← Back to insurer list
ByCompany
Manulife (International) Limited — same-insurer plan comparison
Manulife (International) Limited · 16 plan series (48 variants, deductibles merged, HKD/USD merged, sorted from basic to comprehensive)
Display options
項目
Highlights
VHIS cert no.
S00034-01-000-03Benefits PDFPremiums PDF
F00019-01-000-06Benefits PDFPremiums PDF
F00019-01-001-06Benefits PDFPremiums PDF
F00019-01-002-06Benefits PDFPremiums PDF
F00019-02-000-06Benefits PDFPremiums PDF
F00019-02-001-06Benefits PDFPremiums PDF
F00019-02-002-06Benefits PDFPremiums PDF
F00019-03-000-06Benefits PDFPremiums PDF
F00019-03-001-06Benefits PDFPremiums PDF
F00019-03-002-06Benefits PDFPremiums PDF
F00071-09-000-03Benefits PDFPremiums PDF
F00071-10-000-03Benefits PDFPremiums PDF
F00071-11-000-03Benefits PDFPremiums PDF
F00071-12-000-03Benefits PDFPremiums PDF
F00071-13-000-03Benefits PDFPremiums PDF
F00071-14-000-03Benefits PDFPremiums PDF
F00071-15-000-03Benefits PDFPremiums PDF
F00071-16-000-03Benefits PDFPremiums PDF
F00071-01-000-03Benefits PDFPremiums PDF
F00071-02-000-03Benefits PDFPremiums PDF
F00071-03-000-03Benefits PDFPremiums PDF
F00071-04-000-03Benefits PDFPremiums PDF
F00071-05-000-03Benefits PDFPremiums PDF
F00071-06-000-03Benefits PDFPremiums PDF
F00071-07-000-03Benefits PDFPremiums PDF
F00071-08-000-03Benefits PDFPremiums PDF
F00071-17-000-01Benefits PDFPremiums PDF
F00071-18-000-01Benefits PDFPremiums PDF
F00071-19-000-01Benefits PDFPremiums PDF
F00071-20-000-01Benefits PDFPremiums PDF
F00071-21-000-01Benefits PDFPremiums PDF
F00071-22-000-01Benefits PDFPremiums PDF
F00071-23-000-01Benefits PDFPremiums PDF
F00071-24-000-01Benefits PDFPremiums PDF
F00041-06-000-03Benefits PDFPremiums PDF
F00041-07-000-03Benefits PDFPremiums PDF
F00041-08-000-03Benefits PDFPremiums PDF
F00041-09-000-03Benefits PDFPremiums PDF
F00041-01-000-06Benefits PDFPremiums PDF
F00041-02-000-06Benefits PDFPremiums PDF
F00041-03-000-06Benefits PDFPremiums PDF
F00041-04-000-04Benefits PDFPremiums PDF
F00041-05-000-03Benefits PDFPremiums PDF
F00041-10-000-01Benefits PDFPremiums PDF
F00041-11-000-01Benefits PDFPremiums PDF
F00041-12-000-01Benefits PDFPremiums PDF
F00041-13-000-01Benefits PDFPremiums PDF
F00041-14-000-01Benefits PDFPremiums PDF
Plan type
Standard
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Coverage region
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Asia incl. AU/NZ
Asia incl. AU/NZ
Worldwide (excluding United States)
Asia incl. AU/NZ
Asia incl. AU/NZ
Worldwide (excluding United States)
Ward
N/A (capped)
Ward
Ward
Ward
Semi-Private Room
Semi-Private Room
Semi-Private Room
Standard Private Room
Standard Private Room
Standard Private Room
Ward
Semi-Private Room
Standard Private Room
Ward
Semi-Private Room
Standard Private Room
Lifetime limit
—
—
—
—
—
—
—
—
—
—
Annual limit
HK$420,000
—
—
—
—
—
—
—
—
—
Per illness
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
SMM top-up
—
—
—
—
—
—
—
—
—
—
No-Claim Bonus
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
Deductible
—
—
—
—
—
—
—
—
—
—
Version
Dec 5, 2025
Dec 5, 2025
Dec 5, 2025
Dec 5, 2025
Dec 5, 2025
Dec 5, 2025
Dec 5, 2025
Dec 5, 2025
Dec 5, 2025
Dec 5, 2025
Dec 29, 2025
Dec 29, 2025
Dec 29, 2025
Dec 29, 2025
Dec 29, 2025
Dec 29, 2025
Basic Benefits Basic
(a) Room and board
$750 per day, maximum 180 days per Policy Year
$1,200 per day, maximum 180 days per Policy Year
$1,200 per day, maximum 180 days per Policy Year
$1,200 per day, maximum 180 days per Policy Year
$2,500 per day, maximum 180 days per Policy Year
$2,500 per day, maximum 180 days per Policy Year
$2,500 per day, maximum 180 days per Policy Year
$4,500 per day, maximum 180 days per Policy Year
$4,500 per day, maximum 180 days per Policy Year
$4,500 per day, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(b) Miscellaneous charges
$14,000 per Policy Year
$15,000 per Policy Year
$15,000 per Policy Year
$15,000 per Policy Year
$21,000 per Policy Year
$21,000 per Policy Year
$21,000 per Policy Year
$35,000 per Policy Year
$35,000 per Policy Year
$35,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(c) Attending doctor's visit fee
$750 per day, maximum 180 days per Policy Year
$900 per day, maximum 180 days per Policy Year
$900 per day, maximum 180 days per Policy Year
$900 per day, maximum 180 days per Policy Year
$1,900 per day, maximum 180 days per Policy Year
$1,900 per day, maximum 180 days per Policy Year
$1,900 per day, maximum 180 days per Policy Year
$3,900 per day, maximum 180 days per Policy Year
$3,900 per day, maximum 180 days per Policy Year
$3,900 per day, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(d) Specialist's fee
$4,300 per Policy Year
$4,300 per Policy Year
$4,300 per Policy Year
$4,300 per Policy Year
$6,000 per Policy Year
$6,000 per Policy Year
$6,000 per Policy Year
$12,000 per Policy Year
$12,000 per Policy Year
$12,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(e) Intensive care
$3,500 per day, maximum 25 days per Policy Year
$4,200 per day, maximum 25 days per Policy Year
$4,200 per day, maximum 25 days per Policy Year
$4,200 per day, maximum 25 days per Policy Year
$5,600 per day, maximum 25 days per Policy Year
$5,600 per day, maximum 25 days per Policy Year
$5,600 per day, maximum 25 days per Policy Year
$10,000 per day, maximum 25 days per Policy Year
$10,000 per day, maximum 25 days per Policy Year
$10,000 per day, maximum 25 days per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(f) Surgeon's fee
—
—
—
—
—
—
—
—
—
—
Full reimbursement of Eligible Expenses regardless of surgical category
Full reimbursement of Eligible Expenses regardless of surgical category
Full reimbursement of Eligible Expenses regardless of surgical category
Full reimbursement of Eligible Expenses regardless of surgical category
Full reimbursement of Eligible Expenses regardless of surgical category
