Manulife Supreme Lite VHIS Supplementary Benefit is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00071-07-000-03. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$544 |
| 45 | HK$834 |
| 60 | HK$1,737 |
| 75 | HK$4,110 |
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 | First thirty (30) days of the first Policy Year no coverage. Thirty-first (31st) day of the first Policy Year onwards full coverage p.25 |
| Waiting period | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period (no benefit payment made); pro-rata refund for current policy year if terminated due to death or company ceasing authorization p.4 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits) or downgrade/reduction of benefits (no re-underwriting, company discretion to accept/reject) p.16 |
| Room class | Confinement in Hong Kong, Australia and New Zealand: Semi-private Room; Confinement in anywhere else in the world except Hong Kong, Australia and New Zealand: Standard Private Room p.73 |
| 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.2 |
| Geographical cover | Asia (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, mainland China, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam) p.73 |
| Psychiatric treatment area | Hong Kong and Macau only p.73 |
| Emergency treatment abroad | Covered in accordance with these Terms and Benefits p.1 |
| Full cover on core benefits | yes p.76 |
| Annual limit | 1,500,000 USD p.74 |
| Lifetime limit | 7,500,000 USD p.74 |
| Deductible options | 0, 6250 USD p.73 |
| How the deductible applies | Per policy year; can be reduced once at ages 50, 55, 60, 65, 70, 75, 80, or 85 p.32 |
| Coinsurance | none p.74 |
| 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.74 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge/day case procedure; within 365 days if major/complex surgery or Designated Critical Illnesses p.74 |
| General outpatient | none |
| Psychiatric treatment | Full cover p.75 |
| 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 for various benefits; Cash benefit for designated Day Case Procedures: 125 USD per day p.75 |
| Home nursing | Full cover, maximum 30 days per policy year, 2 visits per day (within 120 days after discharge from hospital following surgery or ICU admission) p.75 |
| Hospice care | 10,000 USD per policy year p.75 |
| Chinese medicine | 75 USD 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.75 |
| Physiotherapy | Maximum 3 follow-up outpatient visits (within 90 days after discharge/day case procedure) under pre/post-confinement care; 125 USD per visit, maximum 30 visits per policy year (within 90 or 365 days post-discharge/day case procedure) under additional ancillary benefit p.74 |
| Congenital conditions | Not covered if manifested or diagnosed before age 8 p.29 |
| Pregnancy complications | Full cover for specified complications (ectopic, molar, DIC, pre-eclampsia, miscarriage, threatened/induced abortion, fetal death, postpartum hemorrhage, eclampsia, amniotic fluid/pulmonary embolism) after 12-month waiting period p.75 |
| Emergency dental | Full cover for emergency treatment and follow-up due to injury to natural teeth within 14 days of an accident p.75 |
| Hospital cash | 125 USD per continuous 24 hours period for confinement in a lower ward class of a private hospital in Hong Kong and Macau p.75 |
| Companion bed | Full cover for one extra bed for one person accompanying the insured during confinement p.75 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances (e.g. wheelchairs, oxygen, dialysis machines, spectacles); traditional Chinese medicine treatment (e.g. herbal, bone-setting, acupuncture) and other alternative treatments (e.g. hypnotism, qigong, massage) p.27 |
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.