Well Link Life - Well Protect Voluntary Health Insurance Scheme | Apply Online | Medical Insurance | Hospitalization | Online Insurance

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Meet Your Needs

Plan ahead the medical expenses
Ease your financial worries on the unplanned medical expenses
Supplement your corporate medical plan
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The product information here does not contain the full terms the policy and the full terms and conditions can be found in the policy document.

Feature

Comprehensive medical coverages

This plan covers a series of medical services expenses such as diagnostic imaging testing, hospitalization and surgery, non-surgical cancer treatment, psychiatric hospitalization treatment, pre- and post-confinement treatments and other medical treatments and benefits.
Guaranteed renewal up to age 100

Benefit term is 1 year but Well Link Life guarantees that you can renew your policy every year, up to age 100.
Three ward classes available for your selection
You can choose the ward class (Ward, Semi-private Room and Standard Private Room) which best suits your needs and meets your budget.

Ward Class is defined based on objective facility measures in the room as listed below. Please be reminded that it can be different from Hospital's definition.
- Ward Class Definition
- Ward means a multi-bed room in a Hospital with more than two (2) patient beds (not including companion bed).
- Semi-Private Room mean a single or double occupancy room, with a shared bath/shower room, in a Hospital.
- Standard Private Room mean a standard single occupancy room with adjoining bathroom for the Insured Person's use during his/her Confinement, but excluding any room of upper class with its own kitchen, dining or sitting rooms in a Hospital.
Before any hospital confinements, we recommend you to contact us for more understanding about plan's Term and Condition and expected claim amount.
No lifetime benefit limit

There is no lifetime benefit limit. The maximum of annual benefit is HKD1,200,000 and the limit will be restored every policy year.

Covers unknown pre-existing conditions

For medical expenses caused by pre-existing diseases unknown at the time of insurance, this plan will reimburse the medical expense according to the following table for your peace of mind.

Policy year	Reimbursement Arrangement
1^st Year	No Coverage
2^st Year	25% Reimbursement
3^st Year	50% Reimbursement
4^st Year	100% Reimbursement

Tax deduction for premiums paid

You can apply for annual tax deductions under the salaries tax and personal assessment with Inland Revenue Department for the premiums paid under this Plan for yourself. The tax deduction* is up to HK$8,000 per insured person in each assessment year.

*
The premiums paid for a Well Protect Voluntary Health Insurance Scheme is eligible for the tax deduction under the Inland Revenue Ordinance (Cap.112). For more information, please contact the Inland Revenue Department www.ird.gov.hk or seek independent tax advice.

	Standard Plan Apply Now	Flexi Plan Ward Apply Now	Flexi Plan Semi-private room Apply Now	Flexi Plan Standard private room Apply Now
Basic Benefits: Annual Benefit Limit	HKD420,000/policy year	HKD600,000/policy year	HKD800,000/policy year	HKD1,200,000/policy year
Supplementary Major Medical of Enhanced Benefits: Aggregate annual limit (With 20% coinsurance)		HKD120,000/policy year	HKD220,000/policy year	HKD450,000/policy year
Lifetime Benefit Limit
Area Cover	Worldwide (Except for the psychiatric treatments)	Worldwide (Except for the psychiatric treatments that are applicable to Hong Kong only, post-confinement home nursing, outpatient kidney dialysis and cash benefit for day case procedure that are applicable to Asia Pacific only)

Part I – Basic Benefits(1)

