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WeHealth Preferred - HKD50,000 Deductible
永明港無憂醫療保 - 50,000 港元自付費
WeHealth Preferred - HKD50,000 Deductible is a VHIS Flexi plan offered by Sun Life Hong Kong Limited, with ward, Greater China coverage, HK$5,000,000 annual benefit limit and HK$50,000 deductible. Latest plan-document version: Apr 1, 2026.
Your premium
HK$3,065 /yr
age
HK$Plan at a glance
- Ward class
- Ward
- Coverage region
- Greater China
- Deductible
- HK$50,000
- Annual benefit limit
- HK$5,000,000
- Per-illness annual limit
- —
- Lifetime benefit limit
- HK$20,000,000
- 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 visitOutpatient visits or Emergency consultations before each Confinement/Day Case Procedure:• 1 visit more than 30 days before Confinement/Day Case Procedure• Up to 1 visit per day within 30 days before Confinement/Day Case ProcedureOutpatient 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 |
Home nursing 居家看護保障 | Full reimbursement of Eligible Expenses• Maximum 30 days per Policy Year• Up 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 |
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 |
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) |
| Event Benefits | |
Compassionate death benefit 恩恤身故保障 | $50,000 |
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 visitOutpatient visits or Emergency consultations before each Confinement/Day Case Procedure:• 1 visit more than 30 days before Confinement/Day Case Procedure• Up to 1 visit per day within 30 days before Confinement/Day Case ProcedureOutpatient 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
- Home nursing居家看護保障Full reimbursement of Eligible Expenses• Maximum 30 days per Policy Year• Up 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
- 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
- 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)
Event Benefits
- Compassionate death benefit恩恤身故保障$50,000
- 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$2,672 |
| 5 | HK$2,594 |
| 10 | HK$2,421 |
| 15 | HK$2,250 |
| 20 | HK$2,439 |
| 25 | HK$2,751 |
| 30 | HK$3,065 |
| 35 | HK$3,329 |
| 40 | HK$3,828 |
| 45 | HK$4,672 |
| 50 | HK$5,783 |
| 55 | HK$7,591 |
| 60 | HK$10,571 |
| 65 | HK$14,256 |
| 70 | HK$18,659 |
| 75 | HK$23,045 |
| 80 | HK$28,727 |
| 85 | HK$34,698 |
| 90 | HK$39,779 |
| 95 | HK$46,610 |
| 100 | HK$53,680 |
| 105 | HK$60,238 |
| 110 | HK$66,961 |
| 115 | HK$73,854 |
| 120 | HK$80,921 |
How to apply for this plan
This plan is offered by Sun Life Hong Kong Limited. To apply, contact Sun Life Hong Kong Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
This site's licensed insurance agent can only arrange FWD plans.
Other deductible options in this series
4 deductibles — same benefit schedule, premium scales with deductible
Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.
Notes & sources
- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Official premium schedule
- VHIS.gov.hk premium schedule PDF
- Schedule effective date
- Apr 1, 2026
- Plan data updated
- 2026-04-25