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

WeHealth Preferred

WeHealth Preferred is an individual indemnity Hospital insurance plan that offers solid and affordable medical coverage in a General Ward in Greater China1. The plan comes with 4 Deductible options2 as follows:

The qualifying premiums you pay for yourself and every dependent3 you insure under this plan could be applied for up to HKD8,000 tax deduction4 per Insured Person per fiscal year. For details, please visit the VHIS Overview page.


  1. Full cover5 on major medical expense in General Ward in Greater China with up to HKD20 million per life and HKD5 million per Policy Year, plus guaranteed lifetime Renewal6

  2. Extended support if you are unfortunately diagnosed with Designated Cancer7 as follows:
    • Full coverage on the Eligible Expense resulting from non-surgical cancer treatments
    • 36 months of Waiver of Premium upon a Designated Cancer diagnosis 
  3. Offering all-in-one solution from diagnosis to procedures/treatments to recovery and accompanying you throughout the treatment journey

  4. 4 different Deductible options to offer flexible protection to meet changing medical and financial needs during different life stages

  5. Comprehensive value-added Services8, including:

    • Medical Concerige Services
    • Second Medical Opinion Services
    • 24-Hour Service Hotline
    • Worldwide Emergency Assistance Benefits
    • Cashless arrangment9 during hospitalization

Limited Time Offer:

WeHealth Preferred

Enjoy 6-month rebate for WeHealth Preferred

From now to March 31, 2023

If you successfully apply for WeHealth Preferred, you will be entitled to 6-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 March 31, 2023,

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, 2023 to March 31, 2023, 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”).

d. The gourmet voucher is provided by Starbucks and ParknShop; 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 relevant service provider or other third parties. 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 2,000 Eligible participants, each is entitled to enjoy once.

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. 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 Medical Concierge Service, Second Medical Opinion Services, 24-Hour Service Hotline and Worldwide Emergency Assistance Benefit are provided by a third-party company, Inter Partner Assistance Hong Kong Limited. These services are not guaranteed to be renewable. Please refer to a sample endorsement, which will be provided upon request, for details including definitions, full terms and conditions, and exclusions
  9. Approval for this service is subject to the relevant terms and conditions and the acceptance of the Letter of Guarantee (LoG) by the designated Hospitals. The giving of the LoG or subsequent LoG from Sun Life or our designated medical service providers shall not be deemed as admission of our liability to pay and/or reimburse the Policy Holder under the Policy or a waiver of any breach of the Terms and Benefits of the Policy. Please refer to the Policy Holder User Guide for pre-approval procedures.

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 Network Hospital List for Medical Concierge and Cashless Arrangement

Download List of Designated Hospitals in Mainland China (Available in Chinese only)

Download sample of Certified Plan Terms and Benefits:


24-Hour Service Hotline: (852) 3183 2223

Worldwide Emergency Assistance Hotline: (852) 2862 0134

China Toll Free No. (except Hong Kong and Macau) (For WeHealth Preferred and WeHealth Prestige only): 4001 208 905

Get a Quote:

I am years old
Quote Result
HK$XXX / annual
Deductible free policy
Full major medical expenses coverage
Up to HKD5M annual limit
Deductible: HKD20,000
HKDXXX / annual
Deductible policy
Providing reimbursement from HKD20,000 onwards
Up to HKD5M annual limit
Deductible: HKD50,000
HKDXXX / annual
Deductible policy
Providing reimbursement from HKD50,000 onwards
Up to HKD5M annual limit
Deductible: HKD80,000
HKDXXX / annual
Deductible policy
Providing reimbursement from HKD80,000 onwards
Up to HKD5M annual limit
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.

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