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


WeHealth, designed especially for Hong Kong residents1, is a VHIS Certified Standard Plan (VHIS Certification Number: S00018-01-000-02) that helps to provide financial security for you and your family who is 15 days to age 80.

One special highlight of this plan is that 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.


  1. Worldwide protection4 in affordable premiums without Lifetime Benefit Limit
  2. Continued protection with guaranteed Renewal up to age 1005
  3. Added convenience with cash subsidy for Day Case Procedures
  4. Extra care for non-surgical cancer treatment
  5. 7x24 eClaims service for streamlined financial support
  6. Value-added Services9 for ultimate convenience
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 benefit(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.
  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.

Get a Quote:

I am years old
my gender is
Quote Result
HKDXXX / annual
• VHIS Certified Standard Plan
• Essential medical coverage
• No Lifetime Benefit Limit
• HKD420k annual limit
SunHealth Medical Care - Plan 1*
HKDXXX / annual
• Comprehensive medical coverage
• With No Claim Discount and Loyalty Bonus
• Subject to Maximum Benefit per Disability

*A similar medical insurance product with quote is selected for your reference only. For details, 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 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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