WeHealth Prestige - HKD80,000 Deductible

永明港卓越醫療保 - 80,000 港元自付費

Sun Life Hong Kong Limited

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Your premium

HK$3,548 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$80,000

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$3,358
1	HK$3,356
2	HK$3,352
3	HK$3,349
4	HK$3,345
5	HK$3,341
6	HK$3,296
7	HK$3,252
8	HK$3,209
9	HK$3,164
10	HK$3,119
11	HK$3,074
12	HK$3,031
13	HK$2,986
14	HK$2,942
15	HK$2,899
16	HK$2,942
17	HK$2,987
18	HK$3,033
19	HK$3,078
20	HK$3,123
21	HK$3,166
22	HK$3,212
23	HK$3,257
24	HK$3,302
25	HK$3,347
26	HK$3,396
27	HK$3,427
28	HK$3,471
29	HK$3,515
30	HK$3,548
31	HK$3,786
32	HK$4,031
33	HK$4,250
34	HK$4,453
35	HK$4,594
36	HK$4,689
37	HK$4,784
38	HK$4,879
39	HK$4,971
40	HK$5,067
41	HK$5,162
42	HK$5,257
43	HK$5,351
44	HK$5,445
45	HK$5,541
46	HK$5,911
47	HK$6,283
48	HK$6,654
49	HK$7,026
50	HK$7,396
51	HK$7,728
52	HK$8,055
53	HK$8,466
54	HK$8,790
55	HK$9,157
56	HK$9,738
57	HK$10,320
58	HK$10,901
59	HK$11,602
60	HK$12,189
61	HK$13,035
62	HK$13,894
63	HK$14,746
64	HK$15,597
65	HK$16,415
66	HK$17,226
67	HK$18,090
68	HK$18,971
69	HK$19,859
70	HK$21,146
71	HK$22,434
72	HK$23,720
73	HK$25,007
74	HK$26,294
75	HK$27,462
76	HK$28,682
77	HK$29,919
78	HK$31,219
79	HK$32,500
80	HK$33,835
81	HK$35,265
82	HK$36,399
83	HK$37,541
84	HK$38,684
85	HK$39,816
86	HK$40,870
87	HK$41,919
88	HK$42,962
89	HK$44,012
90	HK$45,734
91	HK$47,428
92	HK$49,102
93	HK$50,738
94	HK$52,328
95	HK$53,864
96	HK$55,335
97	HK$56,737
98	HK$58,060
99	HK$59,291
100	HK$60,928
101	HK$62,567
102	HK$64,214
103	HK$65,869
104	HK$67,533
105	HK$69,205
106	HK$70,885
107	HK$72,574
108	HK$74,271
109	HK$75,976
110	HK$77,690
111	HK$79,412
112	HK$81,144
113	HK$82,884
114	HK$84,633
115	HK$86,390
116	HK$88,156
117	HK$89,932
118	HK$91,715
119	HK$93,508
120	HK$95,310

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

Current page

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.