Manulife Supreme Lite VHIS Supplementary Benefit is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00071-13-000-03. It entitles the insured to a ward room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$1,226 |
| 45 | HK$1,756 |
| 60 | HK$3,603 |
| 75 | HK$9,047 |
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$625,000 |
| Lifetime limit | HK$2,500,000 |
| 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 | 0% for first 30 days of Policy Year 1, 100% from day 31 onwards p.25 |
| Waiting period | 30 days for unknown pre-existing conditions; 12 months for pregnancy complications p.25 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period; no refund after cooling-off period if benefits paid p.4 |
| Switching from another plan | Allowed to switch to another plan with upgraded/added benefits, subject to re-underwriting for the upgraded/added benefits p.17 |
| Room class | General Ward in HK, Australia, NZ; Semi-private Room elsewhere p.73 |
| If a higher room is used | Benefits reduced by 25% to 50% depending on the ward class used and designated ward class 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.24 |
| Emergency treatment abroad | Covered, subject to general policy limits p.1 |
| Full cover on core benefits | yes p.4 |
| Annual limit | 625000 p.75 |
| Lifetime limit | 2500000 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 p.31 |
| Pre-admission outpatient | Full cover for all prior outpatient visits within 30 days before confinement/day case procedure, or 1 prior visit more than 30 days before p.74 |
| Post-discharge outpatient | Full cover for all follow-up visits within 90 days after discharge/day case procedure; or within 365 days if major/complex surgery or critical illness p.74 |
| General outpatient | none |
| Psychiatric treatment | Full cover, subject to annual and lifetime limits p.74 |
| Diagnostic imaging coinsurance | 0% p.74 |
| Non-surgical cancer treatment | Full cover, subject to annual and lifetime limits p.74 |
| Kidney dialysis | Full cover for haemodialysis or peritoneal dialysis, subject to annual and lifetime limits p.7 |
| Day case procedures | Covered as inpatient, cash benefit of $125 per day for designated procedures (OGD and colonoscopy) p.20 |
| Home nursing | Full cover for up to 30 days per policy year, 2 visits per day, within 120 days after discharge from hospital p.7 |
| Hospice care | $10,000 per Policy Year p.11 |
| Chinese medicine | $75 per visit, maximum 20 visits per policy year, within 90 days after discharge/day case procedure p.8 |
| Physiotherapy | Full cover for up to 3 follow-up visits within 90 days post-discharge/day case; then $125 per visit for up to 30 visits per policy year p.7 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.28 |
| Pregnancy complications | Full cover for surgical procedures for Covered Pregnancy Complications, with a 12-month waiting period from policy effective date p.11 |
| Emergency dental | Full cover for emergency treatment and follow-up due to injury to natural teeth within 14 days of an accident p.12 |
| Hospital cash | none p.21 |
| Companion bed | Full cover for one extra bed for one companion during confinement p.7 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | 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.