WeHealth Preferred - HKD50,000 Deductible

永明港無憂醫療保 - 50,000 港元自付費

Sun Life Hong Kong Limited

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Your premium

HK$3,065 /yr

age

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 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
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 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
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$2,672
1	HK$2,656
2	HK$2,640
3	HK$2,619
4	HK$2,610
5	HK$2,594
6	HK$2,559
7	HK$2,524
8	HK$2,491
9	HK$2,456
10	HK$2,421
11	HK$2,387
12	HK$2,353
13	HK$2,318
14	HK$2,284
15	HK$2,250
16	HK$2,284
17	HK$2,318
18	HK$2,354
19	HK$2,389
20	HK$2,439
21	HK$2,492
22	HK$2,539
23	HK$2,596
24	HK$2,660
25	HK$2,751
26	HK$2,819
27	HK$2,901
28	HK$2,955
29	HK$3,016
30	HK$3,065
31	HK$3,129
32	HK$3,182
33	HK$3,229
34	HK$3,289
35	HK$3,329
36	HK$3,390
37	HK$3,471
38	HK$3,578
39	HK$3,694
40	HK$3,828
41	HK$3,983
42	HK$4,153
43	HK$4,331
44	HK$4,479
45	HK$4,672
46	HK$4,854
47	HK$5,040
48	HK$5,256
49	HK$5,503
50	HK$5,783
51	HK$6,093
52	HK$6,436
53	HK$6,782
54	HK$7,167
55	HK$7,591
56	HK$8,060
57	HK$8,588
58	HK$9,206
59	HK$9,868
60	HK$10,571
61	HK$11,248
62	HK$11,956
63	HK$12,666
64	HK$13,432
65	HK$14,256
66	HK$15,173
67	HK$16,063
68	HK$16,943
69	HK$17,810
70	HK$18,659
71	HK$19,508
72	HK$20,369
73	HK$21,237
74	HK$22,122
75	HK$23,045
76	HK$24,022
77	HK$25,060
78	HK$26,191
79	HK$27,422
80	HK$28,727
81	HK$30,107
82	HK$31,489
83	HK$32,860
84	HK$33,836
85	HK$34,698
86	HK$35,489
87	HK$36,240
88	HK$37,311
89	HK$38,525
90	HK$39,779
91	HK$41,162
92	HK$42,504
93	HK$43,916
94	HK$45,286
95	HK$46,610
96	HK$47,878
97	HK$49,436
98	HK$50,942
99	HK$52,388
100	HK$53,680
101	HK$54,979
102	HK$56,283
103	HK$57,595
104	HK$58,913
105	HK$60,238
106	HK$61,569
107	HK$62,907
108	HK$64,251
109	HK$65,603
110	HK$66,961
111	HK$68,326
112	HK$69,698
113	HK$71,076
114	HK$72,462
115	HK$73,854
116	HK$75,254
117	HK$76,660
118	HK$78,073
119	HK$79,493
120	HK$80,921

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.