4,820
6	HK$4,771
7	HK$4,722
8	HK$4,672
9	HK$4,621
10	HK$4,570
11	HK$4,517
12	HK$4,442
13	HK$4,367
14	HK$4,292
15	HK$4,217
16	HK$4,241
17	HK$4,264
18	HK$4,286
19	HK$4,301
20	HK$4,314
21	HK$4,374
22	HK$4,545
23	HK$4,717
24	HK$4,890
25	HK$4,988
26	HK$5,235
27	HK$5,407
28	HK$5,674
29	HK$5,923
30	HK$6,170
31	HK$6,368
32	HK$6,461
33	HK$6,554
34	HK$6,651
35	HK$6,821
36	HK$6,991
37	HK$7,161
38	HK$7,332
39	HK$7,502
40	HK$7,672
41	HK$7,839
42	HK$8,118
43	HK$8,553
44	HK$8,696
45	HK$8,840
46	HK$9,448
47	HK$10,070
48	HK$10,700
49	HK$11,343
50	HK$11,995
51	HK$12,534
52	HK$13,072
53	HK$13,610
54	HK$14,148
55	HK$14,687
56	HK$15,817
57	HK$16,949
58	HK$18,079
59	HK$19,211
60	HK$20,341
61	HK$21,474
62	HK$22,604
63	HK$23,736
64	HK$24,867
65	HK$25,999
66	HK$27,699
67	HK$29,399
68	HK$31,099
69	HK$33,015
70	HK$34,932
71	HK$36,848
72	HK$38,764
73	HK$40,681
74	HK$42,597
75	HK$44,507
76	HK$46,430
77	HK$48,653
78	HK$50,876
79	HK$53,099
80	HK$55,322
81	HK$57,322
82	HK$59,433
83	HK$61,992
84	HK$64,215
85	HK$66,438
86	HK$68,662
87	HK$69,805
88	HK$72,344
89	HK$74,956
90	HK$77,809
91	HK$80,614
92	HK$83,360
93	HK$85,404
94	HK$88,031
95	HK$90,563
96	HK$92,987
97	HK$95,290
98	HK$97,459
99	HK$99,482
100	HK$102,267
101	HK$105,066
102	HK$107,880
103	HK$110,708
104	HK$113,549
105	HK$116,405
106	HK$119,276
107	HK$122,160
108	HK$125,058
109	HK$127,972
110	HK$130,900
111	HK$133,842
112	HK$136,799
113	HK$139,772
114	HK$142,759
115	HK$145,760
116	HK$148,777
117	HK$151,803
118	HK$154,857
119	HK$157,919
120	HK$160,997

Other deductible options in this series

4 deductibles — same benefit schedule, premium scales with deductible

HK$0

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HK$20K

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HK$50K

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HK$80K

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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.