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Well Protect Voluntary Health Insurance Scheme (Flexi) - Ward

立安心自願醫保靈活計劃 - 普通房

Well Link Life Insurance Company Limited

Well Protect Voluntary Health Insurance Scheme (Flexi) - Ward is a VHIS Flexi plan offered by Well Link Life Insurance Company Limited, with basic and extra: No ward-class restriction; SMM: Ward, Worldwide (including United States) coverage and HK$600,000 annual benefit limit. Latest plan-document version: Oct 30, 2020.

VHIS FlexiF00042-01-000-02

Plan at a glance

Ward class: Basic and extra: No ward-class restriction; SMM: Ward
Coverage region: Worldwide (including United States)
Deductible: —
Annual benefit limit: HK$600,000
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	$1,000 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	$800 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, $4,500 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure 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
Extra Benefits
Emergency outpatient treatment for Accident 緊急意外門診治療	$7,000 per Policy Year within 24 hours of the Accident
Home nursing 住院後居家看護	$550 per visit• 1 per day, within the post-discharge window• Maximum 30 visits per Policy Year
Outpatient kidney dialysis 門診洗腎	$50,000 per Policy Year
Post-Confinement / Day Case Procedure auxiliary therapy 入院前或出院後/日間手術前後的門診護理	Under basic benefit (k), within 90 days after discharge from Hospital or completion of Day Case Procedure
Pre- and post-Confinement / Day Case Procedure outpatient care (top-up)SMM topup 手術前後的門診護理	Excess Eligible Expenses for follow-up outpatient visits within the specified visit-range × reimbursement ratio, capped at $580 per visit
Cash Benefits
Day surgery cash benefit 日間手術現金保障	$500 per Day Case Procedure
Second-claim cash allowanceAfter other pays 優化津貼賠償	$600 per day, maximum 90 days per Policy Year
Event Benefits
Compassionate death benefit 恩恤身故賠償	$15,000 per policy
Medical accident and incident extension benefit 醫療疏忽事故賠償	$100,000 per policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,000 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
$800 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, $4,500 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure 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

Extra Benefits

Emergency outpatient treatment for Accident
緊急意外門診治療
$7,000 per Policy Year within 24 hours of the Accident
Home nursing
住院後居家看護
$550 per visit• 1 per day, within the post-discharge window• Maximum 30 visits per Policy Year
Outpatient kidney dialysis
門診洗腎
$50,000 per Policy Year
Post-Confinement / Day Case Procedure auxiliary therapy
入院前或出院後/日間手術前後的門診護理
Under basic benefit (k), within 90 days after discharge from Hospital or completion of Day Case Procedure
Pre- and post-Confinement / Day Case Procedure outpatient care (top-up)SMM topup
手術前後的門診護理
Excess Eligible Expenses for follow-up outpatient visits within the specified visit-range × reimbursement ratio, capped at $580 per visit

Cash Benefits

Day surgery cash benefit
日間手術現金保障
$500 per Day Case Procedure
Second-claim cash allowanceAfter other pays
優化津貼賠償
$600 per day, maximum 90 days per Policy Year

Event Benefits

Compassionate death benefit
恩恤身故賠償
$15,000 per policy
Medical accident and incident extension benefit
醫療疏忽事故賠償
$100,000 per policy

