Manulife Supreme VHIS Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00041-06-000-03. It entitles the insured to a ward room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$10,980 |
| 45 | HK$15,734 |
| 60 | HK$32,281 |
| 75 | HK$81,061 |
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 | Ward |
|---|---|
| Geographical cover | asia |
| Annual limit | HK$5,000,000 |
| Lifetime limit | HK$20,000,000 |
| 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 | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period; no refund after cooling-off period p.4 |
| Switching from another plan | Switching to another plan with upgraded/added benefits may involve re-underwriting; switching to downgraded/reduced benefits does not involve re-underwriting but is subject to company discretion p.14 |
| Room class | General Ward in HK, Australia, NZ; Semi-private Room elsewhere p.64 |
| If a higher room is used | 25% or 50% Ward Class Adjustment Factor depending on the designated and actual ward class p.37 |
| Geographical cover | Asia (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, mainland China, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam) p.13 |
| 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 | 5,000,000 p.66 |
| Lifetime limit | 20,000,000 p.66 |
| Deductible options | 0 p.64 |
| How the deductible applies | Per policy year, with option to reduce at ages 50, 55, 60, 65, 70, 75, 80, 85 p.28 |
| Coinsurance | none p.65 |
| Pre-admission outpatient | Full cover for all prior outpatient visits/emergency consultations within 30 days before confinement/day case procedure; 1 prior visit/consultation more than 30 days before p.65 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge/day case procedure; within 365 days for major/complex surgery or 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 p.66 |
| Day case procedures | Covered as per relevant benefit items, including room and board, miscellaneous charges, surgeon's fee, imaging, cancer treatment, and pre/post-op care p.28 |
| Home nursing | Full cover, max 30 days per policy year, 2 visits per day (within 120 days post-discharge from hospital following surgery or ICU admission) p.66 |
| Hospice care | 80,000 HKD per Policy Year p.66 |
| Chinese medicine | 600 HKD per visit, max 20 visits per policy year, 1 visit per day (within 90 days post-discharge from hospital following surgery or day case procedure) p.66 |
| Physiotherapy | Full cover for max 3 follow-up visits per confinement/day case procedure (within 90 days post-discharge), then 1,000 HKD per visit for max 30 visits per policy year p.65 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.25 |
| Pregnancy complications | Full cover, provided first diagnosis is at least 12 months after policy effective date p.66 |
| Emergency dental | Full cover for emergency treatment and follow-up due to injury to natural teeth within 14 days of an accident p.66 |
| Hospital cash | 1,000 HKD per day for designated Day Case Procedures p.66 |
| Companion bed | Full cover p.66 |
| No-claim discount | 8% for 2-4 consecutive claim-free years, 16% for 5+ consecutive claim-free years p.25 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.24 |
At a constant age of 45, Manulife has filed 2 schedule changes on this plan since 2021, an average of +6.8% a year, taking the premium from HK$13,099 to HK$15,734.
| Year | Change |
|---|---|
| 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.