Full reimbursement of Eligible Expenses regardless of surgical category
Surgeon's fee — Minor
$5,000
$5,250
$5,250
$5,250
$7,350
$7,350
$7,350
$10,500
$10,500
$10,500
—
—
—
—
—
—
Surgeon's fee — Intermediate
$12,500
$13,125
$13,125
$13,125
$18,375
$18,375
$18,375
$26,250
$26,250
$26,250
—
—
—
—
—
—
Surgeon's fee — Major
$25,000
$26,250
$26,250
$26,250
$36,750
$36,750
$36,750
$52,500
$52,500
$52,500
—
—
—
—
—
—
Surgeon's fee — Complex
$50,000
$52,500
$52,500
$52,500
$73,500
$73,500
$73,500
$105,000
$105,000
$105,000
—
—
—
—
—
—
(g) Anaesthetist's fee
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(h) Operating theatre charges
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(i) Prescribed Diagnostic Imaging Tests
$20,000 per Policy Year. Subject to 30% Coinsurance.
$25,000 per Policy Year. Subject to 30% Coinsurance.
$25,000 per Policy Year. Subject to 30% Coinsurance.
$25,000 per Policy Year. Subject to 30% Coinsurance.
$30,000 per Policy Year. Subject to 30% Coinsurance.
$30,000 per Policy Year. Subject to 30% Coinsurance.
$30,000 per Policy Year. Subject to 30% Coinsurance.
$35,000 per Policy Year. Subject to 30% Coinsurance.
$35,000 per Policy Year. Subject to 30% Coinsurance.
$35,000 per Policy Year. Subject to 30% Coinsurance.
Full reimbursement of Eligible Expenses; Coinsurance: 0%
Full reimbursement of Eligible Expenses; Coinsurance: 0%
Full reimbursement of Eligible Expenses; Coinsurance: 0%
Full reimbursement of Eligible Expenses; Coinsurance: 0%
Full reimbursement of Eligible Expenses; Coinsurance: 0%
Full reimbursement of Eligible Expenses; Coinsurance: 0%
(j) Prescribed Non-surgical Cancer Treatments
$80,000 per Policy Year
$100,000 per Policy Year
$100,000 per Policy Year
$100,000 per Policy Year
$150,000 per Policy Year
$150,000 per Policy Year
$150,000 per Policy Year
$225,000 per Policy Year
$225,000 per Policy Year
$225,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(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
$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
$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
$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
$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
$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
$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
$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
$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
$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
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)
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)
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
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) Psychiatric treatments
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$35,000 per Policy Year
$35,000 per Policy Year
$35,000 per Policy Year
$40,000 per Policy Year
$40,000 per Policy Year
$40,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Extra Benefits Extra
Accident-related
Emergency dental benefit (Accident only)
—
—
—
—
—
—
—
—
—
—
Full reimbursement of Eligible Expenses within 14 days of the Accident
Full reimbursement of Eligible Expenses within 14 days of the Accident
Full reimbursement of Eligible Expenses within 14 days of the Accident
Full reimbursement of Eligible Expenses within 14 days of the Accident
Full reimbursement of Eligible Expenses within 14 days of the Accident
Full reimbursement of Eligible Expenses within 14 days of the Accident
Emergency outpatient treatment for Accident
—
$6,600 per Policy Year, within 24 hours of the Accident
$6,600 per Policy Year, within 24 hours of the Accident
$6,600 per Policy Year, within 24 hours of the Accident
$11,000 per Policy Year, within 24 hours of the Accident
$11,000 per Policy Year, within 24 hours of the Accident
$11,000 per Policy Year, within 24 hours of the Accident
$15,000 per Policy Year, within 24 hours of the Accident
$15,000 per Policy Year, within 24 hours of the Accident
$15,000 per Policy Year, within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Inpatient-related
Medical implants / prosthetic devices
—
—
—
—
—
—
—
—
—
—
Specified items: $800,000 per Policy Year; other items: $200,000 per Policy Year(Specified items: US$100,000 per Policy Year; other items: US$25,000 per Policy Year)
Specified items: $800,000 per Policy Year; other items: $200,000 per Policy Year(Specified items: US$100,000 per Policy Year; other items: US$25,000 per Policy Year)
Specified items: $800,000 per Policy Year; other items: $200,000 per Policy Year(Specified items: US$100,000 per Policy Year; other items: US$25,000 per Policy Year)
Specified items: $800,000 per Policy Year; other items: $200,000 per Policy Year
Specified items: $800,000 per Policy Year; other items: $200,000 per Policy Year
Specified items: $800,000 per Policy Year; other items: $200,000 per Policy Year
Organ transplant donor benefit
—
—
—
—
—
—
—
—
—
—
$640,000 per living organ donor surgery(US$80,000 per living organ donor surgery)
$640,000 per living organ donor surgery(US$80,000 per living organ donor surgery)
$880,000 per living organ donor surgery(US$110,000 per living organ donor surgery)
$640,000 per living organ donor surgery
$640,000 per living organ donor surgery
$880,000 per living organ donor surgery
Complications of pregnancy
—
—
—
—
—
—
—
—
—
—
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Annual benefit limit reset
—
—
—
—
—
—
—
—
—
—
Once per policy maximum
Once per policy maximum
Once per policy maximum
Once per policy maximum
Once per policy maximum
Once per policy maximum
Hospital companion bed fee reimbursement
—
Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Private nursing fee (during Confinement)
—
—
—
—
—
—
—
—
—
—
Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year, up to 2 visits per day
Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year, up to 2 visits per day
