Manulife First VHIS Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00019-03-002-07. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$21,363 |
| 45 | HK$37,975 |
| 60 | HK$55,796 |
| 75 | HK$113,492 |
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.13 |
|---|---|
| Pre-existing conditions unknown at application | 0% for first 30 days of first Policy Year, 100% 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, no refund if benefits paid, otherwise not specified p.4 |
| Switching from another plan | Allowed to switch to another plan with upgrade or addition of benefits (re-underwriting limited to new benefits) or downgrade/reduction of benefits (Company discretion) p.14 |
| Room class | Private Room p.63 |
| If a higher room is used | Ward Class Adjustment Factor applied to supplementary medical benefit: 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 which have specific territorial limits p.17 |
| Psychiatric treatment area | Hong Kong only p.22 |
| Emergency treatment abroad | Covered worldwide, subject to Location Adjustment Factor for supplementary medical benefit p.17 |
| Full cover on core benefits | no p.63 |
| Annual limit | Before Age 76: HKD 630,000 per Disability per Policy Year; On or after Age 76: HKD 661,500 per Disability per Policy Year (for supplementary medical benefit) p.64 |
| Lifetime limit | none p.17 |
| Deductible options | none |
| How the deductible applies | none |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests; 20% for supplementary medical benefit (Non-network Benefit) p.63 |
| Pre-admission outpatient | 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure, up to HKD 29,000 per Policy Year p.63 |
| Post-discharge outpatient | 10 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge), up to HKD 29,000 per Policy Year p.63 |
| General outpatient | none p.25 |
| Psychiatric treatment | HKD 40,000 per Policy Year p.63 |
| Diagnostic imaging coinsurance | 30%, waived if performed at a Designated Diagnostic Imaging Centre and conditions are met p.63 |
| Non-surgical cancer treatment | HKD 225,000 per Policy Year p.63 |
| Kidney dialysis | HKD 200,000 per Policy Year p.63 |
| Day case procedures | Covered as in-patient, subject to individual benefit limits p.18 |
| Home nursing | HKD 1,760 per visit, up to HKD 35,000 per Policy Year, for 15 follow-up nursing visits within 90 days after discharge p.63 |
| 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, up to HKD 29,000 per Policy Year p.63 |
| 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 1,200 per day of Confinement, maximum 180 days per Policy Year, if expenses reimbursed by other plans p.63 |
| Companion bed | Full cover per day, maximum 180 days per Policy Year p.63 |
| Direct billing and pre-authorisation | Available through Healthcare Network Provider with credit facility arrangements and pre-approval p.2 |
| 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 | Hair Mineral Analysis (HMA); Traditional Chinese medicine and other alternative treatments 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$30,372 to HK$37,975.
| 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.