Manulife Supreme Lite VHIS Supplementary Benefit is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00071-09-000-03. It entitles the insured to a ward room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$9,804 |
| 45 | HK$14,049 |
| 60 | HK$28,824 |
| 75 | HK$72,377 |
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 | Ward |
|---|---|
| Geographical cover | asia |
| Annual limit | HK$5,000,000 |
| Lifetime limit | HK$20,000,000 |
| 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 | First 30 days of the first Policy Year no coverage; 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; after cooling-off, cancellation with 30 days written notice if no benefit payment in policy year; pro-rata refund 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 | General Ward in HK, Australia, NZ; Semi-private Room elsewhere p.73 |
| If a higher room is used | If higher ward class is used, benefits are subject to Ward Class Adjustment Factor: 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.43 |
| Geographical cover | Asia p.73 |
| Psychiatric treatment area | Hong Kong and Macau only p.73 |
| Emergency treatment abroad | Covered in accordance with these Terms and Benefits p.42 |
| Full cover on core benefits | yes p.76 |
| Annual limit | 5,000,000 p.75 |
| Lifetime limit | 20,000,000 p.75 |
| Deductible options | 0 p.73 |
| How the deductible applies | Per Policy Year; can be reduced at ages 50, 55, 60, 65, 70, 75, 80, 85 p.32 |
| Coinsurance | none |
| Pre-admission outpatient | Full cover for all prior outpatient visits/emergency consultations within 30 days before confinement/day case procedure; 1 prior outpatient visit/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.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 $1,000 per day for designated Day Case Procedures p.21 |
| Home nursing | Full cover, maximum 30 days per policy year, 2 visits per day (within 120 days post-discharge) p.75 |
| Hospice care | 80,000 per Policy Year p.75 |
| Chinese medicine | $600 per visit, maximum 20 visits per policy year (within 90 days post-discharge from surgical procedure/day case procedure) p.75 |
| Physiotherapy | Maximum 3 follow-up outpatient visits (within 90 days post-discharge) under basic benefits; $1,000 per visit, max 30 visits per policy year (within 90 or 365 days post-discharge) under enhanced benefits p.74 |
| Congenital conditions | Covered from age 8 p.28 |
| Pregnancy complications | Full cover, subject to 12-month waiting period from Policy Effective Date 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 | $1,000 per day for designated Day Case Procedures p.74 |
| Companion bed | Full cover p.75 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Not Medically Necessary treatments; Purchase of durable medical equipment/appliances; Traditional Chinese medicine (except specific post-surgical outpatient care) and other alternative treatments 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.