Full reimbursement of Eligible Expenses, maximum 90 days per Policy Year, up to 2 visits per day
Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year, up to 2 visits per day
Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year, up to 2 visits per day
Full reimbursement of Eligible Expenses, maximum 90 days per Policy Year, up to 2 visits per day
Isolation ward charges benefit
—
$1,100 per day, maximum 180 days per Policy Year
$1,100 per day, maximum 180 days per Policy Year
$1,100 per day, maximum 180 days per Policy Year
$2,300 per day, maximum 180 days per Policy Year
$2,300 per day, maximum 180 days per Policy Year
$2,300 per day, maximum 180 days per Policy Year
$4,000 per day, maximum 180 days per Policy Year
$4,000 per day, maximum 180 days per Policy Year
$4,000 per day, maximum 180 days per Policy Year
—
—
—
—
—
—
Outpatient-related
Cancer / cardiac / stroke rehabilitation benefit
—
—
—
—
—
—
—
—
—
—
$50,000 per Policy Year(US$6,250 per Policy Year)
$50,000 per Policy Year(US$6,250 per Policy Year)
$88,000 per Policy Year(US$11,000 per Policy Year)
$50,000 per Policy Year
$50,000 per Policy Year
$88,000 per Policy Year
Outpatient kidney dialysis
—
$90,000 per Policy Year
$90,000 per Policy Year
$90,000 per Policy Year
$135,000 per Policy Year
$135,000 per Policy Year
$135,000 per Policy Year
$200,000 per Policy Year
$200,000 per Policy Year
$200,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Hospice and palliative care benefit
—
—
—
—
—
—
—
—
—
—
$80,000 per Policy Year(US$10,000 per Policy Year)
$80,000 per Policy Year(US$10,000 per Policy Year)
$132,000 per Policy Year(US$16,500 per Policy Year)
$80,000 per Policy Year
$80,000 per Policy Year
$132,000 per Policy Year
Daily post-surgery home nursing benefit
—
$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)
$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)
$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)
$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)
$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)
$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)
$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)
$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)
$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)
Full reimbursement of Eligible Expenses• Up to 2 visits per day, maximum 30 days per Policy Year, nurse visits within 120 days after discharge from Hospital following surgery or Intensive Care Unit stay
Full reimbursement of Eligible Expenses• Up to 2 visits per day, maximum 30 days per Policy Year, nurse visits within 120 days after discharge from Hospital following surgery or Intensive Care Unit stay
Full reimbursement of Eligible Expenses• Up to 2 visits per day, maximum 90 days per Policy Year, nurse visits within the post-discharge window after surgery or Intensive Care Unit stay
Full reimbursement of Eligible Expenses• Up to 2 visits per day, maximum 30 days per Policy Year, nurse visits within the post-discharge window after surgery or Intensive Care Unit stay
Full reimbursement of Eligible Expenses• Up to 2 visits per day, maximum 30 days per Policy Year, nurse visits within the post-discharge window after surgery or Intensive Care Unit stay
Full reimbursement of Eligible Expenses• Up to 2 visits per day, maximum 90 days per Policy Year, nurse visits within the post-discharge window after surgery or Intensive Care Unit stay
Chinese Medicine Practitioner outpatient care
—
—
—
—
—
—
—
—
—
—
$600 per visit• Up to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure(US$75 per visit• Up to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure)
$600 per visit• Up to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure(US$75 per visit• Up to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure)
$800 per visit• Up to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure(US$100 per visit• Up to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure)
$600 per visit• Up to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
$600 per visit• Up to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
$800 per visit• Up to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
Post-Confinement / Day Case Procedure auxiliary therapy
—
—
—
—
—
—
—
—
—
—
$1,000 per visit, up to 1 per day, maximum 30 visits per Policy Year• Follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• Follow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during Confinement• Follow-up outpatient visits after Confinement/Day Case Procedure directly resulting from specified critical illnesses• Applicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only• as recommended in writing by the attending Registered Medical Practitioner• Payable only after the visit-count limit for these therapies under basic benefit (k) is exhausted(US$125 per visit, up to 1 per day, maximum 30 visits per Policy Year• Follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• Follow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during Confinement• Follow-up outpatient visits after Confinement/Day Case Procedure directly resulting from specified critical illnesses• Applicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only• as recommended in writing by the attending Registered Medical Practitioner• Payable only after the visit-count limit for these therapies under basic benefit (k) is exhausted)
