Manulife Supreme VHIS Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00041-12-000-01. It entitles the insured to a private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$12,460 |
| 45 | HK$19,711 |
| 60 | HK$43,129 |
| 75 | HK$98,100 |
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 first 30 days of first policy year, full coverage from 31st day of 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. p.4 |
| Switching from another plan | Allowed to switch to plans with upgraded/added benefits (re-underwriting limited to new benefits) or downgraded/reduced benefits (no re-underwriting, discretion to accept/reject). p.14 |
| Room class | Standard Private Room p.64 |
| If a higher room is used | If higher than Designated Ward Class: Above Standard Private Room 25% adjustment; Standard Private Room 50% adjustment (if Designated Ward Class is Semi-private Room); Semi-private Room 25% adjustment (if Designated Ward Class is Semi-private Room); Semi-private Room 50% adjustment (if Designated Ward Class is General Ward); Standard Private Room or above 25% adjustment (if Designated Ward Class is General Ward). 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 | 30000000 p.66 |
| Lifetime limit | 120000000 p.66 |
| Deductible options | 0, 22800 p.24 |
| 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.65 |
| Pre-admission outpatient | Full cover for all prior outpatient visits or emergency consultations within 30 days before confinement/day case procedure; 1 prior outpatient visit or 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; or within 365 days if major/complex surgery or Designated Critical Illness. p.65 |
| General outpatient | none |
| Psychiatric treatment | Full cover, subject to deductible, annual and lifetime limits p.66 |
| Diagnostic imaging coinsurance | 0% p.65 |
| Non-surgical cancer treatment | Full cover, subject to deductible, annual and lifetime limits p.65 |
| Kidney dialysis | Full cover, subject to deductible, annual and lifetime limits p.66 |
| Day case procedures | Covered as in-patient for various benefits, subject to limits 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 | 132000 per Policy Year p.66 |
| Chinese medicine | HKD800 per visit, maximum 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 | Full cover for maximum 3 follow-up visits within 90 days after discharge/day case procedure; or HKD1,600 per visit, maximum 30 visits per policy year, 1 visit per day, within 90 days or 365 days if major/complex surgery or critical illness. p.66 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.25 |
| Pregnancy complications | Full cover, subject to deductible, annual and lifetime limits, if first diagnosis is at least 12 months after Policy Effective Date. p.10 |
| Emergency dental | Full cover for emergency treatment and follow-up due to injury to natural tooth/teeth within 14 days of an accident, subject to deductible, annual and lifetime limits. p.10 |
| Hospital cash | HKD1,600 per 24-hour period for confinement in a lower ward class of a private hospital in Hong Kong and Macau. p.66 |
| Companion bed | Full cover for one extra bed for one companion during confinement, subject to deductible, annual and lifetime limits. p.5 |
| 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 | Traditional Chinese medicine, except post-surgical/day case procedure outpatient care p.10 |
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$19,711 to HK$19,711.
| 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.