Manulife Supreme Lite VHIS Supplementary Benefit is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00071-19-000-01. It entitles the insured to a private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$8,812 |
| 45 | HK$15,108 |
| 60 | HK$33,170 |
| 75 | HK$69,886 |
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 | Private |
|---|---|
| Geographical cover | worldwide_ex_us |
| Annual limit | HK$30,000,000 |
| Lifetime limit | HK$120,000,000 |
| 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 | First 30 days of the first Policy Year no coverage; from 31st day of the first Policy Year onwards full coverage p.25 |
| Waiting period | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period after delivery of policy documents or cooling-off notice 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.17 |
| Room class | Standard Private Room p.73 |
| If a higher room is used | If higher than Designated Ward Class, benefits are subject to a Ward Class Adjustment Factor ranging from 25% to 50% depending on the room class used. p.2 |
| Geographical cover | Worldwide excluding United States p.73 |
| Psychiatric treatment area | Hong Kong and Macau only p.24 |
| Emergency treatment abroad | Covered in accordance with these Terms and Benefits p.1 |
| Full cover on core benefits | yes p.4 |
| Annual limit | 30,000,000 p.76 |
| Lifetime limit | 120,000,000 p.76 |
| Deductible options | 0, 50000 p.28 |
| How the deductible applies | Per policy year; can be reduced at ages 50, 55, 60, 65, 70, 75, 80, 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; 1 prior outpatient visit or emergency consultation more than 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 after discharge; or within 365 days if major/complex surgery or Designated Critical Illnesses 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 various benefits; cash benefit of $1,600 per day for designated procedures p.21 |
| Home nursing | Full cover, maximum 90 days per policy year, 2 visits per day (within 180 days after discharge from hospital following surgery or ICU admission) p.75 |
| Hospice care | 132,000 per Policy Year p.75 |
| Chinese medicine | $800 per visit, maximum 20 visits per policy year (within 90 days after discharge from hospital following surgery or day case procedure) p.75 |
| Physiotherapy | Full cover, maximum 3 follow-up outpatient visits in total per confinement/day case procedure (within 90 days after discharge) p.74 |
| Congenital conditions | Covered from age 8 p.28 |
| Pregnancy complications | Full cover, provided first diagnosis is at least 12 months after 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 p.12 |
| Hospital cash | $1,600 per 24-hour period for confinement in a lower ward class of a private hospital p.74 |
| Companion bed | Full cover for one extra bed for one person accompanying the insured during confinement p.7 |
| 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 (except rental during confinement); Traditional Chinese medicine treatment (except post-surgical/day case procedure outpatient care) and other alternative treatments p.26 |
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.