Sun Life Hong Kong Limited

What kinds of VHIS plans does Sun Life Hong Kong offer?

Sun Life Hong Kong offers VHIS-certified Standard and Flexi medical insurance plans for individuals and families seeking medical coverage and potential tax deductions on qualifying premiums.

WeHealth Plus is a VHIS Flexi Plan with no lifetime benefit limit, an annual limit of up to HKD800,000 and a stated benefit term to age 100.

WeHealth is a VHIS Standard Plan with no lifetime benefit limit and a HKD420,000 annual limit.

What coverage and annual limit does WeHealth Prestige state?

WeHealth Prestige is a VHIS Flexi Plan with full cover on major medical expenses in Asia and a HKD10 million annual limit; its stated benefit term is whole life.

What coverage and annual limit does WeHealth Preferred state?

WeHealth Preferred is a VHIS Flexi Plan with full cover on major medical expenses in Greater China and a HKD5 million annual limit.

What are WeHealth Plus’s stated benefit limits and term?

WeHealth Plus is a VHIS Flexi Plan with no lifetime benefit limit, an annual limit of up to HKD800,000 and a stated benefit term to age 100.

What are WeHealth’s stated benefit limits?

WeHealth is a VHIS Standard Plan with no lifetime benefit limit and a HKD420,000 annual limit.

What medical support services are included in eSun Pro?

The company describes eSun Pro as a one-stop health management solution supporting customers from diagnosis through recovery, including medical concierge services, AdvicePro second medical opinions, claimable-amount estimates and cashless arrangements.

Can VHIS premiums qualify for Hong Kong tax deductions?

Qualifying premiums for the policyholder and each eligible dependent under VHIS Certified Plans may qualify for up to HKD8,000 in deductions per insured person per Hong Kong fiscal year, with no stated upper limit on the number of insured dependents; eligibility depends on prevailing tax laws and individual circumstances.

What are the stated age and policyholder conditions for applying?

The stated application age for a proposed insured person is from 15 days old to age 80, based on age last birthday; each policy can have only one policyholder, who may be the insured person or another individual subject to underwriting rules.

How are VHIS applications underwritten?

VHIS applications are subject to underwriting, which may result in standard rates, additional premiums, case-based exclusions or declined applications; assessment can consider medical history, residence, occupation and other disclosed conditions.

Where should customers look for full plan terms and exclusions?

The plan information is a summary; the relevant brochure and policy document contain full terms, conditions and exclusions, and the policy document prevails if it conflicts with the summary. Sun Life HK does not provide tax advice.