Voluntary Health Insurance Scheme

Your greatest fortune in life is good health and peace of mind. To protect both, it’s essential to have a plan that can support each step of your recovery journey, from generous coverage to quick claims, giving you the flexibility to choose private healthcare if public hospitals cannot meet your needs.


Founded in Canada, Sun Life Hong Kong Limited has been providing quality services and helping you to achieve life’s dream for over hundred years. Effective from February 28, 2019, Sun Life Hong Kong Limited successfully registered as a certified Voluntary Health Insurance Scheme ("VHIS") Provider (Registration number: 00018) of Food and Health Bureau of the Government of the Hong Kong Special Administrative Region (“HKSAR"). We aim to offer Hong Kong residents1 a diversity of options in medical coverage for lifelong support and peace of mind.


Sun Life offers VHIS Certified Plan as follows:

It is voluntary for you to apply for a VHIS and you can apply for tax deduction on the qualifying premium paid on VHIS. For details, please refer to HKSAR Government Voluntary Health Insurance Scheme’s website.


Tax deduction under VHIS

The qualifying premiums you pay for yourself and every insured dependent2 under WeHealth and WeHealth Plus are eligible to tax deductions, up to a limit of HKD8,000 per Insured Person per year. You can claim tax deductions for as many insured dependents as you like, as long as you are the VHIS Policy Holder. There is no cap on the number of dependent(s) that are eligible for tax deduction. This way, you can protect all your loved ones, while enjoying valuable tax benefits.

Visit HKSAR Government Voluntary Health Insurance Scheme’s website or Cap. 112 Inland Revenue Ordinance of Hong Kong Legislation to learn more.


1 Including holders of Hong Kong Identity Card and children who are Hong Kong residents and under the age of 11.
2 Dependent refers to “specified relative” defined in the Inland Revenue Ordinance (Cap. 112), subject to the then prevailing underwriting and administrative rules of Sun Life Hong Kong Limited. For meaning of “specified relative”, please refer to the website of the Inland Revenue Department.

VHIS Certified Plans

WeHealth Plus

WeHealth Plus

Benefit Term: To age 100

  • VHIS Flexi Plan
  • No Lifetime Benefit Limit
  • Up to HKD800K Annual Limit
WeHealth Plus


Benefit Term: To age 100

  • VHIS Standard Plan
  • No Lifetime Benefit Limit
  • HKD420K Annual Limit

Learn more about other Medical & Critical Illness insurance

The above information is a product summary for reference only, please contact your Advisor for details. Please refer to the respective product brochure and sample Certified Plan for details including definitions, full Terms and Benefits, and exclusions including product risks. If there is any conflict between the Certified Plan and this product summary, the Certified Plan shall prevail.

The risk assessment is based on the medical, financial, residential, occupation and avocation conditions of the Insured Person and such details are collected through the submission of Application Form. We accept only one Policy Holder in each Policy. Visit Application Form for Voluntary Health Insurance Scheme to learn more.

All policy owners of SunHealth Medical Care, SunHealth Medical Fit, SunHealth Medical Premier, SunHealth Medical Essential and Bright Superb Health (applicable to both standalone and rider plans) are eligible to migrate their in-force policies (as of March 31, 2019) to WeHealth / WeHealth Plus (VHIS Certified Plan) from May 2, 2019. Visit Migration Guide to learn more.

Download and complete “Transfer of Policy Ownership” form. And return the form to us with the requirement(s) as specified on the form within 30 days after signing. Please read the notes and declaration throughout the form carefully before signing.

You may file your concerns in person, via hotline or by email. Please click here for details. Whatever is the nature of your concern, we'll treat it professionally, confidentially and courteously – just as you expect and deserve as a valued client.

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