{"attribution":{"compiledBy":"Hong Kong Insurance Connect","compiledByZh":"港險通","legalName":"Pineapple bun bun Limited","url":"https://buyhongkonginsurance.com","license":"© Hong Kong Insurance Connect (Pineapple bun bun Limited). CC BY 4.0: cite us with a link; figures are insurers' disclosures.","cite":"Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link."},"group":{"slug":"insurer-sun-life-hong-kong-limited-medical-vhis","kind":"insurer","type":"medical-vhis"},"summary":{"en":"This page compares 4 products. Compare recorded product facts and their public sources. Payment options, age conditions and currencies remain separate facts. Shared labels do not confirm eligibility. Check each option's conditions.","zh-hant":"本頁比較 4 款產品。 比較已記錄的產品事實及公開來源。繳費選項、年齡條件及貨幣分別列示。 相同標籤不代表符合投保資格；請核對各選項條件。","zh-hans":"本页比较 4 款产品。 比较已记录的产品事实及公开来源。缴费选项、年龄条件及货币分别列示。 相同标签不代表符合投保资格；请核对各选项条件。"},"ratioCaveat":{"en":"Past fulfillment ratios do not indicate future performance. Non-guaranteed benefits can change. These tables provide general information, without rankings or product recommendations.","zh-hant":"過往分紅實現率並非未來表現的指標。非保證利益可能 改變。此處僅提供一般資訊，沒有排名或產品推薦。","zh-hans":"过往分红实现率并非未来表现的指标。非保证利益可能 改变。此处仅提供一般信息，没有排名或产品推荐。"},"comparableFields":["type","currencies","benefitTerm","keyFeatures","vhisPlanType","annualLimit","lifetimeLimit","roomClass","renewal","keyExclusions"],"products":[{"slug":"sun-life-wehealth","names":{"en":"WeHealth","zh-hant":"永明港健康醫療保","zh-hans":"永明港健康医疗保"},"nameBasis":"insurer-published","insurerSlug":"sun-life-hong-kong-limited","productPaths":["/insurers/sun-life-hong-kong-limited/sun-life-wehealth/","/zh-hant/insurers/sun-life-hong-kong-limited/sun-life-wehealth/","/zh-hans/insurers/sun-life-hong-kong-limited/sun-life-wehealth/"],"insurerPaths":["/insurers/sun-life-hong-kong-limited/","/zh-hant/insurers/sun-life-hong-kong-limited/","/zh-hans/insurers/sun-life-hong-kong-limited/"],"facts":[{"field":"type","value":"medical-vhis","display":{"en":["VHIS medical"],"zh-hant":["自願醫保"],"zh-hans":["自愿医保"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — certified standard plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"display":{"en":["HKD"],"zh-hant":["HKD"],"zh-hans":["HKD"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — certified standard plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證續保至100歲；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证续保至100岁；保费可按组合调整，须符合保单续保条件。"}},"display":{"en":["Renewable / Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["可續保 / 保證續保至100歲；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["可续保 / 保证续保至100岁；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/sp/S00018/S00018-01-000-02-PlanDoc-e.pdf","page":17,"title":"Health Bureau — WeHealth renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"VHIS Standard Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option.","zh-hant":"醫務衞生局名單上的自願醫保標準計劃；保障、不保事項及自付費以所選認可選項為準。","zh-hans":"医务卫生局名单上的自愿医保标准计划；保障、不保事项及自付费以所选认可选项为准。"}],"display":{"en":["VHIS Standard Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option."],"zh-hant":["醫務衞生局名單上的自願醫保標準計劃；保障、不保事項及自付費以所選認可選項為準。"],"zh-hans":["医务卫生局名单上的自愿医保标准计划；保障、不保事项及自付费以所选认可选项为准。"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — certified standard plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"vhisPlanType","value":[{"en":"Standard Plan","zh-hant":"標準計劃","zh-hans":"标准计划"}],"display":{"en":["Standard Plan"],"zh-hant":["標準計劃"],"zh-hans":["标准计划"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — current certified standard plans","date":null,"checkedOn":"2026-10-12"}]},{"field":"annualLimit","value":[{"en":"Standard Plan: HKD 420,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"標準計劃：表列指定保障每保單年度限額 HKD 420,000；另設個別保障限額。","zh-hans":"标准计划：表列指定保障每保单年度限额 HKD 420,000；另设个别保障限额。"}],"display":{"en":["Standard Plan: HKD 420,000 per policy year for the schedule's specified benefits; separate benefit limits may apply."],"zh-hant":["標準計劃：表列指定保障每保單年度限額 HKD 420,000；另設個別保障限額。"],"zh-hans":["标准计划：表列指定保障每保单年度限额 HKD 420,000；另设个别保障限额。