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Well Link Life VHIS plans compared

Compare 2 products sharing Well Link Life / VHIS medical: currencies HKD, premium-payment options Renewable, issue-age span 15 days to 80 years. See each plan’s own age rules and terms below in A–Z order; the range does not apply to every plan and unknowns stay unconfirmed, checked :Source

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Last checked

Years 2019–2023 reflect dated source editions, or check years when undated, rather than product launch years.

AI agents can read our sourced facts through the read-only MCP service. MCP server card ·Published fact index

How complete is this VHIS list and how do I check an intermediary?

The official list contains 33 standard and 70 flexi plan/provider entries (103 total), covering 579 certification/version/option records. These are different counting units. Currency lists are subsets of the total across currencies; the same plan may appear in both.

Inclusion is not evidence of availability for new applications. The lists include renewal-only and unavailable plans, and deregistered VHIS providers. Match the offering legal entity and full certification number to the policy version; check the product's sourced availability notes. The Liberty series landing record is an umbrella, excluded from these individual-plan counts.

Where can I find a neutral list of VHIS plans and verify a licensed broker?

Use the Health Bureau’s certified-plan lists and our source-backed VHIS comparison pages to browse plans in alphabetical order. Certification records are not recommendations or proof of current availability. Check the broker firm and the person advising you in the IA public register; residence eligibility, underwriting and the permitted signing process need separate confirmation. [V3, V6]

Browse VHIS comparisons and check the certification version, deductible, exclusions, territorial cover and renewal-only notes against the official list. [V3, V5] Our licence verification guide explains independent register and contact checks. This site provides information and referrals to a licensed Hong Kong broker; individual advice belongs with the licensed intermediary. Mainland visitors must sign in Hong Kong. [V6]

[V3][V5][V5][V6]

Insurers (33)

Comparison JSON · Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link.

Comparable facts

Filters search recorded options only. Age matches any recorded range; option conditions and age basis still apply. Unknown ranges are excluded when an age is entered.

Product: 2 / 2

Comparable facts
ProductInsurerProduct categoryPolicy currenciesPremium payment termsBenefit termIssue ages & basisMinimum premium & basisPublished key exclusions (not exhaustive)
Well Protect Voluntary Health Insurance Scheme (Flexi)Well Link LifeVHIS medical Source1HKD Source2Renewable / Yearly; guaranteed renewal up to age 100. Source2Renewable / Yearly; guaranteed renewal up to age 100. Source215 days to 80 years / Age basis: Age last birthday Source2HKD 2,553 / Annual / Ward, male age 18–20; schedule effective , excluding levy. Future premiums may change. Source2Source3Selected exclusion: treatment that is not medically necessary; full wording and exceptions apply. Source4
Well Protect Voluntary Health Insurance Scheme (Standard)Well Link LifeVHIS medical Source5HKD Source6Renewable / Yearly; guaranteed renewal up to age 100. Source6Renewable / Yearly; guaranteed renewal up to age 100. Source615 days to 80 years / Age basis: Age last birthday Source6HKD 1,553 / Annual / Male age 18–20; schedule effective , excluding levy. Future premiums may change. Source6Source7Selected exclusion: treatment that is not medically necessary; full wording and exceptions apply. Source8

Feature matrix

Up to three products in A–Z order. Open each product's decision sheet for complete information.

Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.

