Manulife Supreme Lite VHIS Supplementary Benefit is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00071-14-000-03. It entitles the insured to a ward room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$542 |
| 45 | HK$820 |
| 60 | HK$1,708 |
| 75 | HK$4,525 |
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 | No coverage for the first 30 days of the first Policy Year, full coverage from the 31st day of the first Policy Year onwards. p.25 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period. After cooling-off, cancellation with 30 days' notice if no benefit payment in current Policy Year. Pro-rata refund for current Policy Year upon death of Insured Person or Company ceasing authorization. p.4 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits is subject to re-underwriting limited to the upgrade/addition. Switching to a plan with downgraded/reduced benefits is at the Company's discretion without re-underwriting. p.17 |
| Room class | General Ward in Hong Kong, Australia and New Zealand; Semi-private Room elsewhere p.73 |
| If a higher room is used | Benefits are subject to a Ward Class Adjustment Factor ranging from 25% to 50% if a higher ward class than the Designated Ward Class is used. p.2 |
| 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.1 |
| Full cover on core benefits | yes p.73 |
| Annual limit | USD625,000 p.75 |
| Lifetime limit | USD2,500,000 p.75 |
| Deductible options | 0, 3125 p.28 |
| How the deductible applies | Per Policy Year, with an option to reduce at ages 50, 55, 60, 65, 70, 75, 80, or 85. p.28 |
| Coinsurance | none p.74 |
| Pre-admission outpatient | Full cover for all prior outpatient visits or emergency consultations within 30 days before each confinement or day case procedure. p.74 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days, or 365 days for major/complex surgery or Designated Critical Illnesses. p.74 |
| General outpatient | none |
| Psychiatric treatment | Full cover, subject to Annual Benefit Limit and Lifetime Benefit Limit p.74 |
| Diagnostic imaging coinsurance | 0% p.74 |
| Non-surgical cancer treatment | Full cover, subject to Annual Benefit Limit and Lifetime Benefit Limit p.74 |
| Kidney dialysis | Full cover for haemodialysis or peritoneal dialysis, subject to Annual Benefit Limit and Lifetime Benefit Limit p.75 |
| Day case procedures | Covered as in-patient, with a cash benefit of USD125 per day for designated procedures. p.74 |
| Home nursing | Full cover for nursing services by Registered Nurse(s), maximum 30 days per Policy Year, 2 visits per day, within 120 days post-discharge. p.75 |
| Hospice care | USD10,000 per Policy Year p.75 |
| Chinese medicine | USD75 per visit, maximum 20 outpatient visits per Policy Year, within 90 days post-discharge from surgical procedure/day case procedure. p.75 |
| Physiotherapy | USD125 per visit, maximum 30 outpatient visits per Policy Year, within 90 or 365 days post-discharge. p.75 |
| Congenital conditions | Not covered if manifested or diagnosed before age 8. p.28 |
| Pregnancy complications | Full cover for Covered Pregnancy Complications, subject to Annual Benefit Limit and Lifetime Benefit Limit, after a 12-month waiting period from Policy Effective Date. p.12 |
| Emergency dental | Full cover for emergency treatment and follow-up due to injury to natural teeth within 14 days of an accident, subject to Annual Benefit Limit and Lifetime Benefit Limit. p.12 |
| Hospital cash | USD125 per day for designated Day Case Procedures. p.74 |
| Companion bed | Full cover for one extra bed for one person accompanying the Insured Person during confinement, subject to Annual Benefit Limit and Lifetime Benefit Limit. p.75 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Screening procedures for asymptomatic conditions, screening or surveillance procedures based on health history, Hair Mineral Analysis (HMA); Purchase of durable medical equipment or appliances; Specific traditional Chinese medicines 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.