Manulife Supreme VHIS Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00041-01-000-06. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$16,437 |
| 45 | HK$24,729 |
| 60 | HK$54,626 |
| 75 | HK$119,056 |
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 | asia |
| Annual limit | HK$12,000,000 |
| Lifetime limit | HK$60,000,000 |
| Room and board | Paid in full |
| Hospital charges | Paid in full |
| Doctor's visits | Paid in full |
| Specialist fees | Paid in full |
| Intensive care | Paid in full |
| Surgeon's fee | Paid in full |
| Anaesthetist | Paid in full |
| Operating theatre | Paid in full |
| Diagnostic imaging | Paid in full |
| Non-surgical cancer treatment | Paid in full |
| Outpatient before and after | Paid in full |
| Psychiatric treatment | Paid in full |
Also includes outpatient general, dental, maternity, chinese medicine, home nursing, a companion bed, hospital cash, rehabilitation, hospice care, kidney dialysis, reconstructive surgery, 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 | First thirty (30) days of the first Policy Year no coverage, Thirty-first (31st) day of the first Policy Year onwards full coverage p.22 |
| Waiting period | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period (unless benefits paid). After cooling-off, cancellation with 30 days' written notice, no refund if benefits paid in current policy year. p.4 |
| Switching from another plan | Policyholder can switch to another plan with upgraded/added benefits (re-underwriting limited to new benefits) or downgraded/reduced benefits (no re-underwriting, company discretion to accept/reject). p.14 |
| Room class | Semi-private Room in Hong Kong, Australia and New Zealand; Standard Private Room elsewhere p.64 |
| If a higher room is used | If higher than Designated Ward Class: Standard Private Room above Standard Private Room 25% adjustment; Semi-private Room above Standard Private Room 25% adjustment; Semi-private Room Standard Private Room 50% adjustment; General Ward Semi-private Room 50% adjustment; General Ward Standard Private Room or above 25% adjustment p.37 |
| Geographical cover | Asia, except psychiatric treatments and cash benefit for lower ward class in Hong Kong and Macau only, and Non-conventional Treatment for Covered Cancer worldwide p.64 |
| Psychiatric treatment area | Hong Kong and Macau only p.21 |
| Emergency treatment abroad | Covered in accordance with these Terms and Benefits p.36 |
| Full cover on core benefits | yes p.67 |
| Annual limit | 12000000 p.66 |
| Lifetime limit | 60000000 p.66 |
| Deductible options | 0 p.64 |
| How the deductible applies | Per Policy Year. Policyholder can request to reduce deductible at ages 50, 55, 60, 65, 70, 75, 80, or 85 once during lifetime. p.28 |
| Coinsurance | none p.65 |
| Pre-admission outpatient | Full cover for all prior outpatient visits or emergency consultations within 30 days before each confinement or day case procedure; 1 prior outpatient visit or emergency consultation more than 30 days before each confinement or day case procedure. p.65 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge or day case procedure; within 365 days if major/complex surgery or Designated Critical Illnesses. p.65 |
| General outpatient | none |
| Psychiatric treatment | Full cover p.65 |
| Diagnostic imaging coinsurance | none p.65 |
| Non-surgical cancer treatment | Full cover p.65 |
| Kidney dialysis | Full cover p.66 |
| Day case procedures | Covered as in-patient; cash benefit of HKD1,000 per day for designated Day Case Procedures (oesophago-gastro-duodenoscopy and colonoscopy). p.65 |
| Home nursing | Full cover, maximum 30 days per policy year, 2 visits per day (within 120 days after discharge from Hospital following a surgical procedure or admission to Intensive Care Unit). p.66 |
| Hospice care | HKD80,000 per Policy Year p.66 |
| Chinese medicine | HKD600 per visit, maximum 20 outpatient visits per policy year, 1 visit per day (within 90 days after discharge from hospital following surgery or day case procedure). p.66 |
| Physiotherapy | HKD1,000 per visit, maximum 30 outpatient visits per policy year, 1 visit per day for chiropractic treatment, physiotherapy, occupational therapy or speech therapy. p.66 |
| Congenital conditions | Covered from age 8 p.25 |
| Pregnancy complications | Full cover for specified complications, subject to 12-month waiting period from policy effective date. p.66 |
| Emergency dental | Full cover for emergency treatment and follow-up due to injury to natural tooth/teeth within 14 days of an accident. p.66 |
| Hospital cash | HKD1,000 per continuous 24-hour period for confinement in a lower ward class of a Hong Kong and Macau private hospital. p.65 |
| Companion bed | Full cover p.66 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | 8% for 2-4 consecutive claim-free policy years; 16% for 5 or more consecutive claim-free policy years. p.25 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.23 |
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$19,221 to HK$24,729.
| Year | Change |
|---|---|
| 2022 | +7.0% |
| 2023 | +0.1% |
| 2024 | +9.4% |
| 2025 | +9.8% |
| 2026 | no change |
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.