WeHealth Preferred

Benefit term: Whole lifePublic source · Checked: 12 Oct 2026

Recorded features: Four deductible options / General ward cover in Greater China, subject to benefit limits / 36-month premium waiver upon designated cancer diagnosisPublic source · Checked: 12 Oct 2026Public source · Checked: 12 Oct 2026

Premium payment terms: Whole lifePublic source · Checked: 12 Oct 2026

Standard premiums are not guaranteed; age, medical inflation, experience, future expectations and benefit changes can affect portfolio-wide renewal rates. A health change alone cannot trigger extra premium loading or case-based exclusions at renewal.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Unknown pre-existing conditions: no cover for the first 30 days of the first policy year; full cover from day 31, subject to the certified-plan terms.Public source · Checked: 13 Oct 2026

Examples: non-medically necessary services, experimental or unproven procedures, and congenital conditions manifested or diagnosed before age eight. Other exclusions and stated exceptions apply; see the complete list.Public source · Checked: 13 Oct 2026

The insurer must receive your signed written cancellation request within 21 calendar days after delivery of the policy or cooling-off notice to you or your representative, whichever is earlier. Premiums and levy are refunded only if no policy payment has been made before the request.Public source · Checked: 13 Oct 2026

Insurer claims guide · Medical / VHIS

Medical / VHIS — Steps: Prepare evidence, choose Hospitalisation and surgical claim in My Sun Life HK, upload, submit and track status.Public source · Checked: 13 Oct 2026

Medical / VHIS — Required documents: Doctor’s Part II, receipts / hospital statement and referral; discharge, pathology, tests and sick leave evidence as applicable.Public source · Checked: 13 Oct 2026

Medical / VHIS — Deadlines / notification: Within 90 days of discharge, surgery or consultation; claims over HKD50,000 need originals after the eClaim.Public source · Checked: 13 Oct 2026

Medical / VHIS — Submission channels: My Sun Life HK; required originals in person or by mail to G/F MU Tower B, 18 Hung Luen Road, Hung Hom.Public source · Checked: 13 Oct 2026

Medical / VHIS — Overseas claims / servicing: Customers abroad or in mainland China who cannot use the app can access policy details through the web version.Public source · Checked: 13 Oct 2026

Medical / VHIS — Payment methods: FPS, UnionPay, premium autopay account, or cheque via advisor / mail.Public source · Checked: 13 Oct 2026

Medical / VHIS — Assessment / payment timing: Processing as fast as 4 working days; FPS instant after processing; cheque requires 3–5 working days.Public source · Checked: 13 Oct 2026

Policy servicing from abroad: if the My Sun Life HK app is unavailable overseas or in mainland China, view policy details via its web version.Public source · Checked: 13 Oct 2026

The page does not confirm that every policy change is available from abroad.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 12 Oct 2026

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked: 13 Oct 2026

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked: 13 Oct 2026

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked: 13 Oct 2026