Manulife Supreme VHIS Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00041-07-000-03. It entitles the insured to a ward room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$4,937 |
| 45 | HK$7,540 |
| 60 | HK$15,712 |
| 75 | HK$41,626 |
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 | First 30 days of the first Policy Year no coverage; 31st day of the first Policy Year onwards full coverage p.22 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period, provided no benefit payment has been made or is impending p.4 |
| Switching from another plan | Allowed to switch to plans with upgraded/additional benefits (re-underwriting limited to new benefits) or downgraded/reduced benefits (no re-underwriting, but company discretion) p.14 |
| Room class | General Ward in Hong Kong, Australia, New Zealand; Semi-private Room elsewhere p.64 |
| If a higher room is used | Ward Class Adjustment Factor applied: Standard Private Room Above Standard Private Room 25%; Semi-private Room Standard Private Room 50%; Semi-private Room Above Standard Private Room 25%; General Ward Semi-private Room 50%; General Ward Standard Private Room or above 25% 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, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, Vietnam) p.64 |
| Psychiatric treatment area | Hong Kong and Macau only p.64 |
| 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.67 |
| Deductible options | 22800; 0 (at certain ages) p.64 |
| How the deductible applies | Per Policy Year; can be reduced to 0 once at ages 50, 55, 60, 65, 70, 75, 80, or 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 outpatient visit/emergency consultation more than 30 days before confinement/day case procedure p.65 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge/day case procedure; within 365 days if major/complex surgery or Designated Critical Illness p.65 |
| General outpatient | none |
| Psychiatric treatment | Full cover (subject to Annual and Lifetime Benefit Limits) 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 in-patient for various benefits p.19 |
| Home nursing | Full cover, max 30 days per policy year, 2 visits per day (within 120 days after discharge from hospital following surgery or ICU admission) p.66 |
| Hospice care | 80,000 per Policy Year p.66 |
| Chinese medicine | HKD600 per visit, max 20 visits per policy year, 1 visit per day (within 90 days after discharge from hospital following surgery or day case procedure) p.66 |
| Physiotherapy | HKD1,000 per visit, max 30 visits per policy year, 1 visit per day for follow-up outpatient visits; max 3 follow-up visits for physiotherapy within 90 days after discharge/day case procedure p.66 |
| Congenital conditions | Covered if manifested or diagnosed at or after 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 p.66 |
| Hospital cash | none p.53 |
| Companion bed | Full cover p.66 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | 8% for 2-4 consecutive claim-free policy years; 16% for 5+ consecutive claim-free policy years p.60 |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); sex reassignment; sexual dysfunction; purchase of durable medical equipment or appliances; other forms of alternative treatment including 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 +6.8% a year, taking the premium from HK$6,277 to HK$7,540.
| 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.