Manulife Supreme Lite VHIS Supplementary Benefit is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00071-15-000-03. It entitles the insured to a ward room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$343 |
| 45 | HK$521 |
| 60 | HK$1,129 |
| 75 | HK$3,288 |
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 31st day of Policy Year 1 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 benefits paid); after cooling-off, 30 days written notice required, no refund if benefits paid in policy year p.4 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits) or downgrade/reduction of benefits (no re-underwriting, company discretion to accept/reject) p.16 |
| 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 depending on the room class difference p.43 |
| Geographical cover | Asia p.73 |
| Psychiatric treatment area | Hong Kong and Macau only p.73 |
| Emergency treatment abroad | Covered outside territorial scope of cover p.42 |
| Full cover on core benefits | yes p.76 |
| Annual limit | 625000 USD p.75 |
| Lifetime limit | 2500000 USD p.75 |
| Deductible options | 0, 6250 USD p.73 |
| How the deductible applies | Per policy year; can be reduced to 0 at ages 50, 55, 60, 65, 70, 75, 80, 85 upon request p.31 |
| Coinsurance | none p.74 |
| Pre-admission outpatient | Full cover for all prior outpatient visits or emergency consultations within 30 days before 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 critical illness) after discharge or day case procedure 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.75 |
| Day case procedures | Covered as in-patient for eligible expenses p.21 |
| Home nursing | Full cover, max 30 days per policy year, 2 visits per day (within 120 days post-discharge) p.75 |
| Hospice care | 10000 USD per policy year p.75 |
| Chinese medicine | 75 USD per visit, max 20 visits per policy year (within 90 days post-discharge from surgery) p.75 |
| Physiotherapy | 125 USD per visit, max 30 visits per policy year (within 90 or 365 days post-discharge) p.75 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.28 |
| Pregnancy complications | Full cover, provided first diagnosis is at least 12 months after policy effective date p.75 |
| Emergency dental | Full cover for emergency treatment and follow-up due to injury to natural teeth within 14 days of accident p.75 |
| Hospital cash | none p.63 |
| Companion bed | Full cover p.75 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); purchase of durable medical equipment or appliances; 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.