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VHIS Flexi · F00019-02-000-06

Manulife First VHIS Flexi Plan - Semi-private Room

宏利全護航自願醫保靈活計劃 - 半私家房

Manulife (International) Limited

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Your premium

HK$5,760 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

No cap

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

—

Benefits

Full benefit schedule · grouped by basic / extra / cash / event

Benefit Item	Limit
Basic Benefits
(a) Room and board (a) 病房及膳食	$2,500 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$21,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,900 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$6,000 per Policy Year
(e) Intensive care (e) 深切治療	$5,600 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$7,350
Surgeon's fee — Intermediate 外科醫生費 — 中型	$18,375
Surgeon's fee — Major 外科醫生費 — 大型	$36,750
Surgeon's fee — Complex 外科醫生費 — 複雜	$73,500
(g) Anaesthetist's fee (g) 麻醉科醫生費	35% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$150,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care (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) Psychiatric treatments (l) 精神科治療	$35,000 per Policy Year
Extra Benefits
Isolation ward charges benefit 隔離病房	$2,300 per day, maximum 180 days per Policy Year
Hospital companion bed fee reimbursement 住院陪床費	Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy YearR&C
Outpatient kidney dialysis 門診腎臟透析	$135,000 per Policy Year
Daily post-surgery home nursing benefit 出院後私家看護	$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)
Emergency outpatient treatment for Accident 急症門診護理	$11,000 per Policy Year, within 24 hours of the Accident
Cash Benefits
Second-claim cash allowanceAfter other pays 特別獎賞	$600 per day of Confinement, maximum 180 days per Policy Year
Event Benefits
Compassionate death benefit 恩恤身故賠償	$10,000
Accidental Death benefit 意外身故賠償	$10,000
Medical accident and incident extension benefit 醫療事故身故賠償	$100,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$2,500 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$21,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,900 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$6,000 per Policy Year
(e) Intensive care
(e) 深切治療
$5,600 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$7,350
Surgeon's fee — Intermediate
外科醫生費 — 中型
$18,375
Surgeon's fee — Major
外科醫生費 — 大型
$36,750
Surgeon's fee — Complex
外科醫生費 — 複雜
$73,500
(g) Anaesthetist's fee
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$150,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
(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) Psychiatric treatments
(l) 精神科治療
$35,000 per Policy Year

Extra Benefits

Isolation ward charges benefit
隔離病房
$2,300 per day, maximum 180 days per Policy Year
Hospital companion bed fee reimbursement
住院陪床費
Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy YearR&C
Outpatient kidney dialysis
門診腎臟透析
$135,000 per Policy Year
Daily post-surgery home nursing benefit
出院後私家看護
$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)
Emergency outpatient treatment for Accident
急症門診護理
$11,000 per Policy Year, within 24 hours of the Accident

Cash Benefits

Second-claim cash allowanceAfter other pays
特別獎賞
$600 per day of Confinement, maximum 180 days per Policy Year

Event Benefits

Compassionate death benefit
恩恤身故賠償
$10,000
Accidental Death benefit
意外身故賠償
$10,000
Medical accident and incident extension benefit
醫療事故身故賠償
$100,000