(a)Room(2)and board	HKD750/day HKD1,000/day HKD2,200/day HKD4,000/day Maximum 180 days per policy year
(b)Miscellaneous charges	HKD14,000/policy year	HKD20,000/policy year	HKD30,000/policy year
(c)Attending doctor's visit fee	HKD750/day HKD800/day HKD1,600/day HKD4,000/day Maximum 180 days per policy year
(d)Specialist's fee(3)	HKD4,300/policy year	HKD6,000/policy year	HKD12,000/policy year
(e)Intensive care	HKD3,500/day HKD6,000/day HKD10,000/day Maximum 25 days per policy year
(f)Surgeon's fee	Per surgery, subject to surgical category for the surgery / procedure in the schedule of surgical procedures:
· Complex	HKD50,000	HKD80,000	HKD120,000
· Major	HKD25,000	HKD40,000	HKD60,000
· Intermediate	HKD12,500	HKD20,000	HKD30,000
· Minor	HKD5,000	HKD10,000	HKD15,000
(g)Anaesthetist's fee	35%(6) of surgeon's fee payable
(h) Operating theatre charges	35%(6) of surgeon's fee payable
(i)Prescribed diagnostic imaging tests(3)(4)	HKD20,000/policy year HKD30,000/policy year HKD40,000/policy year Subject to 30% coinsurance
(j) Prescribed Non- surgical Cancer Treatments⁽⁵⁾	HKD80,000/policy year	HKD120,000/policy year	HKD150,000/policy year
(k) Pre- and post-confinement / day case procedure outpatient care⁽³⁾	HKD580/visit， HKD3,000/policy year HKD580/visit， HKD4,500/policy year HKD800/visit， HKD6,000/policy year HKD1,000/visit， HKD8,000/policy year • 1 prior outpatient visit or emergency consultation per confinement/day case procedure • 3 follow-up outpatient visits per confinement/day case procedure (within 90 days after discharge from hospital or completion of day case procedure)
(l)Psychiatric treatments	HKD30,000/policy year	HKD40,000/policy year	HKD50,000/policy year

Part II – Enhanced Benefits (1)

(1) Emergency outpatient treatment (accident only)	HKD7,000/policy year	HKD11,000/policy year	HKD16,000/policy year
(2) Post-confinement home nursing ⁽³⁾	HKD550/visit HKD800/visit HKD1,600/visit • 1 visit per day, within 90 days after discharge from hospital • Maximum 30 visits per policy year
(3)Outpatient kidney dialysis⁽³⁾	HKD50,000/policy year	HKD100,000/policy year	HKD150,000/policy year
(4) Supplementary major medical
· Aggregate annual limit	HKD120,000/policy year	HKD220,000/policy year	HKD450,000/policy year
· Reimbursement percentage	80% (Equivalent to 20% coinsurance)
(i) Room⁽²⁾and board	Excess eligible expenses ⁽⁷⁾ under Basic Benefit (a) starting from the 181st day of confinement in a policy year x reimbursement percentage, subject to the benefit limit per day
(ii) Miscellaneous charges	Excess eligible expenses ⁽⁷⁾ under Basic Benefit (b) in a policy year x reimbursement percentage
(iii) Attending doctor's visit fee	Excess eligible expenses ⁽⁷⁾ under Basic Benefit (c) starting from the 181st day of confinement in a policy year x reimbursement percentage, subject to the benefit limit per day
(iv) Specialist's fee ⁽³⁾	Excess eligible expenses ⁽⁷⁾ under Basic Benefit (d) in a policy year x reimbursement percentage
(v) Intensive care	Excess eligible expenses ⁽⁷⁾ under Basic Benefit (e) starting from the 26th day of confinement in an intensive care unit in a policy year x reimbursement percentage, subject to the benefit limit per day
(vi) Surgeon's fee	Excess eligible expenses ⁽⁷⁾ under Basic Benefit (f) in a policy year x reimbursement percentage
(vii) Anaesthetist's fee	Excess eligible expenses ⁽⁷⁾ under Basic Benefit (g) in a policy year x reimbursement percentage
(viii) Operating theatre charges	Excess eligible expenses ⁽⁷⁾ under Basic Benefit (h) in a policy year x reimbursement percentage
(ix) Prescribed diagnostic imaging tests⁽³⁾⁽⁴⁾	Excess eligible expenses ⁽⁷⁾ less Coinsurance under Basic Benefit (i) in a policy year x reimbursement percentage
(x) Pre- and post-confinement / day case procedure outpatient care⁽³⁾	Excess eligible expenses ⁽⁷⁾ under Basic Benefit (k) x reimbursement percentage (payable from the 4th follow-up outpatient visit to 31st visit within 90 days after discharge from hospital or completion of day case procedure), subject to the benefit limit per visit
(xi) Emergency outpatient treatment (accident only)	Excess eligible expenses⁽⁷⁾ under Enhanced Benefit (1) in a policy year x reimbursement percentage
(xii) Post-confinement home nursing⁽³⁾	Excess eligible expenses ⁽⁷⁾ under Enhanced Benefit (2) starting from the 31st visit in a policy year x reimbursement percentage, subject to all visits being made within 90 days after discharge from hospital, 1 visit per day and the benefit limit per visit

Part III – Other Benefits (1)

