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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.

    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

    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.

  • 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
    · 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 0%
    • Ward Standard private room or any room type that is higher than a standard private room 25%
    • Semi-private room Standard private room 0%
    • Ward 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.)
    • 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.

      *

      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.

      *

      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
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