$1,000 per visit, up to 1 per day, maximum 30 visits per Policy Year• Follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• Follow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during Confinement• Follow-up outpatient visits after Confinement/Day Case Procedure directly resulting from specified critical illnesses• Applicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only• as recommended in writing by the attending Registered Medical Practitioner• Payable only after the visit-count limit for these therapies under basic benefit (k) is exhausted(US$125 per visit, up to 1 per day, maximum 30 visits per Policy Year• Follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• Follow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during Confinement• Follow-up outpatient visits after Confinement/Day Case Procedure directly resulting from specified critical illnesses• Applicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only• as recommended in writing by the attending Registered Medical Practitioner• Payable only after the visit-count limit for these therapies under basic benefit (k) is exhausted)
$1,600 per visit, up to 1 per day, maximum 30 visits per Policy Year• Follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• Follow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during Confinement• Follow-up outpatient visits after Confinement/Day Case Procedure directly resulting from specified critical illnesses• Applicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only• as recommended in writing by the attending Registered Medical Practitioner• Payable only after the visit-count limit for these therapies under basic benefit (k) is exhausted(US$200 per visit, up to 1 per day, maximum 30 visits per Policy Year• Follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• Follow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during Confinement• Follow-up outpatient visits after Confinement/Day Case Procedure directly resulting from specified critical illnesses• Applicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only• as recommended in writing by the attending Registered Medical Practitioner• Payable only after the visit-count limit for these therapies under basic benefit (k) is exhausted)
$1,000 per visit, up to 1 per day, maximum 30 visits per Policy Year• Follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• Follow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during Confinement• Follow-up outpatient visits after Confinement/Day Case Procedure directly resulting from specified critical illnesses• Applicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only• as recommended in writing by the attending Registered Medical Practitioner• Payable only after the visit-count limit for these therapies under basic benefit (k) is exhausted
$1,000 per visit, up to 1 per day, maximum 30 visits per Policy Year• Follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• Follow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during Confinement• Follow-up outpatient visits after Confinement/Day Case Procedure directly resulting from specified critical illnesses• Applicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only• as recommended in writing by the attending Registered Medical Practitioner• Payable only after the visit-count limit for these therapies under basic benefit (k) is exhausted
$1,600 per visit, up to 1 per day, maximum 30 visits per Policy Year• Follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• Follow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during Confinement• Follow-up outpatient visits after Confinement/Day Case Procedure directly resulting from specified critical illnesses• Applicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only• as recommended in writing by the attending Registered Medical Practitioner• Payable only after the visit-count limit for these therapies under basic benefit (k) is exhausted
Cancer-related
Reconstructive surgery for specified conditions
—
—
—
—
—
—
—
—
—
—
$200,000 per specified cancer surgery(US$25,000 per specified cancer surgery)
$200,000 per specified cancer surgery(US$25,000 per specified cancer surgery)
$280,000 per specified cancer surgery(US$35,000 per specified cancer surgery)
$200,000 per specified cancer surgery
$200,000 per specified cancer surgery
$280,000 per specified cancer surgery
Covered cancer non-traditional treatment benefit
—
—
—
—
—
—
—
—
—
—
$800,000 per Policy Year(US$100,000 per Policy Year)
$800,000 per Policy Year(US$100,000 per Policy Year)
$1,200,000 per Policy Year(US$150,000 per Policy Year)
$800,000 per Policy Year
$800,000 per Policy Year
$1,200,000 per Policy Year
Cash Benefits Cash
Second-claim cash allowance
$150 per day of Confinement, maximum 180 days per Policy Year
$300 per day of Confinement, maximum 180 days per Policy Year
$300 per day of Confinement, maximum 180 days per Policy Year
$300 per day of Confinement, maximum 180 days per Policy Year
$600 per day of Confinement, maximum 180 days per Policy Year
$600 per day of Confinement, maximum 180 days per Policy Year
$600 per day of Confinement, maximum 180 days per Policy Year
$1,200 per day of Confinement, maximum 180 days per Policy Year
$1,200 per day of Confinement, maximum 180 days per Policy Year
$1,200 per day of Confinement, maximum 180 days per Policy Year
—
—
—
—
—
—
Day surgery cash benefit
—
—
—
—
—
—
—
—
—
—
$1,000 per day(US$125 per day)
$1,000 per day(US$125 per day)
$1,600 per day(US$200 per day)
$1,000 per day
$1,000 per day
$1,600 per day
Lower ward class cash benefit
—
—
—
—
—
—
—
—
—
—
—
$1,000 per continuous 24 hours(US$125 per continuous 24 hours)
$1,600 per continuous 24 hours(US$200 per continuous 24 hours)
—
$1,000 per continuous 24 hours
$1,600 per continuous 24 hours
Event Benefits Event
Compassionate death benefit
$10,000 per policy
$10,000
$10,000
$10,000
$10,000
$10,000
$10,000
$10,000
$10,000
$10,000
$80,000(US$10,000)
$80,000(US$10,000)
$80,000(US$10,000)
$80,000
$80,000
$80,000
Accidental Death benefit
$10,000 per policy
$10,000
$10,000
$10,000
$10,000
$10,000
$10,000
$10,000
$10,000
$10,000
$80,000(US$10,000)
$80,000(US$10,000)
$80,000(US$10,000)
$80,000
$80,000
$80,000
Medical accident and incident extension benefit
$100,000 per policy
$100,000
$100,000
$100,000
$100,000
$100,000
$100,000
$100,000
$100,000
$100,000
—
—
—
—
—
—
VHIS cert no.
