WeHealth Preferred

WeHealth Preferred

VHIS Flexi Plan (Greater China)

Affordable major medical coverage across Greater China

Wouldn’t it be great to protect your health with greater confidence?

WeHealth Preferred is a VHIS Certified Flexi Plan that provides comprehensive medical coverage at General Wards in Greater China hospitals, helping you manage major medical expenses with confidence. With full cover for selected major medical expenses (including support for cancer care and recovery), and guaranteed lifetime renewal, WeHealth Preferred helps you focus on getting better wherever you are in Greater China. Think of it as your healthcare safety net, ready to support you through diagnosis, treatment and recovery whenever life takes an unexpected turn.

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Key benefits 

Medical Protection Designed for Life in Greater China

  • Full cover for selected major medical expenses, such as designated Prescribed Diagnostic Imaging Tests and extra bed for family members benefit
  • Up to HKD5M annual benefit limit
  • Up to HKD20M lifetime benefit limit

Flexible Medical Coverage in Greater China and Worldwide Emergencies

  • Non-emergency treatment coverage in Greater China
  • Worldwide emergency medical coverage available
  • Coverage in general ward with affordable price

Financial peace of mind

  • Enjoy tax benefits
  • Guaranteed renewal for life
  • Peace of mind regardless of any change in your health condition

Strong Cancer Support when you need it most

  • Full cover for eligible non-surgical cancer treatments
  • 36-month premium waiver after designated cancer diagnosis
  • One complimentary Comprehensive Genomic Profiling upon diagnosis of a solid tumour, up to one time per policy

Flexible protection options to suit your needs

  •  Choose from 4 levels of deductibles
  • Adjust your deductibles upon each Policy Renewal, subject to designated requirements

Convenient services to help you make a speedy recovery

  • Access a quality medical network for doctor referral
  • Hassle-free hospital admission, claimable amount estimate and cashless arrangement service

Real-life impact

Limited Time Offer:

Enjoy 6-month rebate for WeHealth Preferred

From now until December 31, 2026

If you successfully apply for WeHealth Preferred, you will be entitled 6-month premium rebate!

The offer is subject to terms and conditions. Details please download and refer to the promotion leaflet.

Download promotion leaflet

Talk to our Advisor

Limited offer

offer

Catch the limited time offer for HK$100 Starbucks e-voucher

By Dec 31, 2026

  1. Meet with one of our appointed advisors after submitting the enquiry form below and
  2. Complete the eFNA

You will have the chance to receive a HK$100 Starbucks e-voucher!

*Offer is subject to terms and conditions. First come, first served basis is applied.

Talk to our Advisor

The following terms and conditions apply to the offers (“Offers”) from Jan 1, 2026 to Dec 31, 2026, both days inclusive (“Promotion Period”). By participating in the Offers, the participants understand and expressly agree to be bound by these terms and conditions. The gourmet voucher is only available during the Promotion Period stated above. Participation outside the Promotion Period is not eligible.

