VHIS Standard · S00018-01-000-02

WeHealth

永明港健康醫療保

Sun Life Hong Kong Limited

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Your premium

HK$1,766 /yr

age

Ward class

N/A (capped)

Coverage region

Worldwide

Deductible

N/A

Annual benefit limit

HK$420,000

Per-illness annual limit

—

Lifetime benefit limit

—

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	$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	35% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$80,000 per Policy Year
(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	$580 per visit, up to $3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments (l) 精神科治療	$30,000 per Policy Year
Cash Benefits
Day surgery cash benefit 日間手術現金保障	$1,000 per surgery
Event Benefits
Medical accident and incident extension benefit 因醫療疏忽導致身故或手術保障	Death benefit: $80,000; Surgical benefit: $80,000 per Policy Year
Compassionate death benefit 恩恤身故保障	$10,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$14,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$80,000 per Policy Year
(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
$580 per visit, up to $3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
(l) 精神科治療
$30,000 per Policy Year

Cash Benefits

Day surgery cash benefit
日間手術現金保障
$1,000 per surgery

Event Benefits

Medical accident and incident extension benefit
因醫療疏忽導致身故或手術保障
Death benefit: $80,000; Surgical benefit: $80,000 per Policy Year
Compassionate death benefit
恩恤身故保障
$10,000

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$2,485	HK$1,903
1	HK$2,485	HK$1,903
2	HK$2,485	HK$1,903
3	HK$2,485	HK$1,903
4	HK$2,279	HK$1,770
5	HK$2,073	HK$1,637
6	HK$1,867	HK$1,504
7	HK$1,661	HK$1,371
8	HK$1,456	HK$1,240
9	HK$1,456	HK$1,240
10	HK$1,456	HK$1,240
11	HK$1,456	HK$1,240
12	HK$1,456	HK$1,240
13	HK$1,456	HK$1,240
14	HK$1,456	HK$1,240
15	HK$1,456	HK$1,240
16	HK$1,437	HK$1,448
17	HK$1,437	HK$1,448
18	HK$1,437	HK$1,448
19	HK$1,437	HK$1,448
20	HK$1,437	HK$1,448
21	HK$1,450	HK$1,505
22	HK$1,463	HK$1,563
23	HK$1,476	HK$1,621
24	HK$1,489	HK$1,679
25	HK$1,502	HK$1,735
26	HK$1,550	HK$1,815
27	HK$1,601	HK$1,898
28	HK$1,655	HK$1,985
29	HK$1,709	HK$2,050
30	HK$1,766	HK$2,118
31	HK$1,814	HK$2,175
32	HK$1,863	HK$2,233
33	HK$1,913	HK$2,293
34	HK$1,964	HK$2,351
35	HK$2,058	HK$2,459
36	HK$2,114	HK$2,521
37	HK$2,170	HK$2,587
38	HK$2,229	HK$2,652
39	HK$2,289	HK$2,716
40	HK$2,351	HK$2,782
41	HK$2,467	HK$2,911
42	HK$2,589	HK$3,047
43	HK$2,716	HK$3,188
44	HK$2,849	HK$3,328
45	HK$2,990	HK$3,472
46	HK$3,137	HK$3,624
47	HK$3,292	HK$3,782
48	HK$3,454	HK$3,947
49	HK$3,624	HK$4,123
50	HK$3,802	HK$4,307
51	HK$3,994	HK$4,504
52	HK$4,193	HK$4,709
53	HK$4,404	HK$4,924
54	HK$4,625	HK$5,121
55	HK$4,905	HK$5,326
56	HK$5,101	HK$5,539
57	HK$5,356	HK$5,762
58	HK$5,625	HK$5,993
59	HK$5,907	HK$6,193
60	HK$6,204	HK$6,402
61	HK$6,494	HK$6,597
62	HK$6,798	HK$6,795
63	HK$7,118	HK$7,002
64	HK$7,450	HK$7,255
65	HK$7,799	HK$7,516
66	HK$8,165	HK$7,786
67	HK$8,548	HK$8,067
68	HK$8,948	HK$8,357
69	HK$9,367	HK$8,758
70	HK$9,806	HK$9,177
71	HK$10,298	HK$9,648
72	HK$10,817	HK$10,141
73	HK$11,359	HK$10,662
74	HK$11,931	HK$11,182
75	HK$12,655	HK$11,845
76	HK$13,291	HK$12,422
77	HK$13,960	HK$13,027
78	HK$14,659	HK$13,662
79	HK$15,396	HK$14,153
80	HK$16,170	HK$14,658
81	HK$16,576	HK$14,821
82	HK$16,992	HK$14,984
83	HK$17,417	HK$15,150
84	HK$17,855	HK$15,516
85	HK$18,303	HK$15,892
86	HK$18,762	HK$16,279
87	HK$19,234	HK$16,673
88	HK$19,716	HK$17,078
89	HK$20,211	HK$17,506
90	HK$20,718	HK$17,946
91	HK$21,179	HK$18,346
92	HK$21,653	HK$18,753
93	HK$22,135	HK$19,171
94	HK$22,628	HK$19,598
95	HK$23,132	HK$20,034
96	HK$23,649	HK$20,480
97	HK$24,176	HK$20,935
98	HK$24,714	HK$21,400
99	HK$25,266	HK$21,876

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.