S00034-01-000-03Benefits PDFPremiums PDF
Coverage region
Worldwide
Ward class
N/A (capped)
Lifetime benefit limit
—
Annual benefit limit
HK$420,000
Per-illness benefit limit
—
SMM Supplemental Major Medical
—
No-Claim Bonus
—
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
—
Surgeon's fee — Minor
$5,000
Surgeon's fee — Intermediate
$12,500
Surgeon's fee — Major
$25,000
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
Accident-related
Emergency dental benefit (Accident only)
—
Emergency outpatient treatment for Accident
—
Inpatient-related
Medical implants / prosthetic devices
—
Organ transplant donor benefit
—
Complications of pregnancy
—
Annual benefit limit reset
—
Hospital companion bed fee reimbursement
—
Private nursing fee (during Confinement)
—
Isolation ward charges benefit
—
Outpatient-related
Cancer / cardiac / stroke rehabilitation benefit
—
Outpatient kidney dialysis
—
Hospice and palliative care benefit
—
Daily post-surgery home nursing benefit
—
Chinese Medicine Practitioner outpatient care
—
Post-Confinement / Day Case Procedure auxiliary therapy
—
Cancer-related
Reconstructive surgery for specified conditions
—
Covered cancer non-traditional treatment benefit
—
Cash Benefits Cash
Second-claim cash allowanceAfter other pays
$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
Plan 1 / 16
宏利愛守護自願醫保標準計劃
Manulife Shelter VHIS Standard Plan
Entry-level PickVer. Dec 5, 2025
- VHIS cert no.
- S00034-01-000-03
- Plan Type
- Standard
- Coverage region
- Worldwide
- Ward class
- N/A (capped)
- Annual benefit limit
- HK$420,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits 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
- —
- 外科醫生費 — 小型
- $5,000
- 外科醫生費 — 中型
- $12,500
- 外科醫生費 — 大型
- $25,000
- 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- —
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 保障限額重置
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- —
- 出院後 / 日間手術後的中醫門診治療
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 受保癌症非傳統治療
- —
- 隔離病房費
- —
Cash Benefits Cash
- 第二索償現金津貼
- $150
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits 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
Plan 2 / 16
宏利全護航自願醫保靈活計劃 - 普通房
Manulife First VHIS Flexi Plan - Ward
Step UpVer. Dec 5, 2025
- VHIS cert no.
- F00019-01-000-06
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits 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
- —
- 外科醫生費 — 小型
- $5,250
- 外科醫生費 — 中型
- $13,125
- 外科醫生費 — 大型
- $26,250
- 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $90,000 per Policy Year
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 保障限額重置
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $6,600 per Policy Year, within 24 hours of the Accident
- 住院陪床
- Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 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)
- 出院後 / 日間手術後的中醫門診治療
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 受保癌症非傳統治療
- —
- 隔離病房費
- $1,100 per day, maximum 180 days per Policy Year
Cash Benefits Cash
- 第二索償現金津貼
- $300
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits 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
Plan 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
Step UpVer. Dec 5, 2025
- VHIS cert no.
- F00019-01-001-06
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$100,000／per policy year / per disability, 20% coinsurance
- Deductible Options
- —
Basic Benefits 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
- —
- 外科醫生費 — 小型
- $5,250
- 外科醫生費 — 中型
- $13,125
- 外科醫生費 — 大型
- $26,250
- 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $90,000 per Policy Year
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 保障限額重置
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $6,600 per Policy Year, within 24 hours of the Accident
- 住院陪床
- Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 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)
- 出院後 / 日間手術後的中醫門診治療
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 受保癌症非傳統治療
- —
- 隔離病房費
- $1,100 per day, maximum 180 days per Policy Year
Cash Benefits Cash
- 第二索償現金津貼
- $300
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits 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
Plan 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
Step UpVer. Dec 5, 2025
- VHIS cert no.
- F00019-01-002-06
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$175,000／per policy year / per disability, 20% coinsurance
- Deductible Options
- —
Basic Benefits 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
- —
- 外科醫生費 — 小型
- $5,250
- 外科醫生費 — 中型
- $13,125
- 外科醫生費 — 大型
- $26,250
- 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $90,000 per Policy Year
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 保障限額重置
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $6,600 per Policy Year, within 24 hours of the Accident
- 住院陪床
- Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 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)
- 出院後 / 日間手術後的中醫門診治療
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 受保癌症非傳統治療
- —
- 隔離病房費
- $1,100 per day, maximum 180 days per Policy Year
Cash Benefits Cash
- 第二索償現金津貼
- $300
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits 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
Plan 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
Step UpVer. Dec 5, 2025
- VHIS cert no.
- F00019-02-000-06
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits 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
- —
- 外科醫生費 — 小型
- $7,350
- 外科醫生費 — 中型
- $18,375
- 外科醫生費 — 大型
- $36,750
- 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $135,000 per Policy Year
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 保障限額重置
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $11,000 per Policy Year, within 24 hours of the Accident
- 住院陪床
- Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 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)
- 出院後 / 日間手術後的中醫門診治療
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 受保癌症非傳統治療
- —
- 隔離病房費
- $2,300 per day, maximum 180 days per Policy Year
Cash Benefits Cash
- 第二索償現金津貼
- $600
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits 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
Plan 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
Step UpVer. Dec 5, 2025
- VHIS cert no.
- F00019-02-001-06
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$160,000／per policy year / per disability, 20% coinsurance
- Deductible Options
- —
Basic Benefits 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
- —
- 外科醫生費 — 小型
- $7,350
- 外科醫生費 — 中型
- $18,375
- 外科醫生費 — 大型
- $36,750
- 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $135,000 per Policy Year
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 保障限額重置
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $11,000 per Policy Year, within 24 hours of the Accident
- 住院陪床
- Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 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)
- 出院後 / 日間手術後的中醫門診治療
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 受保癌症非傳統治療
- —
- 隔離病房費
- $2,300 per day, maximum 180 days per Policy Year
Cash Benefits Cash
- 第二索償現金津貼
- $600
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits 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
Plan 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
Step UpVer. Dec 5, 2025
- VHIS cert no.
