Manulife Supreme VHIS Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00041-09-000-03. It entitles the insured to a ward room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$2,698 |
| 45 | HK$4,320 |
| 60 | HK$8,865 |
| 75 | HK$25,939 |
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.12 |
|---|---|
| Pre-existing conditions unknown at application | First 30 days of the first Policy Year no coverage; from 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 and no benefit paid; after cooling-off, cancellation with 30 days written notice if no benefit paid in current 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, but Company discretion to accept/reject) p.14 |
| Room class | General Ward in Hong Kong, Australia and New Zealand; Semi-private Room elsewhere p.64 |
| If a higher room is used | If higher than Designated Ward Class: Standard Private Room above Standard Private Room 25% adjustment; Semi-private Room to Standard Private Room 50% adjustment; Semi-private Room above Standard Private Room 25% adjustment; General Ward to Semi-private Room 50% adjustment; General Ward to Standard Private Room or above 25% adjustment. 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.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.3 |
| Annual limit | 5000000 p.3 |
| Lifetime limit | 20000000 p.4 |
| Deductible options | 0, 100000 p.64 |
| How the deductible applies | Per Policy Year; can be reduced to 0 at 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 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 p.2 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge or Day Case Procedure; within 365 days if major/complex surgery or Designated Critical Illnesses 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 p.3 |
| Day case procedures | Covered as in-patient; HKD1,000 per day cash benefit for designated Day Case Procedures (oesophago-gastro-duodenoscopy and colonoscopy) p.19 |
| 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.3 |
| Hospice care | HKD80,000 per Policy Year p.3 |
| Chinese medicine | HKD600 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.3 |
| Physiotherapy | Full cover for 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 first diagnosis is at least 12 months after Policy Effective Date p.3 |
| Emergency dental | Full cover for emergency treatment and follow-up due to injury to natural tooth/teeth within 14 days of an Accident p.3 |
| Hospital cash | none p.18 |
| Companion bed | Full cover p.3 |
| 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.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$3,711 to HK$4,320.
| 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.