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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

  • Product Video

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.

  • 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
    1st Year No Coverage
    2st Year 25% Reimbursement
    3st Year 50% Reimbursement
    4st 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.

  • Additional worldwide medical assistance service

    To provide you with comprehensive protection, you can enjoy the worldwide medical assistance service# wherever you may be, including services of emergency evacuation or repatriation, repatriation of mortal remains and admission to Mainland China network hospitals without requiring deposit, etc. #This additional service is provided by a third-party service provider, with an overall limit of USD1,000,000 for assistance services arising out of one single journey; it is not part of the terms and benefits of Well Protect Voluntary Health Insurance Scheme (Flexi). The Company also has the right to terminate this service by giving written notice to you. Well Link Life shall not be responsible and liable for this service. This is a complimentary service. You can opt-out the service by writing to the Company. The Company and the third-party service provider reserve the right to revise or amend the terms and conditions thereof from time to time without prior notice.

Standard Plan

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Flexi Plan

Ward

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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

· 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)

xcess eligible expenses (7) under Enhanced Benefit (1) in a policy year x reimbursement percentage

(x) 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

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.

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

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

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