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/sp/S00018/S00018-01-000-02-PlanDoc-e.pdf","page":47,"title":"Health Bureau — WeHealth — Standard Plan benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"lifetimeLimit","value":[{"en":"Standard Plan: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply.","zh-hant":"標準計劃：表列指定保障不設終身總限額；個別項目限額仍適用。","zh-hans":"标准计划：表列指定保障不设终身总限额；个别项目限额仍适用。"}],"display":{"en":["Standard Plan: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply."],"zh-hant":["標準計劃：表列指定保障不設終身總限額；個別項目限額仍適用。"],"zh-hans":["标准计划：表列指定保障不设终身总限额；个别项目限额仍适用。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/sp/S00018/S00018-01-000-02-PlanDoc-e.pdf","page":47,"title":"Health Bureau — WeHealth — Standard Plan benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"renewal","value":[{"en":"Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證續保至100歲；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证续保至100岁；保费可按组合调整，须符合保单续保条件。"}],"display":{"en":["Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["保證續保至100歲；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["保证续保至100岁；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/sp/S00018/S00018-01-000-02-PlanDoc-e.pdf","page":17,"title":"Health Bureau — WeHealth renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyExclusions","value":[{"en":"Treatment, tests and services that are not medically necessary are excluded.","zh-hant":"非醫療必需的治療、檢查及服務不受保。","zh-hans":"非医疗必需的治疗、检查及服务不受保。"},{"en":"Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy.","zh-hant":"美容服務不受保，保單所列意外及增強保障例外除外。","zh-hans":"美容服务不受保，保单所列意外及增强保障例外除外。"},{"en":"Selected exclusions only; consult the full policy and any case-based exclusions.","zh-hant":"僅列部分不保事項；須參閱完整保單及個別不保事項。","zh-hans":"仅列部分不保事项；须参阅完整保单及个别不保事项。"}],"display":{"en":["Treatment, tests and services that are not medically necessary are excluded.","Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy.","Selected exclusions only; consult the full policy and any case-based exclusions."],"zh-hant":["非醫療必需的治療、檢查及服務不受保。","美容服務不受保，保單所列意外及增強保障例外除外。","僅列部分不保事項；須參閱完整保單及個別不保事項。"],"zh-hans":["非医疗必需的治疗、检查及服务不受保。","美容服务不受保，保单所列意外及增强保障例外除外。","仅列部分不保事项；须参阅完整保单及个别不保事项。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/sp/S00018/S00018-01-000-02-PlanDoc-e.pdf","page":31,"title":"Health Bureau — WeHealth general exclusions","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[]},{"slug":"sun-life-wehealth-plus","names":{"en":"WeHealth Plus","zh-hant":"永明港稱心醫療保","zh-hans":"永明港称心医疗保"},"nameBasis":"insurer-published","insurerSlug":"sun-life-hong-kong-limited","productPaths":["/insurers/sun-life-hong-kong-limited/sun-life-wehealth-plus/","/zh-hant/insurers/sun-life-hong-kong-limited/sun-life-wehealth-plus/","/zh-hans/insurers/sun-life-hong-kong-limited/sun-life-wehealth-plus/"],"insurerPaths":["/insurers/sun-life-hong-kong-limited/","/zh-hant/insurers/sun-life-hong-kong-limited/","/zh-hans/insurers/sun-life-hong-kong-limited/"],"facts":[{"field":"type","value":"medical-vhis","display":{"en":["VHIS medical"],"zh-hant":["自願醫保"],"zh-hans":["自愿医保"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"display":{"en":["HKD"],"zh-hant":["HKD"],"zh-hans":["HKD"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證續保至100歲；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证续保至100岁；保费可按组合调整，须符合保单续保条件。"}},"display":{"en":["Renewable / Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["可續保 / 保證續保至100歲；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["可续保 / 保证续保至100岁；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00026/F00026-01-000-03-PlanDoc-e.pdf","page":17,"title":"Health Bureau — WeHealth Plus renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option.","zh-hant":"醫務衞生局名單上的自願醫保靈活計劃；保障、不保事項及自付費視所選認可選項而定。","zh-hans":"医务卫生局名单上的自愿医保灵活计划；保障、不保事项及自付费视所选认可选项而定。"}],"display":{"en":["VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option."],"zh-hant":["醫務衞生局名單上的自願醫保靈活計劃；保障、不保事項及自付費視所選認可選項而定。"],"zh-hans":["医务卫生局名单上的自愿医保灵活计划；保障、不保事项及自付费视所选认可选项而定。"