  1. The financial advisors and existing clients of Sun Life Hong Kong Limited (“Sun Life”) are not eligible.
  2. Participants need to complete all the following steps in order to participate (“Eligible Participants”),
    1. fill in the form on Sun Life website; and
    2. meet with the designated advisor and complete the eFNA.
  3. The submission time and status (successful or otherwise) will be based on the records kept by Sun Life . This offer will close after the Promotion Period.
  4. Each mobile phone number and email address can only be submitted once. Any repeated submission will be considered invalid.
  5. The gourmet voucher is provided by On-us Group Holdings Ltd.(“Supplier”); Sun Life is not the supplier of the gourmet voucher (“Gifts”) and shall assume no responsibility and liability in respect of the Gifts.  Any enquiry or complaint for the quality related to the redemption and use of the Gifts should be directed to the service provider. The Supplier is solely responsible for all goods and services offered to Eligible Participants. Any disputes arising from the Gifts shall be resolved by the Eligible Participants and the Supplier directly. In respect of the Gifts and their related products and services, no warranty is expressed or implied. Sun Life specifically disclaims the implied warranties of merchantability and fitness for a particular purpose. 
    1. The redemption and use of the Gifts shall be subject to the terms and conditions of the Supplier 6.
    2. Sun Life will send an SMS or email to the mobile phone number or email address provided by the Eligible Participant for Gift redemption within one month after the Eligible Participant has completed all steps in Clause 2 above. There will be a hyperlink in the SMS or email and by clicking such hyperlink, Eligible Participant will be directed to a webpage maintained by On-us Group Holding Ltd to get the redemption code on the webpage. Eligible Participants shall follow the procedures stated on the webpage and redeem the Gifts from the Supplier before the expiry date as stated on the webpage.
    3. Sun Life is not responsible for verifying the mobile phone number submitted by Eligible Participants for participating in the Campaign. Should there be any mis-delivery of SMS or email notification resulting from inaccurate / incorrect information submitted by the Eligible Participants, Sun Life will not re-issue the hyperlink.
    4. No transfer, assignment, cash redemption or substitution of Gifts by participants is permitted. Sun Life, may at its sole discretion, reserve the right to substitute the Gifts (or part of the Gifts) with an alternative Gift with the equal monetary value and/or specification.
    5. Gifts will be given out on a first come, first served basis. Eligible Participant can be entitled once only.
    6. Eligible Participants will be contacted by email or SMS for gourmet voucher redemption within one month after participation upon the completion of all aforementioned steps.
  6. The redemption and use of the Gifts shall be subject to the terms and conditions of the voucher / service provider. In the event of repeated or inappropriate use of the Gifts by the Client during Promotion Period, Sun Life reserves the right to cancel the Gift without any prior notice .
  7. If the data provided by Eligible Participant is found to be incomplete, untrue, fraudulent, inconsistent, falsified, illegal, deceptive, improper or there is any abusive usage of the Gifts or any violation of terms and conditions of the Gifts or integrity for obtaining this voucher, Sun Life reserves the right to cancel the Gift without any prior notice.
  8. If for any reason the Offers are not capable of running as planned, due to an event of force majeure or any other cause outside Sun Life’s reasonable control, Sun Life reserves the right, at its sole discretion, to cancel, terminate, modify, or suspend the Offers or relevant events without prior notice.
  9. Sun Life reserves the right to amend, suspend or cancel the Coupons and amend these terms and conditions at any time without prior notice. In the event of disputes on the Gifts, the decision of Sun Life shall be final and conclusive.
  10. Sun Life Hong Kong Limited is incorporated in Bermuda with limited liability.
  11. These terms and conditions shall be governed by and construed in accordance with the laws of Hong Kong. Any dispute arising under these terms and conditions shall be subject to the exclusive jurisdiction of the courts of Hong Kong.
  12. A person who is not a party to these terms and conditions may not enforce any of their provisions under the Contracts (Rights of Third Parties) Ordinance (Cap.623 of the Laws of Hong Kong).

  1. Greater China shall mean Hong Kong, Macau, mainland China and Taiwan.
  2. The Deductible option can be adjusted upon each Policy Renewal and fulfilling designated requirements.
  3. Dependent refers to “specified relative” as defined in the Inland Revenue Ordinance (Cap.112), subject to the then prevailing underwriting and administrative rules of Sun Life Hong Kong Limited (the “Company” or “Sun Life”). For meaning of “specified relative”, please refer to the website of the Inland Revenue Department.
  4. Whether tax deduction is allowable for the qualified premiums paid under this Certified Plan are subject to the prevailing tax laws of Hong Kong, as well as the individual circumstances of the Policy Holder (as taxpayer) and the Insured Person(s). Please refer to the website of the Inland Revenue Department and the Inland Revenue Ordinance (Cap.112) for details. The Company does not provide tax advice and you should consult an independent tax advisor for tax advice.
  5. Full cover shall mean no itemized benefit sublimit the actual amount of Eligible Expenses and other expenses charged after deducting the remaining Deductible (if any) and is subject to the Annual Benefit Limit and Lifetime Benefit Limit. Full cover applies to selected benefit items only, while other benefit items are not fully reimbursable and subject to the respective benefit item’s limits. Please refer to the Benefit Schedule and Terms and Benefits of this Certified Plan.
  6. The Renewal of this policy is guaranteed provided this plan is continually offered by Sun Life. The plan will remain Renewable as long as Sun Life maintains its registered status as a VHIS provider. For details, please refer to the Terms and Benefits of this Certified Plan.
  7. Diagnosis of cancer should be confirmed by Registered Medical Practitioner and biopsy report is required
  8. The Value-added Services are provided by third-party service provider,  are not guaranteed, and may be changed, suspended or terminated from time to time. Please refer to Quick Guide to Sun Life Value-added Services for more details. Sun Life are not responsible for any act, negligence or failure to act on the part of the designated third-party service provider. Sun Life will not be liable for any loss or damage, costs or other expenses whatsoever and howsoever, directly or indirectly, caused by, arising from or in connection with the services.
  9. You may need to settle your Deductible and the shortfall of your medical bill. Please refer to the Quick Guide to Sun Life Value-added Services for details.
  10. Comprehensive Genomic Profiling can be redeemed once per Policy only for each Insured Person.