- F00019-02-002-06
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$305,000／per policy year / per disability, 20% coinsurance
- Deductible Options
- —
Basic Benefits 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
- —
- 外科醫生費 — 小型
- $7,350
- 外科醫生費 — 中型
- $18,375
- 外科醫生費 — 大型
- $36,750
- 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $135,000 per Policy Year
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 保障限額重置
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $11,000 per Policy Year, within 24 hours of the Accident
- 住院陪床
- Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 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)
- 出院後 / 日間手術後的中醫門診治療
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 受保癌症非傳統治療
- —
- 隔離病房費
- $2,300 per day, maximum 180 days per Policy Year
Cash Benefits Cash
- 第二索償現金津貼
- $600
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits 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
Plan 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
Step UpVer. Dec 5, 2025
- VHIS cert no.
- F00019-03-000-06
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits 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
- —
- 外科醫生費 — 小型
- $10,500
- 外科醫生費 — 中型
- $26,250
- 外科醫生費 — 大型
- $52,500
- 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $200,000 per Policy Year
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 保障限額重置
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $15,000 per Policy Year, within 24 hours of the Accident
- 住院陪床
- Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 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)
- 出院後 / 日間手術後的中醫門診治療
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 受保癌症非傳統治療
- —
- 隔離病房費
- $4,000 per day, maximum 180 days per Policy Year
Cash Benefits Cash
- 第二索償現金津貼
- $1,200
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits 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
Plan 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
Step UpVer. Dec 5, 2025
- VHIS cert no.
- F00019-03-001-06
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$250,000／per policy year / per disability, 20% coinsurance
- Deductible Options
- —
Basic Benefits 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
- —
- 外科醫生費 — 小型
- $10,500
- 外科醫生費 — 中型
- $26,250
- 外科醫生費 — 大型
- $52,500
- 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $200,000 per Policy Year
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 保障限額重置
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $15,000 per Policy Year, within 24 hours of the Accident
- 住院陪床
- Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 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)
- 出院後 / 日間手術後的中醫門診治療
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 受保癌症非傳統治療
- —
- 隔離病房費
- $4,000 per day, maximum 180 days per Policy Year
Cash Benefits Cash
- 第二索償現金津貼
- $1,200
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits 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
Plan 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
Step UpVer. Dec 5, 2025
- VHIS cert no.
- F00019-03-002-06
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$525,000／per policy year / per disability, 20% coinsurance
- Deductible Options
- —
Basic Benefits 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
- —
- 外科醫生費 — 小型
- $10,500
- 外科醫生費 — 中型
- $26,250
- 外科醫生費 — 大型
- $52,500
- 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $200,000 per Policy Year
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 保障限額重置
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $15,000 per Policy Year, within 24 hours of the Accident
- 住院陪床
- Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy Year
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 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)
- 出院後 / 日間手術後的中醫門診治療
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 受保癌症非傳統治療
- —
- 隔離病房費
- $4,000 per day, maximum 180 days per Policy Year
Cash Benefits Cash
- 第二索償現金津貼
- $1,200
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits 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
Plan 11 / 16
宏利晉逸自願醫保附加保障 - 智選HKD + USD
Manulife Supreme Lite VHIS Supplementary Benefit - Smart
High-endVer. Dec 29, 2025
- VHIS cert no.
- F00071-09-000-03F00071-10-000-03F00071-11-000-03F00071-12-000-03F00071-13-000-03F00071-14-000-03F00071-15-000-03F00071-16-000-03
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Ward
- Annual benefit limit
- HK$5,000,000(US$625,000)
- Lifetime benefit limit
- HK$20,000,000(US$2,500,000)
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- HKD$0 / $25K / $50K / $100KUSDUS$0 / US$3,125 / US$6,250 / US$13K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 外科醫生費 — 複雜
- —
- (g) 麻醉科醫生費
- Full reimbursement
- (h) 手術室費
- Full reimbursement
- (i) 訂明診斷成像檢測
- Full reimbursement
- (j) 訂明非手術癌症治療
- Full reimbursement
- (k) 入院前或出院後／日間手術前後的門診護理
- 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
- Full reimbursement
Extra Benefits Extra
- 指定重建手術保障
- $200,000(US$25,000)
- 復康保障
- $50,000(US$6,250)
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Specified items: $800,000 (US$100,000) per Policy Year; other items: $200,000 (US$25,000) per Policy Year
- 器官移植的捐贈者保障
- $640,000 per living organ donor surgery(US$80,000)
- 懷孕併發症
- Full reimbursement
- 保障限額重置
- Once per policy maximum
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 14 days of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year, up to 2 visits per day
- 善終服務
- $80,000(US$10,000)
- 家中看護
- Full reimbursement of Eligible Expenses• Up to 2 visits per day, maximum 30 days per Policy Year, nurse visits within 120 days after discharge from Hospital following surgery or Intensive Care Unit stay
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit• Up to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure(US$75)
- 出院後 / 日間手術後的額外門診輔助治療
- $1,000 per visit, up to 1 per day, maximum 30 visits per Policy Year• Follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• Follow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during Confinement• Follow-up outpatient visits after Confinement/Day Case Procedure directly resulting from specified critical illnesses• Applicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only• as recommended in writing by the attending Registered Medical Practitioner• Payable only after the visit-count limit for these therapies under basic benefit (k) is exhausted(US$125)
- 受保癌症非傳統治療
- $800,000(US$100,000)
- 隔離病房費
- —
Cash Benefits Cash
- 第二索償現金津貼
- —
- 日間手術現金惠益
- $1,000(US$125)
- 次級病房級別現金惠益
- —
Event Benefits 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
- —
Plan 12 / 16
宏利晉逸自願醫保附加保障 - 精選HKD + USD
Manulife Supreme Lite VHIS Supplementary Benefit - Advance
High-endVer. Dec 29, 2025
- VHIS cert no.
