Manulife Supreme Lite VHIS Supplementary Benefit is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00071-06-000-03. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$656 |
| 45 | HK$1,012 |
| 60 | HK$2,109 |
| 75 | HK$5,656 |
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$1,500,000 |
| Lifetime limit | HK$7,500,000 |
| 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 31st day of Policy Year 1 p.25 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period, provided no benefit payment has been made p.4 |
| Switching from another plan | Switching to upgrade benefits requires re-underwriting limited to new benefits; switching to downgrade benefits does not require re-underwriting but is subject to company discretion p.16 |
| Room class | Semi-private Room (HK, Australia, NZ); Standard Private Room (rest of world except HK, Australia, NZ) p.73 |
| If a higher room is used | Ward Class Adjustment Factor applied: 25% or 50% reduction depending on the room class difference p.2 |
| Geographical cover | Asia for non-emergency; Worldwide for Enhanced benefits (xv); Worldwide except Asia for Late Stage Cancer 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.76 |
| Annual limit | 1,500,000 USD p.75 |
| Lifetime limit | 7,500,000 USD p.75 |
| Deductible options | 0, 3125 USD p.28 |
| How the deductible applies | Per policy year, can be reduced at ages 50, 55, 60, 65, 70, 75, 80, 85 p.28 |
| Coinsurance | none p.74 |
| Pre-admission outpatient | Full cover for all prior outpatient visits/emergency consultations within 30 days before confinement/day case procedure; 1 prior visit/consultation more than 30 days before p.74 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge/day case procedure; within 365 days for major/complex surgery or Designated Critical Illnesses p.74 |
| General outpatient | none |
| Psychiatric treatment | Full cover p.74 |
| Diagnostic imaging coinsurance | 0% p.74 |
| Non-surgical cancer treatment | Full cover p.74 |
| Kidney dialysis | Full cover p.75 |
| Day case procedures | Covered as in-patient, cash benefit of 125 USD per day for designated procedures p.75 |
| Home nursing | Full cover, max 30 days per policy year, 2 visits per day (within 120 days post-discharge) p.75 |
| Hospice care | 10,000 USD per Policy Year p.75 |
| Chinese medicine | 75 USD per visit, max 20 visits per policy year (within 90 days post-discharge) p.75 |
| Physiotherapy | Max 3 follow-up visits (full cover) within 90 days post-discharge; Additional 125 USD per visit, max 30 visits per policy year (within 90 or 365 days post-discharge) p.74 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.29 |
| Pregnancy complications | Full cover, subject to 12-month waiting period from policy effective date p.12 |
| Emergency dental | Full cover for emergency treatment and follow-up due to injury to natural teeth within 14 days of accident p.12 |
| Hospital cash | 125 USD per 24-hour period for confinement in a lower ward class of a private hospital p.75 |
| Companion bed | Full cover p.75 |
| Direct billing and pre-authorisation | Pre-authorisation available for claimable amount estimate p.18 |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances; Expenses reimbursed under any other law, medical program, or insurance policy; Traditional Chinese medicine (except post-surgical/day case) and other alternative treatments (hypnotism, qigong, massage, aromatherapy, naturopathy, homeotherapy) p.26 |
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.