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"vhisPlanType","value":[{"en":"Flexi Plan","zh-hant":"靈活計劃","zh-hans":"灵活计划"}],"display":{"en":["Flexi Plan"],"zh-hant":["靈活計劃"],"zh-hans":["灵活计划"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — current certified flexi plans","date":null,"checkedOn":"2026-10-12"}]},{"field":"annualLimit","value":[{"en":"Scheme 1: HKD 500,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"計劃一：表列指定保障每保單年度限額 HKD 500,000；另設個別保障限額。","zh-hans":"计划一：表列指定保障每保单年度限额 HKD 500,000；另设个别保障限额。"},{"en":"Scheme 2: HKD 800,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"計劃二：表列指定保障每保單年度限額 HKD 800,000；另設個別保障限額。","zh-hans":"计划二：表列指定保障每保单年度限额 HKD 800,000；另设个别保障限额。"}],"display":{"en":["Scheme 1: HKD 500,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","Scheme 2: HKD 800,000 per policy year for the schedule's specified benefits; separate benefit limits may apply."],"zh-hant":["計劃一：表列指定保障每保單年度限額 HKD 500,000；另設個別保障限額。","計劃二：表列指定保障每保單年度限額 HKD 800,000；另設個別保障限額。"],"zh-hans":["计划一：表列指定保障每保单年度限额 HKD 500,000；另设个别保障限额。","计划二：表列指定保障每保单年度限额 HKD 800,000；另设个别保障限额。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00026/F00026-01-000-03-PlanDoc-e.pdf","page":57,"title":"Health Bureau — WeHealth Plus — Scheme 1 benefit schedule","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00026/F00026-01-001-03-PlanDoc-e.pdf","page":58,"title":"Health Bureau — WeHealth Plus — Scheme 2 benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"lifetimeLimit","value":[{"en":"Scheme 1: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply.","zh-hant":"計劃一：表列指定保障不設終身總限額；個別項目限額仍適用。","zh-hans":"计划一：表列指定保障不设终身总限额；个别项目限额仍适用。"}],"display":{"en":["Scheme 1: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply."],"zh-hant":["計劃一：表列指定保障不設終身總限額；個別項目限額仍適用。"],"zh-hans":["计划一：表列指定保障不设终身总限额；个别项目限额仍适用。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00026/F00026-01-000-03-PlanDoc-e.pdf","page":57,"title":"Health Bureau — WeHealth Plus — Scheme 1 benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"roomClass","value":[{"en":"Scheme 1: General ward for Scheme 1; upgrades to semi-private/private rooms attract adjustment factors.","zh-hant":"計劃1為普通房；升至半私家／私家房設調整比例。","zh-hans":"计划1为普通房；升至半私家／私家房设调整比例。"}],"display":{"en":["Scheme 1: General ward for Scheme 1; upgrades to semi-private/private rooms attract adjustment factors."],"zh-hant":["計劃1為普通房；升至半私家／私家房設調整比例。"],"zh-hans":["计划1为普通房；升至半私家／私家房设调整比例。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00026/F00026-01-000-03-PlanDoc-e.pdf","page":50,"title":"Health Bureau — room-class terms","date":null,"checkedOn":"2026-10-12"}]},{"field":"renewal","value":[{"en":"Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證續保至100歲；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证续保至100岁；保费可按组合调整，须符合保单续保条件。"}],"display":{"en":["Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["保證續保至100歲；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["保证续保至100岁；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00026/F00026-01-000-03-PlanDoc-e.pdf","page":17,"title":"Health Bureau — WeHealth Plus renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyExclusions","value":[{"en":"Treatment, tests and services that are not medically necessary are excluded.","zh-hant":"非醫療必需的治療、檢查及服務不受保。","zh-hans":"非医疗必需的治疗、检查及服务不受保。"},{"en":"Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy.","zh-hant":"美容服務不受保，保單所列意外及增強保障例外除外。","zh-hans":"美容服务不受保，保单所列意外及增强保障例外除外。"},{"en":"Selected exclusions only; consult the full policy and any case-based exclusions.","zh-hant":"僅列部分不保事項；須參閱完整保單及個別不保事項。","zh-hans":"仅列部分不保事项；须参阅完整保单及个别不保事项。"}],"display":{"en":["Treatment, tests and services that are not medically necessary are excluded.","Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy.","Selected exclusions only; consult the full policy and any case-based exclusions."],"zh-hant":["非醫療必需的治療、檢查及服務不受保。","美容服務不受保，保單所列意外及增強保障例外除外。","僅列部分不保事項；須參閱完整保單及個別不保事項。"],"zh-hans":["非医疗必需的治疗、检查及服务不受保。","美容服务不受保，保单所列意外及增强保障例外除外。","仅列部分不保事项；须参阅完整保单及个别不保事项。