VHIS · Entry-level Pick
vCore Medical Plan and Manulife Shelter VHIS Standard Plan are both Entry-level Pick VHIS plans; they differ in ward class, benefit limits, geographical coverage and premium.
Manulife Shelter VHIS Standard Plan suits you better if you value a lower entry premium (about HK$2,481/yr at age 40, non-smoker).
Neither plan is categorically better — your choice should rest on your own budget, where you expect to seek treatment and your family needs, ideally after a financial needs analysis.
| Item | vCore Medical PlanFWD Life Insurance Company (Bermuda) Limited | Manulife Shelter VHIS Standard PlanManulife (International) Limited |
|---|---|---|
| Plan type | Standard | Standard |
| Insurer | FWD Life Insurance Company (Bermuda) Limited | Manulife (International) Limited |
| Ward class | N/A (capped) | N/A (capped) |
| Annual benefit limit | HK$420,000 | HK$420,000 |
| Lifetime benefit limit | Full cover / not stated | Full cover / not stated |
| Per-illness annual limit | Full cover / not stated | Full cover / not stated |
| DeductibleCompared at the lowest-deductible variant | $0 | $0 |
| Geographical coverage | Worldwide | Worldwide |
| Supplementary Major Medical (SMM) | No supplementary cover / not stated | No supplementary cover / not stated |
| Full-cover basic ward | Not stated | Not stated |
| Reference premium (age 40, non-smoker)Annual premium (HKD) | HK$3,265▲ | HK$2,481 |
| Data version | Feb 2, 2026 | Dec 5, 2025 |
▲ marks the larger figure on that row — an objective numeric comparison, not a verdict. “Full cover / not stated” means the policy sets no explicit cap or the document does not list one.
FWD Life Insurance Company (Bermuda) Limited · Cert. no. S00036-01-000-03
vCore Medical Plan is a Standard VHIS plan with a N/A (capped) ward class, an annual benefit limit of HK$420,000 and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide.
Manulife (International) Limited · Cert. no. S00034-01-000-03
Manulife Shelter VHIS Standard Plan is a Standard VHIS plan with a N/A (capped) ward class, an annual benefit limit of HK$420,000 and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide.
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