(A) Cash benefit for day case procedure		HKD500/ day case procedure	HKD700/ day case procedure	HKD1,200/ day case procedure
(B) Compassionate death benefit	HKD10,000/ policy	HKD15,000/ policy	HKD20,000/ policy	HKD30,000/ policy
(C) Medical negligence benefit		HKD100,000/ policy	HKD200,000/ policy	HKD400,000/ policy
(D) Top-up subsidy benefit		HKD600/day HKD800/day HKD1,300/day Maximum 90 days per policy year

Part IV – Other Limits(1)

Annual Benefit Limit for Basic Benefits (a) – (l)	HKD420,000/policy year	HKD600,000/policy year	HKD800,000/policy year	HKD1,200,000/policy year
Lifetime Benefit Limit for: · Basic Benefits (a) – (l), · Enhanced Benefits (1) – (4), and · Other Benefits (A) – (D)	Ｎil	Ｎil	Ｎil	Ｎil

Product Summary

Product Type	Basic Plan
VHIS Certification Number	S00040-01-000-02	F00042-01-000-02	F00042-02-000-02	F00042-03-000-02
Issue Age	Age 0 (15 days) to 80 (Only accept applicant who aged 18 or above to apply online)
Benefit Term	Yearly renewable, with guaranteed renewability up to age 100 of the insured person
Premium Payment Mode	Annual / Monthly
Policy Currency	HKD

Notes:

(1)Eligible Expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above, unless otherwise specified.

(2) The following Ward Class adjustment factor shall apply (if applicable) to the Supplementary major medical benefit if the insured person is confined in a type of room in a hospital higher than the entitled ward class as stated in the Benefit Schedule. Please refer to Supplement A of Policy Terms and Conditions (“Supplement A”) for details.

Entitled ward class in
the Benefit Schedule(9) Confined ward class Ward class adjustment factor
Ward Semi-private room 50%
Ward Standard private room or any room type that is higher than a standard private room 25%
Semi-private room Standard private room 50%
Semi-private room Any room type that is higher than a standard private room 25%
Standard private room Any room type that is higher than a standard private room 50%

(3)

The Company shall have the right to ask for proof of recommendation e.g. written referral or testifying statement on the claim form by the attending doctor or registered medical practitioner.

(4)

Tests covered here only include computed tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined and PET-MRI combined.

(5)

Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.

(6)

The percentage here applies to the surgeon's fee actually payable or the benefit limit for the surgeon's fee according to the surgical categorisation, whichever is the lower.

(7)

"Excess eligible expenses" for each of the Section 3(a) to (i) and (k) of Part 6 of the Terms and Benefits and each of Part 1(1) and (2) of the Supplement A shall mean the eligible expenses of such sub-section or sub-part (as the case may be) that exceeds the respective benefit limit for such benefit item as specified in the Benefit Schedule. In case of the eligible expense under Section 3(i) of Part 6 of the Terms and Benefits, an amount of coinsurance shall first be deducted for the excess eligible expenses, which shall be borne by policy holder.

(8)

Any top-up subsidy benefit paid or payable hereunder in respect of the relevant confinement or day case procedure is subject to the limitation that the total amount of such benefit and any reimbursement paid or payable under the Terms and Benefits in respect of the confinement or day case procedure does not exceed total benefits otherwise payable. Total benefits otherwise payable shall mean the total amount of benefits which would have been reimbursed under Part 6 of the Terms and Benefits and Part 1(2) and (4) of the Supplement A for the relevant confinement or day case procedure if no reimbursement had been made by other insurance company(ies) as defined in Section (D)(a) of Part 2 of Supplement A. Please refer to Supplement A for details.

(9)

Ward Class definition of the plan:

Ward Class Definition
Ward means a multi-bed room in a Hospital with more than two (2) patient beds (not including companion bed).
Semi-Private Room mean a single or double occupancy room, with a shared bath/shower room, in a Hospital.
Standard Private Room mean a standard single occupancy room with adjoining bathroom for the Insured Person's use during his/her Confinement, but excluding any room of upper class with its own kitchen, dining or sitting rooms in a Hospital.

