Manulife Supreme VHIS Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00041-08-000-03. It entitles the insured to a ward room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$3,286 |
| 45 | HK$5,000 |
| 60 | HK$10,835 |
| 75 | HK$31,564 |
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 onwards p.22 |
| Waiting period | 30 days for unknown pre-existing conditions p.22 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no claim; no refund after cooling-off period if claim made in policy year; pro-rata refund upon death of insured or company ceasing authorization p.4 |
| Switching from another plan | Switching to a plan with upgraded/added benefits requires re-underwriting for the new benefits; switching to a plan with downgraded/reduced benefits does not require re-underwriting but is subject to 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 | 25% or 50% Ward Class Adjustment Factor applied depending on the difference in ward class p.37 |
| Geographical cover | Asia p.64 |
| Psychiatric treatment area | Hong Kong and Macau only p.21 |
| Emergency treatment abroad | Covered in accordance with Terms and Benefits p.36 |
| Full cover on core benefits | yes p.67 |
| Annual limit | 5000000 p.66 |
| Lifetime limit | 20000000 p.66 |
| Deductible options | 0, 45000 p.58 |
| How the deductible applies | Per policy year; can be reduced to zero at specific renewal ages (50, 55, 60, 65, 70, 75, 80, 85) p.28 |
| Coinsurance | none p.27 |
| Pre-admission outpatient | Full cover for all prior outpatient visits within 30 days before confinement/day case procedure, or 1 prior visit 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, or within 365 days for major/complex surgery or critical illnesses p.65 |
| General outpatient | none |
| Psychiatric treatment | Full cover during confinement in Hong Kong and Macau p.65 |
| Diagnostic imaging coinsurance | 0% p.65 |
| Non-surgical cancer treatment | Full cover p.65 |
| Kidney dialysis | Full cover for haemodialysis or peritoneal dialysis p.66 |
| Day case procedures | Covered as in-patient for many benefits p.19 |
| Home nursing | Full cover, max 30 days per policy year, 2 visits per day (within 120 days post-discharge from hospital after surgery or ICU) p.66 |
| Hospice care | HKD80,000 per Policy Year p.66 |
| Chinese medicine | HKD600 per visit, max 20 visits per policy year (within 90 days post-discharge from hospital after surgery/day case procedure) p.66 |
| Physiotherapy | HKD1,000 per visit, max 30 visits per policy year (within 90 or 365 days post-discharge depending on condition) p.66 |
| Congenital conditions | Covered from age 8 p.25 |
| Pregnancy complications | Full cover, subject to 12-month waiting period from policy effective date p.9 |
| Emergency dental | Full cover for emergency treatment and follow-up due to injury to natural teeth within 14 days of an accident p.10 |
| Hospital cash | none p.53 |
| Companion bed | Full cover for one extra bed for one companion during confinement p.5 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | 8% for 2-4 consecutive claim-free years, 16% for 5+ consecutive claim-free years p.60 |
| Exclusions beyond the VHIS standard list | Not Medically Necessary treatments; Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment (except post-surgical/day case outpatient care) and other alternative treatments p.23 |
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$4,296 to HK$5,000.
| 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.