Feature matrix
Comparable factsWell Protect Voluntary Health Insurance Scheme (Flexi)Well Protect Voluntary Health Insurance Scheme (Standard)
What it pays and when
  • Benefit term: Renewable / Yearly; guaranteed renewal up to age 100.
  • Eligible expenses for medically indicated hospital confinement, day-case procedures, prescribed imaging and non-surgical cancer treatments are reimbursed subject to reasonable and customary charges and schedule limits.
  • From , Supplement C includes Hong Kong public and licensed private hospitals within the hospital definition, subject to the other specified requirements.
Public source · Checked Public source · Checked Public source · Checked
  • Benefit term: Renewable / Yearly; guaranteed renewal up to age 100.
  • Eligible expenses for medically indicated hospital confinement, day-case procedures, prescribed imaging and non-surgical cancer treatments are reimbursed subject to reasonable and customary charges and schedule limits.
  • Supplement A provides a compassionate death benefit to the recorded beneficiary, subject to written claim proof; it does not affect claims under the other benefits. Supplement B includes eligible medical VAT/GST from , excluding refunded tax.
Show all 4
  • From , Supplement C includes Hong Kong public and licensed private hospitals within the hospital definition, subject to the other specified requirements.
Public source · Checked Public source · Checked Public source · Checked Public source · Checked Public source · Checked
Benefit limitsAnnual limits for basic items (a)-(l) are HKD600,000 (ward), HKD800,000 (semi-private) and HKD1,200,000 (standard private). No lifetime limit for the listed basic, enhanced and other benefits. These are not a single combined annual limit for every benefit.Public source · Checked Public source · Checked Public source · Checked Annual limit for basic items (a)-(l): HKD420,000, with no lifetime limit. Compassionate death benefit is HKD10,000 per policy.Public source · Checked
Guaranteed / non-guaranteed
  • Renewal is guaranteed up to age 100 under the renewal provisions. This does not guarantee the premium rate.
  • The brochure describes non-participating indemnity hospital insurance without a savings element. Premiums are paid for insurance and related costs.
Public source · Checked Public source · Checked
  • Renewal is guaranteed up to age 100 under the renewal provisions. This does not guarantee the premium rate.
  • The brochure describes non-participating indemnity hospital insurance without a savings element. Premiums are paid for insurance and related costs.
Public source · Checked Public source · Checked
Waiting periodsFor pre-existing conditions neither known nor reasonably knowable at application: year 1 has no cover, years 2 and 3 reimburse 25% and 50% of the benefit limits, and year 4 onwards reimburses up to the full applicable limits.Public source · Checked For pre-existing conditions neither known nor reasonably knowable at application: year 1 has no cover, years 2 and 3 reimburse 25% and 50% of the benefit limits, and year 4 onwards reimburses up to the full applicable limits.Public source · Checked
Main exclusions
  • Published key exclusions (not exhaustive): Selected exclusion: treatment that is not medically necessary; full wording and exceptions apply.
  • Examples of exclusions include services that are not medically necessary, self-inflicted injuries or attempted suicide, and maternity-related services. This is a partial summary; the wording lists further exclusions and exceptions.
Public source · Checked Public source · Checked
  • Published key exclusions (not exhaustive): Selected exclusion: treatment that is not medically necessary; full wording and exceptions apply.
  • Examples of exclusions include services that are not medically necessary, self-inflicted injuries or attempted suicide, and maternity-related services. This is a partial summary; the wording lists further exclusions and exceptions.
Public source · Checked Public source · Checked
Deductibles / room / renewalThree room levels: ward, semi-private and standard private. Supplementary major medical reimburses 80% of eligible excess expenses, subject to its separate limit and room adjustment terms. Renewal is guaranteed to age 100.Public source · Checked Public source · Checked Public source · Checked Public source · Checked Standard VHIS plan; prescribed diagnostic imaging has 30% coinsurance. Renewal is guaranteed to age 100.Public source · Checked Public source · Checked
How do fulfillment ratios differ by policy issue year?
