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VHIS Flexi · F00019-02-000-07

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 First VHIS Flexi Plan - Semi-private Room is a VHIS Flexi plan offered by Manulife (International) Limited, with ward class Semi-Private Room, Worldwide coverage and full coverage (no annual benefit limit). Latest plan-document version: Jun 29, 2026.

Your premium

HK$6,163 /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$7,174	HK$6,575
1	HK$6,752	HK$6,216
2	HK$6,306	HK$5,829
3	HK$5,931	HK$5,513
4	HK$5,583	HK$5,215
5	HK$5,225	HK$4,915
6	HK$4,886	HK$4,629
7	HK$4,600	HK$4,346
8	HK$4,325	HK$4,065
9	HK$4,059	HK$3,774
10	HK$3,831	HK$3,568
11	HK$3,756	HK$3,497
12	HK$3,681	HK$3,425
13	HK$3,604	HK$3,363
14	HK$3,531	HK$3,664
15	HK$3,604	HK$3,743
16	HK$3,681	HK$3,816
17	HK$3,756	HK$3,892
18	HK$4,077	HK$4,155
19	HK$4,403	HK$4,419
20	HK$4,744	HK$4,694
21	HK$5,081	HK$4,971
22	HK$5,380	HK$5,254
23	HK$5,577	HK$5,456
24	HK$5,656	HK$5,658
25	HK$5,714	HK$5,863
26	HK$5,852	HK$6,009
27	HK$5,955	HK$6,114
28	HK$6,040	HK$6,288
29	HK$6,114	HK$6,515
30	HK$6,163	HK$6,812
31	HK$6,256	HK$7,171
32	HK$6,348	HK$7,489
33	HK$6,664	HK$7,794
34	HK$6,807	HK$8,148
35	HK$6,988	HK$8,438
36	HK$7,186	HK$8,762
37	HK$7,405	HK$9,069
38	HK$7,632	HK$9,394
39	HK$7,869	HK$9,727
40	HK$8,104	HK$10,108
41	HK$8,375	HK$10,429
42	HK$8,652	HK$10,782
43	HK$8,928	HK$11,178
44	HK$9,206	HK$11,606
45	HK$9,757	HK$12,109
46	HK$10,290	HK$12,528
47	HK$10,819	HK$12,912
48	HK$11,355	HK$13,227
49	HK$11,886	HK$13,493
50	HK$12,497	HK$13,769
51	HK$13,089	HK$13,998
52	HK$14,005	HK$14,181
53	HK$14,937	HK$14,390
54	HK$15,820	HK$14,630
55	HK$16,611	HK$15,061
56	HK$17,262	HK$15,392
57	HK$17,914	HK$15,843
58	HK$18,699	HK$16,388
59	HK$19,641	HK$17,031
60	HK$20,678	HK$17,791
61	HK$22,042	HK$18,643
62	HK$23,510	HK$19,999
63	HK$24,983	HK$21,322
64	HK$26,551	HK$22,659
65	HK$28,279	HK$23,950
66	HK$29,557	HK$24,673
67	HK$30,852	HK$25,647
68	HK$32,182	HK$26,732
69	HK$33,576	HK$27,925
70	HK$35,013	HK$29,225
71	HK$36,567	HK$30,591
72	HK$38,211	HK$32,003
73	HK$39,909	HK$33,600
74	HK$41,298	HK$34,888
75	HK$42,579	HK$36,186
76	HK$44,402	HK$37,959
77	HK$46,212	HK$39,715
78	HK$48,036	HK$41,484
79	HK$49,865	HK$43,268
80	HK$51,943	HK$45,271
81	HK$53,512	HK$46,818
82	HK$54,930	HK$48,232
83	HK$56,117	HK$49,436
84	HK$57,276	HK$50,627
85	HK$58,021	HK$51,288
86	HK$58,779	HK$51,955
87	HK$59,548	HK$52,635
88	HK$60,322	HK$53,317
89	HK$61,104	HK$54,014
90	HK$61,895	HK$54,710
91	HK$62,700	HK$55,422
92	HK$63,510	HK$56,135
93	HK$64,327	HK$56,858
94	HK$65,159	HK$57,587
95	HK$65,987	HK$58,326
96	HK$66,833	HK$59,076
97	HK$67,691	HK$59,828
98	HK$68,555	HK$60,592
99	HK$69,433	HK$61,368
100	HK$70,325	HK$62,152
101	HK$71,226	HK$62,949
102	HK$71,582	HK$63,263
103	HK$71,939	HK$63,580
104	HK$72,299	HK$63,898
105	HK$72,660	HK$64,217
106	HK$73,024	HK$64,538
107	HK$73,388	HK$64,861
108	HK$73,756	HK$65,185
109	HK$74,123	HK$65,510
110	HK$74,497	HK$65,839
111	HK$74,868	HK$66,168
112	HK$75,241	HK$66,499
113	HK$75,619	HK$66,832
114	HK$75,996	HK$67,165
115	HK$76,377	HK$67,501
116	HK$76,758	HK$67,839
117	HK$77,142	HK$68,178
118	HK$77,529	HK$68,521
119	HK$77,914	HK$68,861
120	HK$78,305	HK$69,205
121	HK$78,696	HK$69,552

Other deductible options in this series

9 deductibles — same benefit schedule, premium scales with deductible

Ward

View details →

Ward with SMM

View details →

Ward with SMM Plus

View details →

Semi-private Room

Current page

Semi-private Room with SMM

View details →

Semi-private Room with SMM Plus

View details →

Private Room

View details →

Private Room with SMM

View details →

Private Room with SMM Plus

View details →

Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Jun 29, 2026
Last verified: 2026-06-30