Manulife Supreme VHIS Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00041-10-000-01. It entitles the insured to a private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$27,990 |
| 45 | HK$42,776 |
| 60 | HK$91,265 |
| 75 | HK$192,544 |
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 | Private |
|---|---|
| Geographical cover | worldwide_ex_us |
| Annual limit | HK$30,000,000 |
| Lifetime limit | HK$120,000,000 |
| 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 | 0% for first 30 days of Policy Year 1, 100% from 31st day of Policy Year 1 p.22 |
| Waiting period | 12 months for pregnancy complications p.9 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no claim; after cooling-off, cancellation with 30 days notice if no claim in policy year; pro-rata refund for current policy year upon death of insured or company ceasing authorization. p.4 |
| Switching from another plan | Switching to another plan with downgrade or reduction of benefits is at company's discretion without re-underwriting. p.14 |
| Room class | Standard Private Room p.64 |
| If a higher room is used | If higher than Designated Ward Class: 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 | Worldwide excluding United States p.64 |
| Psychiatric treatment area | Hong Kong and Macau only p.21 |
| Emergency treatment abroad | Covered p.36 |
| Full cover on core benefits | yes p.64 |
| Annual limit | 30000000 p.65 |
| Lifetime limit | 120000000 p.65 |
| Deductible options | 0 p.64 |
| How the deductible applies | Per policy year, can be reduced once at ages 50, 55, 60, 65, 70, 75, 80, or 85 to a zero deductible option. p.24 |
| 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.65 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge or day case procedure completion; within 365 days for major/complex surgery or Designated Critical Illnesses. p.65 |
| General outpatient | none |
| Psychiatric treatment | Full cover p.65 |
| Diagnostic imaging coinsurance | 0% p.64 |
| Non-surgical cancer treatment | Full cover p.64 |
| Kidney dialysis | Full cover p.65 |
| Day case procedures | Covered as outpatient, HKD1,600 per day cash benefit for designated procedures p.65 |
| Home nursing | Full cover, maximum 90 days per policy year, 2 visits per day (within 180 days after discharge from hospital following a surgical procedure or admission to Intensive Care Unit) p.66 |
| Hospice care | HKD132,000 per Policy Year p.66 |
| Chinese medicine | HKD800 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.66 |
| Physiotherapy | Full cover for 3 follow-up visits (within 90 days post-discharge); additional HKD1,600 per visit, maximum 30 visits per policy year. p.65 |
| 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 accident. p.10 |
| Hospital cash | HKD1,600 per 24-hour period for confinement in a lower ward class of a private hospital p.65 |
| Companion bed | Full cover p.65 |
| No-claim discount | 8% for 2-4 consecutive claim-free policy years; 16% for 5 or more consecutive claim-free policy years p.60 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); specific traditional Chinese medicines (e.g., agaricus blazei murill, cordyceps, ginseng) p.7 |
At a constant age of 45, Manulife has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$42,776 to HK$42,776.
| Year | Change |
|---|---|
| 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.