Per-illness annual benefit limitiResets every policy year. The same illness can use the limit again in a new year.
—
SMM Supplemental Major Medical
—
Deductible Options
—
Basic Benefits Basic
(a) Room and board
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
$14,000 per Policy Year
(c) Attending doctor's visit fee
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
$4,300 per Policy Year
(e) Intensive care
$3,500 per day, maximum 25 days per Policy Year
(f) Surgeon's fee
—
(f) Surgeon's fee — Minor
$5,000
(f) Surgeon's fee — Intermediate
$12,500
(f) Surgeon's fee — Major
$25,000
(f) Surgeon's fee — Complex
$50,000
(g) Anaesthetist's fee
35% of Surgeon's fee payable
(h) Operating theatre charges
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
$80,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
$580, per visit, $3,000 per Policy Year
• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure
• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
$30,000 per Policy Year
Extra Benefits Extra
Isolation ward charges benefit
—
Outpatient kidney dialysis
—
Daily post-surgery home nursing benefit
—
標準私家房
—
半私家房
—
普通房
—
Medical implants / prosthetic devices
—
Post-Confinement / Day Case Procedure auxiliary therapy
—
Chinese Medicine Practitioner outpatient care
—
Reconstructive surgery for specified conditions
—
Cancer / cardiac / stroke rehabilitation benefit
—
Organ transplant donor benefit
—
Hospice and palliative care benefit
—
Complications of pregnancy
—
Emergency outpatient treatment for Accident
—
Emergency dental benefit (Accident only)
—
Annual benefit limit reset
—
Hospital companion bed fee reimbursement
—
Covered cancer non-traditional treatment benefit
—
Cash Benefits Cash
Special loyalty reward
$150
Day surgery cash benefit
—
Lower ward class cash benefit
—
Event Benefits Event
Compassionate death benefit
$10,000 per policy
Accidental Death benefit
$10,000 per policy
Medical accident and incident extension benefit
$100,000 per policy
計劃名稱
Manulife Shelter VHIS Standard Plan
宏利愛守護自願醫保標準計劃
Cat 1
Ver. Dec 5, 2025
計劃 1 / 16
宏利愛守護自願醫保標準計劃
Manulife Shelter VHIS Standard Plan
標準Cat 1Ver. Dec 5, 2025保障評分 59/100
VHIS 認可編號
S00034-01-000-03
計劃類別
標準
保障地域範圍
全球 Worldwide
病房級別
不適用（受賠償上限規限）
每年賠償限額
HK$420,000
終身賠償限額
—
每傷病保障期
—
SMM 額外醫療保障
—
自付費選項
—
基本保障 Basic
(a) 病房及膳食
$750 per day, maximum 180 days per Policy Year
(b) 雜項開支
$14,000 per Policy Year
(c) 主診醫生巡房費
$750 per day, maximum 180 days per Policy Year
(d) 專科醫生費
$4,300 per Policy Year
(e) 深切治療
$3,500 per day, maximum 25 days per Policy Year
(f) 外科醫生費
—
(f) 外科醫生費 — 小型
$5,000
(f) 外科醫生費 — 中型
$12,500
(f) 外科醫生費 — 大型
$25,000
(f) 外科醫生費 — 複雜
$50,000
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) 手術室費
35% of Surgeon's fee payable
(i) 訂明診斷成像檢測
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療
$80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理
$580, per visit, $3,000 per Policy Year
• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure
• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療
$30,000 per Policy Year
額外保障 Extra
隔離病房費
—
門診洗腎
—
家中看護
—
標準私家房
—
半私家房
—
普通房
—
醫療植入裝置
—
出院後 / 日間手術後的額外門 診輔助治療
—
出院後 / 日間手術後的中醫門診治療
—
指定重建手術保障
—
復康保障
—
器官移植的捐贈者保障
—
善終服務
—
懷孕併發症
—
意外急症門診治療費用賠償
—
意外牙科治療
—
保障限額重置
—
住院陪床
—
受保癌症非傳統治療
—
現金保障 Cash
特別獎賞
$150
日間手術現金惠益
—
次級病房級別現金惠益
—
事件保障 Event
恩恤身故賠償
$10,000 per policy
意外身故賠償
$10,000 per policy
醫療意外事故保障
$100,000 per policy
計劃 2 / 16
宏利全護航自願醫保靈活計劃 - 普通房
Manulife First VHIS Flexi Plan - Ward
靈活Cat 1Ver. Dec 5, 2025保障評分 65/100
VHIS 認可編號
F00019-01-000-06
計劃類別
靈活
保障地域範圍
全球 Worldwide
病房級別
普通病房 Ward
每年賠償限額
—
終身賠償限額
—
每傷病保障期
—
SMM 額外醫療保障
—
自付費選項
—
基本保障 Basic
(a) 病房及膳食
$1,200 per day, maximum 180 days per Policy Year
(b) 雜項開支
$15,000 per Policy Year
(c) 主診醫生巡房費
$900 per day, maximum 180 days per Policy Year
(d) 專科醫生費
$4,300 per Policy Year
(e) 深切治療
$4,200 per day, maximum 25 days per Policy Year
(f) 外科醫生費
—
(f) 外科醫生費 — 小型
$5,250
(f) 外科醫生費 — 中型
$13,125
(f) 外科醫生費 — 大型
$26,250
(f) 外科醫生費 — 複雜
$52,500
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) 手術室費
35% of Surgeon's fee payable
(i) 訂明診斷成像檢測
$25,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療
$100,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理
$1,100, per visit, $16,000 per Policy Year
• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure
• Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療
$30,000 per Policy Year
額外保障 Extra
隔離病房費
$1,100 per day, maximum 180 days per Policy Year
門診洗腎
$90,000 per Policy Year
家中看護
$660 per visit, up to $13,000 per Policy Year
• 15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
標準私家房
—
半私家房
—
普通房
—
醫療植入裝置
—
出院後 / 日間手術後的額外門 診輔助治療
—
出院後 / 日間手術後的中醫門診治療
—
指定重建手術保障
—
復康保障
—
器官移植的捐贈者保障
—
善終服務
—
懷孕併發症
—
意外急症門診治療費用賠償
—
意外牙科治療
—
保障限額重置
—
住院陪床
Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
受保癌症非傳統治療
—
現金保障 Cash
特別獎賞
$300
日間手術現金惠益
—
次級病房級別現金惠益
—
事件保障 Event
恩恤身故賠償
$10,000
意外身故賠償
$10,000
醫療意外事故保障
$100,000
計劃 3 / 16
宏利全護航自願醫保靈活計劃 - 普通房+高額醫療保障
Manulife First VHIS Flexi Plan - Ward with SMM
靈活Cat 1Ver. Dec 5, 2025保障評分 65/100
VHIS 認可編號
F00019-01-001-06
計劃類別
靈活
保障地域範圍
全球 Worldwide
病房級別
普通病房 Ward
每年賠償限額
—
終身賠償限額
—
每傷病賠償限額
—
SMM 額外醫療保障
$525,000 · Per illness · 20% co-insurance
自付費選項
—
基本保障 Basic
(a) 病房及膳食
$1,200 per day, maximum 180 days per Policy Year
(b) 雜項開支
$15,000 per Policy Year
(c) 主診醫生巡房費
$900 per day, maximum 180 days per Policy Year
(d) 專科醫生費
$4,300 per Policy Year
(e) 深切治療
$4,200 per day, maximum 25 days per Policy Year
(f) 外科醫生費
—
(f) 外科醫生費 — 小型
$5,250
(f) 外科醫生費 — 中型
$13,125
(f) 外科醫生費 — 大型
$26,250
(f) 外科醫生費 — 複雜
$52,500
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) 手術室費
35% of Surgeon's fee payable
(i) 訂明診斷成像檢測
$25,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療
$100,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理
$1,100, per visit, $16,000 per Policy Year
• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure
• Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療
$30,000 per Policy Year
額外保障 Extra
隔離病房費
$1,100 per day, maximum 180 days per Policy Year
門診洗腎
$90,000 per Policy Year
家中看護
$660 per visit, up to $13,000 per Policy Year
• 15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
標準私家房
—
半私家房
—
普通房
—
醫療植入裝置
—
出院後 / 日間手術後的額外門 診輔助治療
—
出院後 / 日間手術後的中醫門診治療
—
指定重建手術保障
—
復康保障
—
器官移植的捐贈者保障
—
善終服務
—
懷孕併發症
—
意外急症門診治療費用賠償
—
意外牙科治療
—
保障限額重置
—
住院陪床
Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
受保癌症非傳統治療
—
現金保障 Cash
特別獎賞
$300
日間手術現金惠益
—
次級病房級別現金惠益
—
事件保障 Event
恩恤身故賠償
$10,000
意外身故賠償
$10,000
醫療意外事故保障
$100,000
計劃 4 / 16
宏利全護航自願醫保靈活計劃 - 普通房+特級高額醫療保障
Manulife First VHIS Flexi Plan - Ward with SMM Plus
靈活Cat 1Ver. Dec 5, 2025保障評分 65/100
VHIS 認可編號
F00019-01-002-06
計劃類別
靈活
保障地域範圍
全球 Worldwide
病房級別
普通病房 Ward
每年賠償限額
—
終身賠償限額
—
每傷病賠償限額
—
SMM 額外醫療保障
$525,000 · Per illness · 20% co-insurance
自付費選項
—
基本保障 Basic
(a) 病房及膳食
$1,200 per day, maximum 180 days per Policy Year
(b) 雜項開支
$15,000 per Policy Year
(c) 主診醫生巡房費
$900 per day, maximum 180 days per Policy Year
(d) 專科醫生費
$4,300 per Policy Year
(e) 深切治療
$4,200 per day, maximum 25 days per Policy Year
(f) 外科醫生費
—
(f) 外科醫生費 — 小型
$5,250
(f) 外科醫生費 — 中型
$13,125
(f) 外科醫生費 — 大型
$26,250
(f) 外科醫生費 — 複雜
$52,500
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) 手術室費
35% of Surgeon's fee payable
(i) 訂明診斷成像檢測
$25,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療
$100,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理
$1,100, per visit, $16,000 per Policy Year
• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure
• Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療
$30,000 per Policy Year
額外保障 Extra
隔離病房費
$1,100 per day, maximum 180 days per Policy Year
門診洗腎
$90,000 per Policy Year
家中看護
$660 per visit, up to $13,000 per Policy Year
• 15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
標準私家房
—
半私家房
—
普通房
—
醫療植入裝置
—
出院後 / 日間手術後的額外門 診輔助治療
—
出院後 / 日間手術後的中醫門診治療
—
指定重建手術保障
—
復康保障
—
器官移植的捐贈者保障
—
善終服務
—
懷孕併發症
—
意外急症門診治療費用賠償
—
意外牙科治療
—
保障限額重置
—
住院陪床
Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
受保癌症非傳統治療
—
現金保障 Cash
特別獎賞
$300
日間手術現金惠益
—
次級病房級別現金惠益
—
事件保障 Event
恩恤身故賠償
$10,000
意外身故賠償
$10,000
醫療意外事故保障
$100,000
計劃 5 / 16
宏利全護航自願醫保靈活計劃 - 半私家房
Manulife First VHIS Flexi Plan - Semi-private Room
靈活Cat 1Ver. Dec 5, 2025保障評分 79/100
VHIS 認可編號
F00019-02-000-06
計劃類別
靈活
保障地域範圍
全球 Worldwide
病房級別
半私家病房 Semi-Private
每年賠償限額
—
終身賠償限額
—
每傷病保障期
—
SMM 額外醫療保障
—
自付費選項
—
基本保障 Basic
(a) 病房及膳食
$2,500 per day, maximum 180 days per Policy Year
(b) 雜項開支
$21,000 per Policy Year
(c) 主診醫生巡房費
$1,900 per day, maximum 180 days per Policy Year
(d) 專科醫生費
$6,000 per Policy Year
(e) 深切治療
$5,600 per day, maximum 25 days per Policy Year
(f) 外科醫生費
—
(f) 外科醫生費 — 小型
$7,350
(f) 外科醫生費 — 中型
$18,375
(f) 外科醫生費 — 大型
$36,750
(f) 外科醫生費 — 複雜
$73,500
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) 手術室費
35% of Surgeon's fee payable
(i) 訂明診斷成像檢測
