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

WeHealth Prestige

WeHealth Prestige is an individual indemnity Hospital insurance plan that offers comprehensive medical coverage in a Semi-private Room in Asia1. The plan comes with 4 Deductible options.

The qualifying premiums you pay for yourself and every dependent2 you insure under this plan could be applied for up to HKD8,000 tax deduction per Insured Person per fiscal year3. For details, please visit the VHIS Overview page.

Highlights:

  1. Full cover4 on major medical expense in Semi-private Room in Asia with up to HKD40 million per life and HKD10 million per Policy Year, plus guaranteed lifetime Renewal5

  2. Extended support if you are unfortunately diagnosed with cancer 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. Supporting you with Cover You More – waiver of Deductible (if applicable) for designated critical illnesses7

  4. 4 different Deductible options8 to offer flexible protection to meet changing medical and financial needs during different life stages

  5. Comprehensive value-added Services9, including:

    • Medical Concerige Services
    • Second Medical Opinion Services
    • 24-Hour Service Hotline
    • Worldwide Emergency Assistance Benefits
    • Cashless arrangment10 during hospitalization
       

Limited Time Offer:

WeHealth Prestige

WeHealth Prestige Client Offer

From now until September 30, 2022, you may enjoy 6-month premium rebate on Annualized First Year Premium (“AFYP”) of WeHealth Prestige upon your successful application.

If you are our Selected Sun Life Client*, you will be enjoying an extra 2-month premium rebate, i.e. a total of 8-month premium rebate by providing your account information in the “Selected Sun Life Clients Form”.

The offer is subject to terms and conditions. More offers are waiting for you. Details please download and refer to the promotion leaflet.

*A Selected Sun Life Client means the policy owner or insured of the relevant policy is a current member of the Sun Life Pensions and Group Insurance and he/she is a member of Sun Life Pensions and Group Insurance on or before June 30, 2022.

Catch the limited time offer for HK$100 gourmet voucher and Comprehensive Eye Examination provided by OPTICAL 88*

By December 31, 2022,

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, and
  • A 45-minute Comprehensive Eye Examination at OPTICAL 88 Eye Examination Centre once for FREE*! By taking eye examinations regularly for early detection of eye disorders like colour vision deficiency, symptoms of diabetes and high cholesterol, and so on.

The following terms and conditions apply to the offers (“Offers”) during September 8, 2022 to December 31, 2022, 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 and Comprehensive Eye Examination are only available during the Promotion Period stated above. Participation outside the Promotion Period is not eligible.

b. The financial advisors 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, ParknShop and foodpanda delivery platform; the redemption arrangement of Comprehensive Eye Examination would be notified by Sun Life’s financial advisors accordingly, the eye examination service is provided by OPTICAL 88; Sun Life is not the supplier of the gourmet voucher and Comprehensive Eye Examination (“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. The Comprehensive Eye Examination fulfillment will be notified by the appointed agent when meet up.

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. 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 Medical Concierge Services, Second Medical Opinion Services, 24-Hour Service Hotline and Worldwide Emergency Assistance Benefits 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.
  10. 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): 4001 208 905

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
Deductible: HKD20,000
HKDXXX / annual
Deductible policy
Providing reimbursement from HKD20,000 onwards
Up to HKD10M annual limit
Deductible: HKD50,000
HKDXXX / annual
Deductible policy
Providing reimbursement from HKD50,000 onwards
Up to HKD10M annual limit
Deductible: HKD80,000
HKDXXX / annual
Deductible policy
Providing reimbursement from HKD80,000 onwards
Up to HKD10M annual limit
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.

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