WeHealth Preferred - HKD20,000 Deductible

永明港無憂醫療保 - 20,000 港元自付費

Sun Life Hong Kong Limited

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Your premium

HK$4,169 /yr

age

Ward class

Ward

Coverage region

Greater China

Deductible

HK$20,000

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 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$3,790
1	HK$3,769
2	HK$3,739
3	HK$3,725
4	HK$3,702
5	HK$3,680
6	HK$3,630
7	HK$3,581
8	HK$3,534
9	HK$3,484
10	HK$3,435
11	HK$3,386
12	HK$3,339
13	HK$3,288
14	HK$3,239
15	HK$3,192
16	HK$3,208
17	HK$3,223
18	HK$3,241
19	HK$3,254
20	HK$3,280
21	HK$3,371
22	HK$3,479
23	HK$3,616
24	HK$3,765
25	HK$3,903
26	HK$3,986
27	HK$4,042
28	HK$4,105
29	HK$4,127
30	HK$4,169
31	HK$4,292
32	HK$4,416
33	HK$4,560
34	HK$4,724
35	HK$4,901
36	HK$5,084
37	HK$5,268
38	HK$5,448
39	HK$5,599
40	HK$5,794
41	HK$5,977
42	HK$6,188
43	HK$6,424
44	HK$6,699
45	HK$7,008
46	HK$7,421
47	HK$7,839
48	HK$8,325
49	HK$8,811
50	HK$9,065
51	HK$9,486
52	HK$9,934
53	HK$10,410
54	HK$10,922
55	HK$11,533
56	HK$12,190
57	HK$12,932
58	HK$13,764
59	HK$14,795
60	HK$15,546
61	HK$16,750
62	HK$17,761
63	HK$18,772
64	HK$19,784
65	HK$20,800
66	HK$22,159
67	HK$23,519
68	HK$24,880
69	HK$26,413
70	HK$27,945
71	HK$29,478
72	HK$31,012
73	HK$32,545
74	HK$34,078
75	HK$35,610
76	HK$37,144
77	HK$38,922
78	HK$40,701
79	HK$42,479
80	HK$44,258
81	HK$45,855
82	HK$47,544
83	HK$49,594
84	HK$51,372
85	HK$53,151
86	HK$54,923
87	HK$55,843
88	HK$57,875
89	HK$59,963
90	HK$61,643
91	HK$63,323
92	HK$65,003
93	HK$66,276
94	HK$67,387
95	HK$68,485
96	HK$69,629
97	HK$70,763
98	HK$71,958
99	HK$73,154
100	HK$74,983
101	HK$76,821
102	HK$78,668
103	HK$80,525
104	HK$82,389
105	HK$84,264
106	HK$86,149
107	HK$88,043
108	HK$89,946
109	HK$91,859
110	HK$93,782
111	HK$95,714
112	HK$97,655
113	HK$99,606
114	HK$101,567
115	HK$103,538
116	HK$105,520
117	HK$107,510
118	HK$109,510
119	HK$111,522
120	HK$113,542

Other deductible options in this series

4 deductibles — same benefit schedule, premium scales with deductible

HK$0

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HK$20K

Current page

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.