Premium Schedule

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

Age	Male	Female
0	HK$4,031	HK$3,507
1	HK$4,031	HK$3,507
2	HK$4,031	HK$3,507
3	HK$4,031	HK$3,507
4	HK$4,031	HK$3,507
5	HK$2,914	HK$2,796
6	HK$2,886	HK$2,796
7	HK$2,858	HK$2,796
8	HK$2,831	HK$2,796
9	HK$2,803	HK$2,796
10	HK$2,775	HK$2,796
11	HK$2,747	HK$2,796
12	HK$2,720	HK$2,796
13	HK$2,692	HK$2,796
14	HK$2,664	HK$2,796
15	HK$2,636	HK$2,796
16	HK$2,609	HK$2,796
17	HK$2,581	HK$2,796
18	HK$2,553	HK$2,796
19	HK$2,599	HK$2,796
20	HK$2,645	HK$2,796
21	HK$2,693	HK$2,880
22	HK$2,741	HK$2,966
23	HK$2,790	HK$3,055
24	HK$2,841	HK$3,153
25	HK$2,892	HK$3,263
26	HK$2,944	HK$3,381
27	HK$2,997	HK$3,509
28	HK$3,051	HK$3,643
29	HK$3,106	HK$3,781
30	HK$3,168	HK$3,925
31	HK$3,263	HK$4,074
32	HK$3,377	HK$4,229
33	HK$3,500	HK$4,457
34	HK$3,654	HK$4,683
35	HK$3,814	HK$4,899
36	HK$3,982	HK$5,104
37	HK$4,158	HK$5,303
38	HK$4,353	HK$5,484
39	HK$4,571	HK$5,679
40	HK$4,799	HK$6,128
41	HK$5,021	HK$6,465
42	HK$5,279	HK$6,827
43	HK$5,474	HK$6,960
44	HK$5,616	HK$7,108
45	HK$5,762	HK$7,257
46	HK$5,912	HK$7,414
47	HK$6,076	HK$7,588
48	HK$6,282	HK$7,739
49	HK$6,494	HK$7,871
50	HK$6,711	HK$8,007
51	HK$6,943	HK$8,167
52	HK$7,260	HK$8,330
53	HK$7,588	HK$8,497
54	HK$7,936	HK$8,667
55	HK$8,310	HK$8,840
56	HK$8,899	HK$9,150
57	HK$9,404	HK$9,470
58	HK$9,899	HK$9,801
59	HK$10,425	HK$10,201
60	HK$11,049	HK$10,813
61	HK$11,512	HK$11,462
62	HK$12,285	HK$12,149
63	HK$12,927	HK$12,757
64	HK$13,635	HK$13,331
65	HK$14,284	HK$13,831
66	HK$15,141	HK$14,384
67	HK$16,125	HK$15,103
68	HK$17,286	HK$16,010
69	HK$18,496	HK$16,970
70	HK$19,791	HK$17,988
71	HK$20,814	HK$19,068
72	HK$21,589	HK$20,212
73	HK$22,363	HK$21,222
74	HK$23,138	HK$22,284
75	HK$23,912	HK$23,398
76	HK$24,814	HK$24,568
77	HK$26,054	HK$25,796
78	HK$27,357	HK$27,086
79	HK$28,724	HK$28,440
80	HK$29,443	HK$29,129
81	HK$30,528	HK$30,031
82	HK$31,651	HK$30,928
83	HK$32,808	HK$31,850
84	HK$34,018	HK$32,815
85	HK$35,698	HK$34,468
86	HK$36,571	HK$35,319
87	HK$37,445	HK$36,153
88	HK$38,304	HK$37,034
89	HK$39,211	HK$37,900
90	HK$40,085	HK$38,771
91	HK$40,642	HK$39,310
92	HK$41,194	HK$39,844
93	HK$41,760	HK$40,383
94	HK$42,312	HK$40,943
95	HK$42,898	HK$41,488
96	HK$43,450	HK$42,032
97	HK$44,064	HK$42,602
98	HK$44,635	HK$43,146
99	HK$45,226	HK$43,711

How to apply for this plan

This plan is offered by Well Link Life Insurance Company Limited. To apply, contact Well Link Life Insurance Company Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
Benefit schedule PDF Premium table PDF

This site's licensed insurance agent can only arrange FWD plans.

Other deductible options in this series

3 deductibles — same benefit schedule, premium scales with deductible

Ward

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Semi-Private

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Standard Private

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Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Oct 30, 2020
Plan data updated: 2026-04-25

Well Protect Voluntary Health Insurance Scheme (Flexi) - Ward

Plan at a glance

Benefits

Premium Schedule

How to apply for this plan

Other deductible options in this series

Terms & Disclaimer / 使用條款及免責聲明

Full terms and disclaimer

1. Applicable Region / 適用地域

2. Purpose / 用途

3. Data Source & Accuracy / 資料來源及準確性

4. Reimbursement Calculator / 賠償試算工具

5. Case-Study Costs / 案例費用

6. Risk & Liability / 風險及責任

7. Consent / 同意條款