Manulife Supreme VHIS Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00041-11-000-01. It entitles the insured to a private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$16,754 |
| 45 | HK$24,007 |
| 60 | HK$55,566 |
| 75 | HK$131,685 |
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 | No coverage for the first 30 days of the first Policy Year; full coverage from the 31st day of the first Policy Year onwards. p.22 |
| Waiting period | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment has been made or is impending. p.4 |
| Switching from another plan | Switching to a plan with downgraded or reduced benefits does not trigger re-underwriting, but is subject to company discretion. p.14 |
| Room class | Standard Private Room p.64 |
| If a higher room is used | Benefits are reduced by a Ward Class Adjustment Factor (25% or 50%) if a higher room class is used, depending on the designated and actual room class. p.37 |
| Geographical cover | Worldwide excluding United States 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.64 |
| Annual limit | 30,000,000 p.65 |
| Lifetime limit | 120,000,000 p.65 |
| Deductible options | 8000, 0 (at specific ages) p.64 |
| How the deductible applies | Per policy year, with an option to reduce to 0 at ages 50, 55, 60, 65, 70, 75, 80, or 85. p.28 |
| Coinsurance | none p.64 |
| Pre-admission outpatient | Full cover for all prior outpatient visits or emergency consultations within 30 days before confinement/day case procedure, and 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 if 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 in-patient, with a cash benefit of $1,600 per day for designated procedures. p.19 |
| Home nursing | Full cover, maximum 90 days per policy year, 2 visits per day, within 180 days after discharge from hospital following surgery or ICU admission. p.66 |
| Hospice care | 132,000 per Policy Year p.66 |
| Chinese medicine | $800 per visit, maximum 20 outpatient visits per policy year, 1 visit per day, within 90 days after discharge from hospital following surgery or day case procedure. p.66 |
| Physiotherapy | Maximum 3 follow-up outpatient visits (full cover) within 90 days post-discharge, and an additional $1,600 per visit for up to 30 visits per policy year. p.65 |
| Congenital conditions | Covered if manifested or diagnosed 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 for emergency treatment and follow-up due to injury to natural teeth within 14 days of an accident. p.66 |
| Hospital cash | $1,600 per 24-hour period for confinement in a lower ward class of a private hospital in Hong Kong or Macau. p.65 |
| Companion bed | Full cover p.65 |
| Direct billing and pre-authorisation | Pre-authorisation for claimable amount estimate is available. p.16 |
| No-claim discount | 8% discount for 2-4 consecutive claim-free years, 16% discount for 5+ consecutive claim-free years. p.25 |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment (e.g., wheelchairs, oxygen devices, spectacles); Traditional Chinese medicine (herbal, bone-setting, acupuncture, tui na) except post-surgical/day case; Other alternative treatments (e.g., hypnotism, qigong, massage, aromatherapy). p.24 |
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$24,007 to HK$24,007.
| 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.