Manulife Supreme Lite VHIS Supplementary Benefit is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00071-11-000-03. It entitles the insured to a ward room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$2,740 |
| 45 | HK$4,167 |
| 60 | HK$9,029 |
| 75 | HK$26,304 |
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 | 0% for first 30 days of policy year 1, 100% from 31st day of policy year 1 onwards p.25 |
| Waiting period | none |
| 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 | Can switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits); can switch to plan with downgrade/reduction of benefits (no re-underwriting, company discretion to accept/reject) p.17 |
| Room class | General Ward in HK, Australia, NZ; Semi-private Room elsewhere p.73 |
| If a higher room is used | Ward Class Adjustment Factor applied: 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 p.1 |
| Full cover on core benefits | yes p.1 |
| Annual limit | 5,000,000 p.3 |
| Lifetime limit | 20,000,000 p.3 |
| Deductible options | 0, 50000 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 p.30 |
| Pre-admission outpatient | Full cover for all prior outpatient visits/emergency consultations within 30 days before confinement/day case procedure; full cover for 1 prior outpatient visit/emergency consultation more than 30 days before confinement/day case procedure p.2 |
| 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 Illness 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 cash benefit for designated Day Case Procedures p.31 |
| Home nursing | Full cover, max 30 days per policy year, 2 visits per day (within 120 days post-discharge from hospital after surgery or ICU admission) p.3 |
| Hospice care | 80,000 per Policy Year p.3 |
| Chinese medicine | 600 per visit, max 20 visits per policy year, 1 visit per day (within 90 days post-discharge from hospital after surgery or day case procedure) p.3 |
| Physiotherapy | Maximum 3 follow-up outpatient visits in total per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure) p.2 |
| Congenital conditions | Covered from age 8 p.28 |
| Pregnancy complications | Full cover for surgical procedures 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 within 14 days of an accident p.3 |
| Hospital cash | 1,000 per day for designated Day Case Procedures p.2 |
| Companion bed | Full cover p.3 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); sex reassignment or sexual dysfunction; purchase of durable medical equipment or appliances; other forms of alternative treatment (hypnotism, qigong, massage therapy, aromatherapy, naturopathy, homeotherapy) 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.