Manulife Supreme Lite VHIS Supplementary Benefit is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00071-16-000-03. It entitles the insured to a ward room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$281 |
| 45 | HK$450 |
| 60 | HK$924 |
| 75 | HK$2,702 |
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 first 30 days of first policy year, full coverage from 31st day of first policy year onwards p.25 |
| Waiting period | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment has been made or is impending p.4 |
| Switching from another plan | Switching to another plan with upgraded/additional benefits is possible, subject to re-underwriting limited to such upgrades/additions p.16 |
| 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: 25% for Standard Private above Standard Private, 50% for Semi-private above Standard Private, 25% for Semi-private above Semi-private, 50% for General Ward above Semi-private, 25% for General Ward above Standard Private or above 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.4 |
| Annual limit | USD625,000 p.3 |
| Lifetime limit | USD2,500,000 p.3 |
| Deductible options | 0, 12500 p.28 |
| How the deductible applies | Per policy year, can be reduced at ages 50, 55, 60, 65, 70, 75, 80, 85 to a zero option p.28 |
| Coinsurance | none (0% for Prescribed Diagnostic Imaging Tests) p.2 |
| Pre-admission outpatient | Full cover for all prior outpatient visits/emergency consultations within 30 days before confinement/day case procedure; 1 prior outpatient visit/emergency consultation more than 30 days before 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 many benefits; cash benefit of USD125 per day for designated procedures (OGD and colonoscopy) p.2 |
| Home nursing | Full cover, max 30 days per policy year, 2 visits per day, within 120 days after discharge from hospital following surgery or ICU admission p.3 |
| Hospice care | USD10,000 per Policy Year p.3 |
| Chinese medicine | USD75 per visit, max 20 visits per policy year, within 90 days after discharge from hospital following surgery or day case procedure p.3 |
| Physiotherapy | Max 3 follow-up visits within 90 days after discharge/day case procedure under basic benefits; Additional 30 visits per policy year at USD125 per visit for post-confinement/day case ancillary benefit p.2 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.28 |
| Pregnancy complications | Full cover 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 | none p.21 |
| Companion bed | Full cover for one extra bed for one person accompanying the insured during confinement p.3 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Expenses for purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment (herbal, bone-setting, acupuncture, acupressure, tui na) except post-surgical/Day Case; other alternative treatments (hypnotism, qigong, massage therapy, aromatherapy, naturopathy, homeotherapy) p.28 |
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.