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VHIS Flexi · F00019-02-002-07

Manulife First VHIS Flexi Plan - Semi-private Room with SMM Plus

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 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$10,734 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

No cap

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

HK$305,000／per policy year / per disability, 20% coinsurance

Coverage Tiers & Conditions

This plan applies tiered caps or conditional rules on selected benefits

Age-tiered cap

SMM per-disability cap
- Age 76 or above: HK$320,250

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$12,492	HK$11,453
1	HK$11,758	HK$10,824
2	HK$10,979	HK$10,152
3	HK$10,329	HK$9,602
4	HK$9,724	HK$9,084
5	HK$9,100	HK$8,560
6	HK$8,510	HK$8,061
7	HK$8,010	HK$7,570
8	HK$7,530	HK$7,078
9	HK$7,068	HK$6,575
10	HK$6,669	HK$6,216
11	HK$6,541	HK$6,088
12	HK$6,409	HK$5,966
13	HK$6,276	HK$5,859
14	HK$6,150	HK$6,380
15	HK$6,276	HK$6,517
16	HK$6,409	HK$6,646
17	HK$6,541	HK$6,777
18	HK$7,101	HK$7,235
19	HK$7,670	HK$7,694
20	HK$8,261	HK$8,178
21	HK$8,850	HK$8,654
22	HK$9,370	HK$9,151
23	HK$9,712	HK$9,501
24	HK$9,851	HK$9,854
25	HK$9,951	HK$10,211
26	HK$10,191	HK$10,466
27	HK$10,370	HK$10,651
28	HK$10,518	HK$10,951
29	HK$10,649	HK$11,344
30	HK$10,734	HK$11,864
31	HK$10,897	HK$12,491
32	HK$11,057	HK$13,044
33	HK$11,605	HK$13,574
34	HK$11,855	HK$14,191
35	HK$12,171	HK$14,696
36	HK$12,515	HK$15,261
37	HK$12,898	HK$15,795
38	HK$13,292	HK$16,358
39	HK$13,705	HK$16,940
40	HK$14,113	HK$17,605
41	HK$14,586	HK$18,164
42	HK$15,068	HK$18,780
43	HK$15,550	HK$19,470
44	HK$16,033	HK$20,212
45	HK$16,993	HK$21,090
46	HK$17,923	HK$21,818
47	HK$18,844	HK$22,488
48	HK$19,776	HK$23,036
49	HK$20,700	HK$23,500
50	HK$21,763	HK$23,980
51	HK$22,798	HK$24,382
52	HK$24,392	HK$24,698
53	HK$26,014	HK$25,063
54	HK$27,551	HK$25,481
55	HK$28,927	HK$26,231
56	HK$30,063	HK$26,807
57	HK$31,200	HK$27,594
58	HK$32,565	HK$28,541
59	HK$34,206	HK$29,660
60	HK$36,013	HK$30,986
61	HK$38,386	HK$32,467
62	HK$40,947	HK$34,834
63	HK$43,510	HK$37,138
64	HK$46,240	HK$39,465
65	HK$49,248	HK$41,714
66	HK$51,473	HK$42,972
67	HK$53,733	HK$44,666
68	HK$56,050	HK$46,558
69	HK$58,476	HK$48,636
70	HK$60,977	HK$50,900
71	HK$63,685	HK$53,277
72	HK$66,549	HK$55,738
73	HK$69,506	HK$58,522
74	HK$71,924	HK$60,763
75	HK$74,154	HK$63,026
76	HK$77,331	HK$66,112
77	HK$80,483	HK$69,170
78	HK$83,659	HK$72,251
79	HK$86,848	HK$75,358
80	HK$90,465	HK$78,847
81	HK$93,196	HK$81,539
82	HK$95,667	HK$84,002
83	HK$97,735	HK$86,101
84	HK$99,753	HK$88,174
85	HK$101,050	HK$89,329
86	HK$102,372	HK$90,489
87	HK$103,708	HK$91,672
88	HK$105,060	HK$92,863
89	HK$106,418	HK$94,073
90	HK$107,801	HK$95,288
91	HK$109,199	HK$96,527
92	HK$110,609	HK$97,766
93	HK$112,033	HK$99,027
94	HK$113,480	HK$100,300
95	HK$114,927	HK$101,586
96	HK$116,399	HK$102,891
97	HK$117,892	HK$104,200
98	HK$119,396	HK$105,529
99	HK$120,925	HK$106,882
100	HK$122,478	HK$108,250
101	HK$124,047	HK$109,634
102	HK$124,668	HK$110,184
103	HK$125,292	HK$110,736
104	HK$125,917	HK$111,289
105	HK$126,545	HK$111,845
106	HK$127,179	HK$112,404
107	HK$127,815	HK$112,967
108	HK$128,452	HK$113,531
109	HK$129,094	HK$114,099
110	HK$129,744	HK$114,671
111	HK$130,391	HK$115,241
112	HK$131,042	HK$115,819
113	HK$131,699	HK$116,400
114	HK$132,358	HK$116,980
115	HK$133,018	HK$117,564
116	HK$133,682	HK$118,154
117	HK$134,352	HK$118,743
118	HK$135,023	HK$119,337
119	HK$135,696	HK$119,934
120	HK$136,377	HK$120,532
121	HK$137,058	HK$121,136

Other deductible options in this series

9 deductibles — same benefit schedule, premium scales with deductible

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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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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