Manulife First VHIS Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00019-03-000-07. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$13,210 |
| 45 | HK$23,481 |
| 60 | HK$34,500 |
| 75 | HK$70,175 |
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 | Private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | None |
| Lifetime limit | None |
| Room and board | HK$4,500 |
| Hospital charges | HK$35,000 |
| Doctor's visits | HK$3,900 |
| Specialist fees | HK$12,000 |
| Intensive care | HK$10,000 |
| Surgeon's fee | HK$105,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$35,000 |
| Non-surgical cancer treatment | HK$225,000 |
| Outpatient before and after | As stated in the schedule |
| Psychiatric treatment | HK$40,000 |
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 | 0% for first 30 days of Policy Year 1, 100% from 31st day of Policy Year 1 p.23 |
| Waiting period | 30 days for unknown pre-existing conditions p.23 |
| Cancellation and refund | Full refund within 21-day cooling-off period p.4 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits, re-underwriting limited to new benefits. Downgrade/reduction of benefits does not trigger re-underwriting. p.14 |
| Room class | Private Room p.63 |
| If a higher room is used | Ward Class Adjustment Factor applied: Ward to Private Room or above 25%, Ward to Semi-private Room 50%, Semi-private Room to Private Room or above 50%, Private Room to Above Private Room 50% p.8 |
| Geographical cover | Worldwide, except for psychiatric treatment and supplementary medical benefit p.17 |
| Psychiatric treatment area | Hong Kong only p.22 |
| Emergency treatment abroad | Covered worldwide, HKD 15,000 per Policy Year for Emergency outpatient care p.17 |
| Full cover on core benefits | no p.63 |
| Annual limit | unlimited p.64 |
| Lifetime limit | none p.64 |
| Deductible options | none p.24 |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests; supplementary medical Coinsurance for supplementary medical benefit p.63 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, HKD 2,000 per visit, up to HKD 29,000 per Policy Year p.63 |
| Post-discharge outpatient | 10 visits per Confinement/Day Case Procedure (within 90 days), HKD 2,000 per visit, up to HKD 29,000 per Policy Year p.63 |
| General outpatient | none |
| Psychiatric treatment | HKD 40,000 per Policy Year p.63 |
| Diagnostic imaging coinsurance | 30%, waived if performed at a Designated Diagnostic Imaging Centre under specific conditions p.63 |
| Non-surgical cancer treatment | HKD 225,000 per Policy Year p.63 |
| Kidney dialysis | HKD 200,000 per Policy Year p.64 |
| Day case procedures | Covered as in-patient, subject to individual benefit limits p.19 |
| Home nursing | 15 visits per Confinement (within 90 days), HKD 1,760 per visit, up to HKD 35,000 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) post-discharge, subject to limits of HKD 2,000 per visit, up to HKD 29,000 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.25 |
| Hospital cash | HKD 1,200 per day of Confinement, maximum 180 days per Policy Year p.63 |
| Companion bed | Full cover per day, maximum 180 days per Policy Year p.64 |
| Direct billing and pre-authorisation | Available through Healthcare Network Providers with pre-approval p.2 |
| No-claim discount | Health Discount: 8% for 2-4 consecutive claim-free years, 16% for 5+ consecutive claim-free years p.17 |
| Exclusions beyond the VHIS standard list | dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents; venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); purchase of durable medical equipment or appliances 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$18,780 to HK$23,481.
| 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.