Manulife Supreme Lite VHIS Supplementary Benefit is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00071-10-000-03. It entitles the insured to a ward room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$4,332 |
| 45 | HK$6,557 |
| 60 | HK$13,662 |
| 75 | HK$36,198 |
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 | No coverage for first 30 days of first policy year, full coverage from 31st day of first policy year onwards p.25 |
| Waiting period | 30 days for unknown pre-existing conditions p.25 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period (no benefit paid); after cooling-off, cancellation with 30 days' notice if no benefit paid in policy year p.4 |
| Switching from another plan | Possible to switch to another plan, re-underwriting limited to upgraded/additional benefits p.17 |
| Room class | General Ward in Hong Kong, Australia, New Zealand; Semi-private Room elsewhere p.73 |
| If a higher room is used | Benefits reduced by Ward Class Adjustment Factor (25% or 50%) if higher room class is used, unless due to medical necessity or room shortage p.2 |
| Geographical cover | Asia, with exceptions for psychiatric treatment (Hong Kong and Macau only), Non-conventional Treatment for Covered Cancer (worldwide), and Late Stage Cancer (worldwide except 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 | HKD5,000,000 p.3 |
| Lifetime limit | HKD20,000,000 p.3 |
| Deductible options | 0, 25000 p.28 |
| How the deductible applies | Per policy year, with an option to reduce to HKD0 once at ages 50, 55, 60, 65, 70, 75, 80, or 85 p.32 |
| Coinsurance | none p.2 |
| Pre-admission outpatient | Full cover for all prior outpatient visits/emergency consultations within 30 days before confinement/day case procedure, and 1 prior visit/consultation more than 30 days before p.2 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge/day case procedure, 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 for eligible procedures p.21 |
| 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.3 |
| Hospice care | HKD80,000 per policy year p.3 |
| Chinese medicine | HKD600 per visit, maximum 20 visits per policy year (within 90 days after discharge from hospital following surgery or day case procedure) p.3 |
| Physiotherapy | Maximum 3 follow-up outpatient visits (full cover) within 90 days after discharge/day case procedure; additional 30 visits (HKD1,000 per visit) per policy year for post-confinement/day case ancillary benefit p.2 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.29 |
| Pregnancy complications | Full cover, 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 within 14 days of an accident p.3 |
| Hospital cash | HKD1,000 per day for designated Day Case Procedures p.2 |
| 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 | Not Medically Necessary treatments; Dependence/overdose of drugs/alcohol, illegal activity, venereal/sexually transmitted diseases; Purchase of durable medical equipment or appliances 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.