Well Protect Voluntary Health Insurance Scheme (Standard)

Benefit term: Renewable / Yearly; guaranteed renewal up to age 100.Public source · Checked: 21 Oct 2026

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.Public source · Checked: 14 Oct 2026

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 1 Mar 2022, excluding refunded tax.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026

From 1 Jan 2023, Supplement C includes Hong Kong public and licensed private hospitals within the hospital definition, subject to the other specified requirements.Public source · Checked: 14 Oct 2026

Annual limit for basic items (a)-(l): HKD420,000, with no lifetime limit. Compassionate death benefit is HKD10,000 per policy.Public source · Checked: 14 Oct 2026

Premium payment terms: Renewable / Yearly; guaranteed renewal up to age 100.Public source · Checked: 21 Oct 2026

Minimum premium & basis: HKD 1,553 / Annual / Male age 18–20; schedule effective 31 Oct 2019, excluding levy. Future premiums may change.Public source · Checked: 21 Oct 2026Public source · Checked: 21 Oct 2026

Premium comprises the prevailing standard premium plus loading, if applicable, and is paid in advance. A 31-day grace period keeps the policy in force, but benefits are not paid until premium is paid; non-payment by its end terminates the policy from the unpaid premium due date.Public source · Checked: 14 Oct 2026

Standard premiums may change at renewal on an overall portfolio basis; percentage loadings change accordingly. Health changes alone cannot lead to additional premium loading or case-based exclusions during a policy year or at renewal.Public source · Checked: 14 Oct 2026

Renewal is guaranteed up to age 100 under the renewal provisions. This does not guarantee the premium rate.Public source · Checked: 14 Oct 2026

The brochure describes non-participating indemnity hospital insurance without a savings element. Premiums are paid for insurance and related costs.Public source · Checked: 14 Oct 2026

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: 14 Oct 2026

Published key exclusions (not exhaustive): Selected exclusion: treatment that is not medically necessary; full wording and exceptions apply.Public source · Checked: 21 Oct 2026

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: 14 Oct 2026

After cooling-off, cancellation requires 30 days prior written notice and no benefit payment during the relevant policy year. The right also applies after renewal.Public source · Checked: 14 Oct 2026

The Nov 2023 brochure describes termination of an in-force policy by written request received 14 days before the next premium due date. The policy wording separately states the 30-day cancellation notice and no-benefit-payment conditions above. These are the respective document provisions.Public source · Checked: 14 Oct 2026

The signed cancellation request must reach the insurer within 21 days after delivery of the policy terms and schedule or cooling-off notice, whichever is earlier; return the original terms and schedule. Delivery day is excluded; a non-working final day extends to the next working day. No premium refund if benefits have been paid, are payable or impending; this right does not apply at renewal.Public source · Checked: 14 Oct 2026

Insurer claims guide · Medical / VHIS

Medical / VHIS — Steps: Complete the appropriate signed claim and physician forms and collect supporting documents.Public source · Checked: 13 Oct 2026

Medical / VHIS — Submission channels: Consultant, Wealth Management Centre or post to Well Link Life at Shun Tak Centre (address in source); online notification/help.Public source · Checked: 13 Oct 2026

Medical / VHIS — Assessment / payment timing: Complete accident/medical/hospital cases: handling pledge within 3 working days; this is not a bank-credit deadline.Public source · Checked: 13 Oct 2026

Medical / VHIS — Required documents: Medical/physician forms, ID copies; original receipts for VHIS/surgery reimbursement, copies for listed hospital-income benefits.Public source · Checked: 13 Oct 2026

Medical / VHIS — Deadlines / notification: Listed VHIS and hospital benefits: within 90 days of discharge; listed rehabilitation benefit: within 90 days of programme completion.Public source · Checked: 13 Oct 2026

Medical / VHIS — Overseas claims / servicing: Outside HK: outpatient records/reasons; specified China hospitals for listed plans; certified translations if not Chinese/English.Public source · Checked: 13 Oct 2026

A change of residence may trigger re-underwriting at renewal only if residence was considered at inception, this was disclosed at application, accessible underwriting practices show its effect, and reassessment is limited to that change. The insurer must request notification; the policyholder must then report the change. The result may be favourable or adverse.Public source · Checked: 14 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 13 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

Standard VHIS plan; prescribed diagnostic imaging has 30% coinsurance. Renewal is guaranteed to age 100.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026