A woman doing yoga in front of HK harbour view

WeHealth Prestige

High-end VHIS Flexi Plan

Full Medical Reimbursement in Semi-Private Rooms.

Seeking a comprehensive medical solution to cover rising medical cost and new treatments?

WeHealth Prestige provides full reimbursement of up to HKD 10 million annually to cover your medical expenses for expert treatment in semi-private hospital rooms, so you don’t need to worry about medical bills. With guaranteed lifetime renewal, you can continue the coverage even if your health changes. As a certified Voluntary Health Insurance Scheme (VHIS) plan, you may be eligible for tax deductions of up to HKD 8,000 per year, helping you save on taxes while protecting your loved ones. Start planning today for genuine peace of mind in healthcare.

Download brochure

Key benefits

Comprehensive Asia-wide coverage

  • Lifetime coverage of up to HKD40 million
  • Annual coverage of up to HKD10 million per Policy Year
  • Full coverage for major medical expenses in a semi-private room

Financial peace of mind

  • Enjoy tax benefits
  • Guaranteed renewal for life
  • Peace of mind regardless of any change in your health condition

Enhanced cancer support

  • Complete coverage for non-surgical treatments
  • No premiums for 3 years after diagnosis of designated cancers
  • Personalized cancer care planning with free second medical opinion and Comprehensive Genomic Profiling

All-round recovery support

  • Outpatient Care before and after hospital stays (including day case procedures)
  • Coverage for a private nurse, home nurse and rehabilitation
  • Chinese medicine practitioner outpatient care benefit

Flexible protection options

  • Choose from 4 levels of deductibles
  • Adjust your deductibles as your life changes

Value-added services

  • Access a quality medical network for doctor referral
  • Hassle-free hospital admission and cashless arrangement
  • Worldwide emergency assistance

Real-life impact

Limited Time Offer:

Enjoy 6-month premium rebate for WeHealth Prestige

From now to May 31, 2026

If you successfully apply for WeHealth Prestige, you will be entitled 6-month premium rebate!

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

Talk to an Advisor

Learn More
offer

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

By Apr 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!

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”) from January 1, 2026 to April 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).

  1. Asia shall mean Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, and Vietnam.
  2. 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 (“Sun Life”). 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 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 does not provide tax advice and you should consult an independent tax advisor for tax advice.
  4. 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.
  5. 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.
  6. Diagnosis of cancer should be confirmed by Registered Medical Practitioner and biopsy report is required.
  7. Please refer to the Terms and Benefits of the Certified Plan regarding definitions of designated critical illnesses.
  8. The Deductible option can be adjusted upon each Policy Renewal and fulfilling designated requirements.
  9. The Value-added Services are provided by third-party service provider and are not guaranteed to be renewable. Please refer to Quick Guide to Sun Life Value-added Services for more details. Sun Life are not responsible for any act, negligence or failure to act on the part of the designated third-party service provider. Sun Life will not be liable for any loss or damage, costs or other expenses whatsoever and howsoever, directly or indirectly, caused by, arising from or in connection with the services.
  10. You may need to settle your Deductible and the shortfall of your medical bill. Please refer to the Quick Guide to Sun Life Value-added Services for details.
  11. Comprehensive Genomic Profiling can be redeemed once per Policy only for each Insured Person.

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 List of Network Hospitals with Cashless arrangement

Download List of Mainland China VIP Hospital Network

Download List of designated hospitals in mainland China (Available in Chinese only)

Download sample of Certified Plan Terms and Benefits:

Download Supplement of Inclusion of public hospitals and private hospitals in Hong Kong in the definition of Hospital.

24-Hour Service Hotline for Value-added Services: (852) 3002 0816

Worldwide Emergency Assistance Hotline: (852)2862 0134

China Toll Free No.: 400 616 0151

Get a Quote:

I am years old
Quote Result
Deductible:
HKD0
HK$XXX / annual
Deductible free policy
Full major medical expenses coverage
Up to HKD10M annual limit
Talk to Us
Deductible: HKD20,000
HKDXXX / annual
Deductible policy
Providing reimbursement from HKD20,000 onwards
Up to HKD10M annual limit
Talk to Us
Deductible: HKD50,000
HKDXXX / annual
Deductible policy
Providing reimbursement from HKD50,000 onwards
Up to HKD10M annual limit
Talk to Us
Deductible: HKD80,000
HKDXXX / annual
Deductible policy
Providing reimbursement from HKD80,000 onwards
Up to HKD10M annual limit
Talk to Us
Remark:
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.

Your questions answered

1. What is WeHealth Prestige?

It's a comprehensive Asia-wide medical insurance plan that reimburses your medical expenses and is certified by the government's Voluntary Health Insurance Scheme in Hong Kong.

2. What medical expenses does it cover?

It provides comprehensive medical expense reimbursement, ranging from hospital stays to cancer care, with coverage on key benefit items.

3. Is there a limit on the coverage?

Yes, up to HKD40 million over your lifetime and HKD10 million per Policy Year.

4. Can I keep the plan as I get older?

Absolutely. We guarantee to renew your plan for life, no matter how your health changes.

5. Does the plan cover any unknown health issues that may exist before I take out the plan?

WeHealth Prestige covers health problems that exist that you weren’t aware of from the 31st day after your policy is issued.

6. What is the coverage for cancer?

You will be covered for non-surgical treatments, your premiums will be waived for 3 years, and you will have access to the value-added service of personalized care planning with free second medical opinion and Comprehensive Genomic Profiling.

7. What is deductible?

It’s the amount of money you need to pay for the medical expenses before the medical coverage starts to pay for the rest, which means the deductible amount is not covered under the plan.

8. Can I reduce my deductible over time?

The plan allows you a one-time opportunity to reduce the deductible at retirement age (i.e. 50, 55, 60, 65, 70, 75, 80, 85) without providing further proof of health.

9. Are there tax benefits?

Yes, your premiums may qualify for tax deductions in Hong Kong, depending on current tax laws.

10. What extra services do I get?

You can benefit from second opinion medical consultations, Comprehensive Genomic Profiling, Specialist Referral, Hospital admission arrangement, Local Urgent Care, Cashless Arrangement Service and round-the-clock worldwide emergency support and other value-added services.

11. Will my medical coverage renew even if my health changes?

Yes, your core medical protection will renew. But the value-added services (e.g. second medical opinion, Comprehensive Genomic Profiling and cashless arrangement) might change based on third-party providers.

12. Does it cover mental health support?

WeHealth Prestige provides coverage for psychiatric treatments in Hong Kong hospitals to help care for your mental wellbeing.

Note: If there's a difference between what's on this page and the insurance policy, the policy is what counts.