$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療
$150,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理
$1,400, per visit, $20,000 per Policy Year
• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure
• Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療
$35,000 per Policy Year
額外保障 Extra
隔離病房費
$2,300 per day, maximum 180 days per Policy Year
門診洗腎
$135,000 per Policy Year
家中看護
$960 per visit, up to $19,000 per Policy Year
• 15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
標準私家房
—
半私家房
—
普通房
—
醫療植入裝置
—
出院後 / 日間手術後的額外門 診輔助治療
—
出院後 / 日間手術後的中醫門診治療
—
指定重建手術保障
—
復康保障
—
器官移植的捐贈者保障
—
善終服務
—
懷孕併發症
—
意外急症門診治療費用賠償
—
意外牙科治療
—
保障限額重置
—
住院陪床
Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
受保癌症非傳統治療
—
現金保障 Cash
特別獎賞
$600
日間手術現金惠益
—
次級病房級別現金惠益
—
事件保障 Event
恩恤身故賠償
$10,000
意外身故賠償
$10,000
醫療意外事故保障
$100,000
計劃 6 / 16
宏利全護航自願醫保靈活計劃 - 半私家房+高額醫療保障
Manulife First VHIS Flexi Plan - Semi-private Room with SMM
靈活Cat 1Ver. Dec 5, 2025保障評分 79/100
VHIS 認可編號
F00019-02-001-06
計劃類別
靈活
保障地域範圍
全球 Worldwide
病房級別
半私家病房 Semi-Private
每年賠償限額
—
終身賠償限額
—
每傷病賠償限額
—
SMM 額外醫療保障
$525,000 · Per illness · 20% co-insurance
自付費選項
—
基本保障 Basic
(a) 病房及膳食
$2,500 per day, maximum 180 days per Policy Year
(b) 雜項開支
$21,000 per Policy Year
(c) 主診醫生巡房費
$1,900 per day, maximum 180 days per Policy Year
(d) 專科醫生費
$6,000 per Policy Year
(e) 深切治療
$5,600 per day, maximum 25 days per Policy Year
(f) 外科醫生費
—
(f) 外科醫生費 — 小型
$7,350
(f) 外科醫生費 — 中型
$18,375
(f) 外科醫生費 — 大型
$36,750
(f) 外科醫生費 — 複雜
$73,500
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) 手術室費
35% of Surgeon's fee payable
(i) 訂明診斷成像檢測
$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療
$150,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理
$1,400, per visit, $20,000 per Policy Year
• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure
• Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療
$35,000 per Policy Year
額外保障 Extra
隔離病房費
$2,300 per day, maximum 180 days per Policy Year
門診洗腎
$135,000 per Policy Year
家中看護
$960 per visit, up to $19,000 per Policy Year
• 15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
標準私家房
—
半私家房
—
普通房
—
醫療植入裝置
—
出院後 / 日間手術後的額外門 診輔助治療
—
出院後 / 日間手術後的中醫門診治療
—
指定重建手術保障
—
復康保障
—
器官移植的捐贈者保障
—
善終服務
—
懷孕併發症
—
意外急症門診治療費用賠償
—
意外牙科治療
—
保障限額重置
—
住院陪床
Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
受保癌症非傳統治療
—
現金保障 Cash
特別獎賞
$600
日間手術現金惠益
—
次級病房級別現金惠益
—
事件保障 Event
恩恤身故賠償
$10,000
意外身故賠償
$10,000
醫療意外事故保障
$100,000
計劃 7 / 16
宏利全護航自願醫保靈活計劃 - 半私家房+特級高額醫療保障
Manulife First VHIS Flexi Plan - Semi-private Room with SMM Plus
靈活Cat 1Ver. Dec 5, 2025保障評分 79/100
VHIS 認可編號
F00019-02-002-06
計劃類別
靈活
保障地域範圍
全球 Worldwide
病房級別
半私家病房 Semi-Private
每年賠償限額
—
終身賠償限額
—
每傷病賠償限額
—
SMM 額外醫療保障
$525,000 · Per illness · 20% co-insurance
自付費選項
—
基本保障 Basic
(a) 病房及膳食
$2,500 per day, maximum 180 days per Policy Year
(b) 雜項開支
$21,000 per Policy Year
(c) 主診醫生巡房費
$1,900 per day, maximum 180 days per Policy Year
(d) 專科醫生費
$6,000 per Policy Year