- F00071-01-000-03F00071-02-000-03F00071-03-000-03F00071-04-000-03F00071-05-000-03F00071-06-000-03F00071-07-000-03F00071-08-000-03
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$12,000,000(US$1,500,000)
- Lifetime benefit limit
- HK$60,000,000(US$7,500,000)
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- HKD$0 / $25K / $50K / $100KUSDUS$0 / US$3,125 / US$6,250 / US$13K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 外科醫生費 — 複雜
- —
- (g) 麻醉科醫生費
- Full reimbursement
- (h) 手術室費
- Full reimbursement
- (i) 訂明診斷成像檢測
- Full reimbursement
- (j) 訂明非手術癌症治療
- Full reimbursement
- (k) 入院前或出院後／日間手術前後的門診護理
- 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
- Full reimbursement
Extra Benefits Extra
- 指定重建手術保障
- $200,000(US$25,000)
- 復康保障
- $50,000(US$6,250)
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Specified items: $800,000 (US$100,000) per Policy Year; other items: $200,000 (US$25,000) per Policy Year
- 器官移植的捐贈者保障
- $640,000 per living organ donor surgery(US$80,000)
- 懷孕併發症
- Full reimbursement
- 保障限額重置
- Once per policy maximum
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 14 days of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year, up to 2 visits per day
- 善終服務
- $80,000(US$10,000)
- 家中看護
- Full reimbursement of Eligible Expenses• Up to 2 visits per day, maximum 30 days per Policy Year, nurse visits within 120 days after discharge from Hospital following surgery or Intensive Care Unit stay
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit• Up to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure(US$75)
- 出院後 / 日間手術後的額外門診輔助治療
- $1,000 per visit, up to 1 per day, maximum 30 visits per Policy Year• Follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• Follow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during Confinement• Follow-up outpatient visits after Confinement/Day Case Procedure directly resulting from specified critical illnesses• Applicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only• as recommended in writing by the attending Registered Medical Practitioner• Payable only after the visit-count limit for these therapies under basic benefit (k) is exhausted(US$125)
- 受保癌症非傳統治療
- $800,000(US$100,000)
- 隔離病房費
- —
Cash Benefits Cash
- 第二索償現金津貼
- —
- 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)
Event Benefits 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
- —
Plan 13 / 16
宏利晉逸自願醫保附加保障 - 優選HKD + USD
Manulife Supreme Lite VHIS Supplementary Benefit - Deluxe
High-endVer. Dec 29, 2025
- VHIS cert no.
- F00071-17-000-01F00071-18-000-01F00071-19-000-01F00071-20-000-01F00071-21-000-01F00071-22-000-01F00071-23-000-01F00071-24-000-01
- Plan Type
- Flexi
- Coverage region
- Worldwide (excluding United States)
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$30,000,000(US$3,750,000)
- Lifetime benefit limit
- HK$120,000,000(US$15,000,000)
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- HKD$0 / $25K / $50K / $100KUSDUS$0 / US$3,125 / US$6,250 / US$13K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 外科醫生費 — 複雜
- —
- (g) 麻醉科醫生費
- Full reimbursement
- (h) 手術室費
- Full reimbursement
- (i) 訂明診斷成像檢測
- Full reimbursement
- (j) 訂明非手術癌症治療
- Full reimbursement
- (k) 入院前或出院後／日間手術前後的門診護理
- 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
- (l) 精神科治療
- Full reimbursement
Extra Benefits Extra
- 指定重建手術保障
- $280,000(US$35,000)
- 復康保障
- $88,000(US$11,000)
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Specified items: $800,000 (US$100,000) per Policy Year; other items: $200,000 (US$25,000) per Policy Year
- 器官移植的捐贈者保障
- $880,000 per living organ donor surgery(US$110,000)
- 懷孕併發症
- Full reimbursement
- 保障限額重置
- Once per policy maximum
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 14 days of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 90 days per Policy Year, up to 2 visits per day
- 善終服務
- $132,000(US$16,500)
- 家中看護
- Full reimbursement of Eligible Expenses• Up to 2 visits per day, maximum 90 days per Policy Year, nurse visits within the post-discharge window after surgery or Intensive Care Unit stay
- 出院後 / 日間手術後的中醫門診治療
- $800 per visit• Up to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure(US$100)
- 出院後 / 日間手術後的額外門診輔助治療
- $1,600 per visit, up to 1 per day, maximum 30 visits per Policy Year• Follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• Follow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during Confinement• Follow-up outpatient visits after Confinement/Day Case Procedure directly resulting from specified critical illnesses• Applicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only• as recommended in writing by the attending Registered Medical Practitioner• Payable only after the visit-count limit for these therapies under basic benefit (k) is exhausted(US$200)
- 受保癌症非傳統治療
- $1,200,000(US$150,000)
- 隔離病房費
- —
Cash Benefits Cash
- 第二索償現金津貼
- —
- 日間手術現金惠益
- $1,600(US$200)
- 次級病房級別現金惠益
- $1,600(US$200)
Event Benefits 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
- —
Plan 14 / 16
宏利晉悅自願醫保靈活計劃 - 智選
Manulife Supreme VHIS Flexi Plan - Smart
High-endVer. Dec 29, 2025
- VHIS cert no.
