Manulife Supreme Lite VHIS Supplementary Benefit is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00071-08-000-03. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$417 |
| 45 | HK$667 |
| 60 | HK$1,399 |
| 75 | HK$3,315 |
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 | No coverage for first 30 days of first Policy Year, full coverage from 31st day of first Policy Year onwards p.25 |
| Waiting period | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period after delivery of terms/policy schedule or cooling-off notice. p.4 |
| 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 to benefits if higher ward class is used, depending on the designated and actual ward class. p.2 |
| Geographical cover | Asia p.73 |
| Psychiatric treatment area | Hong Kong and Macau only p.73 |
| Emergency treatment abroad | Covered in accordance with Terms and Benefits p.1 |
| Full cover on core benefits | yes p.4 |
| Annual limit | USD1,500,000 p.3 |
| Lifetime limit | USD7,500,000 p.3 |
| Deductible options | USD12,500, 0 (at specific ages) p.73 |
| 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 once per lifetime. p.32 |
| Coinsurance | none p.30 |
| Pre-admission outpatient | Full cover for all prior outpatient visits/emergency consultations within 30 days before confinement/day case; 1 prior visit/consultation more than 30 days before. p.2 |
| Post-discharge outpatient | Full cover for all follow-up visits within 90 days after discharge/day case; within 365 days for 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 for various benefits, including room, surgery, miscellaneous charges, imaging, and cancer treatment. p.21 |
| Home nursing | Full cover, maximum 30 days per Policy Year, 2 visits per day, within 120 days after discharge from Hospital following a surgical procedure or admission to Intensive Care Unit. p.3 |
| Hospice care | USD10,000 per Policy Year p.3 |
| Chinese medicine | USD75 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.3 |
| Physiotherapy | Full cover for maximum 3 follow-up visits per confinement/day case (within 90 days); then USD125 per visit, maximum 30 outpatient visits per Policy Year. p.2 |
| Congenital conditions | Not covered if manifested or diagnosed before age 8. p.29 |
| Pregnancy complications | Full cover for Covered Pregnancy Complications, provided 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 from an accident, received within 14 days of the accident. p.3 |
| Hospital cash | USD125 per continuous 24-hour period for confinement in a lower ward class of a private hospital in Hong Kong or Macau. p.3 |
| Companion bed | Full cover p.3 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); Birth control, sterilisation, sex reassignment, sexual dysfunction; Purchase of durable medical equipment or appliances. 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.