(e) 深切治療
$5,600 per day, maximum 25 days per Policy Year
(f) 外科醫生費
—
(f) 外科醫生費 — 小型
$7,350
(f) 外科醫生費 — 中型
$18,375
(f) 外科醫生費 — 大型
$36,750
(f) 外科醫生費 — 複雜
$73,500
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) 手術室費
35% of Surgeon's fee payable
(i) 訂明診斷成像檢測
$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療
$150,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理
$1,400, per visit, $20,000 per Policy Year
• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure
• Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療
$35,000 per Policy Year
額外保障 Extra
隔離病房費
$2,300 per day, maximum 180 days per Policy Year
門診洗腎
$135,000 per Policy Year
家中看護
$960 per visit, up to $19,000 per Policy Year
• 15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
標準私家房
—
半私家房
—
普通房
—
醫療植入裝置
—
出院後 / 日間手術後的額外門 診輔助治療
—
出院後 / 日間手術後的中醫門診治療
—
指定重建手術保障
—
復康保障
—
器官移植的捐贈者保障
—
善終服務
—
懷孕併發症
—
意外急症門診治療費用賠償
—
意外牙科治療
—
保障限額重置
—
住院陪床
Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
受保癌症非傳統治療
—
現金保障 Cash
特別獎賞
$600
日間手術現金惠益
—
次級病房級別現金惠益
—
事件保障 Event
恩恤身故賠償
$10,000
意外身故賠償
$10,000
醫療意外事故保障
$100,000
計劃 8 / 16
宏利全護航自願醫保靈活計劃 - 私家房
Manulife First VHIS Flexi Plan - Private Room
靈活Cat 1Ver. Dec 5, 2025保障評分 92/100
VHIS 認可編號
F00019-03-000-06
計劃類別
靈活
保障地域範圍
全球 Worldwide
病房級別
私家病房 Private
每年賠償限額
—
終身賠償限額
—
每傷病保障期
—
SMM 額外醫療保障
—
自付費選項
—
基本保障 Basic
(a) 病房及膳食
$4,500 per day, maximum 180 days per Policy Year
(b) 雜項開支
$35,000 per Policy Year
(c) 主診醫生巡房費
$3,900 per day, maximum 180 days per Policy Year
(d) 專科醫生費
$12,000 per Policy Year
(e) 深切治療
$10,000 per day, maximum 25 days per Policy Year
(f) 外科醫生費
—
(f) 外科醫生費 — 小型
$10,500
(f) 外科醫生費 — 中型
$26,250
(f) 外科醫生費 — 大型
$52,500
(f) 外科醫生費 — 複雜
$105,000
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) 手術室費
35% of Surgeon's fee payable
(i) 訂明診斷成像檢測
$35,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療
$225,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理
$2,000, per visit, $29,000 per Policy Year
• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure
• Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療
$40,000 per Policy Year
額外保障 Extra
隔離病房費
$4,000 per day, maximum 180 days per Policy Year
門診洗腎
$200,000 per Policy Year
家中看護
$1,760 per visit, up to $35,000 per Policy Year
• 15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
標準私家房
—
半私家房
—
普通房
—
醫療植入裝置
—
出院後 / 日間手術後的額外門 診輔助治療
—
出院後 / 日間手術後的中醫門診治療
—
指定重建手術保障
—
復康保障
—
器官移植的捐贈者保障
—
善終服務
—
懷孕併發症
—
意外急症門診治療費用賠償
—
意外牙科治療
—
保障限額重置
—
住院陪床
Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
受保癌症非傳統治療
—
現金保障 Cash
特別獎賞
$1,200
日間手術現金惠益
—
次級病房級別現金惠益
—
事件保障 Event
恩恤身故賠償
$10,000
意外身故賠償
$10,000
醫療意外事故保障
$100,000
計劃 9 / 16
宏利全護航自願醫保靈活計劃 - 私家房+高額醫療保障
Manulife First VHIS Flexi Plan - Private Room with SMM
靈活Cat 1Ver. Dec 5, 2025保障評分 92/100
VHIS 認可編號
F00019-03-001-06
計劃類別
靈活
保障地域範圍
全球 Worldwide
病房級別
私家病房 Private
每年賠償限額
—
終身賠償限額
—
每傷病賠償限額
—
SMM 額外醫療保障
$525,000 · Per illness · 20% co-insurance
自付費選項
—
基本保障 Basic