Download:

Please refer to the following documents for details. (For reference only.)	Product Brochure and Standard Premium Table Product Brochure and Standard Premium Table Benefit Schedule Benefit Schedule Benefit Schedule Benefit Schedule Policy Terms and Conditions Policy Terms and Conditions Supplement A of Policy Terms and Conditions Supplement A of Policy Terms and Conditions Supplement B of Policy Terms and Conditions Supplement B of Policy Terms and Conditions Supplement C of Policy Terms and Conditions Supplement C of Policy Terms and Conditions
Note: 1.This plan is underwritten by Well Link Life Insurance Company Limited and intended for sale in Hong Kong only. 2.This webpage contains general information for reference only. The product information does not contain the full terms of the policy. The benefit coverage and full terms can be found in the policy document. If there is any conflict between the policy document and this webpage, the policy document shall prevail. For enquiries, please click Contact Us or call our Customer Service Hotline: +852 2830 7500

Please refer to the following documents for details. (For reference only.)

Note:
1.This plan is underwritten by Well Link Life Insurance Company Limited and intended for sale in Hong Kong only.
2.This webpage contains general information for reference only. The product information does not contain the full terms of the policy. The benefit coverage and full terms can be found in the policy document. If there is any conflict between the policy document and this webpage, the policy document shall prevail.

For enquiries, please click Contact Us or call our Customer Service Hotline: +852 2830 7500

Important information

*
This product is a non-participating policy without any savings element. The product is an individual indemnity hospital insurance plan and is of indemnity nature aiming at customers who want hospitalization and surgical benefits, and can pay the premium as long as they want the protection.

*
We will assess the risk based on your information including but not limited to occupation, place of residence and health conditions to decide to accept the application on standard terms, non-standard terms or reject the application.

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Guarantee to renew every year. We will give you a written notice not less than thirty days prior to the renewal date and the written notice will specify the premium for renewal and renewal date.
In case the terms and benefits being revised upon renewal, the revised terms and benefits will be sent together with the written notice for your review.

*
At renewal, we will have the right to re-underwrite the terms and benefits of the Plan due to a change in your place of residence or occupation.

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Irrespective of whether we revise the terms and benefits of the Plan upon renewal, we will have the right to adjust the standard premium according to the prevailing standard premium schedule adopted by us on an overall portfolio basis. Future premiums will be reviewed and adjusted annually, if necessary, to reflect continuous medical inflation and overall claim experience under the Plan. For the avoidance of doubt, we shall not adjust the premium on an individual basis.

*
All premiums should be paid on or before their respective due dates. A grace period of 31 days is allowed from the due date of each premium. Coverage under this policy will continue during the grace period. If you fail to pay the premium after the end of the grace period, this policy will lapse immediately.
Major product risks

Credit Risk - Any premiums you paid would become part of our assets and so you will be exposed to our credit risk. Our financial strength may affect our ability to meet the ongoing obligations under the insurance policy. Inflation Risk - Cost of living in the future is likely to be higher than it is today due to inflation. Hence, the insurance coverage planned today may not be sufficient to meet your future needs.
Major exclusions

1.Expenses incurred for treatments, procedures, medications, tests or services which are not medically necessary.

2.Dental treatment, traditional Chinese medicine treatment, services relating to maternity conditions, services for correcting visual acuity or refractive errors, beautification or cosmetic purposes, etc.

3.Expenses arising from Human Immunodeficiency Virus (“HIV”) and its related disability, which is contracted or occurs before the policy effective date irrespective of whether it is known or unknown to you at the time of submission of application.

4.Self-inflicted injuries, attempted suicide, overdose or influence of drugs, alcohol, narcotics, etc.

5.Eligible expenses which have been reimbursed under any law, or medical program or insurance policy provided by any government, company or other third party.

Above listed is for reference only. Details of full exclusions please refer to Policy Terms and Conditions.
Cooling-off Right

This right allows you to cancel this policy, obtain a refund of any premiums paid within the Cooling-off Period. The cancellation notice must be signed by you and received directly by us at our office address within 21 calendar days immediately after the earlier of the day of delivery of (i) the policy or (ii) the Cooling-off Notice to you. The Cooling-off Notice is a notice to be sent to you by us notifying you of the Cooling-off Period around the time of policy delivery.

Enquiry and Complaint

You can make enquiries or and complaints about VHIS through the following channels:

Well Link Life Customer Service

VHIS Office of Food and Health Bureau -for issues related to VHIS, including product availability, features of the Certified Plans and compliance of relevant codes

Inland Revenue Department -for issues concerning claims for tax deduction

Insurance Authority -Matters relating to the general conduct of insurance companies and insurance intermediaries