- F00041-06-000-03F00041-07-000-03F00041-08-000-03F00041-09-000-03
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Ward
- Annual benefit limit
- HK$5,000,000
- Lifetime benefit limit
- HK$20,000,000
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $23K / $45K / $100K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 外科醫生費 — 複雜
- —
- (g) 麻醉科醫生費
- Full reimbursement
- (h) 手術室費
- Full reimbursement
- (i) 訂明診斷成像檢測
- Full reimbursement
- (j) 訂明非手術癌症治療
- Full reimbursement
- (k) 入院前或出院後／日間手術前後的門診護理
- 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)
- (l) 精神科治療
- Full reimbursement
Extra Benefits Extra
- 指定重建手術保障
- $200,000
- 復康保障
- $50,000
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- $800,000
- 器官移植的捐贈者保障
- $640,000
- 懷孕併發症
- Full reimbursement
- 保障限額重置
- Once per policy maximum
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 14 days of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year, up to 2 visits per day
- 善終服務
- $80,000
- 家中看護
- Full reimbursement of Eligible Expenses• Up to 2 visits per day, maximum 30 days per Policy Year, nurse visits within the post-discharge window after surgery or Intensive Care Unit stay
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit• Up to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
- 出院後 / 日間手術後的額外門診輔助治療
- $1,000 per visit, up to 1 per day, maximum 30 visits per Policy Year• Follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• Follow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during Confinement• Follow-up outpatient visits after Confinement/Day Case Procedure directly resulting from specified critical illnesses• Applicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only• as recommended in writing by the attending Registered Medical Practitioner• Payable only after the visit-count limit for these therapies under basic benefit (k) is exhausted
- 受保癌症非傳統治療
- $800,000
- 隔離病房費
- —
Cash Benefits Cash
- 第二索償現金津貼
- —
- 日間手術現金惠益
- $1,000
- 次級病房級別現金惠益
- —
Event Benefits 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
- —
Plan 15 / 16
宏利晉悅自願醫保靈活計劃 - 精選
Manulife Supreme VHIS Flexi Plan - Advance
High-endVer. Dec 29, 2025
- VHIS cert no.
- F00041-01-000-06F00041-02-000-06F00041-03-000-06F00041-04-000-04F00041-05-000-03
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$12,000,000
- Lifetime benefit limit
- HK$60,000,000
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $8,000 / $23K / $45K / $100K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 外科醫生費 — 複雜
- —
- (g) 麻醉科醫生費
- Full reimbursement
- (h) 手術室費
- Full reimbursement
- (i) 訂明診斷成像檢測
- Full reimbursement
- (j) 訂明非手術癌症治療
- Full reimbursement
- (k) 入院前或出院後／日間手術前後的門診護理
- 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)
- (l) 精神科治療
- Full reimbursement
Extra Benefits Extra
- 指定重建手術保障
- $200,000
- 復康保障
- $50,000
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- $800,000
- 器官移植的捐贈者保障
- $640,000
- 懷孕併發症
- Full reimbursement
- 保障限額重置
- Once per policy maximum
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 14 days of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year, up to 2 visits per day
- 善終服務
- $80,000
- 家中看護
- Full reimbursement of Eligible Expenses• Up to 2 visits per day, maximum 30 days per Policy Year, nurse visits within the post-discharge window after surgery or Intensive Care Unit stay
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit• Up to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
- 出院後 / 日間手術後的額外門診輔助治療
- $1,000 per visit, up to 1 per day, maximum 30 visits per Policy Year• Follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• Follow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during Confinement• Follow-up outpatient visits after Confinement/Day Case Procedure directly resulting from specified critical illnesses• Applicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only• as recommended in writing by the attending Registered Medical Practitioner• Payable only after the visit-count limit for these therapies under basic benefit (k) is exhausted
- 受保癌症非傳統治療
- $800,000
- 隔離病房費
- —
Cash Benefits Cash
- 第二索償現金津貼
- —
- 日間手術現金惠益
- $1,000
- 次級病房級別現金惠益
- $1,000
Event Benefits 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
- —
Plan 16 / 16
宏利晉悅自願醫保靈活計劃 - 優選
Manulife Supreme VHIS Flexi Plan - Deluxe
High-endVer. Dec 29, 2025
- VHIS cert no.
- F00041-10-000-01F00041-11-000-01F00041-12-000-01F00041-13-000-01F00041-14-000-01
- Plan Type
- Flexi
- Coverage region
- Worldwide (excluding United States)
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$30,000,000
- Lifetime benefit limit
- HK$120,000,000
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $8,000 / $23K / $45K / $100K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 外科醫生費 — 複雜
- —
- (g) 麻醉科醫生費
- Full reimbursement
- (h) 手術室費
- Full reimbursement
- (i) 訂明診斷成像檢測
- Full reimbursement
- (j) 訂明非手術癌症治療
- Full reimbursement
- (k) 入院前或出院後／日間手術前後的門診護理
- 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
Extra Benefits Extra
- 指定重建手術保障
- $280,000
- 復康保障
- $88,000
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- $800,000
- 器官移植的捐贈者保障
- $880,000
- 懷孕併發症
- Full reimbursement
- 保障限額重置
- Once per policy maximum
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 14 days of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 90 days per Policy Year, up to 2 visits per day
- 善終服務
- $132,000
- 家中看護
- Full reimbursement of Eligible Expenses• Up to 2 visits per day, maximum 90 days per Policy Year, nurse visits within the post-discharge window after surgery or Intensive Care Unit stay
- 出院後 / 日間手術後的中醫門診治療
- $800 per visit• Up to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
- 出院後 / 日間手術後的額外門診輔助治療
- $1,600 per visit, up to 1 per day, maximum 30 visits per Policy Year• Follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• Follow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during Confinement• Follow-up outpatient visits after Confinement/Day Case Procedure directly resulting from specified critical illnesses• Applicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only• as recommended in writing by the attending Registered Medical Practitioner• Payable only after the visit-count limit for these therapies under basic benefit (k) is exhausted
- 受保癌症非傳統治療
- $1,200,000
- 隔離病房費
- —
Cash Benefits Cash
- 第二索償現金津貼
- —
- 日間手術現金惠益
- $1,600
- 次級病房級別現金惠益
- $1,600
Event Benefits 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
- —