(a) 病房及膳食
$4,500 per day, maximum 180 days per Policy Year
(b) 雜項開支
$35,000 per Policy Year
(c) 主診醫生巡房費
$3,900 per day, maximum 180 days per Policy Year
(d) 專科醫生費
$12,000 per Policy Year
(e) 深切治療
$10,000 per day, maximum 25 days per Policy Year
(f) 外科醫生費
—
(f) 外科醫生費 — 小型
$10,500
(f) 外科醫生費 — 中型
$26,250
(f) 外科醫生費 — 大型
$52,500
(f) 外科醫生費 — 複雜
$105,000
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) 手術室費
35% of Surgeon's fee payable
(i) 訂明診斷成像檢測
$35,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療
$225,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理
$2,000, per visit, $29,000 per Policy Year
• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure
• Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療
$40,000 per Policy Year
額外保障 Extra
隔離病房費
$4,000 per day, maximum 180 days per Policy Year
門診洗腎
$200,000 per Policy Year
家中看護
$1,760 per visit, up to $35,000 per Policy Year
• 15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
標準私家房
—
半私家房
—
普通房
—
醫療植入裝置
—
出院後 / 日間手術後的額外門 診輔助治療
—
出院後 / 日間手術後的中醫門診治療
—
指定重建手術保障
—
復康保障
—
器官移植的捐贈者保障
—
善終服務
—
懷孕併發症
—
意外急症門診治療費用賠償
—
意外牙科治療
—
保障限額重置
—
住院陪床
Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
受保癌症非傳統治療
—
現金保障 Cash
特別獎賞
$1,200
日間手術現金惠益
—
次級病房級別現金惠益
—
事件保障 Event
恩恤身故賠償
$10,000
意外身故賠償
$10,000
醫療意外事故保障
$100,000
計劃 10 / 16
宏利全護航自願醫保靈活計劃 - 私家房+特級高額醫療保障
Manulife First VHIS Flexi Plan - Private Room with SMM Plus
靈活Cat 1Ver. Dec 5, 2025保障評分 92/100
VHIS 認可編號
F00019-03-002-06
計劃類別
靈活
保障地域範圍
全球 Worldwide
病房級別
私家病房 Private
每年賠償限額
—
終身賠償限額
—
每傷病賠償限額
—
SMM 額外醫療保障
$525,000 · Per illness · 20% co-insurance
自付費選項
—
基本保障 Basic
(a) 病房及膳食
$4,500 per day, maximum 180 days per Policy Year
(b) 雜項開支
$35,000 per Policy Year
(c) 主診醫生巡房費
$3,900 per day, maximum 180 days per Policy Year
(d) 專科醫生費
$12,000 per Policy Year
(e) 深切治療
$10,000 per day, maximum 25 days per Policy Year
(f) 外科醫生費
—
(f) 外科醫生費 — 小型
$10,500
(f) 外科醫生費 — 中型
$26,250
(f) 外科醫生費 — 大型
$52,500
(f) 外科醫生費 — 複雜
$105,000
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) 手術室費
35% of Surgeon's fee payable
(i) 訂明診斷成像檢測
$35,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療
$225,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理
$2,000, per visit, $29,000 per Policy Year
• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure
• Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療
$40,000 per Policy Year
額外保障 Extra
隔離病房費
$4,000 per day, maximum 180 days per Policy Year
門診洗腎
$200,000 per Policy Year
家中看護
$1,760 per visit, up to $35,000 per Policy Year
• 15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
標準私家房
—
半私家房
—
普通房
—
醫療植入裝置
—
出院後 / 日間手術後的額外門 診輔助治療
—
出院後 / 日間手術後的中醫門診治療
—
指定重建手術保障
—
復康保障
—
器官移植的捐贈者保障
—
善終服務
—
懷孕併發症
—
意外急症門診治療費用賠償
—
意外牙科治療
—
保障限額重置
—
住院陪床
Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses, for the consultations specified below (excluding chiropractic treatment, physiotherapy, occupational therapy or speech therapy):
• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure
• 1 outpatient visit(s) or Emergency consultation(s) more than 30 days before Confinement/Day Case Procedure
• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
• All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement/Day Case Procedure
• All follow-up outpatient visits per Confinement/Day Case Procedure as a direct result of Designated Critical Illnesses (within 365 days after discharge from Hospital or completion of Day Case Procedure)
Full cover for chiropractic treatment, physiotherapy, occupational therapy or speech therapy:
• Maximum 3 follow-up outpatient visits in total per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
Full reimbursement of Eligible Expenses, for the consultations specified below (excluding chiropractic treatment, physiotherapy, occupational therapy or speech therapy):
• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure
• 1 outpatient visit(s) or Emergency consultation(s) more than 30 days before Confinement/Day Case Procedure
• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
• All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement/Day Case Procedure
• All follow-up outpatient visits per Confinement/Day Case Procedure as a direct result of Designated Critical Illnesses (within 365 days after discharge from Hospital or completion of Day Case Procedure)
Full cover for chiropractic treatment, physiotherapy, occupational therapy or speech therapy:
• Maximum 3 follow-up outpatient visits in total per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
Full reimbursement of Eligible Expenses, for the consultations specified below (excluding chiropractic treatment, physiotherapy, occupational therapy or speech therapy):
• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure
• 1 outpatient visit(s) or Emergency consultation(s) more than 30 days before Confinement/Day Case Procedure
• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療
Full reimbursement
額外保障 Extra
隔離病房費
—
門診洗腎
Full reimbursement
家中看護
Full reimbursement
標準私家房
25%
半私家房
50%
普通房
50%
醫療植入裝置
$800,000
出院後 / 日間手術後的額外門 診輔助治療
$1,600
出院後 / 日間手術後的中醫門診治療
$800
指定重建手術保障
$280,000
復康保障
$88,000
器官移植的捐贈者保障
$880,000
善終服務
$132,000
懷孕併發症
Full reimbursement
意外急症門診治療費用賠償
Full reimbursement
意外牙科治療
Full reimbursement
保障限額重置
—
住院陪床
Full reimbursement
受保癌症非傳統治療
—
現金保障 Cash
特別獎賞
—
日間手術現金惠益
$1,600
次級病房級別現金惠益
$1,600
事件保障 Event
恩恤身故賠償
$80,000
意外身故賠償
$80,000
醫療意外事故保障
—
計劃 14 / 16
宏利晉逸自願醫保附加保障 - 智選HKD + USD
Manulife Supreme Lite VHIS Supplementary Benefit - Smart
Full reimbursement of Eligible Expenses, for the consultations specified below (excluding chiropractic treatment, physiotherapy, occupational therapy or speech therapy):
• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure
• 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure
• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
