WeHealth Prestige - HKD50,000 Deductible

永明港卓越醫療保 - 50,000 港元自付費

Sun Life Hong Kong Limited

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Your premium

HK$4,336 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$50,000

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 more than 30 days before Confinement/Day Case ProcedureUp to 1 visit per day within 30 days before Confinement/Day Case Procedure Outpatient visits after each Confinement/Day Case Procedure:Up to 1 visit 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 more than 30 days before Confinement/Day Case ProcedureUp to 1 visit per day within 30 days before Confinement/Day Case Procedure Outpatient visits after each Confinement/Day Case Procedure:Up to 1 visit 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$3,866
1	HK$3,844
2	HK$3,820
3	HK$3,798
4	HK$3,776
5	HK$3,753
6	HK$3,705
7	HK$3,656
8	HK$3,606
9	HK$3,558
10	HK$3,510
11	HK$3,462
12	HK$3,412
13	HK$3,359
14	HK$3,315
15	HK$3,266
16	HK$3,310
17	HK$3,354
18	HK$3,399
19	HK$3,427
20	HK$3,450
21	HK$3,531
22	HK$3,576
23	HK$3,620
24	HK$3,665
25	HK$3,708
26	HK$3,847
27	HK$3,975
28	HK$4,110
29	HK$4,247
30	HK$4,336
31	HK$4,527
32	HK$4,720
33	HK$4,917
34	HK$5,103
35	HK$5,251
36	HK$5,356
37	HK$5,518
38	HK$5,706
39	HK$5,821
40	HK$5,935
41	HK$6,049
42	HK$6,163
43	HK$6,278
44	HK$6,646
45	HK$6,779
46	HK$7,138
47	HK$7,497
48	HK$7,839
49	HK$8,215
50	HK$8,575
51	HK$8,934
52	HK$9,292
53	HK$9,651
54	HK$10,011
55	HK$10,369
56	HK$11,197
57	HK$12,024
58	HK$12,852
59	HK$13,680
60	HK$14,508
61	HK$15,336
62	HK$16,164
63	HK$16,992
64	HK$17,819
65	HK$18,647
66	HK$19,569
67	HK$20,546
68	HK$21,554
69	HK$22,556
70	HK$23,948
71	HK$25,340
72	HK$26,732
73	HK$28,123
74	HK$29,515
75	HK$30,905
76	HK$32,254
77	HK$33,640
78	HK$35,101
79	HK$36,543
80	HK$37,882
81	HK$39,262
82	HK$40,606
83	HK$41,959
84	HK$43,314
85	HK$44,667
86	HK$45,910
87	HK$47,146
88	HK$48,373
89	HK$49,693
90	HK$51,629
91	HK$53,538
92	HK$55,423
93	HK$57,266
94	HK$59,052
95	HK$60,778
96	HK$62,431
97	HK$64,006
98	HK$65,491
99	HK$66,879
100	HK$68,762
101	HK$70,654
102	HK$72,556
103	HK$74,468
104	HK$76,388
105	HK$78,319
106	HK$80,259
107	HK$82,209
108	HK$84,169
109	HK$86,138
110	HK$88,118
111	HK$90,107
112	HK$92,107
113	HK$94,116
114	HK$96,134
115	HK$98,164
116	HK$100,203
117	HK$102,253
118	HK$104,312
119	HK$106,383
120	HK$108,463

Other deductible options in this series

4 deductibles — same benefit schedule, premium scales with deductible

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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.