Manulife Supreme Lite VHIS Supplementary Benefit is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00071-03-000-03. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$4,349 |
| 45 | HK$6,668 |
| 60 | HK$13,892 |
| 75 | HK$32,880 |
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 | Semi-private |
|---|---|
| Geographical cover | asia |
| Annual limit | HK$12,000,000 |
| Lifetime limit | HK$60,000,000 |
| 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.14 |
|---|---|
| Pre-existing conditions unknown at application | 0% for first 30 days of policy year 1, 100% from day 31 of policy year 1 p.25 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefits paid. After cooling-off, 30 days written notice required, no refund if benefits paid in policy year. p.4 |
| Switching from another plan | Switching to another plan with upgraded benefits is possible, but re-underwriting applies to the upgraded benefits. p.17 |
| Room class | Semi-private in HK, Australia, NZ; Standard Private elsewhere p.73 |
| If a higher room is used | 25% or 50% Ward Class Adjustment Factor applied depending on the room class difference p.2 |
| Geographical cover | Asia p.73 |
| Psychiatric treatment area | Hong Kong and Macau only p.24 |
| Emergency treatment abroad | Covered p.1 |
| Full cover on core benefits | yes p.4 |
| Annual limit | 12000000 p.3 |
| Lifetime limit | 60000000 p.3 |
| Deductible options | 0, 50000 p.73 |
| How the deductible applies | Per policy year, can be reduced once at ages 50, 55, 60, 65, 70, 75, 80, or 85 to a lower available option, including 0 p.32 |
| Coinsurance | none |
| Pre-admission outpatient | Full cover for all prior outpatient visits within 30 days before confinement/day case procedure, or 1 visit more than 30 days before p.2 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge, or 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 equivalent p.21 |
| Home nursing | Full cover, max 30 days per policy year, 2 visits per day (within 120 days post-discharge) p.3 |
| Hospice care | 80000 per Policy Year p.3 |
| Chinese medicine | HKD600 per visit, max 20 visits per policy year (within 90 days post-discharge from surgery) p.3 |
| Physiotherapy | HKD1,000 per visit, max 30 visits per policy year p.3 |
| Congenital conditions | Not covered if manifested or diagnosed before age 8 p.29 |
| Pregnancy complications | Full cover, if 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 teeth within 14 days of accident p.3 |
| Hospital cash | HKD1,000 per 24-hour period for confinement in a lower ward class of a private hospital p.3 |
| Companion bed | Full cover p.3 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Expenses incurred for the purchase of durable medical equipment or appliances p.28 |
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.