Manulife Supreme Lite VHIS Supplementary Benefit is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00071-20-000-01. It entitles the insured to a private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$7,017 |
| 45 | HK$11,388 |
| 60 | HK$25,088 |
| 75 | HK$59,985 |
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.15 |
|---|---|
| Pre-existing conditions unknown at application | 0% for first 30 days of first policy year, 100% from 31st day of first policy year onwards p.25 |
| Waiting period | 12 months for pregnancy complications p.11 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit paid; after cooling-off, cancellation with 30 days notice if no benefit paid; pro-rata refund if terminated due to death or company ceasing authorization p.4 |
| Switching from another plan | Allowed to switch to another plan with upgrade or downgrade of benefits, re-underwriting limited to upgraded benefits, or discretion for downgrade p.17 |
| Room class | Standard Private Room p.1 |
| If a higher room is used | 25% or 50% Ward Class Adjustment Factor applies depending on the room class used p.2 |
| Geographical cover | Worldwide excluding United States, except psychiatric treatments and cash benefit for lower ward class in Hong Kong and Macau only, and Non-conventional Treatment for Covered Cancer covered worldwide p.1 |
| Psychiatric treatment area | Hong Kong and Macau only p.24 |
| Emergency treatment abroad | Covered p.1 |
| Full cover on core benefits | yes p.4 |
| Annual limit | 30,000,000 p.3 |
| Lifetime limit | 120,000,000 p.3 |
| Deductible options | 0, 100000 p.1 |
| How the deductible applies | Per policy year, can be reduced once at ages 50, 55, 60, 65, 70, 75, 80, or 85 p.28 |
| Coinsurance | none p.2 |
| Pre-admission outpatient | Full cover for all prior outpatient visits or emergency consultations within 30 days before confinement/day case procedure, and 1 prior outpatient visit or emergency consultation more than 30 days before confinement/day case procedure p.2 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge/day case procedure, or within 365 days if major/complex surgery or Designated Critical Illnesses 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 for haemodialysis or peritoneal dialysis p.7 |
| Day case procedures | Covered as in-patient, cash benefit of HKD1,600 per day for designated procedures p.2 |
| 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.3 |
| Hospice care | HKD132,000 per policy year p.3 |
| Chinese medicine | HKD800 per visit, max 20 visits per policy year (within 90 days after discharge from hospital following surgery or day case procedure) p.3 |
| Physiotherapy | Full cover for max 3 follow-up visits (within 90 days) or HKD1,600 per visit for max 30 visits per policy year (within 90 or 365 days depending on condition) p.2 |
| Congenital conditions | Covered from age 8 p.29 |
| Pregnancy complications | Full cover, subject to 12-month waiting period from 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 accident p.3 |
| Hospital cash | HKD1,600 per 24-hour period for confinement in a lower ward class of a private hospital in Hong Kong and Macau p.2 |
| Companion bed | Full cover for one extra bed for one person accompanying the insured p.3 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | dependence, overdose or influence of drugs/alcohol/narcotics; venereal and sexually transmitted disease; Hair Mineral Analysis (HMA); purchase of durable medical equipment or appliances for home use 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.