The above information is a product summary only and does not contain the full Terms and Benefits of the Policy, please contact your Advisor for details. You should not buy any products solely based on the key product information summarised above, please refer to the product brochure and sample Certified Plan for details including definitions, full Terms and Benefits, and exclusions including key product risks. If there is any conflict between the Certified Plan and this product summary, the Certified Plan shall prevail.

Download brochure (with Glossary of Terminology and Standard Premium schedule)

Download List of Network Hospitals with Cashless arrangement

Download List of Mainland China VIP Hospital Network

Download List of designated hospitals in mainland China (Available in Chinese only)

Download sample of Certified Plan Terms and Benefits:

Download Supplement of Inclusion of public hospitals and private hospitals in Hong Kong in the definition of Hospital.

 

24-Hour Service Hotline for Value-added Services: (852) 3002 0816

Worldwide Emergency Assistance Hotline: (852) 2862 0134

China Toll Free No.: 400 616 0151

Get a Quote:

I am years old
Quote Result
Deductible:
HKD0
HK$XXX / annual
Deductible free policy
Full major medical expenses coverage
Up to HKD5M annual limit
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Deductible:
HKD20,000
HKDXXX / annual
Deductible policy
Providing reimbursement from HKD20,000 onwards
Up to HKD5M annual limit
Talk to Us
Deductible:
HKD50,000
HKDXXX / annual
Deductible policy
Providing reimbursement from HKD50,000 onwards
Up to HKD5M annual limit
Talk to Us
Deductible:
HKD80,000
HKDXXX / annual
Deductible policy
Providing reimbursement from HKD80,000 onwards
Up to HKD5M annual limit
Talk to Us
Remark:
The above information is a product summary only, and the indicated premium is for illustration purpose only, please contact your Advisor for details. Please refer to a sample Policy Document, which will be provided upon request, for details including definitions, full terms and conditions, and exclusions. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.

Frequently asked questions

1. What is VHIS?

VHIS stands for the Voluntary Health Insurance Scheme, a government-regulated scheme implemented by the Hong Kong Health Bureau. It aims to enhance consumer protection and provide individuals with access to certified hospital insurance plans that meet prescribed minimum standards.

2. Can I enjoy tax benefits?

Qualifying premiums may be eligible for tax deduction of up to HKD8,000 per insured person per fiscal year in Hong Kong, depending on current tax laws. To learn more, you may refer to
https://www.ird.gov.hk/eng/faq/vhis_qp.html.

3. What is WeHealth Preferred?

It is a VHIS Certified Flexi Plan that provides comprehensive medical coverage in Greater China, including Hong Kong, Macau, mainland China and Taiwan.

4. Where am I covered?

The plan covers non-emergency treatments in Greater China and emergency treatments worldwide, subject to policy terms.

5. Will my coverage continue as I age?

Yes. Your plan comes with guaranteed lifelong renewal, so you can keep your coverage regardless of changes in your health.

6. Are there any benefit limits under the plan?

The plan offers up to HKD5 million annual benefit limit and up to HKD20 million lifetime benefit limit.

7. Does the plan cover cancer treatment?

Yes. Eligible non-surgical cancer treatments, including chemotherapy, targeted therapy, immunotherapy and hormonal therapy, are covered according to policy terms.

8. What happens if I am diagnosed with a designated cancer?

You may receive a waiver of premiums for the next 36 months, subject to policy terms and conditions.

9. Does it cover mental health support?

WeHealth Preferred provides coverage for psychiatric treatments in Hong Kong hospitals to help care for your mental wellbeing.

10.  Are there different deductible choices?

Yes. You can choose HKD0, HKD20,000, HKD50,000 or HKD80,000 deductible options

Note: If there's a difference between what's on this page and the insurance policy, the policy is what counts.