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WeHealth Plus

VHIS Flexi Plan (Worldwide)

Worldwide VHIS medical protection with tax benefits for you and your loved ones

WeHealth Plus, designed especially for Hong Kong residents1, is a VHIS Certified Flexi Plan. It is an individual indemnity hospital insurance plan that offers comprehensive medical coverage for you and your family who is 15 days to age 80 to embrace greater health and financial security.

With no restriction in the choice of healthcare services providers for healthy-living journey, this plan also offers 2 flexible options – WeHealth Plus Scheme 1 (“Scheme 1”, VHIS Certification Number: F00026-01-000-03), and WeHealth Plus Scheme 2 (“Scheme 2”, VHIS Certification Number: F00026-01-001-03), allowing you to adjust the level of protection that best fits your financial plan.

The qualifying premiums you pay for yourself and every dependent2 you insure under this plan are eligible to tax deductions, up to a limit of HKD8,000 per Insured Person per fiscal year3. For details, please visit the VHIS Overview page.

Limited Time Offer:

Enjoy 2-month rebate for WeHealth Plus

From now to May 31, 2026

If you successfully apply for WeHealth Plus, you will be entitled 2-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

Highlights:

  1. Comprehensive worldwide medical coverage4 without Lifetime Benefit Limit
  2. Continued protection with guaranteed Renewal up to age 1005
  3. Encourage healthy living with No claim discount and Cardiac rehabilitation treatment benefit
  4. Extended care for critical illnesses and chronic diseases
  5. Added convenience with cash subsidy for Day Case Procedures
  6. 7x24 eClaims service for streamlined financial support
VHIS Plan Comparison Table WeHealth WeHealth Plus Scheme 1 WeHealth Plus Scheme 2
VHIS Plan Category Standard Plan Flexi Plan Flexi Plan
Annual Benefit Limit (per Policy Year) HK$420,000 HK$500,000 HK$800,000
Medical Coverage Worldwide4 Worldwide4 Worldwide4
Benefit Period Guaranteed Renewal up to age 1005 Guaranteed Renewal up to age 1005 Guaranteed Renewal up to age 1005
Lifetime Benefit Limit Nil Nil Nil
Benefit limit- General Ward6 (per day) HK$750 HK$1,000 No limit
Benefit limit- Semi-Private6 and/ or above6 (per day) HK$750 HK$1,100 HK$1,100
Supplementary Medical Benefit7 (per Policy Year)     HK$300,000
Subject to 20% Coinsurance
No claim discount8   15% (if no hospitalization claims over 3 consecutive Policy Years) 15% (if no hospitalization claims over 3 consecutive Policy Years)
Enhanced Benefits      
Home Nursing Benefit      
Kidney Dialysis Treatment Benefit      
Emergency Outpatient Treatment Benefit      
Cardiac Rehabilitation Treatment Benefit      
Extra Bed for Family Members Benefit      
 Post-Confinement / Day Case Procedure Chiropractor / Acupuncturist / Physiotherapist Treatment Benefit      
Issue Age 15 days – age 80 15 days – age 80 15 days – age 80
Premium Payment Term To age 100 To age 100 To age 100
Premium Payment Mode Annually/ Semi-Annually/ Monthly Annually/ Semi-Annually/ Monthly Annually/ Semi-Annually/ Monthly
  Contact Advisor Contact Advisor Contact Advisor

  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.
  3. Whether tax deduction is allowable for the qualified premiums paid under this Certified Plan are subject to the prevailing tax law of Hong Kong and 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 Hong Kong Limited does not provide tax advice and you should consult independent tax advisor for tax advice.
  4. Except psychiatric treatment.
  5. Subject to terms and benefits of the Certified Plan.
  6. For definition of room please refer to a sample Policy of Certified Plan.
  7. The covered benefit items under supplementary medical benefit include room and board (applicable to Semi-Private Room and/or above); miscellaneous charges; attending doctor’s visit fee; Specialist’s fee; intensive care; Surgeon’s fee; Anaesthetist’s fee; operating theatre charges; Prescribed Diagnostic Imaging Tests and psychiatric treatments under the Policy. In any case if the Insured Person is voluntarily Confined in a ward of higher class than General Ward, adjustment factor for ward upgrade will be applied. Please refer to a sample Policy of Certified Plan for details.
  8. For details of the entitlement and exemption of No claims discount, please refer to a sample Policy of Certified Plan.

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 conditions, 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 sample of Certified Plan Terms and Benefits:

  

Get a Quote:

I am years old
My gender is
Quote Result
WeHealth Plus - Scheme 1
HKDXXX / annual
• VHIS Certified Flexi Plan
• No Lifetime Benefit Limit
• HKD500k annual limit
Talk to Us
WeHealth Plus - Scheme 2
HKDXXX / annual
• VHIS Certified Flexi Plan
• Provides supplementary medical benefit
• No Lifetime Benefit Limit
• HKD800k annual limit
Talk to Us
Remarks:
  1. The above premiums shown do not include levy which is collected by the Insurance Authority.
  2. The above premiums shown are for reference only and are subject to change by Sun Life Hong Kong Limited from time to time without notice. They are not guaranteed and is expected to increase with age. It may be revised to reflect the medical inflation, experience, change in future expectation and benefit changes over time. Your actual premium paid is subject to underwriting and premium loading (if any).
  3. The above bullet points are product summary only, please refer to respective sample Policy document or Certified Plan, which will be provided upon request, for details including definitions, full terms and conditions and exclusions including key product risks.
  4. Click “Contact Advisor” and submit the e-form (below) means it is agreed that your personal information including age, gender, contact number and relevant quotation result generated from calculator will be used by Sun Life, and transferred to any of our financial advisors to contact/ follow up with you by email, telephone, SMS or any type of electronic message.

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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).