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VHIS Flexi · F00019-02-002-06

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 (International) Limited

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Your premium

HK$10,032 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

—

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$11,675	HK$10,704
1	HK$10,989	HK$10,116
2	HK$10,261	HK$9,488
3	HK$9,653	HK$8,974
4	HK$9,088	HK$8,490
5	HK$8,505	HK$8,000
6	HK$7,953	HK$7,534
7	HK$7,486	HK$7,075
8	HK$7,037	HK$6,615
9	HK$6,606	HK$6,145
10	HK$6,233	HK$5,809
11	HK$6,113	HK$5,690
12	HK$5,990	HK$5,576
13	HK$5,865	HK$5,476
14	HK$5,748	HK$5,963
15	HK$5,865	HK$6,091
16	HK$5,990	HK$6,211
17	HK$6,113	HK$6,334
18	HK$6,636	HK$6,762
19	HK$7,168	HK$7,191
20	HK$7,721	HK$7,643
21	HK$8,271	HK$8,088
22	HK$8,757	HK$8,552
23	HK$9,077	HK$8,879
24	HK$9,207	HK$9,209
25	HK$9,300	HK$9,543
26	HK$9,524	HK$9,781
27	HK$9,692	HK$9,954
28	HK$9,830	HK$10,235
29	HK$9,952	HK$10,602
30	HK$10,032	HK$11,088
31	HK$10,184	HK$11,674
32	HK$10,334	HK$12,191
33	HK$10,846	HK$12,686
34	HK$11,079	HK$13,263
35	HK$11,375	HK$13,735
36	HK$11,696	HK$14,263
37	HK$12,054	HK$14,762
38	HK$12,422	HK$15,288
39	HK$12,808	HK$15,832
40	HK$13,190	HK$16,453
41	HK$13,632	HK$16,976
42	HK$14,082	HK$17,551
43	HK$14,533	HK$18,196
44	HK$14,984	HK$18,890
45	HK$15,881	HK$19,710
46	HK$16,750	HK$20,391
47	HK$17,611	HK$21,017
48	HK$18,482	HK$21,529
49	HK$19,346	HK$21,963
50	HK$20,339	HK$22,411
51	HK$21,307	HK$22,787
52	HK$22,796	HK$23,082
53	HK$24,312	HK$23,423
54	HK$25,749	HK$23,814
55	HK$27,035	HK$24,515
56	HK$28,096	HK$25,053
57	HK$29,159	HK$25,789
58	HK$30,435	HK$26,674
59	HK$31,968	HK$27,720
60	HK$33,657	HK$28,959
61	HK$35,875	HK$30,343
62	HK$38,268	HK$32,555
63	HK$40,664	HK$34,708
64	HK$43,215	HK$36,883
65	HK$46,026	HK$38,985
66	HK$48,106	HK$40,161
67	HK$50,218	HK$41,744
68	HK$52,383	HK$43,512
69	HK$54,650	HK$45,454
70	HK$56,988	HK$47,570
71	HK$59,519	HK$49,792
72	HK$62,195	HK$52,092
73	HK$64,959	HK$54,693
74	HK$67,219	HK$56,788
75	HK$69,303	HK$58,903
76	HK$72,272	HK$61,787
77	HK$75,218	HK$64,645
78	HK$78,186	HK$67,524
79	HK$81,166	HK$70,428
80	HK$84,547	HK$73,689
81	HK$87,099	HK$76,205
82	HK$89,408	HK$78,507
83	HK$91,341	HK$80,468
84	HK$93,227	HK$82,406
85	HK$94,439	HK$83,485
86	HK$95,675	HK$84,569
87	HK$96,923	HK$85,675
88	HK$98,187	HK$86,788
89	HK$99,456	HK$87,919
90	HK$100,749	HK$89,054
91	HK$102,055	HK$90,212
92	HK$103,373	HK$91,370
93	HK$104,704	HK$92,549
94	HK$106,056	HK$93,738
95	HK$107,408	HK$94,940
96	HK$108,784	HK$96,160
97	HK$110,179	HK$97,383
98	HK$111,585	HK$98,625
99	HK$113,014	HK$99,890
100	HK$114,465	HK$101,168
101	HK$115,932	HK$102,462
102	HK$116,512	HK$102,976
103	HK$117,095	HK$103,492
104	HK$117,679	HK$104,008
105	HK$118,266	HK$104,528
106	HK$118,859	HK$105,050
107	HK$119,453	HK$105,577
108	HK$120,049	HK$106,104
109	HK$120,649	HK$106,635
110	HK$121,256	HK$107,169
111	HK$121,861	HK$107,702
112	HK$122,469	HK$108,242
113	HK$123,083	HK$108,785
114	HK$123,699	HK$109,327
115	HK$124,316	HK$109,873
116	HK$124,936	HK$110,424
117	HK$125,563	HK$110,975
118	HK$126,190	HK$111,530
119	HK$126,819	HK$112,088
120	HK$127,455	HK$112,647
121	HK$128,092	HK$113,211

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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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.