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VHIS Flexi Plan (eligible to apply for tax deduction) - WeHealth Plus

WeHealth Plus

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: F00026-01-000-02), and WeHealth Plus Scheme 2 (“Scheme 2”, VHIS Certification Number: F00026-01-001-02), 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:

WeHealth Plus

Enjoy up to 2-month rebate for WeHealth Plus

From now to June 30, 2024

If you successfully apply for WeHealth Plus, you will be entitled up to 2-month premium rebate!


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


Catch the limited time offer for HK$100 gourmet voucher

By December 31, 2024,

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 gourmet voucher!

Meet up now

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

The following terms and conditions apply to the offers (“Offers”) during January 1, 2024 to December 31, 2024, both days inclusive (“Promotion Period”). By participating in the Offers, the participants understand and expressly agree to be bound by these terms and conditions.

a. The gourmet voucher is only available during the Promotion Period stated above. Participation outside the Promotion Period is not eligible.

b. The financial advisors and existing clients of Sun Life Hong Kong Limited (“Sun Life”) are not eligible.

c. Participants need to complete all aforementioned steps in order to participate (“Eligible participants”), (i) fill in form in Sun Life Hong Kong website; (ii) input “10life”promotion code in the promotion code field (only applicable to prospective clients of 10 Life campaign); and (iii) meet with designated advisor and complete eFNA.

d. The gourmet voucher is provided by On-us Group Holdings Ltd.; Sun Life is not the supplier of the gourmet voucher (“Gifts”). Any enquiry or complaint for the quality related to the redemption and use of the Gifts should be directed to the service provider. Sun Life shall assume no liability in respect thereof. The service provider is solely responsible for all service offered to participants.

e. No transfer, assignment, cash redemption or substitution of Gifts by participants is permitted. Sun Life, may at its sole discretion, reserves the right to substitute the Gifts (or part of the Gifts) with an alternative Gift with the equal monetary value and/or specification.

f.  The redemption and use of the Gifts shall be subject to the terms of conditions of the voucher / service provider.

g.  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 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.

h. Gifts will be given out in a first come, first served basis, maximum 5,000 Eligible participant can be entitled once only.

i.  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.

j.  Sun Life reserves the right to amend the above terms and conditions without prior notice. In case of any dispute arising from this Offers, the decision of Sun Life shall be final and conclusive.

k. These terms and conditions are governed by the laws of Hong Kong.


  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 Guaranteed Guaranteed
Renewal up to Renewal up to Renewal up to
age 1005 age 1005 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$1,000 HK$1,000
Supplementary medical benefit7 (per Policy Year)     HK$300,000
Subject to 20% Coinsurance
No claim discount8   15% 15%
(if no hospitalization claims over 3 consecutive Policy Years) (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.

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
WeHealth Plus - Scheme 2
HKDXXX / annual
• VHIS Certified Flexi Plan
• Provides supplementary medical benefit
• No Lifetime Benefit Limit
• HKD800k annual limit
SunHealth Medical Essential*
HKDXXX / annual
• Up to HKD10M annual limit
• Full hospitalization & surgical expenses coverage in Semi-Private Room in Asia

*A similar medical insurance product with quote is selected for your reference only. The above premium shown is based on the assumption that HKD80,000 Annual Deductible is selected for SunHealth Medical Essential. If you would like to learn more about the annual premium for other deductible options, please click here to learn more.

  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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