← Back to Manulife (International) Limited plans

VHIS Plan

Manulife First VHIS Flexi Plan

宏利全護航自願醫保靈活計劃

Manulife (International) Limited·9 plan options

VHIS Flexi

Manulife First VHIS Flexi Plan is a VHIS Flexi plan offered by Manulife (International) Limited, with ward class Ward, Worldwide (including United States) coverage and no overall annual benefit limit. Latest plan-document version: Jun 29, 2026.

01 · Plan options

9 options — premiums differ; deductible, ward class or cover may also differ

Plan option

Ward

Entry premium (Age 30 male non-smoker)

HK$3,005 /yr

View details →

Plan option

Ward with SMM

Entry premium (Age 30 male non-smoker)

HK$5,115 /yr

View details →

Plan option

Ward with SMM Plus

Entry premium (Age 30 male non-smoker)

HK$6,044 /yr

View details →

Plan option

Semi-private Room

Entry premium (Age 30 male non-smoker)

HK$6,163 /yr

View details →

Plan option

Semi-private Room with SMM

Entry premium (Age 30 male non-smoker)

HK$8,586 /yr

View details →

Plan option

Semi-private Room with SMM Plus

Entry premium (Age 30 male non-smoker)

HK$10,734 /yr

View details →

Plan option

Private Room

Entry premium (Age 30 male non-smoker)

HK$11,950 /yr

View details →

Plan option

Private Room with SMM

Entry premium (Age 30 male non-smoker)

HK$16,100 /yr

View details →

Plan option

Private Room with SMM Plus

Entry premium (Age 30 male non-smoker)

HK$19,326 /yr

View details →

02 · Premiums by age

Yearly premium of every option by age and sex

Standard yearly premium for non-smokers, before the premium levy (Male)
Plan option	Age 0	Age 10	Age 20	Age 30	Age 40	Age 50	Age 60	Age 70	Age 80
Ward	HK$3,497	HK$1,867	HK$2,312	HK$3,005	HK$3,952	HK$6,094	HK$10,084	HK$17,072	HK$25,329
Ward with SMM	HK$5,952	HK$3,179	HK$3,938	HK$5,115	HK$6,726	HK$10,372	HK$17,162	HK$29,058	HK$43,112
Ward with SMM Plus	HK$7,034	HK$3,756	HK$4,652	HK$6,044	HK$7,946	HK$12,255	HK$20,278	HK$34,333	HK$50,939
Semi-private Room	HK$7,174	HK$3,831	HK$4,744	HK$6,163	HK$8,104	HK$12,497	HK$20,678	HK$35,013	HK$51,943
Semi-private Room with SMM	HK$9,991	HK$5,335	HK$6,609	HK$8,586	HK$11,290	HK$17,408	HK$28,805	HK$48,774	HK$72,362
Semi-private Room with SMM Plus	HK$12,492	HK$6,669	HK$8,261	HK$10,734	HK$14,113	HK$21,763	HK$36,013	HK$60,977	HK$90,465
Private Room	HK$13,908	HK$7,426	HK$9,199	HK$11,950	HK$15,713	HK$24,231	HK$40,096	HK$67,892	HK$100,726
Private Room with SMM	HK$18,737	HK$10,003	HK$12,393	HK$16,100	HK$21,169	HK$32,645	HK$54,017	HK$91,463	HK$135,694
Private Room with SMM Plus	HK$22,494	HK$12,009	HK$14,876	HK$19,326	HK$25,414	HK$39,189	HK$64,845	HK$109,799	HK$162,898

Standard yearly premium for non-smokers, before the premium levy (Female)
Plan option	Age 0	Age 10	Age 20	Age 30	Age 40	Age 50	Age 60	Age 70	Age 80
Ward	HK$3,631	HK$1,971	HK$2,592	HK$3,761	HK$5,580	HK$7,602	HK$9,822	HK$16,135	HK$24,993
Ward with SMM	HK$5,458	HK$2,962	HK$3,897	HK$5,654	HK$8,391	HK$11,429	HK$14,766	HK$24,257	HK$37,576
Ward with SMM Plus	HK$6,450	HK$3,500	HK$4,605	HK$6,681	HK$9,912	HK$13,503	HK$17,446	HK$28,660	HK$44,398
Semi-private Room	HK$6,575	HK$3,568	HK$4,694	HK$6,812	HK$10,108	HK$13,769	HK$17,791	HK$29,225	HK$45,271
Semi-private Room with SMM	HK$9,161	HK$4,972	HK$6,541	HK$9,489	HK$14,082	HK$19,180	HK$24,784	HK$40,712	HK$63,066
Semi-private Room with SMM Plus	HK$11,453	HK$6,216	HK$8,178	HK$11,864	HK$17,605	HK$23,980	HK$30,986	HK$50,900	HK$78,847
Private Room	HK$12,752	HK$6,921	HK$9,106	HK$13,210	HK$19,602	HK$26,700	HK$34,500	HK$56,673	HK$87,789
Private Room with SMM	HK$17,180	HK$9,322	HK$12,268	HK$17,795	HK$26,407	HK$35,970	HK$46,479	HK$76,349	HK$118,268
Private Room with SMM Plus	HK$20,622	HK$11,192	HK$14,726	HK$21,363	HK$31,701	HK$43,180	HK$55,796	HK$91,653	HK$141,979

Compare all plans by age →

How to apply for this plan

This plan is offered by Manulife (International) Limited. To apply, contact Manulife (International) Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
Benefit schedule PDF

This site's licensed insurance agent can only arrange FWD plans.

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Schedule effective date: Jun 29, 2026
Plan data updated: 2026-06-30