Manulife Supreme VHIS Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00041-04-000-04. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$5,729 |
| 45 | HK$8,594 |
| 60 | HK$17,995 |
| 75 | HK$44,453 |
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 if cancelled within 21-day cooling-off period, provided no benefit payment has been made. After cooling-off, Policy Holder can cancel with 30 days prior written notice if no benefit payment during the relevant Policy Year. p.4 |
| Switching from another plan | Policy Holder can request to switch to another insurance plan with downgrade or reduction of benefits, Company has discretion to accept or reject. Company cannot re-underwrite or terminate if rejected. p.14 |
| Room class | Confinement in Hong Kong, Australia and New Zealand: Semi-private Room; Confinement in anywhere else in the world except Hong Kong, Australia and New Zealand: Standard Private Room p.64 |
| If a higher room is used | If a higher ward class is used, benefits are subject to a Ward Class Adjustment Factor of 25% or 50% depending on the class difference. Not applied if due to medical necessity or room shortage in emergency. p.37 |
| Geographical cover | Asia p.64 |
| Psychiatric treatment area | Hong Kong and Macau only p.21 |
| Emergency treatment abroad | Covered, Eligible Expenses and/or other expenses incurred shall be payable in accordance with these Terms and Benefits. p.36 |
| Full cover on core benefits | yes p.67 |
| Annual limit | 12000000 p.3 |
| Lifetime limit | 60000000 p.3 |
| Deductible options | 45000 p.64 |
| How the deductible applies | Per Policy Year. Policy Holder may request to reduce deductible at ages 50, 55, 60, 65, 70, 75, 80, or 85 once during lifetime, including a zero deductible option. p.24 |
| Coinsurance | none p.67 |
| 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. Full cover. p.2 |
| Post-discharge outpatient | All follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure. Full cover. p.2 |
| General outpatient | none |
| Psychiatric treatment | Full cover p.2 |
| Diagnostic imaging coinsurance | 0% p.2 |
| Non-surgical cancer treatment | Full cover p.2 |
| Kidney dialysis | Full cover for outpatient kidney dialysis p.6 |
| Day case procedures | Covered as in-patient. Cash benefit for designated Day Case Procedures: $1,000 per day. p.18 |
| 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.6 |
| Hospice care | $80,000 per Policy Year p.9 |
| 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.7 |
| Physiotherapy | Full cover for chiropractic treatment, physiotherapy, occupational therapy or speech therapy: Maximum 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) p.2 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8. p.25 |
| Pregnancy complications | Full cover, provided that the date of first diagnosis is at least 12 months after the Policy Effective Date. p.9 |
| Emergency dental | Full cover for Emergency Treatment and follow-up dental treatments arising from Injury to natural tooth/teeth within 14 days of an Accident. p.10 |
| Hospital cash | $1,000 per continuous twenty-four (24) hours period for Confinement in lower ward class of a private Hospital in Hong Kong and Macau. p.18 |
| Companion bed | Full cover for one (1) extra bed for one (1) person who accompanies the Insured Person in the Hospital during the Confinement. p.5 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | 8% for 2-4 consecutive Policy Years without claims; 16% for 5 or more consecutive Policy Years without claims. p.60 |
| Exclusions beyond the VHIS standard list | Treatments, procedures, medications, tests or services which are not Medically Necessary; Prophylactic treatment or preventive care; Purchase of durable medical equipment or appliances; Other forms of alternative treatment including hypnotism, qigong, massage therapy, aromatherapy, naturopathy, homeotherapy; Eligible Expenses reimbursed under any law, medical program or other insurance policy p.23 |
At a constant age of 45, Manulife has filed 3 schedule changes on this plan since 2021, an average of +3.6% a year, taking the premium from HK$7,377 to HK$8,594.
| Year | Change |
|---|---|
| 2023 | +0.1% |
| 2024 | +6.0% |
| 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.