Well Protect Voluntary Health Insurance Scheme (Standard)

立安心自願醫保標準計劃

Well Link Life Insurance Company Limited

Well Protect Voluntary Health Insurance Scheme (Standard) is a VHIS Standard plan offered by Well Link Life Insurance Company Limited, with ward class N/A (capped), Worldwide coverage and HK$420,000 annual benefit limit. Latest plan-document version: Oct 30, 2020.

01 · Plan at a glanceQuote a premium by age, gender and smoking status

Your premium

HK$1,956 /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, $3,000 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
Event Benefits
Compassionate death benefit 恩恤身故賠償	$10,000 per Policy

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, $3,000 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

Event Benefits

Compassionate death benefit
恩恤身故賠償
$10,000 per Policy

Premium Schedule

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

Age	Male	Female
0	HK$2,487	HK$2,176
1	HK$2,487	HK$2,176
2	HK$2,487	HK$2,176
3	HK$2,487	HK$2,176
4	HK$2,487	HK$2,176
5	HK$1,723	HK$1,624
6	HK$1,709	HK$1,624
7	HK$1,695	HK$1,624
8	HK$1,682	HK$1,624
9	HK$1,668	HK$1,624
10	HK$1,654	HK$1,624
11	HK$1,640	HK$1,624
12	HK$1,627	HK$1,624
13	HK$1,613	HK$1,624
14	HK$1,599	HK$1,624
15	HK$1,585	HK$1,624
16	HK$1,572	HK$1,624
17	HK$1,558	HK$1,624
18	HK$1,553	HK$1,624
19	HK$1,553	HK$1,624
20	HK$1,553	HK$1,624
21	HK$1,576	HK$1,694
22	HK$1,605	HK$1,764
23	HK$1,637	HK$1,834
24	HK$1,669	HK$1,904
25	HK$1,703	HK$1,974
26	HK$1,754	HK$2,043
27	HK$1,807	HK$2,113
28	HK$1,861	HK$2,183
29	HK$1,907	HK$2,253
30	HK$1,956	HK$2,323
31	HK$2,003	HK$2,430
32	HK$2,051	HK$2,542
33	HK$2,083	HK$2,659
34	HK$2,114	HK$2,781
35	HK$2,170	HK$2,909
36	HK$2,260	HK$3,043
37	HK$2,343	HK$3,183
38	HK$2,466	HK$3,329
39	HK$2,554	HK$3,482
40	HK$2,661	HK$3,642
41	HK$2,816	HK$3,810
42	HK$2,993	HK$3,985
43	HK$3,144	HK$4,169
44	HK$3,288	HK$4,334
45	HK$3,445	HK$4,426
46	HK$3,553	HK$4,521
47	HK$3,668	HK$4,627
48	HK$3,783	HK$4,719
49	HK$3,910	HK$4,799
50	HK$4,111	HK$4,883
51	HK$4,375	HK$5,064
52	HK$4,643	HK$5,251
53	HK$4,929	HK$5,445
54	HK$5,181	HK$5,647
55	HK$5,447	HK$5,856
56	HK$5,747	HK$6,072
57	HK$6,063	HK$6,297
58	HK$6,396	HK$6,510
59	HK$6,780	HK$6,765
60	HK$7,221	HK$7,022
61	HK$7,618	HK$7,282
62	HK$8,006	HK$7,551
63	HK$8,399	HK$7,831
64	HK$8,793	HK$8,121
65	HK$9,193	HK$8,434
66	HK$9,653	HK$8,940
67	HK$10,135	HK$9,476
68	HK$10,693	HK$10,045
69	HK$11,281	HK$10,648
70	HK$11,901	HK$11,287
71	HK$12,692	HK$11,964
72	HK$13,187	HK$12,622
73	HK$13,701	HK$13,253
74	HK$14,236	HK$13,849
75	HK$14,791	HK$14,472
76	HK$15,368	HK$15,124
77	HK$15,967	HK$15,804
78	HK$16,590	HK$16,516
79	HK$17,237	HK$17,143
80	HK$17,971	HK$17,789
81	HK$18,754	HK$18,553
82	HK$19,544	HK$19,348
83	HK$20,373	HK$20,165
84	HK$21,243	HK$21,019
85	HK$22,142	HK$21,893
86	HK$22,510	HK$22,291
87	HK$22,891	HK$22,649
88	HK$23,253	HK$23,023
89	HK$23,645	HK$23,397
90	HK$24,031	HK$23,772
91	HK$24,417	HK$24,152
92	HK$24,791	HK$24,538
93	HK$25,177	HK$24,941
94	HK$25,580	HK$25,315
95	HK$25,972	HK$25,695
96	HK$26,375	HK$26,098
97	HK$26,796	HK$26,473
98	HK$27,221	HK$26,870
99	HK$27,625	HK$27,291

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
Last verified: 2026-04-17