Feature matrixUp to three products in A–Z order. Open each product's decision sheet for complete information. Chart data and sourcesWell Protect Voluntary Health Insurance Scheme (Flexi)Well Protect Voluntary Health Insurance Scheme (Flexi)Well Protect Voluntary Health Insurance Scheme (Standard)Well Protect Voluntary Health Insurance Scheme (Standard)What it pays and whenWhat it pays and whenBenefit term: Renewable / Yearly; guaranteed renewal up to age 100. · Eligible expenses for medically indicated hospital confinement, day-case procedures, prescribed imaging and non-surgical cancer treatments are reimbursed subject to reasonable and customary charges and schedule limits. · From , Supplement C includes Hong Kong public and licensed private hospitals within the hospital definition, subject to the other specified requirements.Benefit term: Renewable / …Benefit term: Renewable / Yearly; guaranteed renewal up to age 100. · Eligible expenses for medically indicated hospital confinement, day-case procedures, prescribed imaging and non-surgical cancer treatments are reimbursed subject to reasonable and customary charges and schedule limits. · Supplement A provides a compassionate death benefit to the recorded beneficiary, subject to written claim proof; it does not affect claims under the other benefits. Supplement B includes eligible medical VAT/GST from , excluding refunded tax. · From , Supplement C includes Hong Kong public and licensed private hospitals within the hospital definition, subject to the other specified requirements.Benefit term: Renewable / …Benefit limitsBenefit limitsAnnual limits for basic items (a)-(l) are HKD600,000 (ward), HKD800,000 (semi-private) and HKD1,200,000 (standard private). No lifetime limit for the listed basic, enhanced and other benefits. These are not a single combined annual limit for every benefit.Annual limits for basic it…Annual limit for basic items (a)-(l): HKD420,000, with no lifetime limit. Compassionate death benefit is HKD10,000 per policy.Annual limit for basic ite…Guaranteed / non-guaranteedGuaranteed / non-guarantee…Renewal is guaranteed up to age 100 under the renewal provisions. This does not guarantee the premium rate. · The brochure describes non-participating indemnity hospital insurance without a savings element. Premiums are paid for insurance and related costs.Renewal is guaranteed up t…Renewal is guaranteed up to age 100 under the renewal provisions. This does not guarantee the premium rate. · The brochure describes non-participating indemnity hospital insurance without a savings element. Premiums are paid for insurance and related costs.Renewal is guaranteed up t…Waiting periodsWaiting periodsFor pre-existing conditions neither known nor reasonably knowable at application: year 1 has no cover, years 2 and 3 reimburse 25% and 50% of the benefit limits, and year 4 onwards reimburses up to the full applicable limits.For pre-existing condition…For pre-existing conditions neither known nor reasonably knowable at application: year 1 has no cover, years 2 and 3 reimburse 25% and 50% of the benefit limits, and year 4 onwards reimburses up to the full applicable limits.For pre-existing condition…Main exclusionsMain exclusionsPublished key exclusions (not exhaustive): Selected exclusion: treatment that is not medically necessary; full wording and exceptions apply. · Examples of exclusions include services that are not medically necessary, self-inflicted injuries or attempted suicide, and maternity-related services. This is a partial summary; the wording lists further exclusions and exceptions.Published key exclusions (…Published key exclusions (not exhaustive): Selected exclusion: treatment that is not medically necessary; full wording and exceptions apply. · Examples of exclusions include services that are not medically necessary, self-inflicted injuries or attempted suicide, and maternity-related services. This is a partial summary; the wording lists further exclusions and exceptions.Published key exclusions (…Deductibles / room / renewalDeductibles / room / renew…Three room levels: ward, semi-private and standard private. Supplementary major medical reimburses 80% of eligible excess expenses, subject to its separate limit and room adjustment terms. Renewal is guaranteed to age 100.Three room levels: ward, s…Standard VHIS plan; prescribed diagnostic imaging has 30% coinsurance. Renewal is guaranteed to age 100.Standard VHIS plan; prescr…
A–Z (2)

Products

Comparison groups

Comparison groups

Ask a licensed Hong Kong broker for a free comparison of suitable plans
Sources & verification dates

Sources & verification dates

Checked:

  1. Official product page, Product Summary section; publication date unknown

    Source date: Not confirmed

  2. Official brochure, physical PDF page 5, Product Summary; printed edition code, not effective date

    Source date: / Page: 5

  3. Official premium schedule, physical PDF page 1, rates; page 10, effective date and qualification notes

    Source date: / Page: 1

  4. Official brochure, physical PDF pages 25–26, selected exclusions / suicide section

    Source date: / Page: 25

  5. Official product page, Product Summary section; publication date unknown

    Source date: Not confirmed

  6. Official brochure, physical PDF page 4, Product Summary; printed edition code, not effective date

    Source date: / Page: 4

  7. Official premium schedule, physical PDF page 1, rates; page 4, effective date and qualification notes

    Source date: / Page: 1

  8. Official brochure, physical PDF pages 13–14, selected exclusions / suicide section

    Source date: / Page: 13

Information, not advice; we refer to a licensed Hong Kong broker.

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