Manulife First VHIS Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00019-02-002-07. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$11,864 |
| 45 | HK$21,090 |
| 60 | HK$30,986 |
| 75 | HK$63,026 |
Female non-smoker, the plan currency, before levy. Age is the only thing that changes down this table; it is the plan's own filed schedule, not a quotation.
| Room | Semi-private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | None |
| Lifetime limit | None |
| Room and board | HK$2,500 |
| Hospital charges | HK$21,000 |
| Doctor's visits | HK$1,900 |
| Specialist fees | HK$6,000 |
| Intensive care | HK$5,600 |
| Surgeon's fee | HK$73,500 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$30,000 |
| Non-surgical cancer treatment | HK$150,000 |
| Outpatient before and after | As stated in the schedule |
| Psychiatric treatment | HK$35,000 |
Also includes outpatient general, home nursing, a companion bed, kidney dialysis, a death benefit.
Read from the certified Terms and Benefits. Each page link opens that page of the filed document. Fields the document does not state are left out.
| Guaranteed renewal to age | lifetime p.12 |
|---|---|
| Pre-existing conditions unknown at application | No coverage for first 30 days of first policy year, full coverage from 31st day of first policy year onwards p.23 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period. After cooling-off, cancellation with 30 days notice if no benefits paid in policy year, refund not specified. p.4 |
| Switching from another plan | Allowed to switch to plans with upgraded/added benefits (re-underwriting limited to new benefits) or downgraded/reduced benefits (no re-underwriting, discretion applies). p.14 |
| Room class | Semi-private p.63 |
| If a higher room is used | Ward to Private Room or above: 25% adjustment factor; Ward to Semi-private Room: 50% adjustment factor; Semi-private Room to Private Room or above: 50% adjustment factor; Private Room to Above Private Room: 50% adjustment factor p.7 |
| Geographical cover | worldwide (except psychiatric treatment and supplementary medical benefit) p.17 |
| Psychiatric treatment area | Hong Kong only p.22 |
| Emergency treatment abroad | Covered worldwide. For supplementary medical benefit, 75% adjustment factor outside Asia (excluding USA), 50% in USA. p.17 |
| Full cover on core benefits | no p.63 |
| Annual limit | unlimited p.65 |
| Lifetime limit | none p.65 |
| Deductible options | none |
| How the deductible applies | not stated |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests; 20% for supplementary medical Non-network Benefit p.63 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, HKD 1,400 per visit, up to HKD 20,000 per Policy Year p.63 |
| Post-discharge outpatient | 10 follow-up visits within 90 days after discharge/Day Case Procedure, HKD 1,400 per visit, up to HKD 20,000 per Policy Year p.63 |
| General outpatient | none |
| Psychiatric treatment | HKD 35,000 per Policy Year p.63 |
| Diagnostic imaging coinsurance | 30% p.63 |
| Non-surgical cancer treatment | HKD 150,000 per Policy Year p.63 |
| Kidney dialysis | Covered, HKD 135,000 per Policy Year p.64 |
| Day case procedures | Covered as in-patient, subject to individual benefit limits p.19 |
| Home nursing | 15 follow-up visits within 90 days after discharge, HKD 960 per visit, up to HKD 19,000 per Policy Year p.64 |
| Hospice care | none p.30 |
| Chinese medicine | none p.26 |
| Physiotherapy | Covered during Confinement and for 10 follow-up outpatient visits within 90 days after discharge/Day Case Procedure, up to HKD 20,000 per Policy Year p.20 |
| Congenital conditions | Covered from age 8 p.26 |
| Pregnancy complications | none p.26 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.26 |
| Hospital cash | HKD 600 per day of Confinement, maximum 180 days per Policy Year, if expenses are reimbursed by other plans p.63 |
| Companion bed | Full cover per day, maximum 180 days per Policy Year p.64 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Available through Healthcare Network Providers with pre-approval arrangement p.3 |
| No-claim discount | 8% for 2-4 consecutive claim-free years; 16% for 5 or more consecutive claim-free years p.17 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.25 |
At a constant age of 45, Manulife has filed 4 schedule changes on this plan since 2021, an average of +3.9% a year, taking the premium from HK$16,867 to HK$21,090.
| Year | Change |
|---|---|
| 2022 | +6.0% |
| 2023 | no change |
| 2024 | +4.0% |
| 2025 | +6.0% |
| 2026 | +7.0% |
A record of what has been filed, not a forecast of what you will pay.
Private hospitals publish what they billed for common operations. These pages take those bills and work out what a plan pays of them.
Every procedure with published bills
The certified plan document as filed, on the Health Bureau's VHIS site.