Manulife Supreme Lite VHIS Supplementary Benefit is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00071-12-000-03. It entitles the insured to a ward room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$2,249 |
| 45 | HK$3,600 |
| 60 | HK$7,388 |
| 75 | HK$21,616 |
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 within 21-day cooling-off period if no benefit payment made; after cooling-off, cancellation with 30 days notice if no benefit payment made, but no refund explicitly stated. p.4 |
| Switching from another plan | Allowed to switch to plans with upgraded/added benefits (re-underwriting limited to new benefits) or downgraded/reduced benefits (no re-underwriting, company discretion). p.17 |
| Room class | General Ward in HK, Australia, NZ; Semi-private Room elsewhere p.73 |
| If a higher room is used | 25% or 50% Ward Class Adjustment Factor applied depending on the designated and actual ward class p.2 |
| Geographical cover | Asia (as defined in Supplement for Enhanced Benefits) p.73 |
| Psychiatric treatment area | Hong Kong and Macau only p.73 |
| Emergency treatment abroad | Covered in full p.1 |
| Full cover on core benefits | yes p.73 |
| Annual limit | HKD5,000,000 p.75 |
| Lifetime limit | HKD20,000,000 p.75 |
| Deductible options | 0, 100000 p.73 |
| How the deductible applies | Per policy year, with an option to reduce to 0 at specific older ages (50, 55, 60, 65, 70, 75, 80, 85) p.32 |
| Coinsurance | none p.74 |
| 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.74 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge/day case procedure, or 365 days if major/complex surgery or critical illness. 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.74 |
| Day case procedures | Covered as in-patient, plus HKD1,000 per day for designated procedures (oesophago-gastro-duodenoscopy and colonoscopy) p.21 |
| Home nursing | Full cover, max 30 days per policy year, 2 visits per day (within 120 days post-discharge from surgery/ICU) p.74 |
| Hospice care | HKD80,000 per Policy Year p.75 |
| Chinese medicine | HKD600 per visit, max 20 visits per policy year, 1 visit per day (within 90 days post-discharge from surgery/day case procedure) p.75 |
| Physiotherapy | HKD1,000 per visit, max 30 visits per policy year, 1 visit per day (post-confinement/day case procedure) p.74 |
| Congenital conditions | Covered from age 8 p.29 |
| Pregnancy complications | Full cover, provided diagnosis is at least 12 months after Policy Effective Date p.75 |
| Emergency dental | Full cover for emergency treatment and follow-up due to accidental injury to natural teeth, within 14 days of accident. p.75 |
| Hospital cash | none p.21 |
| Companion bed | Full cover p.74 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Traditional Chinese medicine (herbal, bone-setting, acupuncture, acupressure, tui na), except post-surgical/day case Chinese medicine practitioner outpatient care; 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.