WeHealth Preferred - HKD0 Deductible

永明港無憂醫療保 - 0 港元自付費

Sun Life Hong Kong Limited

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Your premium

HK$8,958 /yr

age

Ward class

Ward

Coverage region

Greater China

Deductible

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 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
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
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
Cancer / cardiac / stroke 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 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
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
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
Cancer / cardiac / stroke 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$7,619
1	HK$7,355
2	HK$7,087
3	HK$6,817
4	HK$6,539
5	HK$6,269
6	HK$6,247
7	HK$6,226
8	HK$6,204
9	HK$6,181
10	HK$6,158
11	HK$6,135
12	HK$6,080
13	HK$6,027
14	HK$5,973
15	HK$5,919
16	HK$6,102
17	HK$6,284
18	HK$6,467
19	HK$6,651
20	HK$6,711
21	HK$6,823
22	HK$6,987
23	HK$7,161
24	HK$7,370
25	HK$7,609
26	HK$7,877
27	HK$8,164
28	HK$8,441
29	HK$8,717
30	HK$8,958
31	HK$9,278
32	HK$9,499
33	HK$9,753
34	HK$10,037
35	HK$10,255
36	HK$10,484
37	HK$10,816
38	HK$11,164
39	HK$11,520
40	HK$11,982
41	HK$12,372
42	HK$12,784
43	HK$13,209
44	HK$13,653
45	HK$14,110
46	HK$14,697
47	HK$15,225
48	HK$15,941
49	HK$16,626
50	HK$17,344
51	HK$18,112
52	HK$18,935
53	HK$19,832
54	HK$20,915
55	HK$21,992
56	HK$23,164
57	HK$24,558
58	HK$26,155
59	HK$27,896
60	HK$29,799
61	HK$31,871
62	HK$33,999
63	HK$36,197
64	HK$38,511
65	HK$40,919
66	HK$43,387
67	HK$45,872
68	HK$48,356
69	HK$50,841
70	HK$53,312
71	HK$55,773
72	HK$58,260
73	HK$60,787
74	HK$63,365
75	HK$66,020
76	HK$68,762
77	HK$71,621
78	HK$74,564
79	HK$77,592
80	HK$80,732
81	HK$83,988
82	HK$87,314
83	HK$90,745
84	HK$94,203
85	HK$97,010
86	HK$99,844
87	HK$102,800
88	HK$105,885
89	HK$109,184
90	HK$111,987
91	HK$114,789
92	HK$117,591
93	HK$120,393
94	HK$123,196
95	HK$125,998
96	HK$128,800
97	HK$131,602
98	HK$134,404
99	HK$136,709
100	HK$140,127
101	HK$143,562
102	HK$147,013
103	HK$150,483
104	HK$153,970
105	HK$157,473
106	HK$160,994
107	HK$164,534
108	HK$168,091
109	HK$171,666
110	HK$175,258
111	HK$178,868
112	HK$182,491
113	HK$186,144
114	HK$189,809
115	HK$193,492
116	HK$197,194
117	HK$200,913
118	HK$204,652
119	HK$208,410
120	HK$212,186

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.