Manulife Supreme VHIS Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00041-05-000-03. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$3,899 |
| 45 | HK$6,241 |
| 60 | HK$13,098 |
| 75 | HK$31,033 |
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 if cancelled within 21-day cooling-off period. After cooling-off, cancellation requires 30 days written notice, no refund if benefits paid in policy year. p.4 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits) or downgrade/reduction of benefits (no re-underwriting, 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 | Benefits are subject to a Ward Class Adjustment Factor ranging from 25% to 50% depending on the higher room class used. p.37 |
| Geographical cover | Asia 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.67 |
| Lifetime limit | 60000000 p.67 |
| Deductible options | 0, 100000 p.24 |
| How the deductible applies | Per policy year, can be reduced at ages 50, 55, 60, 65, 70, 75, 80, 85 p.28 |
| Coinsurance | none p.66 |
| Pre-admission outpatient | Full cover for all prior outpatient visits or emergency consultations within 30 days before confinement/day case procedure, and 1 prior visit more than 30 days before. p.66 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge/day case procedure, or within 365 days for major/complex surgery or Designated Critical Illnesses. p.66 |
| General outpatient | none |
| Psychiatric treatment | Full cover during confinement in Hong Kong and Macau p.66 |
| Diagnostic imaging coinsurance | 0% p.66 |
| Non-surgical cancer treatment | Full cover p.66 |
| Kidney dialysis | Full cover p.67 |
| Day case procedures | Covered as in-patient for various benefits; HKD1,000 per day cash benefit for designated Day Case Procedures p.19 |
| Home nursing | Full cover, maximum 30 days per policy year, 2 visits per day (within 120 days post-discharge) p.67 |
| Hospice care | HKD80,000 per Policy Year p.67 |
| Chinese medicine | HKD600 per visit, maximum 20 outpatient visits per policy year (within 90 days post-discharge) p.67 |
| Physiotherapy | Full cover for maximum 3 follow-up visits (within 90 days post-discharge) under basic benefits; HKD1,000 per visit, maximum 30 visits per policy year (within 90 or 365 days post-discharge) under enhanced benefits. p.66 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.25 |
| Pregnancy complications | Full cover for surgical procedures for Covered Pregnancy Complications, provided first diagnosis is at least 12 months after policy effective date. p.10 |
| Emergency dental | Full cover p.67 |
| Hospital cash | HKD1,000 per 24-hour period for confinement in a lower ward class of a private hospital p.66 |
| Companion bed | Full cover p.67 |
| Direct billing and pre-authorisation | Pre-authorisation for claimable amount estimate is available. p.16 |
| No-claim discount | 8% for 2-4 consecutive claim-free years; 16% for 5 or more consecutive claim-free years p.25 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); Purchase of durable medical equipment (e.g. air purifiers, exercise equipment, spectacles); Traditional Chinese medicine (e.g. herbal, bone-setting, acupuncture, tui na); Other alternative treatments (e.g. hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy). p.24 |
At a constant age of 45, Manulife has filed 2 schedule changes on this plan since 2021, an average of +5.6% a year, taking the premium from HK$5,362 to HK$6,241.
| Year | Change |
|---|---|
| 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.