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00026/F00026-01-000-03-PlanDoc-e.pdf","page":31,"title":"Health Bureau — WeHealth Plus general exclusions","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[]},{"slug":"sun-life-wehealth-preferred","names":{"en":"WeHealth Preferred","zh-hant":"永明港無憂醫療保","zh-hans":"永明港无忧医疗保"},"nameBasis":"insurer-published","insurerSlug":"sun-life-hong-kong-limited","productPaths":["/insurers/sun-life-hong-kong-limited/sun-life-wehealth-preferred/","/zh-hant/insurers/sun-life-hong-kong-limited/sun-life-wehealth-preferred/","/zh-hans/insurers/sun-life-hong-kong-limited/sun-life-wehealth-preferred/"],"insurerPaths":["/insurers/sun-life-hong-kong-limited/","/zh-hant/insurers/sun-life-hong-kong-limited/","/zh-hans/insurers/sun-life-hong-kong-limited/"],"facts":[{"field":"type","value":"medical-vhis","display":{"en":["VHIS medical"],"zh-hant":["自願醫保"],"zh-hans":["自愿医保"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/WeHealth_Preferred_EN.pdf","page":11,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"display":{"en":["HKD"],"zh-hant":["HKD"],"zh-hans":["HKD"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/WeHealth_Preferred_EN.pdf","page":11,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"whole-life","value":null,"notes":null},"display":{"en":["Whole life"],"zh-hant":["終身"],"zh-hans":["终身"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/WeHealth_Preferred_EN.pdf","page":11,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Four deductible options","zh-hant":"四個自付費選項","zh-hans":"四个免赔额选项"},{"en":"General ward cover in Greater China, subject to benefit limits","zh-hant":"大中華普通房保障，受權益限額限制","zh-hans":"大中华普通病房保障，受权益限额限制"},{"en":"36-month premium waiver upon designated cancer diagnosis","zh-hant":"確診指定癌症後豁免36個月保費","zh-hans":"确诊指定癌症后豁免36个月保费"}],"display":{"en":["Four deductible options","General ward cover in Greater China, subject to benefit limits","36-month premium waiver upon designated cancer diagnosis"],"zh-hant":["四個自付費選項","大中華普通房保障，受權益限額限制","確診指定癌症後豁免36個月保費"],"zh-hans":["四个免赔额选项","大中华普通病房保障，受权益限额限制","确诊指定癌症后豁免36个月保费"]},"sources":[{"url":"https://www.sunlife.com.hk/en/insurance/health/voluntary-health-insurance-scheme/wehealth-preferred/","page":null,"title":"Official product page: product description and features","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/WeHealth_Preferred_EN.pdf","page":11,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[]},{"slug":"sun-life-wehealth-prestige","names":{"en":"WeHealth Prestige","zh-hant":"永明港卓越醫療保","zh-hans":"永明港卓越医疗保"},"nameBasis":"insurer-published","insurerSlug":"sun-life-hong-kong-limited","productPaths":["/insurers/sun-life-hong-kong-limited/sun-life-wehealth-prestige/","/zh-hant/insurers/sun-life-hong-kong-limited/sun-life-wehealth-prestige/","/zh-hans/insurers/sun-life-hong-kong-limited/sun-life-wehealth-prestige/"],"insurerPaths":["/insurers/sun-life-hong-kong-limited/","/zh-hant/insurers/sun-life-hong-kong-limited/","/zh-hans/insurers/sun-life-hong-kong-limited/"],"facts":[{"field":"type","value":"medical-vhis","display":{"en":["VHIS medical"],"zh-hant":["自願醫保"],"zh-hans":["自愿医保"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"display":{"en":["HKD"],"zh-hant":["HKD"],"zh-hans":["HKD"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證終身續保；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证终身续保；保费可按组合调整，须符合保单续保条件。"}},"display":{"en":["Renewable / Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["可續保 / 保證終身續保；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["可续保 / 保证终身续保；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00063/F00063-01-000-01-PlanDoc-e.pdf","page":17,"title":"Health Bureau — WeHealth Prestige renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option.","zh-hant":"醫務衞生局名單上的自願醫保靈活計劃；保障、不保事項及自付費視所選認可選項而定。","zh-hans":"医务卫生局名单上的自愿医保灵活计划；保障、不保事项及自付费视所选认可选项而定。"