Voluntary Health Insurance Scheme (VHIS)

Tax‑deductible VHIS plans protecting you and your family for life.

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Sun Life Hong Kong Limited is a certified Voluntary Health Insurance Scheme ("VHIS") Provider (Registration number: 00018) of Health Bureau of the Government of the Hong Kong Special Administrative Region (“HKSAR"). We aim to offer clients a diversity of options in medical coverage for lifelong support and peace of mind.

WeHealth Prestige

VHIS
Featured

Benefit Term: Whole Life

  • VHIS Flexi Plan
  • Full cover on major medical expense in Asia
  • HKD10M Annual Limit

WeHealth Preferred

VHIS

Benefit Term: Whole Life

  • VHIS Flexi Plan
  • Full cover on major medical expense in Greater China
  • HKD5M Annual Limit

WeHealth Plus

VHIS

Benefit Term: To age 100

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

WeHealth

VHIS

Benefit Term: To age 100

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

eSun Pro

Value-added Services

Offer a one-stop health management solution that supports you from diagnosis through your entire recovery process. Services include, but are not limited to:

  • Medical Concierge Services
  • AdvicePro (Second medical opinion)
  • Cashless Arrangement Service

Sun Life Hong Kong offers VHIS Certified Plan as follows:

  • Standard Plan - WeHealth (VHIS Certification Number: S00018-01-000-02)
  • Flexi Plan 
    •  WeHealth Plus Scheme 1 (VHIS Certification Number: F00026-01-000-02) 
    •  WeHealth Plus Scheme 2 (VHIS Certification Number: F00026-01-001-02)
    •  WeHealth Preferred
      • HKD0 (VHIS Certification Number:  F00066-01-000-01)
      • HKD20,000 (VHIS Certification Number:  F00066-02-000-01)
      • HKD50,000 (VHIS Certification Number:  F00066-03-000-01)
      • HKD80,000 (VHIS Certification Number:  F00066-04-000-01)
    •  WeHealth Prestige
      • HKD0 (VHIS Certification Number:  F00063-01-000-01)
      • HKD20,000 (VHIS Certification Number:  F00063-02-000-01)
      • HKD50,000 (VHIS Certification Number:  F00063-03-000-01)
      • HKD80,000 (VHIS Certification Number:  F00063-04-000-01)

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 dependent1 under the VHIS Certified Plans are eligible for up to HKD8,000 tax deductions2 per Insured Person per fiscal year in Hong Kong. There is no upper limit on the number of insured dependents. As long as you are the Policy Holder, you could be eligible to apply for more tax deduction2 amount by protecting your whole family. This way, you can enjoy the medical cover for yourself and your loved ones, with the valuable tax deduction benefits.

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

Inclusion of value-added taxes and goods and services taxes as Eligible Expenses under VHIS Certified Plans

As informed by Health Bureau that, with respect of any Eligible Expenses under the VHIS Certified Plans incurred on or after February 17, 2022, Eligible Expenses shall include value-added taxes and goods and services taxes (“VAT and GST”) (if any) charged or imposed on the relevant medical expenses incurred, subject to the Terms and Benefits applicable in the relevant Certified Plans. The relevant Supplement will be sent to all policy holders concerned by February 17, 2022.

For any queries, please contact our Client Service Hotline at (852) 2103 8928.

Remarks:

  1. Dependent refers to “specified relative” as defined in the Inland Revenue Ordinance (Cap.112), subject to the then prevailing underwriting rules of Sun Life Hong Kong Limited (“Sun Life HK”). For meaning of “specified relative”, please refer to the website of the Inland Revenue Department.
  2. 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. Sun Life HK does not provide tax advice and you should consult an independent tax advisor for tax advice.

Eligibility for Application

  • (Proposed) Insured person's age must be from age 0 (at least 15 days) to age 80 (based on age last birthday)
  • Only single policy holder per policy is acceptable
  • Policy holder may be the insured person or a different individual, subject to the prevailing underwriting rules of Sun Life HK

Underwriting Arrangement

Application for a VHIS policy is subject to underwriting. Sun Life HK may offer standard rate, impose additional premium and/or apply case-based exclusion(s) or decline the application based on the following factors, material facts and information of the proposed insured person:

  • Occupation classes
  • Place(s) of residence
  • Medical history, conditions and evidence, etc.

Frequently Asked Questions

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.  To learn more, please contact our advisor or our Client Service Hotline at (852) 2103 8928.

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.

Note: The above information is a product summary for reference only, please contact your Advisor for details. Please refer to the respective product brochure and Policy Document for details including definitions, full terms and conditions, ,and exclusions including product risks. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.

offer

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

By Jun 30, 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 January 1, 2026 to June 30, 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).

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