Manulife Supreme VHIS Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00041-02-000-06. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$11,370 |
| 45 | HK$17,054 |
| 60 | HK$35,705 |
| 75 | HK$82,126 |
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 | No coverage for first 30 days of first Policy Year; full coverage from 31st day of first Policy Year onwards p.22 |
| Waiting period | 30 days for unknown pre-existing conditions p.22 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no claim; after cooling-off, 30 days written notice required if no claim in policy year; pro-rata refund for death or company ceasing authorization p.4 |
| Switching from another plan | Switching to upgrade plan requires re-underwriting for upgraded benefits; switching to downgrade plan does not require re-underwriting but is subject to company discretion p.14 |
| Room class | Semi-private in HK, Australia, NZ; Standard Private elsewhere p.64 |
| If a higher room is used | Ward Class Adjustment Factor applied: 25% or 50% reduction depending on designated and actual room class p.37 |
| Geographical cover | Asia, except psychiatric treatment (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 p.36 |
| Full cover on core benefits | yes p.67 |
| Annual limit | 12000000 p.66 |
| Lifetime limit | 60000000 p.66 |
| Deductible options | 8000 p.64 |
| How the deductible applies | Per policy year, with an option to reduce once at ages 50, 55, 60, 65, 70, 75, 80, or 85 p.59 |
| 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 p.65 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days (or 365 days for major/complex surgery or critical illnesses) after discharge or day case procedure p.65 |
| General outpatient | none |
| Psychiatric treatment | Full cover p.65 |
| Diagnostic imaging coinsurance | 0% p.65 |
| Non-surgical cancer treatment | Full cover p.65 |
| Kidney dialysis | Full cover p.40 |
| Day case procedures | Covered as per relevant benefit items p.28 |
| Home nursing | Full cover, max 30 days per policy year, 2 visits per day (within 120 days post-discharge) p.66 |
| Hospice care | 80000 per Policy Year p.66 |
| Chinese medicine | $600 per visit, max 20 visits per policy year (within 90 days post-discharge from surgery/day case procedure), excludes certain TCM p.66 |
| Physiotherapy | Full cover for max 3 follow-up visits (within 90 days post-discharge) under additional ancillary benefit; also covered under pre/post-confinement care p.65 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.25 |
| Pregnancy complications | Full cover for Covered Pregnancy Complications, if first diagnosed at least 12 months after Policy Effective Date p.44 |
| Emergency dental | Full cover for emergency dental treatment due to injury to natural teeth within 14 days of an accident p.45 |
| Hospital cash | $1,000 per 24 hours for confinement in a lower ward class in HK/Macau private hospitals p.53 |
| Companion bed | Full cover for one extra bed for one companion during confinement p.40 |
| Direct billing and pre-authorisation | Pre-authorization for claimable amount estimate available p.16 |
| No-claim discount | 8% for 2-4 consecutive claim-free years; 16% for 5+ consecutive claim-free years p.60 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine (except post-surgical/day case outpatient care) and other alternative treatments 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$13,255 to HK$17,054.
| 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.