Manulife Supreme Lite VHIS Supplementary Benefit is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00071-23-000-01. It entitles the insured to a private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$1,102 |
| 45 | HK$1,889 |
| 60 | HK$4,146 |
| 75 | HK$8,736 |
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$3,750,000 |
| Lifetime limit | HK$15,000,000 |
| 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 | 0% for first 30 days of first Policy Year, 100% from 31st day of first Policy Year onwards p.25 |
| Waiting period | 30 days for pre-existing conditions unknown at application p.25 |
| Cancellation and refund | Full refund within 21-day cooling-off period; no refund after cooling-off if benefits have been paid p.4 |
| Switching from another plan | Allowed to switch to another plan with upgrade or downgrade of benefits, with re-underwriting limited to upgraded/additional benefits for upgrades, or at company's discretion for downgrades p.16 |
| Room class | Standard Private Room p.73 |
| If a higher room is used | 25% or 50% Ward Class Adjustment Factor applied to benefits if a higher ward class is used, depending on the designated and actual ward class p.2 |
| Geographical cover | Worldwide excluding United States 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.2 |
| Annual limit | 3,750,000 USD p.3 |
| Lifetime limit | 15,000,000 USD p.3 |
| Deductible options | 0, 6250 USD p.73 |
| How the deductible applies | Per policy year, with an option to reduce to zero at specific renewal ages (50, 55, 60, 65, 70, 75, 80, 85) p.28 |
| Coinsurance | none p.2 |
| Pre-admission outpatient | Full cover for all prior outpatient visits or emergency consultations within 30 days before each confinement or day case procedure p.2 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge or day case procedure, or within 365 days for 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 for chronic and irreversible kidney failure p.3 |
| Day case procedures | Covered as in-patient, plus 200 USD cash benefit per day for designated day case 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 | 16,500 USD per Policy Year p.3 |
| Chinese medicine | 100 USD per visit, maximum 20 visits per policy year (within 90 days after discharge from hospital following surgery or day case procedure) p.3 |
| Physiotherapy | 200 USD per visit, maximum 30 outpatient visits per policy year for chiropractic treatment, physiotherapy, occupational therapy or speech therapy p.3 |
| Congenital conditions | Covered from 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 | 200 USD per continuous 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 p.3 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances (e.g., wheelchairs, beds, airway pressure machines, dialysis machines, air purifiers, heat 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.