WeHealth Preferred - HKD80,000 Deductible

永明港無憂醫療保 - 80,000 港元自付費

Sun Life Hong Kong Limited

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Your premium

HK$2,555 /yr

age

Ward class

Ward

Coverage region

Greater China

Deductible

HK$80,000

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$2,238
1	HK$2,236
2	HK$2,232
3	HK$2,229
4	HK$2,225
5	HK$2,212
6	HK$2,183
7	HK$2,153
8	HK$2,125
9	HK$2,094
10	HK$2,059
11	HK$2,036
12	HK$2,007
13	HK$1,977
14	HK$1,948
15	HK$1,919
16	HK$1,949
17	HK$1,978
18	HK$2,008
19	HK$2,037
20	HK$2,085
21	HK$2,121
22	HK$2,165
23	HK$2,210
24	HK$2,259
25	HK$2,307
26	HK$2,358
27	HK$2,407
28	HK$2,456
29	HK$2,504
30	HK$2,555
31	HK$2,608
32	HK$2,669
33	HK$2,731
34	HK$2,817
35	HK$2,902
36	HK$2,985
37	HK$3,077
38	HK$3,179
39	HK$3,288
40	HK$3,434
41	HK$3,578
42	HK$3,721
43	HK$3,864
44	HK$4,006
45	HK$4,129
46	HK$4,285
47	HK$4,458
48	HK$4,647
49	HK$4,889
50	HK$5,151
51	HK$5,419
52	HK$5,720
53	HK$6,037
54	HK$6,391
55	HK$6,776
56	HK$7,208
57	HK$7,699
58	HK$8,247
59	HK$8,805
60	HK$9,420
61	HK$10,068
62	HK$10,743
63	HK$11,442
64	HK$12,158
65	HK$12,890
66	HK$13,625
67	HK$14,346
68	HK$15,052
69	HK$15,746
70	HK$16,426
71	HK$17,157
72	HK$17,889
73	HK$18,655
74	HK$19,460
75	HK$20,308
76	HK$21,150
77	HK$22,068
78	HK$23,044
79	HK$24,070
80	HK$25,143
81	HK$26,260
82	HK$27,410
83	HK$28,638
84	HK$29,762
85	HK$30,884
86	HK$32,035
87	HK$33,226
88	HK$33,940
89	HK$34,763
90	HK$36,130
91	HK$37,467
92	HK$38,790
93	HK$40,084
94	HK$41,339
95	HK$42,552
96	HK$43,715
97	HK$44,822
98	HK$45,867
99	HK$46,845
100	HK$48,133
101	HK$49,428
102	HK$50,729
103	HK$52,036
104	HK$53,351
105	HK$54,672
106	HK$55,999
107	HK$57,333
108	HK$58,673
109	HK$60,021
110	HK$61,375
111	HK$62,736
112	HK$64,104
113	HK$65,479
114	HK$66,707
115	HK$67,924
116	HK$69,147
117	HK$70,375
118	HK$71,609
119	HK$72,852
120	HK$74,098

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

View details →

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.