Manulife Supreme VHIS Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00041-03-000-06. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$6,569 |
| 45 | HK$9,856 |
| 60 | HK$20,636 |
| 75 | HK$50,975 |
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 | 30 days for pre-existing conditions unknown at application p.22 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit paid; After cooling-off, cancellation with 30 days prior written notice, no refund if benefit paid in relevant Policy Year p.4 |
| Switching from another plan | Policy Holder can switch to another insurance plan which provides downgrade or reduction of benefits without re-underwriting; re-underwriting applies for upgrade or addition of benefits p.14 |
| Room class | Semi-private Room (Hong Kong, Australia and New Zealand); Standard Private Room (anywhere else in the world except Hong Kong, Australia and New Zealand) p.64 |
| If a higher room is used | Ward Class Adjustment Factor of 25% or 50% applied to benefits if higher ward class is used due to personal preference p.37 |
| Geographical cover | Asia p.64 |
| Psychiatric treatment area | Hong Kong and Macau only p.21 |
| Emergency treatment abroad | Covered p.36 |
| Full cover on core benefits | partial p.65 |
| Annual limit | 12000000 p.66 |
| Lifetime limit | 60000000 p.66 |
| Deductible options | 22800 p.64 |
| How the deductible applies | Per Policy Year; reduction options available at ages 50, 55, 60, 65, 70, 75, 80, 85 p.24 |
| Coinsurance | none p.65 |
| Pre-admission outpatient | 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 | All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure; All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure if surgical procedure categorised as major or complex or direct result of Designated Critical Illnesses 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 for outpatient kidney dialysis p.6 |
| Day case procedures | Covered as in-patient; Cash benefit for designated Day Case Procedures of $1,000 per day p.53 |
| 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 | $80,000 per Policy Year p.66 |
| Chinese medicine | $600 per visit, Maximum 20 outpatient visits per Policy Year, 1 visit per day (within 90 days after discharge from Hospital following a surgical procedure or completion of Day Case Procedure) p.66 |
| Physiotherapy | Full cover for 3 follow-up outpatient visits in total per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure); $1,000 per visit, Maximum 30 outpatient visits per Policy Year, 1 visit per day for additional post-Confinement/Day Case Procedure outpatient ancillary benefit p.65 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.25 |
| Pregnancy complications | Full cover for Covered Pregnancy Complications, provided first diagnosis is at least 12 months after Policy Effective Date p.66 |
| Emergency dental | Full cover for Emergency Treatment and follow-up dental treatments arising from Injury to natural tooth/teeth caused by Accident, received within 14 days of Accident p.66 |
| Hospital cash | $1,000 per continuous twenty-four (24) hours period for Confinement in a ward class below the Designated Ward Class of a Hong Kong and Macau private Hospital p.65 |
| Companion bed | Full cover p.66 |
| Second medical opinion | available p.11 |
| Direct billing and pre-authorisation | Pre-authorisation is implied by the claimable amount estimate process p.16 |
| No-claim discount | Health Discount of 8% for 2-4 consecutive claim-free Policy Years, 16% for 5 or more consecutive claim-free Policy Years p.60 |
| Exclusions beyond the VHIS standard list | Expenses for treatments not Medically Necessary; Disability from dependence, overdose, illegal activity, venereal disease; Prophylactic treatment or preventive care; Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment (except post-surgical/Day Case Procedure outpatient care) p.24 |
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$7,661 to HK$9,856.
| 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.