Manulife Supreme Lite VHIS Supplementary Benefit is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00071-24-000-01. It entitles the insured to a private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$877 |
| 45 | HK$1,424 |
| 60 | HK$3,136 |
| 75 | HK$7,498 |
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 year 1, 100% from day 31 of year 1 p.25 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period; no refund after cooling-off period if cancelled by policyholder p.4 |
| Switching from another plan | Allowed to switch to plans with upgraded/added benefits (re-underwriting limited to new benefits) or downgraded/reduced benefits (no re-underwriting, company discretion) p.16 |
| Room class | Standard Private Room p.73 |
| If a higher room is used | 25% or 50% Ward Class Adjustment Factor applies depending on the ward class used and the Designated Ward Class p.43 |
| Geographical cover | Worldwide excluding United States p.73 |
| Psychiatric treatment area | Hong Kong and Macau only p.24 |
| Emergency treatment abroad | Covered p.42 |
| Full cover on core benefits | yes p.74 |
| Annual limit | 3750000 p.75 |
| Lifetime limit | 15000000 p.75 |
| Deductible options | 12500 (USD), with an option to reduce to 0 at certain ages p.73 |
| How the deductible applies | Per policy year, with an option to reduce at ages 50, 55, 60, 65, 70, 75, 80, or 85 p.32 |
| Coinsurance | none (0% for Prescribed Diagnostic Imaging Tests) p.74 |
| Pre-admission outpatient | Full cover for all prior outpatient visits within 30 days before confinement/day case, or 1 prior visit more than 30 days before p.74 |
| Post-discharge outpatient | Full cover for all follow-up visits within 90 days, or 365 days if major/complex surgery or critical illness 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, full cover for most items p.21 |
| Home nursing | Full cover, maximum 90 days per policy year, 2 visits per day (within 180 days post-discharge) p.75 |
| Hospice care | 16500 per Policy Year p.75 |
| Chinese medicine | 100 per visit, maximum 20 visits per policy year (within 90 days post-discharge) p.75 |
| Physiotherapy | 200 per visit, maximum 30 visits per policy year (within 90 or 365 days post-discharge depending on condition) p.75 |
| Congenital conditions | Covered from age 8 p.29 |
| 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 | 200 per 24-hour period for confinement in lower ward class of a private hospital p.74 |
| Companion bed | Full cover p.75 |
| Exclusions beyond the VHIS standard list | Specific traditional Chinese medicines (e.g., ginseng, cordyceps, antler) 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.