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$6,705	HK$6,145
1	HK$6,310	HK$5,809
2	HK$5,893	HK$5,448
3	HK$5,543	HK$5,152
4	HK$5,218	HK$4,874
5	HK$4,883	HK$4,593
6	HK$4,566	HK$4,326
7	HK$4,299	HK$4,062
8	HK$4,042	HK$3,799
9	HK$3,793	HK$3,527
10	HK$3,580	HK$3,335
11	HK$3,510	HK$3,268
12	HK$3,440	HK$3,201
13	HK$3,368	HK$3,143
14	HK$3,300	HK$3,424
15	HK$3,368	HK$3,498
16	HK$3,440	HK$3,566
17	HK$3,510	HK$3,637
18	HK$3,810	HK$3,883
19	HK$4,115	HK$4,130
20	HK$4,434	HK$4,387
21	HK$4,749	HK$4,646
22	HK$5,028	HK$4,910
23	HK$5,212	HK$5,099
24	HK$5,286	HK$5,288
25	HK$5,340	HK$5,479
26	HK$5,469	HK$5,616
27	HK$5,565	HK$5,714
28	HK$5,645	HK$5,877
29	HK$5,714	HK$6,089
30	HK$5,760	HK$6,366
31	HK$5,847	HK$6,702
32	HK$5,933	HK$6,999
33	HK$6,228	HK$7,284
34	HK$6,362	HK$7,615
35	HK$6,531	HK$7,886
36	HK$6,716	HK$8,189
37	HK$6,921	HK$8,476
38	HK$7,133	HK$8,779
39	HK$7,354	HK$9,091
40	HK$7,574	HK$9,447
41	HK$7,827	HK$9,747
42	HK$8,086	HK$10,077
43	HK$8,344	HK$10,447
44	HK$8,604	HK$10,847
45	HK$9,119	HK$11,317
46	HK$9,617	HK$11,708
47	HK$10,111	HK$12,067
48	HK$10,612	HK$12,362
49	HK$11,108	HK$12,610
50	HK$11,679	HK$12,868
51	HK$12,233	HK$13,082
52	HK$13,089	HK$13,253
53	HK$13,960	HK$13,449
54	HK$14,785	HK$13,673
55	HK$15,524	HK$14,076
56	HK$16,133	HK$14,385
57	HK$16,742	HK$14,807
58	HK$17,476	HK$15,316
59	HK$18,356	HK$15,917
60	HK$19,325	HK$16,627
61	HK$20,600	HK$17,423
62	HK$21,972	HK$18,691
63	HK$23,349	HK$19,927
64	HK$24,814	HK$21,177
65	HK$26,429	HK$22,383
66	HK$27,623	HK$23,059
67	HK$28,834	HK$23,969
68	HK$30,077	HK$24,983
69	HK$31,379	HK$26,098
70	HK$32,722	HK$27,313
71	HK$34,175	HK$28,590
72	HK$35,711	HK$29,909
73	HK$37,298	HK$31,402
74	HK$38,596	HK$32,606
75	HK$39,793	HK$33,819
76	HK$41,497	HK$35,476
77	HK$43,189	HK$37,117
78	HK$44,893	HK$38,770
79	HK$46,603	HK$40,437
80	HK$48,545	HK$42,309
81	HK$50,011	HK$43,755
82	HK$51,336	HK$45,077
83	HK$52,446	HK$46,202
84	HK$53,529	HK$47,315
85	HK$54,225	HK$47,933
86	HK$54,934	HK$48,556
87	HK$55,652	HK$49,192
88	HK$56,376	HK$49,829
89	HK$57,107	HK$50,480
90	HK$57,846	HK$51,131
91	HK$58,598	HK$51,796
92	HK$59,355	HK$52,463
93	HK$60,119	HK$53,138
94	HK$60,896	HK$53,820
95	HK$61,670	HK$54,510
96	HK$62,461	HK$55,211
97	HK$63,263	HK$55,914
98	HK$64,070	HK$56,628
99	HK$64,891	HK$57,353
100	HK$65,724	HK$58,086
101	HK$66,566	HK$58,831
102	HK$66,899	HK$59,124
103	HK$67,233	HK$59,421
104	HK$67,569	HK$59,718
105	HK$67,907	HK$60,016
106	HK$68,247	HK$60,316
107	HK$68,587	HK$60,618
108	HK$68,931	HK$60,921
109	HK$69,274	HK$61,224
110	HK$69,623	HK$61,532
111	HK$69,970	HK$61,839
112	HK$70,319	HK$62,149
113	HK$70,672	HK$62,460
114	HK$71,024	HK$62,771
115	HK$71,380	HK$63,085
116	HK$71,736	HK$63,401
117	HK$72,095	HK$63,718
118	HK$72,457	HK$64,038
119	HK$72,817	HK$64,356
120	HK$73,182	HK$64,678
121	HK$73,548	HK$65,002

Other deductible options in this series

9 deductibles — same benefit schedule, premium scales with deductible

Ward

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Ward with SMM

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Ward with SMM Plus

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Semi-private Room

Current page

Semi-private Room with SMM

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Semi-private Room with SMM Plus

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Private Room

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Private Room with SMM

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Private Room with SMM Plus

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Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Dec 5, 2025
Last verified: 2026-04-25

Terms and premiums on this page reflect the latest documents published by each insurer and the Insurance Authority's VHIS platform. In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.