• All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement/Day Case Procedure
• All follow-up outpatient visits per Confinement/Day Case Procedure as a direct result of Designated Critical Illnesses (within 365 days after discharge from Hospital or completion of Day Case Procedure)
Full cover for chiropractic treatment, physiotherapy, occupational therapy or speech therapy:
• Maximum 3 follow-up outpatient visits in total per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
(l) 精神科治療
全數賠償
額外保障 Extra
隔離病房費
—
門診洗腎
全數賠償
家中看護
全數賠償
標準私家房
25%
半私家房
50%
普通房
50%
醫療植入裝置
$800,000(US$100,000)
出院後 / 日間手術後的額外門 診輔助治療
$1,000(US$125)
出院後 / 日間手術後的中醫門診治療
$600(US$75)
指定重建手術保障
$200,000(US$25,000)
復康保障
$50,000(US$6,250)
器官移植的捐贈者保障
$640,000(US$80,000)
善終服務
$80,000(US$10,000)
懷孕併發症
全數賠償
意外急症門診治療費用賠償
—
意外牙科治療
—
保障限額重置
—
住院陪床
全數賠償
受保癌症非傳統治療
—
現金保障 Cash
特別獎賞
—
日間手術現金惠益
$1,000(US$125)
次級病房級別現金惠益
—
事件保障 Event
恩恤身故賠償
$80,000(US$10,000)
意外身故賠償
$80,000(US$10,000)
醫療意外事故保障
—
計劃 15 / 16
宏利晉逸自願醫保附加保障 - 精選HKD + USD
Manulife Supreme Lite VHIS Supplementary Benefit - Advance
Full reimbursement of Eligible Expenses, for the consultations specified below (excluding chiropractic treatment, physiotherapy, occupational therapy or speech therapy):
• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure
• 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure
• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
• All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement/Day Case Procedure
• All follow-up outpatient visits per Confinement/Day Case Procedure as a direct result of Designated Critical Illnesses (within 365 days after discharge from Hospital or completion of Day Case Procedure)
Full cover for chiropractic treatment, physiotherapy, occupational therapy or speech therapy:
• Maximum 3 follow-up outpatient visits in total per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
(l) 精神科治療
全數賠償
額外保障 Extra
隔離病房費
—
門診洗腎
全數賠償
家中看護
全數賠償
標準私家房
25%
半私家房
50%
普通房
50%
醫療植入裝置
$800,000(US$100,000)
出院後 / 日間手術後的額外門 診輔助治療
$1,000(US$125)
出院後 / 日間手術後的中醫門診治療
$600(US$75)
指定重建手術保障
$200,000(US$25,000)
復康保障
$50,000(US$6,250)
器官移植的捐贈者保障
$640,000(US$80,000)
善終服務
—
懷孕併發症
—
意外急症門診治療費用賠償
—
意外牙科治療
—
保障限額重置
—
住院陪床
全數賠償
受保癌症非傳統治療
—
現金保障 Cash
特別獎賞
—
日間手術現金惠益
$1,000(US$125)
次級病房級別現金惠益
$1,000(US$125)
事件保障 Event
恩恤身故賠償
$80,000(US$10,000)
意外身故賠償
$80,000(US$10,000)
醫療意外事故保障
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計劃 16 / 16
宏利晉逸自願醫保附加保障 - 優選HKD + USD
Manulife Supreme Lite VHIS Supplementary Benefit - Deluxe
Full reimbursement of Eligible Expenses, for the consultations specified below (excluding chiropractic, physiotherapy, occupational therapy or speech therapy):
• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure
• 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure
• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
• All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Major or Complex performed during Confinement