}],"display":{"en":["VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option."],"zh-hant":["醫務衞生局名單上的自願醫保靈活計劃；保障、不保事項及自付費視所選認可選項而定。"],"zh-hans":["医务卫生局名单上的自愿医保灵活计划；保障、不保事项及自付费视所选认可选项而定。"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"vhisPlanType","value":[{"en":"Flexi Plan","zh-hant":"靈活計劃","zh-hans":"灵活计划"}],"display":{"en":["Flexi Plan"],"zh-hant":["靈活計劃"],"zh-hans":["灵活计划"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — current certified flexi plans","date":null,"checkedOn":"2026-10-12"}]},{"field":"annualLimit","value":[{"en":"HKD0 Deductible: HKD 10,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"0 港元自付費：表列指定保障每保單年度限額 HKD 10,000,000；另設個別保障限額。","zh-hans":"0 港元自付费：表列指定保障每保单年度限额 HKD 10,000,000；另设个别保障限额。"}],"display":{"en":["HKD0 Deductible: HKD 10,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply."],"zh-hant":["0 港元自付費：表列指定保障每保單年度限額 HKD 10,000,000；另設個別保障限額。"],"zh-hans":["0 港元自付费：表列指定保障每保单年度限额 HKD 10,000,000；另设个别保障限额。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00063/F00063-01-000-01-PlanDoc-e.pdf","page":71,"title":"Health Bureau — WeHealth Prestige — HKD0 Deductible benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"lifetimeLimit","value":[{"en":"HKD0 Deductible: HKD 40,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"0 港元自付費：表列指定保障終身限額 HKD 40,000,000；另設個別保障限額。","zh-hans":"0 港元自付费：表列指定保障终身限额 HKD 40,000,000；另设个别保障限额。"}],"display":{"en":["HKD0 Deductible: HKD 40,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply."],"zh-hant":["0 港元自付費：表列指定保障終身限額 HKD 40,000,000；另設個別保障限額。"],"zh-hans":["0 港元自付费：表列指定保障终身限额 HKD 40,000,000；另设个别保障限额。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00063/F00063-01-000-01-PlanDoc-e.pdf","page":71,"title":"Health Bureau — WeHealth Prestige — HKD0 Deductible benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"roomClass","value":[{"en":"HKD0 Deductible: Semi-private room; higher classes attract the published adjustment factors.","zh-hant":"半私家房；更高級病房按公布比例調整。","zh-hans":"半私家房；更高级病房按公布比例调整。"}],"display":{"en":["HKD0 Deductible: Semi-private room; higher classes attract the published adjustment factors."],"zh-hant":["半私家房；更高級病房按公布比例調整。"],"zh-hans":["半私家房；更高级病房按公布比例调整。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00063/F00063-01-000-01-PlanDoc-e.pdf","page":65,"title":"Health Bureau — room-class terms","date":null,"checkedOn":"2026-10-12"}]},{"field":"renewal","value":[{"en":"Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證終身續保；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证终身续保；保费可按组合调整，须符合保单续保条件。"}],"display":{"en":["Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["保證終身續保；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["保证终身续保；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00063/F00063-01-000-01-PlanDoc-e.pdf","page":17,"title":"Health Bureau — WeHealth Prestige renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyExclusions","value":[{"en":"Treatment, tests and services that are not medically necessary are excluded.","zh-hant":"非醫療必需的治療、檢查及服務不受保。","zh-hans":"非医疗必需的治疗、检查及服务不受保。"},{"en":"Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy.","zh-hant":"美容服務不受保，保單所列意外及增強保障例外除外。","zh-hans":"美容服务不受保，保单所列意外及增强保障例外除外。"},{"en":"Selected exclusions only; consult the full policy and any case-based exclusions.","zh-hant":"僅列部分不保事項；須參閱完整保單及個別不保事項。","zh-hans":"仅列部分不保事项；须参阅完整保单及个别不保事项。"}],"display":{"en":["Treatment, tests and services that are not medically necessary are excluded.","Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy.","Selected exclusions only; consult the full policy and any case-based exclusions."],"zh-hant":["非醫療必需的治療、檢查及服務不受保。","美容服務不受保，保單所列意外及增強保障例外除外。","僅列部分不保事項；須參閱完整保單及個別不保事項。"],"zh-hans":["非医疗必需的治疗、检查及服务不受保。","美容服务不受保，保单所列意外及增强保障例外除外。","仅列部分不保事项；须参阅完整保单及个别不保事项。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00063/F00063-01-000-01-PlanDoc-e.pdf","page":32,"title":"Health Bureau — WeHealth Prestige general exclusions","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[]}]}